Car insurance guides and articles

National price data and state regulators show car insurance rates easing in 2026 in places, and why your own bill can still go up while averages fall.

An SR-22 is a certificate an insurer files with the state to prove you carry liability coverage. Why states require one, how long it lasts and what a lapse does.

The common reasons a car insurance renewal goes up with no claim or ticket, what national price data shows, and practical steps to take next.

Allstate pushed through large auto rate increases in 2023 and 2024 to restore profits, then slowed them in 2025. What its filings and results show.

GEICO's rate history from Berkshire Hathaway reports and state records, from the 2023 increases to 2026 cuts, and why a GEICO renewal can still cost more.

Progressive's own reports and recent state filings explain why some renewals still rise while its countrywide auto rates have been mostly stable.

State Farm auto prices rose after billions in underwriting losses and approved California increases, then began falling in 2026. What the records show.

USAA raised auto rates after its 2022 net loss, including two California increases in 2025, and now expects cuts for about half its policyholders.

How Proposition 103 prior approval shapes California auto insurance rates, recent Department of Insurance decisions, and where California drivers can get help.

How Florida auto insurance rates are filed and reviewed, what the Office of Insurance Regulation reported for 2026, and where Florida drivers can get help.

How Texas auto insurance rates are set, what recent rate filings with the Texas Department of Insurance show, and where Texas drivers can get help.

Can someone else drive your car? How car insurance treats occasional drivers with permission, household members, regular drivers and excluded drivers.

Car insurance usually follows the car first and the driver second. How primary and excess coverage, permission and listed or excluded drivers fit together.

Accident forgiveness can keep a first at-fault accident from raising your car insurance rate. What it covers, how eligibility works and what it leaves alone.

When parts, labor and sensor repairs cost more, insurers expect to pay more per claim and file higher rates. How car repair costs feed into insurance prices.

What car insurance telematics programs record, how insurers use the data in pricing, why a price can go up as well as down, and the privacy questions to ask.

How much a ticket or accident raises car insurance depends on the insurer and the state. How driving records, surcharges and look-back periods work.

A car insurance renewal notice shows the new premium, coverages, drivers and discounts. How to compare it line by line with last term and spot what changed.

What minimum and "full coverage" car insurance mean, why full coverage is not a legal term, and why the price gap between the two has widened in recent years.

A non-owner SR-22 pairs a non-owner liability policy with the state filing, for drivers who must prove coverage but have no car. What it covers and what it does not.

What uninsured and underinsured motorist coverage pays for, how bodily injury and property damage parts differ, and which states require it or must offer it.

A car insurance lapse can lead to state penalties, a suspended registration or license and questions at your next quote. How Texas, California and Florida handle it.

A rate filing is how an insurer asks a state to change its car insurance prices. What a filing contains, what its percentage means and why your bill can differ.

An FR-44 is a filing Florida and Virginia require after DUI-related convictions. It certifies liability limits above the state minimum, usually for three years.

The common reasons a car insurance discount is removed at renewal, from expired course credits to a dropped bundle, and how to check what changed on your policy.

Car insurance can go up at renewal with a clean record. The usual reasons are rate filings, claim costs, lost discounts and changes in your own rating factors.

Why adding a teen driver raises a car insurance bill, why the teen's own car may not set the price, and which discounts state regulators say can help.

Why car insurance prices change after a move to another state, how minimums and no-fault rules differ, and the registration deadlines in Texas, California and Florida.