{"id":2478,"date":"2026-07-06T13:15:58","date_gmt":"2026-07-06T13:15:58","guid":{"rendered":"https:\/\/www.acceptance.com\/blog\/?p=2478"},"modified":"2026-07-06T13:16:00","modified_gmt":"2026-07-06T13:16:00","slug":"how-inflation-is-affecting-car-insurance-rates","status":"publish","type":"post","link":"https:\/\/www.acceptance.com\/blog\/how-inflation-is-affecting-car-insurance-rates\/","title":{"rendered":"Car Insurance Rates in 2026: Why Costs Are Rising and How to Save\u00a0"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.acceptance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Car insurance<\/a>&nbsp;costs&nbsp;have increased significantly over the past several years as vehicle repairs, medical expenses, and replacement costs continue to climb. Understanding&nbsp;what\u2019s&nbsp;driving these rate increases can help you make smarter coverage decisions and&nbsp;identify&nbsp;opportunities to save. In this guide, we break down the key factors affecting auto insurance premiums in 2026 and share practical ways to keep your coverage affordable without sacrificing protection.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Key Takeaways&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car insurance rates have risen sharply since 2020, with many drivers experiencing double-digit premium increases through 2024\u20132026.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rising insurance costs stem from higher inflation rates in auto repair, medical care, and vehicle prices, with core inflation running around 3\u20134% in 2025\u20132026.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurers are responding to more severe accidents, increased claim frequencies, supply chain disruptions, and labor shortages.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can lower premiums without sacrificing coverage by adjusting deductibles, bundling policies, improving driving habits, and comparing quotes with Acceptance Insurance.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why Are Car Insurance Rates Increasing?&nbsp;<\/h2>\n\n\n\n<p>U.S. auto insurance premiums have climbed dramatically since 2020. The average full-coverage auto insurance premium in the United States in 2023 is $1,601,&nbsp;representing&nbsp;a 17% increase since 2020,&nbsp;largely due to&nbsp;rising inflation and increased costs of materials and labor for auto repairs. By 2026, national averages have stabilized around $2,496 annually\u2014but for many drivers, the damage is already done.&nbsp;<\/p>\n\n\n\n<p>They\u2019re&nbsp;rising because everything insurers pay for\u2014cars, parts, medical treatment, and labor\u2014costs more. Inflation has led to higher claims payouts and operating costs for insurance companies, resulting in increased premiums for consumers.&nbsp;<\/p>\n\n\n\n<p>At Acceptance Insurance, we help&nbsp;every day&nbsp;and high-risk drivers understand why their premiums change and what they can do about it. This article breaks down the reasons behind higher rates, explains how insurers calculate premiums, and provides realistic strategies to reduce costs without dangerous coverage gaps.&nbsp;<\/p>\n\n\n\n<p>See more about&nbsp;<a href=\"https:\/\/www.acceptance.com\/blog\/why-is-my-car-insurance-going-up\/\" target=\"_blank\" rel=\"noreferrer noopener\">why your car insurance is going up.<\/a>&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Inflation and Core Inflation Push Car Insurance Rates Up&nbsp;<\/h2>\n\n\n\n<p>Inflation measures how fast prices rise across the economy. The consumer price index tracks these changes for urban consumers, while core inflation excludes food and energy to capture steady, underlying price trends. In April 2026, headline inflation sat near 3.8%, with core inflation around 3.2\u20133.5%\u2014still above the Federal Reserve\u2019s 2% target despite monetary policy efforts.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s&nbsp;why&nbsp;this matters&nbsp;for your premiums:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When vehicle prices, repair costs, and medical services rise, insurers\u2019 claim payouts increase, forcing&nbsp;premiums up&nbsp;to&nbsp;maintain&nbsp;profitability.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Core inflation captures long-term increases in things like repair labor and medical treatment that dominate claim costs.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Official indexes may understate your personal impact. Between 2019 and 2024,&nbsp;homeowners&nbsp;insurance premiums in the U.S. rose by 62%, significantly outpacing the growth of median household income. The Consumer Price Index and Personal Consumption Expenditures indexes do not fully capture the rapid growth in&nbsp;homeowners&nbsp;insurance premiums, which has increased by 62% compared to just 5% reflected in the CPI over the same period.