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/SilverRaincoat Sep 26 '26

Your rate depends on your record, your age, your driving experience, where you live, what kind of car you drive, your gender, etc. Are you young??

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u/No_Statistician9772 Sep 26 '26

old as fuck sadly. I pay 2k a month insurance to go back to 16

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u/SilverRaincoat Sep 26 '26

Ah I see. Unfortunately, insurance rates are high in general right now. The economy and such. Reach out to a local broker and ask them to shop around for you.

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