Why is car insurance so pricey?

Car insurance premiums have surged at nearly double the rate of overall inflation across America. While the increases have recently stabilized, they've left more than half of Americans feeling financially strained. For many families, insurance costs have become an unavoidable monthly burden that forces difficult budget trade-offs.

NPR's ongoing series "Cost of Living: The Price We Pay" examines the forces behind these rising costs and how ordinary people are adjusting their lives after years of persistent inflation. From delaying major purchases to cutting back on groceries, higher prices are reshaping household decisions nationwide.

"It's frustrating," says Sarah from Ohio, who recently dropped her collision coverage to afford premiums. "I'm driving less and taking better care of my car, but my rates just keep climbing."

The insurance industry cites several factors behind the increases: rising repair costs for modern vehicles, distracted driving accidents, and expensive medical treatments. These pressures have created a perfect storm that's squeezing budgets from coast to coast.

As families continue to navigate these financial challenges, NPR wants to hear how inflation has changed your life. Share your story through our interactive form and join the conversation about the costs we all face.

This article is part of NPR's "Cost of Living: The Price We Pay" series. Read the original reporting at NPR.