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A mulitude of reasons keep sending car insurance rates higher

By Dieter Holger of ConsumerAffairs
February 3, 2025

Car insurance rates are rising again in 2025 and some states are worse off.

The yearly cost for full-coverage auto insurance isexpected to rise an average of 5% across the United States by the end of 2025 from 2024, according to researchby insurance comparison site Insurify, based on a review of more than 97 million rateson its platform.

That is an average yearly price of $2,435 pervehicle in 2025, up from $2,313 in 2024 and $2,019 in 2023.

Car insurance rates have shot up since 2022, boosted by inflation, natural disasters, higher repair costs and increasingly expensive technology such as cameras, sensors and automated driving.

The last time average rates for full-coverage auto insurance fell was in 2020, Insurify said, largely due to less driving because of the coronavirus pandemic.

Consumer News: Car insurance rates rising as much as 10% in states in 2025, research says

Still, the projected 5% rate increase is far lower than the nearly 15% spike in 2024 from 2023.

Insurify predicted a 22% increase in car insurance rates in 2024 from 2023, ConsumerAffairspreviously reported, which shows how these projectionscan be off.

Even so,Insurify said 13 states are expected to see rates rise higher than the national average in 2025.

Insurify said the five states it predicts to see the biggest car insurance rate increases in 2025 are Florida, New York, Georgia, Nevada and Delaware, where driverscould see average pricesrise by up to 10%.

Consumer News: Car insurance rates rising as much as 10% in states in 2025, research says

Florida

  • Projected average annual cost for full-coverage auto insuranceby end of2025:$3,484
  • Projected percentincrease in 2025 versus 2024:10%

Drivers in Florida paid $3,166, or 35% more than the national average for full-coverage auto insurance at the end2024, Insurify said.

Financial losses in 2022 "sent Floridas struggling insurance market into a tailspin," Insurify said,spurring an insurance crisis today that is hurting both homeowners and car owners.

New York

  • Projected average annual cost for full-coverage auto insuranceby end of2025:$4,183
  • Projected percentincrease in 2025 versus 2024:10%

New York has long had higher car insurance rates because of its dense population, which raises the risks of accidents and losses for insurers, Insurify said.

Recent regulations have pressured insurers, but may also bring some relief.

In 2023, New York required insurers to provide supplemental liability coverage for spouses, which Insurify said has added to the financial burden on insurers.

On the other hand, the state's 2024 Auto Insurance Consumer Relief Act waives a vehicle photo inspection requirement, which previously suspended coverage for drivers who didn't meet the 14 day deadline.

"The new policy could reduce New Yorks share of uninsured motorists, which could reduce rates in the state, as a high rate of uninsured drivers can put upward pressure on premiums," Insurify said.

Georgia

  • Projected average annual cost for full-coverage auto insuranceby end of2025:$3,052
  • Projected percentincrease in 2025 versus 2024:8%

Georgia's average costs for full-coverage auto insurance were $2,815 at the end of 2024, or 22% above the national average, Insurify said.

But there may be relief on the way: In 2023, Georgia ended a policy that let insurers raise rates immediately after filing.

Now, the state's uinsurance commissioner has 60 days to review rate filings, which Insurify said "helps curb exorbitant rate hikes."

Nevada

  • Projected average annual cost for full-coverage auto insuranceby end of2025:$3,214
  • Projected percentincrease in 2025 versus 2024:8%

Nevada drivers paid an average of $2,973 for full-coverage auto insuranceat the end of 2024, or 29% higher than the national average, Insurify said.

Rampant theft is abig reason for the state's eye-watering car insurance rates.

Car theft in Nevada surged 18% in 2023, according to the National Insurance Crime Bureau.

"Insurers consider vehicle theft risk when determining insurance rates, pushing up full-coverage costs in the state," Insurify said.

Delaware

  • Projected average annual cost for full-coverage auto insuranceby end of2025:$3,308
  • Projected percentincrease in 2025 versus 2024:7%

Nevada drivers paid an average of $3,078for full-coverage auto insuranceat the end of 2024, or 33% higher than the national average, Insurify said.

The state's dense population raises the risks of accidents and the car insurance rates, Insurify said.

Delaware also "doesnt cap pain and suffering damages, which means insurer payouts in the state may be higher for severe or fatal accidents. Insurers also consider these losses when setting rates," Insurify said.

