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A view of a car from the scene of an accident in Bourke Street in Melbourne, Australia, September 8, 2023, in this picture obtained from social media. @shipdoes via X/via REUTERS  THIS IMAGE HAS BEEN SUPPLIED BY A THIRD PARTY. MANDATORY CREDIT. NO RESALES. NO ARCHIVES.

Car insurance rates have been soaring in 2023 surpassing expectations with the national average cost now $172 per month. Here’s what’s behind the spike.

Greg Heilman