Progressive prices that way. Not all insurers do. Some will just drop you with an accident others have grace periods. With car insurance, it’s all about price

Progressive prices that way. Not all insurers do. Some will just drop you with an accident others have grace periods. With car insurance, it’s all about price in most states. You should be shopping annually if you want to optimize for price. That may vary in a place like New Hampshire or Florida that is more lax from a regulatory perspective - cheap insurance there may be too cheap. Age, car, history, address tend to matter. As a boring 40 something, I’m paying less for $0 deductible, $1M limit insurance than I did for a 100/300 $2500 deductible 10 years ago. If you drive a Tesla, live in Brooklyn and have moving violations, forget it.