{"id":3211,"date":"2023-02-08T22:30:39","date_gmt":"2023-02-09T04:30:39","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/how-to-combat-rising-car-insurance-premiums-2023\/"},"modified":"2025-08-27T10:04:21","modified_gmt":"2025-08-27T15:04:21","slug":"how-to-combat-rising-car-insurance-premiums-2023","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-and-driving-basics\/how-to-combat-rising-car-insurance-premiums-2023\/","title":{"rendered":"How to Combat Rising Car Insurance Premiums in 2023"},"content":{"rendered":"\n<p><span data-contrast=\"none\">Even the best drivers will someday face the <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/why-are-car-insurance-rates-increasing\/\"><span data-contrast=\"none\">rise of car insurance premiums<\/span><\/a><span data-contrast=\"none\">. Like groceries, retail items, and many other life expenses, car insurance premiums are expected to become <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/its-not-just-inflation-heres-why-your-car-insurance-rates-are-almost-certainly-going-up-this-year\/\"><span data-contrast=\"none\">more expensive in 2023<\/span><\/a><span data-contrast=\"none\">. While owning a car may become more costly, you shouldn\u2019t have to relocate or cut back on insurance costs to save a few bucks. Learn what\u2019s causing car insurance premiums to go up in 2023 and what you can do to keep your premiums low.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-will-premiums-cost-in-2023\"><b><span data-contrast=\"none\">How Much Will Premiums Cost in 2023?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Your car insurance premiums are set to <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-much-does-insurance-go-up-after-an-accident\/\"><span data-contrast=\"none\">rise after a car accident<\/span><\/a><span data-contrast=\"none\">. However, car insurance premiums can go up for everyone, due to factors beyond your control. According to the experts at <\/span><a href=\"https:\/\/insurify.com\/report\/auto-insurance\/december-2022\/\"><span data-contrast=\"none\">Insurify<\/span><\/a><span data-contrast=\"none\">, the average annual cost of car insurance will increase by 7% in 2023. With this uptick, drivers in the US will be paying approximately $1,895 a year.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-causing-car-insurance-premiums-to-increase\"><b><span data-contrast=\"none\">What Is Causing Car Insurance Premiums to Increase?<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Car insurance premiums are on the rise for a variety of reasons. A lot of factors depend on where you live and how good your driving record is, but the national average of car insurance premium prices will go up for everyone. Some probable causes include:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-more-drivers-hitting-the-road-nbsp\"><b><span data-contrast=\"none\">More Drivers Hitting the Road<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-contrast=\"none\">The new year brings forth a new wave of eligible drivers. Statistics show that the number of licensed drivers in the US is projected to steadily increase each year: compared to 2022, we\u2019ll see a few million more people behind the wheel. There were also fewer new drivers in 2020 due to the COVID-19 pandemic, so more people are planning to take the driving test in the following years. However, more drivers on the road means more car accidents, and more car accidents calls for the use of car insurance. An increase in <\/span><a href=\"https:\/\/www.thegeneral.com\/claims\/\"><span data-contrast=\"none\">car insurance claims<\/span><\/a><span data-contrast=\"none\"> will lead to an increase in premiums across the board.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-technological-advancements-in-cars-nbsp\"><b><span data-contrast=\"none\">Technological Advancements in Cars<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-contrast=\"none\">Cars become more advanced each year, and new models are expected to debut in 2023. But new, higher-tech cars can be expensive, which means they\u2019ll cost more to replace if they\u2019re totaled. New cars also cost more to repair, which will come out of insurance claims as well.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-natural-disasters-and-medical-care-costs-nbsp\"><b><span data-contrast=\"none\">Natural Disasters and Medical Care Costs<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-contrast=\"none\">Medical care costs and natural disasters also contribute to the rising cost of car insurance. When a person involved in a car accident needs medical attention, insurance companies must account for these costs in their premiums. Natural disasters like hurricanes and floods are also common culprits for car damage, which in turn requires more insurance claims. People who live in areas where natural disasters are prevalent may see increases in car insurance premiums after a big storm or flood.