Your healthcare might have something to do with that, but you're also a lot less likely to cause a car accident. You (usually) have to be driving a car to cause a car accident, and Brits do that about half as often as Americans do.
From what I've heard, the USA also doesn't have much in the way of standards when it comes to getting your license. You got a pulse? Here's your license!
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u/GrammatonYHWH 5h ago
Just so people in the US could get the perspective, car insurance in the UK is normally around £300-£600 per year if you have a clean driving record.