Somehow i always paid an invisible amount for my insurance (even after having one accident where i was at fault, and drunk). And yet local insurance companies s

Somehow i always paid an invisible amount for my insurance (even after having one accident where i was at fault, and drunk). And yet local insurance companies seems to be making ends meet easily. I don't know what is the problem there. Maybe because it's not the USA? Why is this only a problem in Anglosphere (yes i heard in UK it is about as bad - and their healthcare is socialised, so it's not because of healthcare)?