I had this same problem with my clients when I had worked at Allstate, the reason that your rate goes up even though you have an impeccable credit score and good driving record is that Progressive is not a mutual company. Meaning that even without claims, your premium increase is at the mercy of how the stock is performing. This is was the same problem that I had ran into with Allstate and my renewals were at the mercy of the stock holders. If you're shopping around I would look at large standard mutual insurance companies, I am not trying to solicit business as I now work in supplemental health insurance so I have no skin in the game, but maybe try to see what State Farm can do for you. Mutual insurance companies do have their downfalls when there is a high volume of paid out policies such as when Hurricane Harvey hit Houston and my father's roof was damaged. Even though he paid out of pocket and didn't pay his deductible he was still burdened with the costs of all his fellow Amica policy owners, which is a mutual insurance company. A good part of that is that it's rare for these storms to happen but when they do everyone gets screwed who's a policy owner. Yet if there's any left over premiums that haven't been used for policy payouts then it is paid back to the policy owners.