I have a 2019 Camry and am with State Farm. My premiums keep rising, now from $457 to $681 for 6 months. I have no tickets or at-fault claims, just 2 recent hit-and-run claims. Is this increase because of rising medical costs or something else? State Farm is the cheapest in my area, with other companies being much more expensive.
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Like cable services, auto insurance plays the same trick of luring you in with cheap beginning costs, then steadily raising rates over time because the firms know it would be difficult to switch. Avert costs by negotiating with your present insurer or routinely comparing quotations every two to three years. Mention your consideration of other options and enquire about any reductions that may be available; they may reduce your rate in order to retain your business.
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Shop around whenever a renewal is due, in my opinion, even if it is only once every six months.
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Both of you are right. If you monitor the market and resist rate hikes, you will come out ahead whether it is every two to three years or every six months.
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Every six months, I do that 
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All insurance firms hike their premiums. They provide you a low price to attract you as a customer, and then after a set number of years, they begin rising your price. You can either make changes to your policy using your insurance app, take a defensive driving course, phone them to see how they can lower it, or look for a new insurance provider.