Accidents have become more severe, leading to higher medical bills and legal litigation costs.
Premiums have soared roughly 55% since early 2020 due to inflation and higher repair costs. auto insurance quote rate
Your personal "rate" isn't a fixed number; it's a risk score built from several variables: Accidents have become more severe, leading to higher
Insurers cite a "perfect storm" of factors for these historic hikes: Accidents have become more severe
Compare Car Insurance Rates Side-by-Side in 2026 - The Zebra
Modern cars have sensors (ADAS) and expensive tech that make even minor fender-benders costly to fix.
An increase in severe weather events (floods, hail) has led to massive payouts by insurers.