American Property Casualty Insurance Association

Automobile Insurance Cost Drivers

Promoting auto and road safety protects drivers and pedestrians while keeping insurance costs stable.

There are a number of factors that can impact the cost of automobile insurance, but auto safety tops the list. That’s why APCIA works with policymakers, member companies, and consumers to promote driver safety and enact highway safety laws that help keep motorists and pedestrians safe on the road.

Other factors that impact the cost of auto insurance include:

  • Hostile auto repair initiatives
  • Auto salvage titling processes
  • Predatory towing practices
  • Research into and enactment of vital auto safety provisions

By proactively addressing these and other factors that contribute to higher auto insurance costs, APCIA is working with key stakeholders to support auto and road safety priorities while ensuring rates remain stable and affordable for consumers nationwide.