While inflation, for the most part, is coming down, prices in one sector are growing six times faster than most: car insurance.It's a reality many drivers are still grappling with. According to government data, the price of car insurance went up more than 20% last year, while another study found that the average American is spending over $2,500 a year on car insurance.Insurance experts point to the pandemic, which led to more distracted and speeding drivers."People picked up some really bad driving habits," said Sean Kevelighan from the Insurance Information Institute. "You can see a spike in auto insurance in terms of physical damage as well as liability damage after COVID."Drivers in Florida and Louisiana are paying the largest shares of their income towards insurance. Louisiana's Department of Insurance says it's backing a broad package of legislation to attract more insurers and stabilize rates in the state.Meanwhile, Florida's insurance commissioner agrees that more frequent natural disasters in the state are causing higher premiums and points to reforms made to discourage auto insurance lawsuits.Researchers believe post-pandemic car insurance rates have peaked, and prices will settle later this year or in 2025, but it's unlikely they'll return to pre-pandemic levels.