Across the United States, the cost of car insurance is up 19% compared to a year ago, according to August’s Consumer Price Index report released on Wednesday.

But in Florida, where extreme weather episodes are becoming more prevalent and destructive, the cost is even greater. Consequently, insurance companies have to pay out more claims as a result of these events, resulting in higher losses. As a result, they are raising rates – or, in some cases, leaving states that are prone to extreme weather, according to Insurify, an insurance comparison website.

A lot of that is being experienced first-hand by Kyle Barone.

The average car insurance premium for Barone, 26, was $140 per month in 2020. As a result of getting a new Volvo sedan in 2021, his monthly rate increased slightly to $170. The next increase for Barone, who lives in Jacksonville, Florida, came in February, when USAA informed him his rate would be rising to $226 a month. After that, USAA raised his rate to $278 per month last month.

If he didn’t lower his liability coverage and increase his deductible, his rate would have been at least $50 a month higher.

He’s not the only driver facing this problem. Barone said his dad, who also has USAA auto insurance, but lives in Tampa, saw his rate almost double from $245 to $409 a month six months ago.