Key facts
| Point | What it means for you |
|---|---|
| General information only | Pages describe rules and averages, not your personal situation |
| Not an insurer, agent or broker | We cannot sell, quote, change or cancel a policy |
| Averages are not prices | Your own premium can be much higher or lower than any average |
| Laws change | Check the current rules with your state insurance department |
| Policies differ | Your policy's own wording decides what it covers |
General information, not advice
Our guides explain how car insurance usually works and what each state's law requires. They cannot take into account your driving record, your car, your finances or the exact wording of your policy. For advice about your own situation, speak with a licensed insurance agent or broker, an attorney or your state insurance department.
We are not an insurer, agent or broker
StateCover Guide does not sell insurance, is not licensed to sell insurance and does not receive commissions on policies. Nothing on the site is an offer of insurance.
About the numbers
Average costs come from published sources, mainly the National Association of Insurance Commissioners, and describe large groups of drivers in a past year. They are useful for comparing states and seeing trends, not for predicting your own price.
Your policy decides
What a policy covers depends on its own terms, conditions and exclusions, which vary by insurer and by state. If our general description differs from your policy documents, your policy documents apply.
Frequently asked questions
Is this site's information legal advice?
No. It is general information about car insurance laws and practices.
Can I rely on the average costs to budget?
Use them as a rough guide only. Get quotes from licensed insurers for your actual price.
What should I do if a page seems out of date?
Check your state insurance department's website and please tell us so we can review the page.
Who can give me advice about my policy?
Your insurer, a licensed agent or broker, or your state insurance department's consumer help line.
Does StateCover Guide earn commissions?
No. The site is funded by labelled display ads, not insurance commissions.
Last reviewed by the StateCover Guide editorial team. See our editorial policy. Spotted an error? Tell us.