Author: Jared

Washington State car insurance in 2026: 25/50/10 minimums, average rates, at-fault comparative negligence, SR-22 rules, and how to lower your premium.

Virginia car insurance in 2026: new 50/100/25 minimums with UM/UIM, the end of the uninsured-driver fee, average rates, SR-22/FR-44 rules, and savings tips.

New Jersey car insurance in 2026: new 35/70/25 minimums, Basic vs Standard policy, no-fault PIP, average rates, and how to lower your premium.

Michigan car insurance in 2026: minimum 50/100/10 liability, no-fault PIP tiers, average rates, SR-22 rules, and proven ways to lower your premium.

North Carolina runs its car-insurance market differently than almost any other state, and 2026 is an important year to understand the rules because the minimum coverage limits recently jumped. North Carolina uses a state Rate Bureau system, an at-fault liability model, and — unlike most of the country — it does not rely on the…

Georgia has quietly become one of the more expensive states for car insurance, with average premiums climbing well above the national average in recent years. Heavy traffic in metro Atlanta, a high rate of uninsured drivers, severe-weather claims, and rising repair costs have all pushed Georgia rates up. The good news: it’s also a highly…

Illinois sits right around the middle of the pack for car insurance costs, but the gap between the cheapest and most expensive drivers in the state is enormous. Chicago’s dense traffic, theft rates, and litigation costs push city premiums well above the rates drivers pay downstate. Illinois is an at-fault state with mandatory uninsured-motorist coverage,…

Pennsylvania is one of the more complicated states for car insurance because it gives drivers a choice that directly affects both their premium and their legal rights after a crash. As a “choice no-fault” state, Pennsylvania lets you pick between limited tort and full tort coverage, and that single decision can swing your premium by…

New York has some of the highest car insurance rates in the nation — the New York City metro area is consistently among the top 5 most expensive insurance markets in the country. High population density, aggressive litigation, no-fault PIP requirements, and heavy traffic congestion all drive premiums up. But even within New York, rates…

Ohio is one of the most affordable states for car insurance, with average premiums well below the national average. The state’s relatively low cost of living, competitive insurance market, and lower claim severity compared to coastal states all contribute. That said, rates still vary significantly by city — Cleveland and Columbus tend to cost more…