DUmmie must live in a high crime area or have a bunch of tickets and accidents.
I live in a very red state, in a very red county, in a small very red town and it's happening to me. My truck is a 20 year old F350 turbo-diesel. 4 Years ago when I bought it, full coverage was a little over $65 per month.
Last month it was $127.83.
Insurance goes up to pay for the illegals (and others) who don't have insurance so the insurance companies can pay for accidents.
I am subsidizing them...