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if youve looked at your auto insurance bill lately youve noticed that its been heading higher much higher since January 2022 car insurance premiums have soared by 43% and theyre still increasing naturally you want some ideas about how to cut your insurance bill so lets take a look if you drive a car Most states require you to carry a minimum level of auto insurance like ability insurance covers injuries and damages you cause to other people and their property uninsured and underinsured motorist coverage covers injuries and damage caused by drivers with little or no insurance and personal injury protection or pip covers medical cost for you and your passengers no F States typically require you to carry pip in January 2022 the average rate for a year of full coverage auto insurance was about $1,700 ing to bank rate by January of this year that cost had jumped to about $2500 thats an increase of 44% whats driving these premium increases it turns out to be for a couple of reasons fi