Regulation
The latest regulation news and analysis in US auto insurance from AutoInsureWire.
Michigan Proposes Ban on Price Optimization in Auto Insurance
A new state bill would prohibit insurers from using a controversial pricing technique that can charge customers more based on their willingness to shop around.
Rhode Island Senate Passes Higher Total Loss Threshold
A bill approved by state lawmakers would make it harder for insurers to declare damaged vehicles totaled, potentially keeping more cars on the road for repair.
New Jersey Raises Auto Insurance Minimums to 35/70/25 — What Drivers Need to Re-Check
On January 1, 2026, New Jersey pushed its Standard Policy minimums above the national median. What changed, and how to check whether your own coverage still measures up.
California's 30/60/15 Minimum, One Year Later: How Premiums and Claims Actually Moved
California raised its liability minimums in January 2025, the first such increase since 1967. A year later, the data on what actually moved is finally arriving.
Florida PIP Reform Pressure Builds Again — Why This Round Could Be Different
Florida PIP reform has stalled in Tallahassee twice already. This time the carriers, the trial bar, and the Cabinet are lining up differently, and 2026 looks like the best opening in a decade.