Where are car insurance rates falling?

New Hampshire, Vermont and Hawaii are the only threestates where average car insurance prices are expected to fall, but only by as much as 2%.

Data on Alaska wasn't available because of a limited pool of rates to compare.

Below is a table on car insurance costs by state with 2025's projections and recent years.

Consumer News: Car insurance rates rising as much as 10% in states in 2025, research says

How to save money on car insurance

Insurance experts say there are many ways to bring your auto insurance costs down and decide onthe best car insurance company.

  • Shop around:If you have the time, spend up to a couple hours plugging in your information at various providers to make sure you get many quotes to compare. You can also use websites to quickly compare prices, such as Insurify,The ZebraandValue Penguin.

  • Speak with insurance agents:An agent might know about current deals and smaller, cheaper companies that arent as well known.

  • Bundle insurance:You can get discounts for combining your auto insurance with other insurance like homeowners, renters and motorcycle insurance.

  • Improve your credit:Check for errors in your credit score and pay off debt.

  • Pay-as-you go:A lot of insurers will slash premiums based on how much you drive, which is especially helpful if you work from home.

  • Pay in full:Some insurers give discounts if you pay your premium in full, including in six-month installments, instead of monthly.

  • Telematics:If you are comfortable with your data getting collected, you can plug in a device in your car or download an app on your phone that watches your driving behavior and calculates your insurance premium, such as if you speed or you slam on the brakes a lot. Telematics can significantly lower costs if you are a good driver.

  • Bare-bones coverage:This makes more sense for older, less valuable cars. It is risky, but you can opt only for liability coverage if you damage another persons vehicle, instead of additional coverage if you damage your car or it is stolen.

  • Miscellaneous discounts:Some insurers give discounts if teenagers have good grades, you are a member of the military, have an anti-theft device on your car or if you have a paperless insurance policy.

Email Dieter Holger at This email address is being protected from spambots. You need JavaScript enabled to view it..



Photo Credit: Consumer Affairs News Department Images


Posted: 2025-02-03 00:28:53

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New trend report shows workers are rethinking careers, pushing back on office mandates, and demanding more flexibility

By Kristen Dalli of ConsumerAffairs
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  • Flexibility now outranks pay for most workers, with 85% valuing remote options more than salary and nearly 70% willing to take a pay cut to work remotely.

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If youve been wondering whether the remote-work conversation is cooling off, FlexJobs new Remote Work Trends Report for 2026 makes one thing clear: not even close.

In fact, the appetite for flexibility is only getting stronger and its reshaping how Americans think about their jobs, careers, and even their well-being.

According to the report, 85% of people now rank remote work above salary when weighing job offers. Many are even willing to change careers entirely to find more balance, with nearly 7 in 10 saying theyve made or seriously considered a field switch in the past year.

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ConsumerAffairs interviewed Keith Spencer, Career Expert at FlexJobs, to learn more about what workplace trends are shaping up to be in the new year.

Challenges to RTO mandates

Many companies are enforcing return-to-office (RTO) mandates. However, these findings from FlexJobs highlight that this may not be the best choice.

Spencer explained that 98% of working professionals prefer either fully remote or hybrid arrangements, highlighting a clear shift away from traditional in-person work.

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Flexibility is a priority

Considering nearly 70% of workers would accept a lower salary to work remotely, the findings from this report highlight the importance of flexibility for todays workers.

Its difficult to put a price on flexibility, especially for younger workers who may feel stuck or anxious about their place in the workforce, or for working parents who rely on it as a key part of their support system, Spencer said.

Remote, hybrid, and flexible work arrangements can reduce stress and boost overall mental well-being by promoting a healthier work-life balance, often delivering more value than increased compensation. On top of that, working remotely can save employees a significant amount of money, which helps explain why many are even willing to accept a pay cut for the benefits it provides.

Soft retirement

Looking ahead to 2026, Spencer believes soft retirement is a trend to watch in the employment space.

By offering flexible, low-commitment positions that combine in-person and virtual work, companies can retain senior experts longer, preserve decades of institutional knowledge, and help transfer skills to younger employees, bridging critical talent gaps in specialized roles, he said.

This approach also supports the financial stability of retirees, many of whom are looking for ways to supplement their fixed retirement income.


