Drivers can take three crucial steps to lower car insurance prices after huge spike sees some paying $200 more per month ...Middle East

CAR insurance rates are soaring and drivers across the country are feeling the squeeze.

But you’re likely paying more because of other people’s mistakes.

Drivers in Washington have felt the effects of price spikes in their wallets, as the average cost of full coverage reached $1,845.

This marks a 12% increase—about $200 more—since February 2024, according to local CBS affiliate KIRO-TV.

Luckily, there are three steps you can take to reduce your monthly car insurance cost.

Kenton Brine, President of the NW Insurance Council, explained the steps to KIRO-TV, noting they can even be done from home.

First, Brine suggested browsing different car insurance companies before committing.

Rates vary between insurers, so shopping around can help you find the best deal.

Brine also suggested getting multiple quotes before choosing a policy.

Then, you should also check for hidden increases after a new transparency rule in Washington state requires insurers to disclose premium changes at renewal.

Reviewing these details may help you spot errors or unfair price hikes, Brine said.

Finally, you can always adjust your coverage.

If your car is older, consider dropping comprehensive or collision coverage.

Ask yourself: If your car is totaled, can you afford to replace it out of pocket? Only pay for coverage that makes financial sense.

COSTLY REPAIRS

Brine also noted that one major cause of the jump in insurance prices is the skyrocketing cost of car repairs.

With auto parts getting pricier and a labor shortage driving up mechanic wages, insurance companies are shelling out more on claims – and passing those costs onto you.

That means bigger payouts for them and bigger premiums for you.

“When you pay for insurance, you’re not paying for what might have happened to you. You’re paying for what is already happening out there in the world,” Brine told KIRO-TV.

Tacoma resident Erika Weaver has felt the impact firsthand.

In June 2024, her full coverage premium stood at $1,602. Just six months later, it surged to $1,833.

Weaver’s experience reflects a broader trend of rising rates across the country.

Car Insurance Tips

Source: CBS affiliate KIRO-TV

CAR INSURANCE RATE SURGE NATIONWIDE

The national average cost of car insurance is $2,670 per year for a full coverage policy, car insurance rates vary greatly by state and city, according to Bankrate.

Meanwhile, minimum coverage costs an average of $773.

New York remains the most expensive city for car insurance, with drivers paying an average of $6,841 annually—the highest in the nation, reported Bankrate.

Car insurance costs continue to rise across the US, with full coverage rates projected to increase by 5% by the end of 2025, according to Insurify’s analysis of over 97 million rates.

Since 2022, multiple factors have driven these increases.

Inflation, frequent natural disasters, rising repair costs, and advanced vehicle technology—such as cameras, sensors, and automated driving systems, have made insurance more expensive.

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