A study by Texas Appleseed and the United Way of Greater Houston has found that car insurance prices will increase by 23.8% in 2022 and 25.5% in 2023. As of today, 14.4% of drivers in Harris County are uninsured. The study's authors, Ann Baddour, believe this increase is due to the increasing cost of insurance, which has increased by more than 50% in Texas. They are urging lawmakers to review how auto-insurance prices are determined. Currently, car insurance is more expensive if you're unmarried or live in certain zip codes.