These are my most recent monthly State Farm vehicle insurance payments, from most recent ($114.35) to sometime back in 2021 ($69.32). I have no control over how much or little they decide to take out of my bank account every month. I noticed it steadily going up over the months until suddenly my December payment DECREASED by $16.75. I really don’t feel like contacting my insurance company with this trifling question but I am curious what affects their fluctuating prices.
$114.35 (December 2025) $131.10 (November 2025) $131.10 $131.10 $131.10 $131.10 $131.10 $122.45 $122.45 $122.45 $122.45 $122.45 $122.45 $121.87 $121.87 $121.87 $121.87 $121.87 $121.87 $100.89 $100.89 $100.89 $100.89 $100.89 $100.89 $95.40 $84.24 $83.56 $83.56 $69.32 (January 2021)
You can also just change insurance companies when 2 happens. My rates doubled two years ago, so I switched providers and went back down to the rate I was at previously. Very common.
I did this two years when state farm raised my rates and gave me some bullshit reason that simple math proved false. My new agency has actually decreased my rates every year since.