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                  CONNECT POWERED BY AMERICAN FAMILY INSURANCE logo
                  • Home
                  • Insurance Choices
                    • Auto Insurance
                      • Coverage
                      • Benefits
                      • Discounts
                      • Payments
                    • Home & Condo Insurance
                      • Homeowners Standard Coverages
                      • Condo Coverage
                      • Additional Coverage Options
                      • Discounts
                      • Payments
                    • Renters Insurance
                      • Coverage
                      • Benefits
                      • Payments
                    • Umbrella Insurance
                      • Coverage
                      • Discounts
                      • Payments
                    • Specialty Insurance
                      • Coverage
                    • Business Insurance
                      • Coverage
                  • Claims
                    • Auto Claims
                      • Filing an auto insurance claim
                      • Auto insurance claim process
                      • Repairing Your Car
                      • Total loss car vs. repairable vehicles
                      • What happens after your car is totaled?
                      • How to determine car value
                      • The basics of not-at-fault accidents
                    • Homeowners Claims
                      • Filing a homeowners insurance claim
                      • Home insurance claim guide
                    • Common Claims Questions
                      • What to do after a car accident
                      • How long does an insurance claim take to settle?
                      • What to do if insurance denies claim and more claims tips
                      • I’ve hired an insurance claim attorney - what can I expect?
                      • What is subrogation?
                      • What effect does a not-at-fault accident have on my insurance?
                    • Types of Insurance Claims
                      • Rear-end collisions
                      • Parking lot accidents
                      • Identity theft
                      • Home theft
                      • Water damage
                      • Wind and hail damage
                    • Ways to Report a Claim
                      We're available 24 hours a day, 365 days a year. File a claim report online or report a claim anytime by calling us now.
                      File a claim
                  • Learning Center
                    • Auto
                      • Safe driving tips
                      • Car maintenance
                      • Car buying tips
                    • Home & Renters
                      • Home maintenance
                      • Home safety
                      • Home buying and selling
                      • How to rent
                    • Disaster Preparedness
                      • Wildfires
                      • Tornadoes
                      • Hurricanes
                      • Earthquakes
                      • Floods
                      • Natural Disasters
                    • Understanding Insurance
                      • Insurance coverage
                      • Insurance Rates
                      • Insurance terms
                    • Florida Hurricane Mitigation Discounts
                    • About
                      • Benefits and Discounts

                        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

                        See benefits and discounts
                      • Customer Testimonials

                        See what customers have to say about their experience with CONNECT. Read auto and home insurance reviews to learn about our superior customer service and more!

                        Hear from our customers
                    • Help
                      • Contact Us
                        Have questions around your insurance policy or claims? We’re here to help. Find a CONNECT phone number and other contact info you need.
                        Visit our contact page
                      • General FAQs
                        Find answers to your billing, coverage, claims, documents and profile questions.
                        See all FAQs
                      • Holiday Hours
                        On certain dates, some of our services may be limited.
                        See our holiday hours
                    • Careers
                      • Our Values
                        • Work/Life Balance
                          • Diversity & Inclusion
                            • Benefits
                              • Development
                                • Community
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                                  • Log In
                                  Insurance Rates
                                  Insurance Rates
                                  • Learning Center
                                    • Auto
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                      • Insurance coverage
                                      • Insurance Rates
                                        • Calculating Home Insurance Premium
                                        • Understanding Home Insurance Rate Increases
                                        • Calculating Car Insurance Premium
                                        • Your Guide to Car Insurance Rate Increases
                                        • Car Insurance Premium After an Accident
                                      • Insurance terms
                                    • Florida Hurricane Mitigation Discounts
                                  • Learning Center
                                    • Auto
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                    • Florida Hurricane Mitigation Discounts
                                  1. Home
                                  2. Learning Center
                                  3. Understanding Insurance
                                  4. Insurance Rates
                                  • Learning Center
                                    • Auto
                                    • Home & Renters
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                      • Insurance coverage
                                      • Insurance Rates
                                        • Calculating Home Insurance Premium
                                        • Understanding Home Insurance Rate Increases
                                        • Calculating Car Insurance Premium
                                        • Your Guide to Car Insurance Rate Increases
                                        • Car Insurance Premium After an Accident
                                      • Insurance terms
                                    • Florida Hurricane Mitigation Discounts

                                  Insurance Rates

                                  Ever wonder how insurance rates are calculated? There’s a lot more to determining your auto and home insurance premium than you might think. Let’s explore how insurance companies determine their rates, why rates are on the rise and what you can do to reduce your premium. 

                                  • Calculating Home Insurance Premium

                                    How is the cost of your home insurance calculated? From where you live to the age of your home, several factors affect your homeowners insurance premium.

                                    Learn more about home insurance premium

                                  • Understanding Home Insurance Rate Increases

                                    Home insurance premiums are continuing to rise. Learn how climate events, rebuilding costs, and other factors affect rates, and discover practical ways to keep your rates as low as possible.

                                    Learn more about homeowners rate increases

                                  • Calculating Car Insurance Premium

                                    How is the cost of car insurance calculated? Your individual car insurance premium is set by a number of influencing factors such as vehicle type, driving history, age and more.

                                    Learn more about how insurance premiums are calculated

                                  • Your Guide to Car Insurance Rate Increases

                                    What factors are driving up auto insurance rates? Learn about repair costs, weather impacts, and personal factors affecting your premium and ways to get the best rate possible.

                                    Learn more about auto insurance rate increases

                                  • Car Insurance Premium After an Accident

                                    How much does auto insurance go up after an accident? Many factors about the accident and your driving record are considered. An accident may impact your car insurance rate in many ways. and what you should do after an accident.

                                    Discover what happens to your car insurance premium after an accident

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                                  © 2025 American Family Connect Property and Casualty Insurance Company, Inc. All rights reserved.

                                  CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations.

                                  We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.