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State Rules guides
California car insurance: costs, Prop 103 and the 2025 minimumsHow Proposition 103 shapes California car insurance prices, what the 30/60/15 minimums since 2025 mean, and where California ranks on cost.California Proposition 103 explainedWhat California's 1988 Prop 103 did: the 20% rollback, prior approval of rates, the Good Driver Discount, ranked rating factors and paid consumer intervenors.Choice no-fault: New Jersey, Pennsylvania and KentuckyHow New Jersey, Pennsylvania and Kentucky let drivers trade the right to sue for a lower premium, what each default is, and how to choose.Comparative vs contributory negligenceHow states split blame for a crash, from contributory negligence to pure and modified comparative fault, with a state-by-state list and worked examples.Credit-based insurance scores and car insuranceHow insurers use credit-based insurance scores to price car insurance, which states ban or limit it, and your rights under federal and state law.FR-44 insurance in Florida and VirginiaFR-44 filings prove higher liability limits after a DUI in Florida (100/300/50 for three years) and Virginia (double the minimums), unlike an SR-22.How fault is determined in a car accidentHow adjusters assign fault using traffic laws and evidence, how shared-fault rules change what you collect, and how to dispute a fault decision.Points on your license and your insuranceDMV license points and insurance surcharges are separate systems. How each works, with state examples, and what point reduction courses do and don't fix.State low-cost auto insurance programsWhich states run low-cost car insurance programs, who qualifies for California's CLCA and New Jersey's dollar-a-day SAIP, and what to do if your state has none.Why Michigan car insurance costs what it doesMichigan's no-fault system, unlimited PIP and MCCA fee made it one of the costliest states. What the 2019 reform changed and the choices that set your price.Michigan's no-fault reform explainedWhat Michigan's 2019 auto insurance law changed: PIP choice levels, a Medicare-based medical fee schedule, a smaller MCCA fee and limits on rating factors.No-fault vs at-fault statesHow no-fault and at-fault systems differ, which states use each, the lawsuit thresholds in no-fault states, and what it means for your claim.Personal injury protection (PIP) explainedPIP pays your medical bills and lost income after a crash no matter who caused it. Which states require it, how much they require and how claims work.Proof of insurance laws and digital ID cardsWhen you must show proof of car insurance, which states accept a digital card on your phone, what police may see on your device, and how to fix a ticket.SR-22 insurance explainedAn SR-22 is a certificate your insurer files to prove you carry required liability coverage: who needs one, how long it lasts and what a lapse does.Minimum car insurance requirements by stateMinimum liability limits for all 50 states and D.C. as of October 2026, including the 2025–2026 increases in California, New Jersey, Hawaii and others.