It is 1:40 in the morning. You were tired at ten. You did everything right: no coffee after lunch, phone on the dresser, room dark. And here you are, wide awake, running through tomorrow's meetings and doing the math on how many hours are left if you fell asleep right now.
The natural question is why. What is causing this? People tend to look for one answer: a vitamin, a mattress, a hormone, a bad habit they can cut out. Sometimes there is one. More often there are several, and the one that started your insomnia is not the one keeping it going.
Insomnia is usually caused by a mix of three things: a natural tendency toward lighter, more alert sleep; a trigger such as stress, illness, pain or a schedule change; and the habits and worries that build up around poor sleep and keep it going after the trigger is gone. Sleep researchers call this the "3P" model, and it is the most useful way to think about your own nights.
This page is information, not a diagnosis. If something here sounds familiar, take it as a starting point for a conversation with your own clinician.
First, what counts as insomnia
Insomnia means difficulty falling asleep, staying asleep, or waking too early, despite having a fair chance to sleep, with effects on how you feel or function during the day. When it happens on three or more nights a week and has lasted three months or more, it is called chronic insomnia. The full definition of insomnia walks through each part.
The "despite having a fair chance to sleep" part matters. If you only get five hours because you work two jobs, that is sleep deprivation, not insomnia. The fix is time, not therapy. Insomnia is when the time is there and sleep still will not come.
The 3P model: why insomnia starts, and why it stays
In 1987, the psychologist Arthur Spielman described insomnia in three layers. Nearly four decades later, it is still how most sleep specialists explain it.
Predisposing factors: the background
These are the things that make some people more likely to develop insomnia than others. They include genetics, age, being female, and a temperament that worries or ruminates easily. Researchers also describe a state of "hyperarousal": in many people with insomnia, the body and brain run slightly hotter than average, by day and by night. A 2010 review in Sleep Medicine Reviews by Riemann and colleagues gathered evidence for this across heart rate, stress hormones, brain activity and brain imaging.
Predisposing factors do not cause insomnia on their own. They lower the threshold. You can carry all of them for years and sleep well.
Precipitating factors: the trigger
Something tips you over the threshold. A divorce, a death, a new baby, a job loss, a hospital stay, a move, a stretch of night shifts, a new medication. Most people can name the month their sleep went wrong.
For many people, sleep recovers once the trigger fades. That is short-term, or acute, insomnia. It is common, and it is normal.
Perpetuating factors: why it keeps going
This is the layer most people miss, and it is the most important one. After a few weeks of bad nights, people do sensible-seeming things to cope:
- They go to bed earlier, or stay in bed later, to "catch up".
- They nap.
- They lie in bed trying harder to sleep.
- They start to dread bedtime and to watch the clock.
- They cancel plans and cut back on daytime activity because they are tired.
Each of these makes sense. Together they keep insomnia going. More time in bed spreads the same amount of sleep thinner, so the night becomes long stretches of wakefulness. Lying awake in bed, night after night, teaches the brain that the bed is a place for being awake and frustrated. And worrying about sleep is itself arousing, which is the opposite of what sleep needs.
This is why chronic insomnia so often outlasts the stress that started it. The original cause is gone. The habits and the worry are still there. Why you can't sleep when you're exhausted goes deeper into that loop.
Common causes and triggers
With the 3P model in mind, here are the triggers that come up most often. Several of them can also become perpetuating factors if they stick around.
1. Stress and life events
Stress is the most common trigger of all. The body's stress system and its sleep system work against each other: the same alertness that helps you handle a problem by day keeps you awake at night. The trigger does not have to be dramatic. A long run of ordinary pressure at work can do it.
2. Anxiety
Anxiety and insomnia feed each other. Anxious people sleep worse, and poor sleep makes anxiety harder to manage. A racing mind at bedtime is one of the most common complaints in insomnia. Insomnia and anxiety and why your mind races at night cover this in detail.
3. Depression
Insomnia is one of the core symptoms of depression, and it often shows up first. A 2011 meta-analysis by Baglioni and colleagues, pooling 21 long-term studies, found that people with insomnia but no depression had about twice the risk of developing depression later than people who slept well. The direction of cause is still debated, but the link is strong. If your mood has been low for two weeks or more, tell a doctor. Insomnia and depression explains what the research shows.
4. Caffeine
Caffeine blocks adenosine, the chemical that builds sleep pressure through the day. It also lasts longer than most people expect. In a 2013 study in the Journal of Clinical Sleep Medicine, Drake and colleagues gave healthy sleepers 400 mg of caffeine (roughly two to three cups of coffee) at bedtime, three hours before, or six hours before. Even the six-hour dose cut objectively measured sleep by more than an hour. The participants did not notice. The study was small and the dose was large, and people vary a lot in how they process caffeine. Still, if you are struggling, an afternoon coffee is worth a look.
5. Alcohol
Alcohol is a sedative, so it can help you fall asleep. The problem comes later. A 2013 review by Ebrahim and colleagues in Alcoholism: Clinical and Experimental Research found that alcohol consolidates the first half of the night but disrupts the second half, with more waking and less REM sleep. One or two drinks seem to have little effect; more than that does. If you often wake at 3 or 4 a.m. after an evening drink, that pattern may be part of the reason. Why you wake up at 3am covers the other common causes.
6. Evening light and screens
Light is the main signal your body clock uses to tell day from night, and bright light in the evening pushes that clock later. In a 2015 study in PNAS, Chang and colleagues had adults read either a light-emitting e-reader or a printed book for four hours before bed, five evenings in a row. On the e-reader nights they took longer to fall asleep, released less melatonin, had a later body clock and were less alert the next morning. The study used long, bright exposure, and a few minutes on a phone is not the same thing. But a bright screen at midnight is a signal that it is still daytime.
7. An irregular schedule
Going to bed and waking at very different times, especially sleeping in on weekends, keeps your body clock from settling. The effect is like mild jet lag every Monday. A fixed wake time, seven days a week, is one of the most powerful tools in CBT-I. How to reset your sleep schedule shows how to set one.


