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Nearly half of auto insurance holders report premium increases, with local experts suggesting the numbers may be even higher. In Texas, about 20% of drivers are uninsured, causing insured Texans to spend nearly $900 million annually to protect themselves. In Houston, many drivers lack insurance, contributing to the rise in premiums for over half of drivers. Industry professionals, including Jessica Point from Brazos Insurance and William Davis from State Farm, estimate that around 65-70% of customers have faced premium hikes. Factors behind these increases include inflation and changes in driving behaviors during and after the pandemic.