Car insurers have struggled as driving and accidents have rebounded from pandemic lows. Car owners need to buckle up: Higher premiums are starting to arrive as insurers get state approval for rate increases to offset inflation and an increase in serious crashes. Rates are rising as much as 20% in some locations, as insurers seek increases to compensate for what they believe will be more sustained inflation. Consumers are starting to see the impact when their policies, which typically run for six months, come up for renewal.