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurers project future inflation when setting rates, so today\u2019s premiums already reflect expectations about repair and medical cost trends over the next 12\u201324 months.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Higher claims payouts and operating costs due to inflation have led insurance companies to raise premiums, with the cost of construction materials and labor significantly&nbsp;impacting&nbsp;property and casualty insurance rates.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Car Insurance Has Gotten So Expensive Since 2020&nbsp;<\/h2>\n\n\n\n<p>Several overlapping trends since 2020 explain the surge in insurance premiums. Nationally, insurance premiums rose 62 percent between 2019 and 2024, with some states experiencing even larger increases, such as 90 percent in Utah.&nbsp;<\/p>\n\n\n\n<p><strong>Vehicle prices skyrocketed.<\/strong>&nbsp;New vehicle transaction prices rose 25\u201330% from 2020 to 2024. Used cars jumped 40\u201350% during peak shortages. More expensive cars mean higher payouts when vehicles are totaled.&nbsp;<\/p>\n\n\n\n<p><strong>Parts became scarce and costly.<\/strong>&nbsp;Supply chain disruptions from microchip shortages delayed parts by 4\u201312 weeks&nbsp;into 2025. OEM parts with sensors and electronics pushed repair bills from $800 to $3,000+ for what used to be minor damage.&nbsp;<\/p>\n\n\n\n<p><strong>Labor shortages drove up rates.<\/strong>&nbsp;Auto body shops face technician shortages, with repair labor now averaging $50\u2013$60\/hour nationally, up from $40 pre-2020. Only 20\u201330% of shops are certified to handle ADAS repairs.&nbsp;<\/p>\n\n\n\n<p><strong>Medical costs surged.<\/strong>&nbsp;Emergency room visits now run $2,500\u2013$4,000 (up from $1,800). MRIs cost $1,500\u2013$3,000. Medical inflation exceeds 5\u20137% annually, pushing bodily injury claim severity to $25,000\u2013$30,000 average.&nbsp;<\/p>\n\n\n\n<p><strong>Accident&nbsp;frequency rebounded.<\/strong>&nbsp;Vehicle miles traveled increased 10\u201315% by 2024. Distracted driving rose 20%, and speeding fatalities hit record highs\u2014all reflected in higher claim frequency.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vehicle Repairs, Parts, and Technology: The Hidden Inflation Problem&nbsp;<\/h2>\n\n\n\n<p>Modern vehicles are safer but far more expensive to fix. This amplifies the impact of rising inflation on car insurance rates.&nbsp;<\/p>\n\n\n\n<p>Bumpers, windshields, and mirrors now&nbsp;contain&nbsp;cameras, radar, and parking sensors. A traditional bumper replacement pre-2020 cost $800\u2013$1,200. By 2026, ADAS-equipped bumpers with calibration requirements run $3,000\u2013$6,000.&nbsp;<\/p>\n\n\n\n<p>The cost of car insurance depends on the car\u2019s value, repair costs, engine size, theft rate, and safety features. Vehicles with advanced driver&nbsp;assistance&nbsp;systems require specialized facilities and certified technicians, shrinking the pool of qualified shops and increasing labor rates.&nbsp;<\/p>\n\n\n\n<p>Because collision and comprehensive coverage protect your own vehicle, the rising cost of high-tech repairs feeds directly into higher premiums for those coverages. Electric vehicles add another layer\u2014battery packs worth $15,000\u2013$20,000 can be damaged in minor collisions.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"666\" src=\"https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2.jpg\" alt=\"Rising car insurance rates illustrated by a red car climbing stacks of coins with an upward arrow and percentage symbol.\" class=\"wp-image-2485\" style=\"width:754px;height:auto\" srcset=\"https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2.jpg 1000w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-300x200.jpg 300w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-768x511.jpg 768w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-721x480.jpg 721w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-240x160.jpg 240w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-480x320.jpg 480w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-180x120.jpg 180w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-60x40.jpg 60w, https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-1-2-210x140.jpg 210w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Medical Costs, Accident Severity, and Liability Claims&nbsp;<\/h2>\n\n\n\n<p>Liability coverage\u2014paying for injuries and property damage you cause to others\u2014has been heavily&nbsp;impacted&nbsp;by high inflation in medical services.