Auto Insurance News
The latest US auto insurance news — rate filings, regulation, claims, fraud, telematics, and EV coverage, summarized and explained for working drivers.
EV Insurance Premium Gap Widens to 42 Percent in 2026
New data from Insurify shows electric vehicles carry sharply higher insurance costs than gas cars, even as fuel savings offset some of the pain.
Is a $2,000 Deductible Good for Car Insurance? The Break-Even Math Most Drivers Skip
A $2,000 deductible can slash premiums, but it's a trap if you can't cover a claim out of pocket or you drive an older car.
Why Switching Between Call, Web, and App During One Insurance Quote Tanks Your Satisfaction
A new industry study shows that forcing drivers to jump between phone, website, and app for a single inquiry doesn't just frustrate them, it costs insurers renewals.
How to Lower Car Insurance After a Speeding Ticket
A speeding ticket can spike your premium by 25% or more, but a handful of tactical moves can blunt the damage before your next renewal.
Is Gap Insurance Worth It for a New Car? What Dealers Won't Tell You
When your brand-new car loses 20 percent of its value the moment you drive off the lot, gap coverage can be the difference between walking away clean or carrying a loan on a vehicle you no longer own.
SR-22 Insurance Cost by State 2026: What You'll Actually Pay
The filing fee is cheap, but the premium spike that follows varies wildly depending on where you live and what landed you here.
Collision Repair Technician Shortage: What It Means for Your Claim
A projected shortfall of more than 73,000 collision repair technicians by 2029 could extend wait times and push up repair costs for drivers filing claims.
Consumers Gathering Record Number of Insurance Quotes Before Buying
A major industry study reveals drivers are now comparing more insurance offers than ever before purchasing coverage, signaling heightened price sensitivity in a turbulent market.
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.
Diminished Value Claim: How to File and Get What You're Owed
Filing a diminished value claim after an accident can recover thousands, but insurers rarely advertise this right—here's your step-by-step guide.
Your 2026 Renewal Jumped Even With a Clean Record, Here's What's Actually Behind It
Clean record, no claims, same car, and the renewal still came in higher. The increase usually isn't about you. It's about three numbers moving underneath every policy in the country.
Deductible Math: When Raising Yours to $1,000 Actually Pays Off, and When It Burns You
A higher deductible cuts your premium every month, but whether you come out ahead depends on a calculation most people skip.
Millions of Delivery and Rideshare Drivers Are Quietly Underinsured, Here's Exactly Where the Gap Opens
The moment you tap 'accept' on that delivery ping, your personal auto policy might already be done with you. Most drivers find out when the claim denial lands.
New Jersey Raises Auto Insurance Minimums to 35/70/25, What Drivers Need to Re-Check
Effective January 1, 2026, New Jersey lifted its Standard Policy minimums above the national median. Here's what changed and how to verify your policy.
Federal Appeals Court Hands Auto Insurers Another Win on Total-Loss Valuations
A proposed class action over totaled-car valuations just got tossed, the latest in a string of wins for carriers at the appeals level.
Commercial Fleets Get an AI Risk Demo, and a Warning on the Telematics Data Trail
An industry briefing put fleet telematics through its paces. The takeaway for fleet operators: data that flatters underwriters can also expose you in litigation.
Lifted Trucks, Blind Spots, and a New Line of Liability Claims Carriers Are Watching
Plaintiffs' attorneys are increasingly arguing that aftermarket lift kits create foreseeable blind-spot risk. The insurance fallout is starting to show.
California's 30/60/15 Minimum, One Year Later: How Premiums and Claims Actually Moved
The first liability-minimum increase since 1967 went into effect January 2025. The data on what it changed, and what it didn't, is finally starting to land.
Florida PIP Reform Pressure Builds Again, Why This Round Could Be Different
After two stalled attempts, Tallahassee is back at it. The carriers, the trial bar, and the Cabinet are realigning in ways that make 2026 the most plausible window in a decade.
Auto Insurtech Roundup: Five Funding and Product Moves Reshaping US Auto Coverage in 2026
From AI claims platforms to embedded auto coverage at the dealership, five auto-insurtech moves working drivers should actually know about.