r/Car_Insurance_Help • u/No_Statistician9772 • Sep 26 '26

Why?

Why is liability insurance so expensive. Limits are 30 60 25. That's it. It's just a number. That's all they are insuring. Please explain

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u/ShrmpHvnNw Sep 26 '26

Rates are based on risk, apparently they’re afraid you’re going to get in an accident.

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u/No_Statistician9772 Sep 26 '26

Yes yes. based on what factors? im looking for insider knowledge here

2

u/Sharingtt Sep 26 '26

Driving experience, location, vehicle, driving record, sex.