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-keep-your-insurance-premiums-low\"><b><span data-contrast=\"none\">How to Keep Your Insurance Premiums Low<\/span><\/b><\/h2>\n\n\n\n<p><span data-contrast=\"none\">Although the national average for car insurance premiums will likely increase, you can still take matters into your hands to <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-get-the-cheapest-car-insurance\/\"><span data-contrast=\"none\">find the cheapest insurance<\/span><\/a><span data-contrast=\"none\"> options. Here are a few steps you can take to lower your premiums:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-invest-in-a-car-with-good-safety-features\"><b><span data-contrast=\"none\">Invest in a Car with Good Safety Features<\/span><\/b><\/h3>\n\n\n\n<p><span data-contrast=\"none\">Looking to <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/buying-a-new-car\/\"><span data-contrast=\"none\">buy a new car<\/span><\/a><span data-contrast=\"none\"> this year? Keep an eye out for <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/lower-car-insurance-safety-features\/\"><span data-contrast=\"none\">safety features that can lower premiums<\/span><\/a><span data-contrast=\"none\">. Some insurance companies may consider applying discounts to your car insurance plan based on how safe your car is. Good safety features make your car less prone to accidents, which means you\u2019re less likely to need a car insurance claim.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-go-for-a-higher-deductible-nbsp\"><b><span data-contrast=\"none\">Go for a Higher Deductible<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/h3>\n\n\n\n<p><span data-contrast=\"none\">Increasing your <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/making-sense-of-your-car-insurance-deductible\/\"><span data-contrast=\"none\">deductible<\/span><\/a><span data-contrast=\"none\"> can help you save a couple hundred dollars on your plan. Having a high deductible comes with a risk since you\u2019ll be paying more in the event of an accident, so it\u2019s important to make sure you can afford to raise your deductible first. If you\u2019re a safe driver and are able to cover the additional cost after an accident, a higher deductible might be a good idea.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-look-for-a-new-policy\"><b><span data-contrast=\"none\">Look for a New Policy<\/span><\/b><\/h3>\n\n\n\n<p><span data-contrast=\"none\">Leaving your old car insurance provider might be the move. <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/how-to-switch-your-car-insurance-company\/\"><span data-contrast=\"none\">Switching your insurance company<\/span><\/a><span data-contrast=\"none\"> is one way to find a lower rate. <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/compare-car-insurance-quotes\/\"><span data-contrast=\"none\">Compare quotes<\/span><\/a><span data-contrast=\"none\"> from other insurers to see if there are cheaper rates available.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:264}\">&nbsp;<\/span><\/p>\n\n\n\n<p><span data-contrast=\"none\">If you\u2019re looking for affordable rates on a good insurance plan, The General has your back.<\/span><span data-contrast=\"none\"> We believe that everyone deserves quality coverage and five-star customer service no matter how your credit or driving record looks. Get a <\/span><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span data-contrast=\"none\">quote<\/span><\/a><span data-contrast=\"none\"> in two minutes or less and read more articles about car insurance on <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/\"><span data-contrast=\"none\">our blog<\/span><\/a><span data-contrast=\"none\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to combat rising car insurance premiums in 2023 with The General. Find out why car insurance prices will rise and how to keep your rates low.<\/p>\n","protected":false},"author":7,"featured_media":3212,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[55],"tags":[],"class_list":["post-3211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-and-driving-basics"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Combat Rising Car Insurance in 2023 | The General<\/title>\n<meta name=\"description\" content=\"Learn how to combat rising car insurance premiums in 2023 with The General. Find out why car insurance prices will rise and how to keep your rates low.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thegeneral.com\/going-places\/blog\/car-and-driving-basics\/how-to-combat-rising-car-insurance-premiums-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Combat Rising Car Insurance Premiums in 2023\" \/>\n<meta property=\"og:description\" content=\"Learn how to combat rising car insurance premiums in 2023 with The General. 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