"Please."
Unfortunately there isn't enough information to provide any insight here. Without knowing what issue you answered and what option you selected, and waiting until a "month-ish" after it happened so it isn't easily identifiable in your recent history, it isn't readily possible to look into specifics. There are more than a dozen ways to ban cars, and each option where that happens would have its own additional implications, which in turn might affect any given nation differently. Is there a reason why insurance went up? No doubt there is, but sadly we're not in a position to discern details and verify anything without being given at least something to work with.