&nbsp;<\/p>\n\n\n\n<p>Emergency care, ambulance rides (up 20\u201325%),&nbsp;surgeries, and rehabilitation have seen price increases well above the general inflation rate. A typical soft-tissue injury claim averaged $8,500 in 2019. By 2024, similar claims hit $15,200\u2014reflecting higher bills from hospitals, specialists, and physical therapists.&nbsp;<\/p>\n\n\n\n<p>Courts and juries in some states have awarded larger verdicts (\u201csocial inflation\u201d), with plaintiffs\u2019 attorneys&nbsp;leveraging&nbsp;nuclear verdicts over $10 million. These legal costs affect liability portions of premiums nationwide, even for drivers who have never filed a claim, because insurers spread risk across the entire pool of policyholders.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Insurers Set Car Insurance Rates (and What Matters Most)&nbsp;<\/h2>\n\n\n\n<p>While inflation and claim trends set the baseline, individual factors&nbsp;determine&nbsp;each driver\u2019s premium. Car insurance rates are&nbsp;determined&nbsp;by insurers assessing risk using algorithms that evaluate driving history, vehicle type, location, and demographic profile. Insurers use state-regulated algorithms to analyze risk factors and calculate personalized premiums.&nbsp;<\/p>\n\n\n\n<p>Major rating factors include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Driving record:<\/strong>&nbsp;Past accidents, traffic violations, and&nbsp;previous&nbsp;claims are the most significant factors affecting car insurance rates.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Location:<\/strong>&nbsp;Insurance rates often reflect local theft rates, vandalism, repair costs, and frequency of accidents,&nbsp;determined&nbsp;by ZIP code.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vehicle type:<\/strong>&nbsp;Value, repair complexity, and safety ratings influence premiums.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit score:<\/strong>&nbsp;In many areas, insurance companies use credit-based insurance scores to predict the likelihood of future claims.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Demographics:<\/strong>&nbsp;Factors such as age, gender, and marital status affect car insurance rates, as insurers associate different demographics with varying levels of risk.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mileage:<\/strong>&nbsp;Mileage and usage patterns, such as daily commuting, can increase accident risks and raise premiums.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Higher risk factors lead to higher premiums, influenced by accidents, age, credit score, and coverage choices. Non-standard drivers with at-fault accidents or coverage gaps may see outsized rate increases when overall costs rise.&nbsp;<\/p>\n\n\n\n<p>Regulators in each state review and approve rate changes\u2014insurers cannot raise prices without actuarial justification.&nbsp;Rates typically update annually at renewal.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Practical Ways to Lower Your Car Insurance Costs in 2026&nbsp;<\/h2>\n\n\n\n<p>You cannot control inflation or industry-wide cost trends. But you can control several personal factors to reduce your premium.&nbsp;<\/p>\n\n\n\n<p><strong>Adjust deductibles wisely.<\/strong>&nbsp;One effective way to reduce insurance premiums is to increase your&nbsp;deductible, which can lower your monthly payments significantly. Just ensure you can afford the deductible in an emergency.&nbsp;<\/p>\n\n\n\n<p><strong>Bundle policies.<\/strong>&nbsp;<a href=\"https:\/\/www.acceptance.com\/blog\/bundling-auto-home-insurance-saves-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bundling multiple insurance policies<\/a>, such as auto and home insurance, with the same provider can lead to discounts and lower overall premiums\u2014typically 15\u201325% savings.&nbsp;<\/p>\n\n\n\n<p><strong>Claim available discounts.<\/strong>&nbsp;Safe&nbsp;driver discounts&nbsp;are common, rewarding clean driving records with lower premiums. Taking advantage of available discounts, such as&nbsp;<a href=\"https:\/\/www.acceptance.com\/blog\/good-student-discounts-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">good student&nbsp;discounts<\/a>&nbsp;or discounts for completing defensive driving courses, can also help reduce insurance costs. Some insurers provide discounts for&nbsp;purchasing&nbsp;policies online. Discounts may be available through affinity groups related to employers, schools, or professional organizations.&nbsp;<\/p>\n\n\n\n<p><strong>Improve driving habits.