Hi, this happened to me. I live in the PA suburbs 5 minutes outside of Philly city limits. Never have had a ticket or auto claim in my life at 34 y/o. I’m insured with Geico. My six month policy renewed 20% higher this month. I’ve never had an auto policy renew at a higher rate before unless I moved. I called Geico to get an explanation, and they said that they are adjusting the whole state higher to account for increased parts and labor costs.

This isn’t too surprising given that car values are still elevated, inflation is driving up parts and labor, and there’s a shortage of new cars and sub $20k used cars. Also consider that many people have transitioned back to office work and commuting, so insurers probably want to claw back some of the discounts that were given during the Covid WFH era. All of this is driving insurers to repair cars more often after accidents rather than calling it a total loss.