California auto insurance premiums surged 54% in just two years—from $1,738 (Dec 2022) to $2,681 (2024). Prop 103's rate freeze during COVID prevented insurers from adjusting prices for inflation, forcing massive catch-up increases. GEICO closed all California offices. State Farm stopped phone quotes. Progressive halted advertising. Now 4.7 million Californians (17%) drive uninsured because they can't afford coverage.