Accidents have become more severe, leading to higher medical bills and legal litigation costs.
Auto insurance rates have spiked significantly in recent years, with full coverage now averaging ($225 per month) as of early 2026. This represents a nearly 31% increase since 2023. 📈 The State of Rates (2025–2026)
Modern cars have sensors (ADAS) and expensive tech that make even minor fender-benders costly to fix.
Compare Car Insurance Rates Side-by-Side in 2026 - The Zebra