<\/strong>&nbsp;Avoiding speeding and distracted driving builds a clean record over 12\u201336 months, significantly reducing rates for non-standard drivers.&nbsp;<\/p>\n\n\n\n<p><strong>Shop around regularly.<\/strong>&nbsp;Shopping around for insurance quotes from multiple providers can help consumers find better rates and potentially lower their premiums. The most effective way to find affordable car insurance is to gather quotes from at least three to five different providers for&nbsp;accurate&nbsp;comparisons.&nbsp;To compare car insurance rates effectively, it is recommended to gather at least three quotes every six to 12 months.&nbsp;Comparison platforms provide instant side-by-side quotes from multiple companies, enhancing the process of finding affordable auto insurance.&nbsp;<\/p>\n\n\n\n<p><strong>Maintain continuous coverage.<\/strong>&nbsp;Avoiding lapses prevents being reclassified as higher risk\u2014critical for drivers with&nbsp;previous&nbsp;gaps.&nbsp;<\/p>\n\n\n\n<p><strong>Protect your credit.<\/strong>&nbsp;Maintaining&nbsp;a good credit score can positively&nbsp;impact&nbsp;insurance premiums, as many insurers use credit information to&nbsp;determine&nbsp;rates.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Acceptance Insurance Helps High-Risk and Budget-Conscious Drivers&nbsp;<\/h2>\n\n\n\n<p>Acceptance Insurance specializes in helping drivers find affordable coverage, even if they have accidents, violations, SR-22 requirements, or&nbsp;previous&nbsp;lapses in coverage. As a licensed insurance agency with more than 300 locations nationwide, we offer auto, homeowners, renters, business, and health insurance solutions tailored to your needs.&nbsp;<\/p>\n\n\n\n<p>Our independent agents work with multiple insurance carriers to compare options and help you find the right balance of protection and affordability. Whether&nbsp;you&#8217;re&nbsp;looking for basic liability coverage, need to meet state filing requirements, or want more comprehensive protection, we can help you explore coverage options that fit your budget.&nbsp;<\/p>\n\n\n\n<p>We also offer flexible payment options, including low down payments and convenient monthly&nbsp;plans where&nbsp;available. Our agents can review your current policy,&nbsp;identify&nbsp;potential savings opportunities, and help ensure you&nbsp;maintain&nbsp;essential protections such as liability and uninsured motorist coverage.&nbsp;<\/p>\n\n\n\n<p>Ready to explore your options? Call us at&nbsp;<a href=\"tel:877-405-7102\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>877<\/strong><\/a><strong><\/strong>\u2011<strong>405<\/strong>\u2011<strong>7102<\/strong>&nbsp;or visit one of&nbsp;<a href=\"https:\/\/locations.acceptance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>our locations<\/strong><\/a>&nbsp;near you or get a&nbsp;<a href=\"https:\/\/www.acceptance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>quick quote online<\/strong><\/a>.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions About Rising Car Insurance Rates&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Are car insurance premiums keeping pace with the overall inflation rate?&nbsp;<\/h3>\n\n\n\n<p>In recent years, auto insurance premium increases have outpaced the headline inflation rate because claim costs for repairs, vehicles, and medical care have risen faster than average consumer prices. While core inflation has eased toward the mid-3% range by 2026, insurers are still catching up to several years of elevated loss trends. This lag can make rate hikes feel worse just as general inflation starts to cool.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Will car insurance rates go back down if inflation falls?&nbsp;<\/h3>\n\n\n\n<p>If inflation and claim severity both decline for a sustained period, some insurers may file for smaller rate increases or selective reductions. In practice, rates tend to stabilize rather than drop sharply because underlying costs\u2014vehicle technology and medical treatment\u2014rarely return to&nbsp;previous&nbsp;price levels. The most reliable way to lower your premium is improving personal risk factors and shopping for competitive coverage.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why did my premium increase even though I have a clean driving record?&nbsp;<\/h3>\n\n\n\n<p>Insurers base pricing on their entire pool of drivers. If claim costs in your area spike due to thefts, weather events like natural disasters, or severe accidents, everyone\u2019s premiums can rise. Updated inflation assumptions, higher reinsurance costs, and regulatory-approved statewide increases also affect renewals. Request a policy review with an Acceptance Insurance agent to explore discounts or alternative carriers.