State and City Car Insurance Guide

Use our state and city guide to learn about the car insurance requirements and laws unique to your state, city, or hometown.

Insurance requirements, rates, and risks can vary dramatically from one city or state to the next. These differences are not necessarily obvious or intuitive, either. For instance, Florida only requires drivers to carry $20,000 worth of bodily injury liability coverage on their car insurance policies, whereas Maine requires $100,000 worth of bodily injury liability coverage. The vehicle theft rate in Detroit in 2012 was a whopping 1,626 vehicle thefts per 100,000 residents, while in Los Angeles, it was a much lower 392 per 100,000 residents. Iowa has the 3rd lowest average car insurance rates of any state in America, but neighboring Wisconsin has the 7th highest.

If you would like to learn more about insurance in your city or state, or if you’re relocating and want to know what the insurance situation is like where you’re moving, we’ve got you covered. Just click on the state you live in, or will be living, in to see insurance info for that state. We’ve added city-specific insurance information for many of the major cities in each state, and are working on adding all of them.

State Guides

The information that we’ve compiled for states includes:

  • Legally Required Insurance Coverage
  • Average Car Insurance Rates
  • SR-22 Requirements
  • Distracted Driving Laws
  • DUI/DWI information
  • Child Restraint Laws
  • Driver’s License Requirements
  • Seat Belt Laws
  • Fuel Taxes
  • Traffic Fatalities
  • Statewide Crash Statistics
  • Vehicle Thefts
  • Most Stolen Vehicles
  • Car Insurance Carrier Market Share
  • State Insurance Commissioner Contact Information
City Guides

For cities, we include information about:

  • Driver Safety Rankings
  • Road Conditions
  • Traffic Congestion
  • Weather and its Impact on Driving
  • Traffic Citations
  • Vehicle Theft Rates
  • Vehicular Fatalities