Didn't read the whole thread but insurance in the UK has gone up a ton as well.
Its not unique to the USA.
So its not about immigrants with no insurance...we have a load of ANPR cameras to catch uninsured vehicles in the UK.
We don't have guns for road ragers to shoot each other....etc etc
Its just a general upward trend in crashes/injuries/deaths by population number.
Insurance companies up their rates to ensure they stay in profit.
Even my wifes crappy 4 years old Nissan has had her premium double this month.
https://www.iihs.org/topics/fatality...early-snapshot