What Car Insurance Coverage Do I Need?

Decide how much liability coverage is enough for similar type of drivers.

State car insurance rates

Car insurance laws differ from one state to another. This means insurance rates across the country are different. Before you choose an insurance policy, you should figure out rates using the following:


  1. ZIP code.
  2. Insurance requirements.
  3. State laws.
  4. The state’s largest insurance firm.

Car insurance by state


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Car insurance by state


Tort State

The tort system is used by 38 different states. This means the fault is determined in the 50-50 ratio between the drivers. Regardless of who was at fault, if there is a car insurance involved, the fault is split equally.

No Fault-State

The no-fault state system is used to cover damages without focusing on who caused the accident. Around 12 states have the no-fault state system. The law differs in all these states.

No Pay, No Play

If a state is governed by the “No Pay No Play” system, driving without insurance policies is a crime. Uninsured drivers are never compensated. Even if the accident was not caused by them, they will be at risk.

Speeding Tickets

Most states have the Drivers License Compact and Non-Resident Violator Compact. These are formal agreements. The agreements decide the traffic tickets of speeding drivers (especially when the tickets are raised out of state).

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