My auto insurance went up 30% this year. I am 82 and my wife is 77.
As far as I can recall, we have had just 1 or 2 claims in the last 50 years. 10 years ago, my wife backed into a parked car causing no damage to her car but dented a door and fender on the other car. About 15 years ago I had a tailgate repaired; I paid, but I don't remember if it was the deductible or the whole cost. Our cars are ordinary, a 2004 and a 2011.
I don't see anything in our history to warrant a 30% increase. So I am thinking it is our ages.