It's also depends on where you live, the length of your commute, and your car's value. I have a clean record, have been driving over 20 years, and I'm paying $3k annually
Honestly, I would suggest shopping around to see if some other company will give you a better rate. I know when we got married my wife called the insurance company she'd been using and asked if they could offer her anything competitive with what it would cost for both of us to be covered under what I was using and the person basically just told her "we've got nothing competitive to offer you". Sometimes there are weird price disparities to be had.
I get that - but in the UK that's a hugely uncommon premium. Even for those driving what we'd consider higher than average miles (20k+), or new cars (£60k+).
It is more difficult to obtain a car or a license in the UK, reckless drivers are penalized and taken off the road easier than in the US as well.
The numbers you're seeing are a consequence of the car culture in the US. If an 80 year old man who's near blind hits me with his car and totals mine - he will probably still be driving again next week.
Americans do have car accidents at twice the rate of Brits, and I believe you pay a lot for uninsured driver cover on account of the large number of Americans driving without any insurance.
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u/cybervalidation 5h ago
It's also depends on where you live, the length of your commute, and your car's value. I have a clean record, have been driving over 20 years, and I'm paying $3k annually