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State Comparisons 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.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.