"The choice of car is a major cost-driver in terms of what you're going to pay" for insurance, says Jeanne Salvatore, a spokesperson for the Insurance Information Institute.

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Ultimately, these costs are passed on to us all as health care cost growth is the number-one driver of increased federal spending and our deficits.

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Driving imposes a heavier burden of externalities when it is done at rush hour (it adds to delays and is less energy-efficient) so such journeys ought to cost a driver more.

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The cost is borne by the insurer of the "at-fault" driver, but is eventually passed on in the form of higher premiums.

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Yes, the biggest driver of our long-term debt is the rising cost of health care for an aging population.

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Jon Copestake, editor of the survey, cited exchange-rate movements as the main driver for the increases in the cost of living in Australia and Singapore.

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Both parties, for example, agree that the rising cost of caring for an aging generation is the single biggest driver of our long-term deficits.

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