Car Insurance Quotes State Farm

Important factors when comparing car insurance rates. Compare policies and quality for better insurance decisions.

Requirements for Car Insurance Coverage

Category: Insurance Articles You probably already know that you need car insurance in order to drive on public roads. However, what you may not know is that you also need car insurance to drive in certain states. Here are the requirements for car insurance coverage in each of the 50 U.S. States. Alabama: You must have liability insurance to drive in Alabama. This insurance protects you financially if someone is injured or killed in a traffic accident while using your vehicle. Alaska: You must have liability insurance to drive in Alaska. This insurance protects you financially if someone is injured or killed in a traffic accident while using your vehicle. Arizona: In Arizona, you are required to have both personal property and casualty (PPC) insurance when driving a vehicle on public roads and highways. PPC insurance covers damage to other people’s property, regardless of who is at fault for the accident. Arkansas: In Arkansas, you are only required to have liability insurance when driving a vehicle on public roads and highways. This policy will protect you from any financial damages that may come as a result of an accident that occurs while your driving. California: In California,

Automobile Insurance Costs 2018

This year, the statewide average car insurance rates for the whole U.S. was $1,364 per year. This is a 1.7% decrease from last year’s figure of $1,378. The reason for the drop is that many states implemented new laws or regulations that lower auto insurance premiums.

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However, even with this dip in rates, some states are still much more expensive than others. The 10 most expensive states for car insurance in 2018 are: New York, Connecticut, Hawaii, Massachusetts, Illinois, Maryland, California, Rhode Island, and Pennsylvania. On the other end of the spectrum are the 10 least expensive states for car insurance in 2018: West Virginia, Kentucky, Alabama, South Dakota, Idaho, North Dakota, Tennessee, Utah, Oklahoma and Arkansas.

Types of Policies

There are a variety of different types of car insurance policies available to drivers in the U.S., each with its own set of benefits and drawbacks. Here’s a rundown of the most common types:

  • Collision – This policy covers damages to your car caused by someone else, such as when you hit a pedestrian or another car. This policy usually has lower rates than other types, but it’s less comprehensive.
  • Comprehensive – This policy includes everything under collision, plus loss of use, rental car coverage, and even hazardous materials coverage. Comprehensive policies tend to have higher rates than collision policies, but they provide more protection.
  • Uninsured/Underinsured Motorist – If you get into an accident with an uninsured or underinsured driver, this type of policy will help cover your losses. These policies often have higher rates than other types, but they’re worth it if you’re worried about being hit by an uninsured driver.
The type of policy you choose depends on your personal needs and preferences. It’s important to compare quotes from several providers to find