![Personal Insurance - 2022 Auto Market Trends](https://files.alicor.net/promarkinsurance.com/_blog/20230130082247.jpg)
The Many Factors Driving Auto Insurance Rates ![](data:image/png;base64,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)
Not only are accidents more likely, repairs/replacements are more costly.
As the auto industry deals with an increase in loss costs, here are
some of the factors that may affect premiums moving forward.