I was with "Flo" for 8+ years. I never once complained about the rates $1200+. When I got divorced Progressive raised my rates $700 a year because I am now single. I called and asked the reason and they said company policy, single drivers pay more! Kind of like being a teenager again! Though I enjoyed feeling like a young, irresponsible wildman, I just couldn't swallow the increase. I ended up going to my agent who has my cars, house and umbrella and he cut Flo's rate by $500 a year. Yes I'm fully covered.
I can only assume this rate increase would apply if my wife had died. Oh yeah, I'm a 63 year old, retired maniac!