Irish drivers, like Michelle from Kildare, are experiencing significant increases in car insurance premiums, with the average premium rising to €655 in the first half of 2025. This increase is attributed to higher repair costs, expensive replacement parts, and a rise in damage claims.

Despite the ban on price walking, which prevents insurers from charging existing customers more than new ones with similar risk profiles, premiums can still rise due to various factors such as inflation and changes in risk assessment.

Drivers are advised to obtain quotes from multiple insurers or brokers to compare coverage options. It's important not to accept the first renewal quote and to consider additional factors like excess, windscreen cover, and optional extras.

If switching insurers, ensure that the new policy is in place before canceling the existing one to avoid any coverage gaps. A 14-day cooling-off period typically allows for cancellation of the new policy if needed.

To avoid last-minute decisions, drivers should set reminders to start comparing quotes well before their renewal date. The Consumer Protection Commission's website offers valuable resources for understanding insurance policies and making informed choices.