Car Insurance is Too Cheap

Car Insurance is Too Cheap

Author: The War on Cars, LLC March 19, 2024 Duration: 45:01

It has never been more expensive to insure a car in the United States. Today, the average annual premium for full coverage is more than $2,500, up from more than $1,700 just a few years ago. There are a lot of reasons for this—including the high price of cars, supply chain issues, and the rising frequency and severity of crashes—but no matter how you add it up it's a huge problem in a country where driving is a ticket to full participation in society. 

Despite this, what if we told you that car insurance is still way too cheap? That's something most people don't understand until they or someone they love is directly affected by traffic violence. Today, mandatory state minimum coverage requirements have not kept up with the rising cost of car crashes, something all of us subsidize whether we drive or not—and that crash victims often pay for with life and limb.

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LINKS:

Learn more about Michelle DuBarry and her advocacy for a Made Whole Doctrine in Oregon.

Why Car Insurance in America is Actually Too Cheap, by Daniel Knowles in The Economist.

Buy a copy of Carmageddon: How Cars Make Life Worse and What To Do About It by Daniel Knowles and get books by previous podcast guests at our official Bookshop.org page.

Steve Vaccaro: "New York City's best-known lawyer advocate for bicyclist and pedestrian rights."

Auto Insurance Spike Hampers the Inflation Fight (New York Times)

NHTSA: Traffic Crashes Cost American $340 Billion in 2019

Buy t-shirts, stickers, hats and more in The War on Cars merch store

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This episode was recorded by Josh Wilcox at the Brooklyn Podcasting Studio. It was written, produced and edited by Doug Gordon. Our theme music is by Nathaniel Goodyear.

 

TheWarOnCars.org

 


Imagine a world not built around traffic jams and parking lots, but shaped for people. The War on Cars is a dispatch from the front lines of that effort, a collective conversation questioning the automobile’s dominance over our cities, our environment, and our daily lives. Each episode digs into the real-world fight to reclaim public space, examining everything from the politics of a new bike lane to the history of how cars came to rule. You’ll hear from urban planners, activists, historians, and ordinary people pushing back, offering a mix of sharp analysis, on-the-ground reporting, and compelling narratives. This isn’t just about transportation; it’s about the culture and societal choices that have led us here, and the tangible, often inspiring work to create safer, quieter, and more connected communities. Tune in for a thoughtful and necessary critique of the status quo, a podcast dedicated to the idea that our streets can-and should-be for so much more.
Author: Language: English Episodes: 100

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