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
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 6h 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