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A retail expert shares smart strategies for snagging meaningful gifts before shipping cutoffs hit

By Kristen Dalli of ConsumerAffairs
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  • Rushed shopping leads to overspending Convenience fees, impulse buys, and skipped price checks can quickly blow your budget.

  • Real deals are still available Retailers keep strong promotions on toys, beauty, winter apparel, and home gifts throughout December.

  • A simple plan goes a long way Compare prices, stack savings, and use digital gifts or same-day pickup to stay in control, even at the last minute.


The final countdown to the holidays is officially on and if youre still hunting for gifts, youre far from alone.

Shipping deadlines are coming up fast, stores are getting crowded, and the pressure to grab something (anything!) can make it easy to overspend.

However, last-minute shopping doesnt have to mean blowing your budget or settling for gifts that miss the mark.

ConsumerAffairs interviewed RetailMeNots Retail Insights Expert, Stephanie Carls to learn how consumers can stretch their dollars, avoid common last-minute traps, and still pick up thoughtful presents right up until the final hours of the season.

Avoid spending traps

While time may be running out, that doesnt mean youre out of options. Carls encourages last-minute shoppers not to count themselves out just yet.

When people feel rushed, they stop comparing prices and click the first thing with a fast-shipping badge, she said. Thats when overspending wins. Rush fees, convenience charges, and impulse add-ons stack up quickly, and shoppers dont realize how much theyre paying for the feeling of I just need this done.

Last-minute shopping isnt the issue. Its when people stop shopping and start settling.

Last-minute deals still exist

Not only should you not give up on the possibility of finding thoughtful gifts this year, but Carls is emphasizing that you can still find deals, too.

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These tend to carry solid promotions all the way through December, including discounts that echo earlier holiday pricing. December used to just be a time to shop after Black Friday, now its where the sleeper savings show up!

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Though it may feel like you have no time left, Carls encourages shoppers to have the same game plan going into last-minute shopping as you would at the beginning of the holiday shopping season.

Last-minute shopping doesnt have to feel out of control, Carls said. You just need a plan even a loose one. Compare prices, stack your savings, and dont assume the best deals are behind you, because retailers know shoppers arent finished yet.

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Officials set higher bar for additional cuts

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Rare three-way split underscores internal debate over inflation vs. jobs
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Federal Reserve officials lowered interest rates for the third consecutive meeting on Wednesday, but signaled theyre in no hurry to cut further as divisions widen inside the central bank over what poses the bigger threat stubborn inflation or a weakening job market.

The policy committee voted 93 to approve a quarter-point reduction in the benchmark federal-funds rate, bringing it to a range of 3.5% to 3.75%, its lowest level in three years. It marked the first time since 2018 that three officials dissented on a single rate decision, highlighting the challenge of navigating an economy showing mixed signals.

The action should make home mortgages a bit more affordable. Home affordability has been improving latelyas home prices dip in some markets and mortgage rates continue to fall closer to the 6% level. Freddie Mac reported its latest Primary Mortgage Market Survey showedthe 30-year fixed-rate mortgage (FRM) averaged 6.19% last week.

Mortgage rates decreased for the second straight week as we emerged from the Thanksgiving holiday, said Sam Khater, Freddie Macs chief economist. Compared to this time last year, mortgage rates are half a percent lower, creating a more favorable environment for homebuyers and homeowners.

Three dissenters highlight conflicting priorities

Chicago Fed President Austan Goolsbee and Kansas City Fed President Jeff Schmid argued the rate cut wasnt justified, pointing to stalled progress on inflation. Fed governor Stephen Miran, however, wanted a more aggressive move, favoring a half-point reduction to guard more forcefully against a slowdown in hiring.

The unusually split vote underscored a broader debate within the central bank: whether to keep pressure on inflation that has stopped easing or move more decisively to support a labor market showing early signs of cooling.

Officials set higher bar for additional cuts

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With inflation no longer improving and hiring softening only gradually, policymakers suggested they need clearer evidence of labor-market deterioration before taking rates lower again.

Outlook: cautious path ahead

The Feds calibrated message signals a central bank attempting to balance two risks at once: cutting too little and allowing a jobs downturn to accelerate, or cutting too much and allowing inflation pressures to reignite. For now, officials appear content to pause and watch incoming data, even as internal disagreements make the next steps less predictable.


