# Car insurance articles

> Car insurance articles on state law changes, average costs by state, uninsured drivers, no-fault rules, credit and everyday coverage questions.

Canonical page: https://statecover-guide.com/blog/  
Last reviewed: October 28, 2026 by the StateCover Guide editorial team  
General information, not legal or insurance advice.

## Quick answer

The StateCover Guide blog explains car insurance topics that change from state to state or raise the same questions again and again: new minimum limits, which states cost the most, how many drivers are uninsured, no-fault rules, credit, lapses, theft, weather damage and more. Every figure comes from a named official or primary source, such as state laws, insurance regulators, the NAIC or the Insurance Research Council, and each article lists those sources at the end.

## What you will find here

Our guides to [coverage](https://statecover-guide.com/coverage/), [costs](https://statecover-guide.com/costs/), [saving money](https://statecover-guide.com/saving/), [claims](https://statecover-guide.com/claims/) and [driver situations](https://statecover-guide.com/drivers/) explain how car insurance works. The blog goes one step further, in two ways.

**State data and law changes.** These articles compare all states side by side, using the same sourced facts as our state guides. They track the states that raised their [minimum coverage limits](https://statecover-guide.com/blog/state-minimum-coverage-changes/), rank the [most expensive states for car insurance](https://statecover-guide.com/blog/most-expensive-states-for-car-insurance/) with NAIC data, show the share of [uninsured drivers by state](https://statecover-guide.com/blog/uninsured-drivers-by-state/), explain [no-fault vs at-fault states](https://statecover-guide.com/blog/no-fault-vs-at-fault-states/), and set out where insurers may use [credit to price car insurance](https://statecover-guide.com/blog/credit-scores-and-car-insurance-by-state/). For context, the NAIC puts the national average spent per insured vehicle at $1,281 a year in 2023, and the Insurance Research Council estimates that 15.4% of drivers were uninsured in 2023.

**Everyday questions.** Other articles answer the questions people ask when life gets in the way of a simple policy: whether [car insurance follows the car or the driver](https://statecover-guide.com/blog/does-car-insurance-follow-the-car-or-driver/), what happens after a [lapse in coverage](https://statecover-guide.com/blog/car-insurance-lapse/), how to insure a [classic car](https://statecover-guide.com/blog/classic-car-insurance/) or an [electric car](https://statecover-guide.com/blog/electric-car-insurance/), what to do if [your car is stolen](https://statecover-guide.com/blog/what-to-do-if-your-car-is-stolen/), and how to [read your declarations page](https://statecover-guide.com/blog/how-to-read-your-declarations-page/).

Each article links back to the deeper guides and to the free [tools](https://statecover-guide.com/tools/), such as the [state minimum lookup](https://statecover-guide.com/tools/state-minimums/), so you can move from a general answer to your own situation.

## All car insurance articles

Newest articles first. Each entry has a one-line summary to help you pick the right one.

