Auto insurance feels like one of the products inflated slower than it should have; mostly that so may drivers were under insured despite laws requiring insurance, that uninsured motorist insurance became a large part of policies.
Add in cash for clunkers, then pandemic spending on autos. And moving from 4 year to 6 year loans.
Most states don't have road inspections either, so a dangerous tint, bald tires, non existent brakes, broken suspension, and a check engine light likely accompany the underinsured motorist.