Insurance rates and rules are
different in every state.
A driver in Maine pays $876 a year for full coverage. The same driver in Florida pays $3,183. Find your state and see exactly what you should expect to pay — and what your state legally requires.
Why rates vary so much by state
State laws determine minimum coverage requirements, no-fault rules, and how insurers can price risk. Florida’s fraud epidemic and hurricane exposure push premiums to $3,183. Maine’s low density and low litigation rate keep them at $876. The driver is not the main variable — the state is.
What no-fault actually means for you
In no-fault states, your own insurer pays your medical bills regardless of who caused the accident. This eliminates most minor injury lawsuits but requires you to carry Personal Injury Protection (PIP) coverage. At-fault states use the traditional system where the responsible driver’s insurer pays. See our auto insurance guide for a full breakdown.
State minimums are not enough for most people
Every state listed here shows its legal minimum liability coverage. Most are dangerously low. A 25/50/25 minimum means $25,000 per person in bodily injury — one serious accident can exhaust that immediately. Insurance professionals consistently recommend 100/300/100 regardless of what your state requires. Contact our team with questions.
Coverage requirements
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