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Rates and Premiums guides
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.Why electric vehicles cost more to insureThe repair, battery and parts costs that push EV premiums up, the theft and safety factors that pull them down, and how to price coverage before you buy.How age, gender and marital status affect car insuranceWhy insurers charge by age, gender and marital status, what crash data shows, and which states ban or limit these factors, verified against state law.How car insurance rates are calculatedHow insurers build a car insurance price: a filed base rate, multiplied by rating factors for driver, car, place and coverage, then adjusted by discounts.How often should you shop for car insurance?Compare car insurance prices at least once a year, a few weeks before renewal, and after any change that affects your rate. Here is when and why.Why your ZIP code changes your car insurance priceInsurers price by rating territory because claim costs vary by place. How territory rating works, which states limit ZIP code pricing, and what moving does.Loss ratios and rate filings: how insurers justify an increaseHow insurers use loss ratios, expense ratios and trend data to justify a rate change, what regulators check, and how to read a filing yourself.Social inflation and nuclear verdicts: how lawsuits raise premiumsSocial inflation is the rise in claim costs from litigation, attorney involvement and big jury awards. What the data shows and how it reaches your premium.Tort reform and car insuranceWhat tort reform changes in car accident cases, the recent laws in Florida, Georgia, Louisiana and New York, and what they mean for your premium and your claim.Why car insurance got more expensive, and where prices stand in 2026Repair costs, injury claims and litigation drove auto premiums up about 55% from late 2020 to 2026. What caused it, and why prices began easing in 2026.Why car repairs cost so much more than they used toThe sensors, materials, bigger vehicles, labor, parts and tariff pressures behind higher repair bills, how they reach premiums, and what you can do.Why your premium went up at renewal with no claimsThe common reasons a car insurance renewal costs more with a clean record, how to tell which one applies to you, and the rules that limit insurers.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.Why Florida car insurance is so expensiveFlorida had the highest average car insurance spending in the U.S. in 2023. Why, what the 2023 tort reform changed, and why rates are now falling.Why Louisiana car insurance is among the priciestLouisiana ranks near the top for auto insurance cost and last for affordability. Why, and what the 2020 and 2025 legal reforms change for drivers.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.The most and least expensive states for car insuranceNAIC data ranks Florida, Louisiana and New York as the costliest states for car insurance in 2023 and North Dakota the cheapest. The top and bottom 10, and why.Moving to a new state: how to switch your car insuranceMoving states means a policy written for your new state, often within days. Deadlines, coverage changes and a step-by-step plan to switch without a gap.What drives car insurance costs in New YorkNew York's $50,000 no-fault benefit, city density, fraud and high liability losses make it a top-three state for cost. What the 2026 reforms change.The average cost of car insurance, and what the numbers meanThe official U.S. average was $1,282 per vehicle in 2023 (NAIC); AAA put full coverage at $2,098 in 2026. What each figure means and how to estimate your own.How to read car insurance rate studies and average-cost claimsWhy "average cost of car insurance" figures disagree, what NAIC, BLS, AAA and quote-based studies each measure, and a checklist for judging any rate study.IIHS and HLDI insurance loss data: what it shows about carsHow HLDI's insurance loss results work, what the 100-based scale and color ratings mean, and how to use them to compare cars before you buy.Insurance Research Council studies on uninsured drivers and claimsWhat the Insurance Research Council is, what its uninsured-motorist, injury-claim and litigation studies found, and how to read them as a driver.J.D. Power auto insurance studies explainedWhat J.D. Power's auto insurance, claims and shopping studies measure, how scores work, recent results, and how to use the rankings alongside other data.The 100 largest auto insurance companies in the U.S.Every one of the 100 largest U.S. auto insurers ranked by 2025 premiums from NAIC data, with market share, type, rating and a link to each profile.What NAIC auto insurance data measuresA plain-English guide to the NAIC Auto Insurance Database Report, the main official source on auto insurance spending by state: what it measures and its limits.Uninsured drivers by stateThe share of uninsured drivers in every state and D.C. from Insurance Research Council 2023 estimates, how they are made, and how to protect yourself.How to find cheap car insurance without dangerous gapsA step-by-step way to cut your car insurance bill by shopping, adjusting deductibles and using discounts, while keeping the coverage that protects your savings.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.State minimum vs full coverage: which do you need?How state-minimum car insurance differs from "full coverage," what each pays after a crash, and a simple test for deciding which one fits your car and finances.Non-owner car insurance: who needs it and how it worksNon-owner car insurance gives drivers without a car their own liability coverage. Learn who needs it, what it covers and excludes, and how it handles an SR-22.Paying in full vs monthly: installment fees and discountsHow paid-in-full discounts and installment fees change what car insurance costs, with a worked example and what happens if you cancel early.What you give up with the cheapest car insurance policyThe cheapest car insurance quote usually saves money by cutting limits, coverages, policy features or service. Here is what to check before you buy it.