Editorial Transparency
About CarInsuranceGuide.us
We research car insurance from the vehicle's perspective — the car you drive, the state you live in, and what your vehicle is actually worth to insure correctly.
What Makes CarInsuranceGuide Different
Most insurance comparison sites focus on driver demographics. We focus on the vehicle — because the car you drive has one of the biggest impacts on what you pay.
A Tesla Model 3 costs 40% more to insure than a Honda Civic. A 10-year-old car worth $8,000 should probably skip collision coverage. Someone in Florida buying a car near the coast needs comprehensive more than someone inland. These are vehicle-specific realities that most comparison sites ignore.
We also publish the exact state minimum coverage requirements for every US state — because knowing the legal minimum is the starting point for any coverage decision.
Our Review Criteria
We request quotes for the 20 most common vehicle models in the US across 8 insurers. We track how rates differ between a 2-year-old sedan vs. a 10-year-old SUV vs. a brand-new EV. Rates that match real-world filings score highest.
We verify minimum liability limits, PIP requirements, and uninsured motorist mandates for all 50 states using official state insurance department sources. No-fault vs. tort state distinctions are documented for every state guide we publish.
Not all insurers handle classic cars, EVs, commercial-use vehicles, or high-performance cars equally. We evaluate each insurer's specialty programs and gap coverage options for vehicles where standard policies often fall short.
AM Best financial strength rating (minimum A- required), NAIC complaint ratio, and J.D. Power Auto Claims scores. An insurer must demonstrate financial stability to appear in our recommendations.
State Law Research
Every state guide on CarInsuranceGuide.us is researched against official state insurance department sources. We document:
- → Minimum bodily injury liability limits (per person / per accident)
- → Minimum property damage liability
- → Whether the state is no-fault or tort
- → PIP (Personal Injury Protection) requirements
- → Uninsured motorist coverage requirements
- → Whether credit scoring is permitted for rate-setting
State law data is reviewed every 6 months and updated immediately when state legislatures pass changes.
Affiliate Disclosure
CarInsuranceGuide.us earns referral fees when you request quotes through our links. This does not affect your quote price. Referral fees are similar across all insurers we recommend, so our rankings are driven by research — not by which company pays more.
We are not a licensed insurance agent or broker. Rates shown are estimates. Always verify current rates directly with the insurer before purchasing a policy.
Contact
Email: editor@carinsuranceguide.us
For rate corrections, state law updates, or partnership inquiries.