--- title: 4 Key Factors Driving Up Auto Insurance Costs description: Here are 4 key factors that can drive up your auto insurance costs. image: https://blog.myarnoldteam.com/hubfs/Imported_Blog_Media/shutterstock_1228697173.jpg --- Contact Us [![Arnoldic](https://blog.myarnoldteam.com/hs-fs/hubfs/raw_assets/public/Arnoldic_August2022/images/new-header-image.png?width=413&height=135&name=new-header-image.png "Arnoldic")](https://www.arnoldic.com/) - [Company](https://www.myarnoldteam.com/) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - [Resources](https://www.arnoldic.com/) - [Straight Talk/Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) [![Request A Quote](https://no-cache.hubspot.com/cta/default/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106.png)](https://cta-redirect.hubspot.com/cta/redirect/8185661/01c532b0-a201-443b-8414-aa6d9c4e6106) - [Company](https://www.myarnoldteam.com/about) - [Why Arnold Insurance?](https://www.myarnoldteam.com/about) - [Leadership Team](https://www.myarnoldteam.com/copy-of-insurance-executives) - [Insurance Executives](https://www.myarnoldteam.com/team) - Locations - [Cape Girardeau](https://www.myarnoldteam.com/cape-girardeau) - [St. Louis](https://www.myarnoldteam.com/stlouis) - [Denver](https://www.myarnoldteam.com/denver) - [Jackson](https://www.myarnoldteam.com/jackson) - [Alexandria](https://www.myarnoldteam.com/alexandria) - [Scott City](https://www.myarnoldteam.com/scotty-city) - [Sikeston](https://www.myarnoldteam.com/sikeston) - [Phoenix](https://www.myarnoldteam.com/phoenix) - Personal - [Auto Insurance](https://www.myarnoldteam.com/auto) - [Home Insurance](https://www.myarnoldteam.com/home-insurance) - [Renters Insurance](https://www.myarnoldteam.com/renters) - [Boat Insurance](https://www.myarnoldteam.com/boat) - Commercial - [Business Owners Coverage](https://www.myarnoldteam.com/business-owners-policy) - [General Liability Coverage](https://www.myarnoldteam.com/general-liability) - [Property Coverage](https://www.myarnoldteam.com/commercial-property) - [Towing Coverage](https://www.myarnoldteam.com/towing) - [Bonding](https://myarnoldteam.propeller.insure/axelerator-public/) - [Health](https://www.myarnoldteam.com/group-health) - Resources - [Straight Talk | Blog](https://blog.myarnoldteam.com/straight-talk) - [Testimonials](https://www.myarnoldteam.com/?__hstc=243107421.e0f7ab11dab606bb386a0f5f4de1c634.1676410558906.1676410558906.1676410558906.1&__hssc=243107421.5.1676410558906&__hsfp=69714730) - [Bonus Tools](https://info.myarnoldteam.com/free-resources-from-arnold-insurance-company) - [Contact](https://www.myarnoldteam.com/contact) - [Request a Quote](https://www.myarnoldteam.com/quote) ![](https://blog.myarnoldteam.com/hubfs/Imported_Blog_Media/shutterstock_1228697173.jpg) # 4 Key Factors Driving Up Auto Insurance Costs Published by [Marcus Harris](https://blog.myarnoldteam.com/straight-talk/author/marcusharrisvgmail-com) on Dec 17, 2019 12:05:35 PM Auto insurance carriers are paying out more and more in auto claims. These increases affect the entire insurance industry. Our friends at [Selective](https://www.selective.com/) are working to help mitigate the increased premiums for consumers like you. ### **4 Key Factors Driving Up Costs** ### **1. More Miles Driven** Americans drove 3.22 trillion miles as of 2016, which is a record high. ### **2. More Crashes** Deadly crashes spiked 7.2% from 2014 to 2015. In 2015, distracted driving claimed 3,477 lives and injured 391,000 people. ### **3. More distractions** 19% of the time, drivers are distracted by a phone. About 660,000 drivers use an electronic device while driving. Texting and driving increases the chance of being involved in a collision by 23 times. **Distracted driving accounts for:** - More than $10 billion in property damage. - More than 1.5 million collisions in the U.S., resulting in more than 300,000 injuries and more than 3,000 fatalities. - On average, 9 Americans die every day from distracted driving. ### **4. More Expensive Car Tech** More people own new cars with advanced safety features designed to protect drivers, passengers and pedestrians. These safety features add mightily to repair cost, even for a minor accident. For instance, the cost of a windshield/headlight repair jumped 63% from 2013 to 2017 for one car model. [![Have questions about your auto insurance? We can help. 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[Read More](https://blog.myarnoldteam.com/straight-talk/understanding-auto-insurance-scores-how-they-can-affect-your-premiums) ## [How to Pack an Emergency Preparedness Kit for Your Car](https://blog.myarnoldteam.com/straight-talk/how-to-pack-an-emergency-preparedness-kit-for-your-car) Ideally, when traveling by car, you will leave your location and drive to your destination without... [Read More](https://blog.myarnoldteam.com/straight-talk/how-to-pack-an-emergency-preparedness-kit-for-your-car) ## [The Business Owners Guide to Navigating Today's Trucking Industry](https://blog.myarnoldteam.com/straight-talk/the-business-owners-guide-to-navigating-todays-trucking-industry) If you own a trucking business, things have been somewhat unpredictable throughout 2021 and heading... 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