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
Your car didn't change. Your record didn't change. The premium went up anyway, pushed by three numbers most drivers never see.
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
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.
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
Fleet telematics looked impressive at a recent industry briefing. The quieter point for operators: the same data that earns a discount can be subpoenaed after a crash.
Lifted Trucks, Blind Spots, and a New Line of Liability Claims Carriers Are Watching
Plaintiffs' lawyers have a new line of attack: an aftermarket lift kit creates a foreseeable blind spot, and the owner should have known. Insurers are starting to feel the effect.
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.
Auto Insurtech Roundup: Five Funding and Product Moves Reshaping US Auto Coverage in 2026
AI claims tools, coverage bundled into the car loan, pay-per-mile pricing: five insurtech shifts that reach the person actually paying the premium.