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Drivers face uncertainty amid shrinking bonuses
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For years, Uber offered thousands of dollars in bonuses to drivers who purchased or leased electric vehicles. But those incentives proved costly, and internal spending fell short of the companys own targets. Uber is now discontinuing many of these payments, leaving drivers who had counted on them facing new financial uncertainty.

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The shift comes against a backdrop of nationwide EV headwinds: cooling demand, higher interest rates, and slower charging-infrastructure buildout. With the market softening, Uber is reevaluating how aggressively it can push EV adoption among independent drivers already struggling with high vehicle costs.

Rather than funding individual EV purchases, Uber is steering more of its electrification investment toward partnerships with autonomous-vehicle companies. The company has signaled it will rely increasingly on electric robotaxis developed with partners such as Nuro and Lucid, betting that dedicated fleets will deliver emissions reductions faster and more predictably than incentives for its distributed driver base.

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Uber has committed to becoming a zero-emission platform in the U.S., Canada, and Europe by 2030. Cutting EV incentives raises questions about whether it can meet those goals, especially if driver adoption slows. The company maintains that autonomous electric fleets will help keep it on track, but critics say the transition may now require more aggressive regulatory or industry pressure.


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Consumer News: How to send your Amazon driver a $5 tip in seconds (without spending a dime)
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Reward the person working hard to get your packages delivered this holiday

By Kyle James of ConsumerAffairs
December 10, 2025
  • Say Alexa, thank my driver on any Alexa device or in the Alexa app, or type thank my driver in the Amazon search bar to trigger the $5 tip

  • Amazon sends $5 (from Amazon, not you) to the driver from your most recent U.S. delivery made within the last 14 days, one thank you per delivery

  • You cant undo a thank my driver, and order problems (missing or damaged items) still need to be handled through Your Orders, not this feature


Amazon quietly launched a little feature that lets you actually send money to the person who drops boxes on your porch all year. This is a limited time thing that Amazon launched specifically for this years busy holiday season.

Every time you use Thank My Driver the right way, your driver gets $5 from Amazon, at no cost to you. Its Amazons way of letting customers show appreciation and also connecting drivers with the people they serve.

How to thank your driver in 10 seconds

Photo

Youve got a couple easy ways to trigger the thank you on the Amazon platform:

1. Use Alexa

Say: Alexa, thank my driver.

This can be said to any Alexa-enabled device connected to your Amazon account or through the Alexa app on your phone.

Alexa will send the thank you to the driver who delivered your most recent package (as long as it was delivered within the last 14 days).

2. Use the Amazon app or website

You can also simply open the Amazon app or go to Amazon in your browser.

In the search bar, type: thank my driver.

Then just follow the prompt, and it will thank the driver for your most recent delivery and give them $5.

Thats it, Amazon has kept it really simple. No order number, no form, nothing complicated.

Who can you thank (and how often)?

A few basics so you know how it works behind the scenes:

Which drivers are eligible?

Any driver who delivers Amazon packages in the United States can receive a thank you.

Which delivery gets the thank you?

The thank you goes to the driver who handled your most recent delivery, and that delivery has to be within the last 14 days.

Can you thank the same delivery more than once?

You can say thank my driver multiple times for the same delivery, but the system will only count one thank you per delivery for that driver.

So, if you really loved your last driver, you can talk about it all you want, but theyll receive one official thank you for that stop. Your best option is to wait until their next delivery andthank them again and theyll get another $5 added to their paycheck.

No Echo? No smartphone? You still have options

You dont need a house full of smart speakers to use this feature.

If you dont own an Echo device:

Just can use the Alexa app on your smartphone:

  • Open the Alexa app
  • Tap the Alexa button
  • Say, Alexa, thank my driver.

If you dont own a smartphone at all you can still participate:

  • Go to amazon.com on a computer
  • Type thank my driver in the search bar and follow the prompts

The bottom line is thisif you can get to the Amazon website, you can thank your driver.

What if something went wrong with your order?

Thank my driver cant be undone once youve initiated it, and keep in mind that its not meant for complaints.

If you have an issue with your order (missing item, damaged box, wrong product), go to Your Orders on Amazon and use the normal feedback and support options there.


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