More than 80 percent of drivers have suffered increased insurance premiums because of fraud and criminal activity, says a What Car? poll.
With the figures suggesting an average increase of 33 percent, the magazine has called on the authorities to work harder to halt the causes of the insurance rises.
The Association of British Insurers (ABI) has said the increases are down to three main things: uninsured drivers (who add on average £30 a year to insurance policies), fraudulent claims (£41 a year) and personal injury claim legal fees (£41 a year).
"We're in danger of getting caught in a Catch 22 situation, where insurance premiums rise as a result of insurance fraud, which in turn makes it more tempting to risk driving without insurance," said What Car? magazine editor Jim Holder.
For What Car? the punishment doesn't fit the crime – with young people facing premiums of £2,000 a year, it says that a £200 fine doesn't act as sufficient deterrent.