[MaKey]

How come car insurance is so expensive in the US? In Europe it's vastly cheaper and the policies themselves are much better.

[Retric]

I don't know the exact calculations but people in Europe have nationalized healthcare, more easily lose their license, drive less, and generally have smaller and cheaper vehicles.

[lozenge]

Well traffic deaths per capita are about double in the US so that probably carries over to other insurance-triggering incidents.