Car insurance is a big cost for many motorists and often you will find your insurance increasing year upon year rather than decreasing (as you may expect if you have had no points or accidents). The general price increase usually happens in line with inflation but also due to a rise in the number of claims seen by insurance companies.
If you incur points on your licence you can also expect to see an increase in the premium you are quoted the following year. I would strongly recommend shopping around for quotes prior to renewing with your current company as you may be able to save a few hundred pounds this way.
If you move to a new area, you may be surprised to find that your insurance premium has shot up. This can be due to the postcode in which you are moving to, often if there is a high level of crime or accidents.