So I work for a major insurance company, and though I'm not involved in the "insurance" aspect of it, it's been said during large corporate-like meetings that the reason is that vehicle during the pandemic were going a lot faster, probably because of less vehicles. My understanding from the people who sell auto insurance is that less cars yields more intensive accidents, albeit if fewer. Interestingly enough the numbers work out that car insurance payouts have been a lot less profitable during the pandemic because of it, because the crashes are more damaging.

That's hiw I understood it from the guys who's job it is to make money by selling auto insurance anyways.