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is dropping comprehensive and collision coverage&nbsp;a good way&nbsp;to save money?&nbsp;<\/h3>\n\n\n\n<p>Removing these coverages lowers premiums but leaves your vehicle unprotected against damage, theft, and other losses. Evaluate your car\u2019s current value, any outstanding loan balance, and your ability to pay for repairs out of pocket. Consider higher deductibles as a safer first step than&nbsp;eliminating&nbsp;physical damage coverage entirely, especially for financed vehicles.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How often should I shop for a new car insurance quote?&nbsp;<\/h3>\n\n\n\n<p>Review rates at least once a year or whenever you experience major life changes\u2014moving, adding vehicles, paying off a loan, or seeing&nbsp;substantial&nbsp;rate increases at renewal. Drivers who have recently improved their record may&nbsp;benefit&nbsp;from more frequent quote checks as they move out of higher-risk tiers. Contact Acceptance Insurance whenever circumstances change to compare updated options.&nbsp;<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance&nbsp;costs&nbsp;have increased significantly over the past several years as vehicle repairs, medical expenses, and replacement costs continue to climb. Understanding&nbsp;what\u2019s&nbsp;driving these rate increases can help you make smarter coverage decisions and&nbsp;identify&nbsp;opportunities to save. In this guide, we break down the key factors affecting auto insurance premiums in 2026 and share practical ways to keep [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":2484,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"acf":[],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/acceptance.com\/how-inflation-is-affecting-car-insurance-rates\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Car Insurance Rates in 2026: Why Costs Are Rising and How to Save\u00a0","url":"http:\/\/www.acceptance.com\/blog\/how-inflation-is-affecting-car-insurance-rates\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.acceptance.com\/blog\/how-inflation-is-affecting-car-insurance-rates\/"},"thumbnailUrl":"https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-2-150x150.jpg","image":{"@type":"ImageObject","url":"https:\/\/www.acceptance.com\/blog\/wp-content\/uploads\/sites\/2\/2026\/07\/acceptance-car-insurance-rates-2.jpg"},"articleSection":"Auto Insurance","author":[{"@type":"Person","name":"Ashley Walrath"}],"creator":["Ashley Walrath"],"publisher":{"@type":"Organization","name":"Acceptance Insurance Blog","logo":""},"keywords":[],"dateCreated":"2026-07-06T13:15:58Z","datePublished":"2026-07-06T13:15:58Z","dateModified":"2026-07-06T13:16:00Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Car Insurance Rates in 2026: Why Costs Are Rising and How to Save\\u00a0\",\"url\":\"http:\\\/\\\/www.acceptance.com\\\/blog\\\/how-inflation-is-affecting-car-insurance-rates\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.acceptance.com\\\/blog\\\/how-inflation-is-affecting-car-insurance-rates\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acceptance.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/07\\\/acceptance-car-insurance-rates-2-150x150.jpg\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.acceptance.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2026\\\/07\\\/acceptance-car-insurance-rates-2.jpg\"},\"articleSection\":\"Auto Insurance\",\"author\":[{\"@type\":\"Person\",\"name\":\"Ashley Walrath\"}],\"creator\":[\"Ashley Walrath\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Acceptance Insurance Blog\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2026-07-06T13:15:58Z\",\"datePublished\":\"2026-07-06T13:15:58Z\",\"dateModified\":\"2026-07-06T13:16:00Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/acceptance.com\/p.js"},"_links":{"self":[{"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/posts\/2478","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/comments?post=2478"}],"version-history":[{"count":4,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/posts\/2478\/revisions"}],"predecessor-version":[{"id":2486,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/posts\/2478\/revisions\/2486"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/media\/2484"}],"wp:attachment":[{"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/media?parent=2478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/categories?post=2478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acceptance.com\/blog\/wp-json\/wp\/v2\/tags?post=2478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}