This article says costs are up "largely due to the skyrocketing price of auto parts and the increasing number and severity of claims." There is also a claim that drivers are becoming more reckless. I can testify to that fact at least around rochester. I have seen a significant increase in the number of cars speeding way over the limit, running red lights and texting while driving. I even asked my wife and son and they said the same thing.
Why auto insurance costs are rising at the fastest rate in 47 years
While car prices are dipping lower and are gradually coming back down to pre-pandemic levels, more Americans are still feeling the financial pinch from car ownership — because of insurance.
finance.yahoo.com