After an AccidentCompare quotes

Bibliography

Sources

Every factual claim on this site should trace to one of these. If you find one that does not, tell us and we will fix or remove it.

Insurance Information Institute

  1. Background on: No-fault auto insurance — Which states use personal injury protection (PIP), how no-fault thresholds work, and reform history including Michigan and Florida.
  2. Background on: Pay-as-you-drive auto insurance (telematics) — Usage-based and per-mile pricing models, what telematics programmes measure, and state limits on their use.
  3. Facts + Statistics: Highway safety — Crash, injury and fatality trends used to explain why liability and injury coverages cost what they do.
  4. Drivers in fatal motor vehicle crashes by age, 2023 (2025) — Fatal-crash involvement per 100,000 licensed drivers: 42.40 (16–20), 35.34 (21–24), 28.97 (25–34), 24.18 (35–44), 21.70 (45–54), 19.45 (55–64), 15.44 (65–74), 16.63 (75+).
  5. What determines the price of an auto insurance policy? — Rating factors: driving record, mileage, location, age, gender, vehicle, credit-based insurance score, coverage choices. Notes ZIP-code rating is prohibited in California and Michigan and gender rating is prohibited in seven states.
  6. What is covered by a basic auto insurance policy? — Defines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
  7. Nine ways to lower your auto insurance costs — Shop at least three quotes; raising a deductible from $200 to $500 can cut collision/comprehensive cost 15–30%, $1,000 can save 40%+; drop physical damage on cars worth under 10× the premium; bundling, low-mileage and good-student discounts.
  8. How much auto coverage do I need? — Why state minimums are a floor; choosing liability limits that protect assets; when collision and comprehensive are worth keeping.
  9. How to file an auto insurance claim — Steps after a crash: document the scene, notify the insurer promptly, understand the adjuster's role.
  10. Understanding your insurance deductibles — How deductibles apply to collision and comprehensive and how raising them lowers premium.
  11. What is gap insurance? — Gap coverage pays the difference between a car's actual cash value and the loan or lease balance after a total loss.
  12. What if I can't find auto coverage? — How the non-standard market and state assigned-risk plans insure drivers the voluntary market declines.
  13. Auto insurance for teen drivers — Adding a teen to a parent's policy versus a separate policy; good-student and driver-training discounts; vehicle choice.
  14. Is it legal to drive without insurance? — Every state requires drivers to demonstrate financial responsibility; in most states insurance is the mandatory way to do so.

Insurance Institute for Highway Safety

  1. Teenagers — Teen crash risk, graduated driver licensing research and vehicle recommendations for young drivers.
  2. Graduated licensing laws by state — State-by-state learner, intermediate and full-licence ages, night-driving and passenger restrictions.
  3. Fatality facts: Teenagers (2024) — Fatal crash rate per mile driven for 16–19-year-olds is just over 3 times the rate for drivers 20 and older (2022 travel data); all-severity crash rate is over 4 times; risk is highest at 16–17.

National Association of Insurance Commissioners

  1. 2019–2023 Auto Insurance Database: average premium supplement (2025) — Countrywide average expenditure $1,281 in 2023 (+13.98%); combined average premium $1,438; state tables for liability, collision and comprehensive.
  2. Consumer insurance information — Plain-language guides from the body of state insurance regulators; links to every state's insurance department and complaint process.

United Policyholders

  1. Buying tips — Non-profit guidance on choosing coverage, deductibles and limits, and on handling claims.
  2. Auto insurance basics — Plain-language coverage explanations from a policyholder-advocacy non-profit.

Consumer Federation of America

  1. Insurance research and advocacy — Consumer-side research on auto insurance pricing, non-driving rating factors and affordability.

Consumer Reports

  1. Car insurance — Independent testing organisation's guides to comparing policies and insurers.

Linked publishers do not endorse this site. Practical checklists and recommendations are original editorial guidance; see our methodology.