- [Classic car insurance](https://statecover-guide.com/blog/classic-car-insurance/): How classic and antique car insurance works: agreed value, usage and storage rules, total losses and state historical plates.
- [Mexico and Canada trips](https://statecover-guide.com/blog/driving-to-mexico-or-canada/): Why US auto insurance falls short in Mexico, how it extends to Canada, and what to sort out before you cross the border.
- [Electric car insurance](https://statecover-guide.com/blog/electric-car-insurance/): Why EV insurance can cost more, what claims data show, how the battery and home charger are covered, and what to do after damage.
- [Canceled or nonrenewed](https://statecover-guide.com/blog/canceled-or-nonrenewed/): Cancellation vs nonrenewal, notice rules, allowed reasons and how to stay insured after an insurer drops you.
- [Insurance lapse](https://statecover-guide.com/blog/car-insurance-lapse/): What happens when car insurance lapses: state penalties, plate surrender, higher rates and the steps to get covered again.
- [No license](https://statecover-guide.com/blog/car-insurance-without-a-license/): How to insure a car without a driver's license: listing a driver, excluded drivers, permits, suspensions and SR-22 filings.
- [College students](https://statecover-guide.com/blog/car-insurance-for-college-students/): How college students stay insured: a parent's policy, a car at school, out-of-state rules, student discounts and belongings in the car.
- [Credit and car insurance by state](https://statecover-guide.com/blog/credit-scores-and-car-insurance-by-state/): Which states ban or limit credit-based insurance scores, what the FTC found, and how to check, dispute and work around your credit.
- [Car or driver?](https://statecover-guide.com/blog/does-car-insurance-follow-the-car-or-driver/): Who pays when someone borrows your car: permissive use, primary vs secondary coverage, excluded drivers and rental cars.
- [GDL by state](https://statecover-guide.com/blog/graduated-driver-licensing-by-state/): A state-by-state table of teen licensing rules and what each GDL stage means for adding a teen to your car insurance.
- [Storm damage](https://statecover-guide.com/blog/hail-flood-and-hurricane-damage/): Which coverage pays for hail, flood and hurricane damage to your car, flood titles, storm prep and how to claim.
- [Hitting a deer](https://statecover-guide.com/blog/hitting-a-deer/): Which coverage pays after you hit a deer, what to do at the scene, when crashes peak and how a claim affects your premium.
- [Reading your declarations page](https://statecover-guide.com/blog/how-to-read-your-declarations-page/): A section-by-section guide to the car insurance declarations page, with an example and a checklist of mistakes to catch.
- [Car not in your name](https://statecover-guide.com/blog/insuring-a-car-not-in-your-name/): When you can insure a car you don't own: insurable interest, owners vs named insureds vs drivers, family cars and state rules.
- [Stored car](https://statecover-guide.com/blog/insuring-a-stored-car/): How to insure a car in storage: comprehensive-only coverage, plate surrender or non-operation status, and lender rules.
- [Items stolen from your car](https://statecover-guide.com/blog/items-stolen-from-your-car/): Which policy pays when belongings are stolen from your car or the car is broken into, and how to document the claim.
- [Leased vs financed cars](https://statecover-guide.com/blog/leased-vs-financed-car-insurance/): What leasing companies and auto lenders require you to carry, how gap protection works and what happens if the car is totaled.
- [Modified car insurance](https://statecover-guide.com/blog/modified-car-insurance/): How mods affect car insurance, how to cover custom parts and what state rules say about aftermarket parts in repairs.
- [Most expensive states](https://statecover-guide.com/blog/most-expensive-states-for-car-insurance/): All states ranked by NAIC average car insurance spending, the reasons behind the gaps and how to read the two averages.
- [No-fault vs at-fault](https://statecover-guide.com/blog/no-fault-vs-at-fault-states/): How no-fault, choice, add-on and at-fault states pay for crash injuries, where lawsuits are limited and what changes when you move.
- [Minimum coverage changes](https://statecover-guide.com/blog/state-minimum-coverage-changes/): The states that raised minimum liability limits, the increases still to come, and what each change means for your policy at renewal.
- [Uninsured drivers by state](https://statecover-guide.com/blog/uninsured-drivers-by-state/): Uninsured driver rates for every state, how the estimate works, state UM rules and steps to protect yourself from uninsured drivers.
- [If your car is stolen](https://statecover-guide.com/blog/what-to-do-if-your-car-is-stolen/): Step by step: report the theft, file the claim, handle the loan and plates, and know what comprehensive coverage pays.
- [Who must be listed](https://statecover-guide.com/blog/who-must-be-listed-on-your-policy/): Household members, regular drivers, teens with permits and excluded drivers: who belongs on your auto policy and why it matters.
- [Winter driving](https://statecover-guide.com/blog/winter-driving-and-car-insurance/): Which car insurance pays for winter crashes and storm damage, chain and traction laws, winter prep and how to handle a claim.
## How we research

Every article follows our [editorial policy](https://statecover-guide.com/editorial-policy/). We use state statutes, state insurance departments and motor vehicle agencies first, then national bodies such as the NAIC, NHTSA and the Federal Trade Commission, and research groups such as the Insurance Research Council and IIHS. We never use quote-comparison or lead-generation sites as sources. Numbers on the page are drawn from a facts database that records each figure's source and date, so the sources list on every article updates with the facts. When state law changes, we update the state facts and the articles that use them, and each page shows the date it was last reviewed. If you spot an error, our [contact page](https://statecover-guide.com/contact/) is the fastest way to tell us.

The blog explains how car insurance works; it does not sell insurance or give quotes. For decisions about your own policy, a licensed agent or your [state insurance department](https://statecover-guide.com/location/) can help.

## FAQ

### Where do the numbers in these articles come from?

From official and primary sources: state laws and regulators, the NAIC's auto insurance database report, the Insurance Research Council, IIHS, NHTSA and federal agencies. Each article lists its sources, with links, at the bottom of the page.

### Is this insurance advice?

No. The articles explain rules, data and trade-offs in plain English. Your own needs depend on your state, your car and your finances, so check details with your insurer, a licensed agent or your state insurance department.

### How do I find the rules for my state?

Start with our [state guides](https://statecover-guide.com/location/), which cover legal minimums, fault rules, average costs and contacts for every state and the District of Columbia. The [state minimum lookup](https://statecover-guide.com/tools/state-minimums/) shows the required coverage in one step.

### How current are the articles?

Each article shows the date it was last reviewed. Some data, such as average costs and uninsured driver estimates, is published a few years after the period it covers, and each article says which year its figures describe.

## Sources

- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report) — national average expenditure
- [Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)](https://www.businesswire.com/news/home/20250220231032/en) — national uninsured driver estimate