Key facts
| Question | Answer |
|---|---|
| What the site covers | Car insurance rules and costs in all 50 states and the District of Columbia |
| Sells insurance or gives quotes | No |
| Licensed insurer, agent or broker | No |
| Paid rankings or sponsored guides | None |
| Where figures come from | Official and primary sources, each stored with its source and date |
| How often pages are reviewed | At least every 180 days, and sooner when a law changes |
| Bylines | Editorial team, with the date each page was last reviewed |
What we cover
Car insurance is regulated state by state, so the rules a driver in Florida must follow are very different from the rules in California or New York. We publish a guide for every state and DC covering the legal minimum coverage, whether the state is at-fault or no-fault, personal injury protection (PIP) and uninsured motorist rules, SR-22 and FR-44 filings, penalties for driving without insurance and the average cost. Topic guides explain each type of coverage, common driver situations, the factors that move prices, ways to save and how claims work. Free tools help you check your state's minimums and think through deductibles and coverage, without fake quotes.
Who runs the site
StateCover Guide is published by the StateCover Guide editorial team. We write as the "Editorial team" rather than inventing author names or photos. The team is responsible for every page, and every page shows the date it was last reviewed.
How our content is made
- We start from primary sources. Legal minimums and rules come from state insurance departments, state statutes and motor vehicle agencies. Cost data comes from the National Association of Insurance Commissioners (NAIC). Crash data comes from the National Highway Traffic Safety Administration (NHTSA), theft data from the National Insurance Crime Bureau (NICB) and population figures from the US Census Bureau. We also use research from the Insurance Information Institute and the Insurance Research Council.
- Every number goes into one database. Each figure is stored once with its source link and date and is written into pages from there, so when a figure changes we update it once and every page shows the new value.
- We draft with care. We use software, including AI writing tools, to help organise research and draft text. Drafts are checked against the sources listed on each page before they are published.
- We leave out what we cannot source. If a figure cannot be traced to a reliable source, it does not appear on the site.
- We review on a schedule. Every page is reviewed at least every 180 days and whenever a law or a major data source changes.
Read the full editorial policy for details.
How the site is funded
The site is free to use and is paid for by display advertising. Ads are always labelled "Advertisement", they are kept separate from our text, and advertisers have no say in what we write. See our advertising disclosure.
What we never do
- Invent numbers, quotes, reviews, star ratings, testimonials, experts or credentials.
- Show "quotes" or prices that are not real.
- Ask for your personal details to sell to insurers or lead buyers.
- Tell you which policy to buy. We explain how things work so you can compare offers from licensed insurers and agents yourself.
Frequently asked questions
Is StateCover Guide an insurance company?
No. We are an independent information website. We are not an insurer, agent or broker and cannot sell, change or cancel a policy.
Can you give me a car insurance quote?
No. Only insurers and licensed agents or brokers can quote a real price. Our tools explain which factors raise or lower prices so you know what to ask.
How does StateCover Guide make money?
Through display ads that are labelled "Advertisement". We do not take payment for rankings, reviews or placement in our guides.
Who writes the guides?
The StateCover Guide editorial team researches, writes and reviews every page, using the primary sources listed at the bottom of each one.
How often are pages updated?
Every page is reviewed at least every 180 days. Pages are also updated when a state changes its law or a major data source, such as the NAIC's annual auto insurance report, publishes new figures.
How do I report a mistake?
Use our contact page and choose "Correction". Please include the page address and, if you can, a link to an official source.
Last reviewed by the StateCover Guide editorial team. See our editorial policy. Spotted an error? Tell us.