What's Driving Car Insurance Cost?

We know auto insurance rates are on the rise industry wide. Below are some of the top factors that can contribute to your car insurance cost:

  1. Distracted Drivers- 3,166 people were killed by distracted driving in 2017. This is largely due to distracted drivers.

  2. Miles Driven- U.S drivers traveled over 3.21 TRILLION miles in 2018! Lower unemployment rate, cheaper gas and an improved economy means more cars on the road .... and more accidents.

  3. Rising Repair Cost - Repair shops are servicing newer cars with more expensive parts. Between 2000- 2017 car repair cost jumped 61%, and they continue to rise.

  4. Where you live - If you live in an area with a high traffic volume, the risk of you getting in an accident is higher and likely increases the cost of your car insurance.

  5. Poor Driving Record- The amount you pay for car insurance depends on your driving history, including the number of accidents and traffic violations.

  6. Paying late - frequently paying late can cause the risk of higher premiums or even worse, a gap in coverage

Here are some money savings tips:

  • Compare insurance cost before buying a car

  • Inquire about available discounts and payment options

  • Bundle your auto, hoem and life policies.

  • Adjust your coverages and deductibles

  • Practice safe driving. Safe drivers with no violations and no accidents tend to pay less for insurance


  1. The National Highway Traffic Safety Administration - Distracted driving in Fatal Crashes.

  2. Federal Highway Administration- Monthly Traffic Trends Report

  3. U.S. Department of Labor Statistics


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