If you’ve noticed your car insurance bill going up lately, you’re not alone. A lot of people here in Buckeye—and all across Arizona—are seeing higher prices when it comes to insuring their cars. In fact, by the end of this year, rates are expected to go up by around 22%. That means if you were paying about $2,000 a year before, you might be paying over $2,440 soon—and that’s for the average driver.

So what’s causing this jump in prices?

One big reason is that fixing cars is more expensive than it used to be. Parts are harder to get, and there aren’t enough mechanics to keep up with all the work. When something breaks on your car, the cost to repair it has gone up—and that means insurance companies have to pay more when there’s an accident. To cover those costs, they raise the prices for everyone.

Another reason is that there are more accidents happening. Buckeye and the surrounding areas have grown a lot in the past few years, which means there are more cars on the road. With more traffic, crashes happen more often, and that means more claims are being filed with insurance companies. The more claims there are, the higher the risk, and the higher the rates go. Weather is also a problem. Arizona has been seeing more extreme weather, like flooding from monsoons or damage from high heat. Cars can get damaged in storms or by driving through flooded roads. That damage adds up, and insurance companies are starting to factor in climate risks when setting prices.

Some areas are also seeing more car thefts. If a neighborhood has a lot of stolen vehicles, it can cause insurance rates to go up for everyone nearby. Even if your car hasn’t been stolen, you might still see a higher rate just because of what’s happening around you.

Now, this might all sound like bad news—but there are still ways to save.

Some drivers choose higher deductibles to lower their monthly payments. Others bundle their home and auto insurance together to get discounts. Having a clean driving record helps too. And in Arizona, having a good credit score can actually make a difference in how much you pay for insurance. At Stoller Insurance Agency, we know how frustrating it is to see your bill go up when you haven’t done anything wrong. That’s why we shop with over 75 carriers to help you find the best deal. If you’re in Buckeye or the surrounding area and worried your rate is too high, let’s talk. We might be able to find you a better option. Got questions or want a quick review of your policy? Reach out anytime—we’re right here in your neighborhood and always happy to help.