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Washington State Auto Insurance: 25/50/10 Requirements. Washington State requires 25/50/10 liability coverage. That’s $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. If you live in Seattle you already see the problem. Ten thousand dollars for property damage in 2026 is laughable. One Tesla fender bender and…
Illinois requires 25/50/20 liability coverage, That’s $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. If you live in Chicago or the suburbs you already know these minimums are a joke. One accident on the Kennedy or Dan Ryan and your coverage is gone before the tow…
Ohio requires every driver to carry 25/50/25 liability coverage. On paper that looks reasonable. In practice it’s barely enough to cover one moderately serious accident in 2026. I’ve looked at hundreds of insurance claims from Ohio over the years and the pattern is always the same. Driver thinks they’re properly covered because they meet state…
Georgia requires what looks like reasonable auto insurance on paper. The state mandates 25/50/25 coverage which puts it slightly above the absolute bare minimum states but still nowhere near adequate for modern accident costs. I’ve been analyzing insurance claims across the country for years and Georgia consistently shows up as a state where drivers think…
Michigan Auto Insurance Reform Michigan had the most expensive auto insurance in America for decades. It wasn’t even close. Drivers in Detroit were paying $5,000 or more per year for basic coverage while people in other states paid a fraction of that. The reason was simple. Michigan required unlimited lifetime Personal Injury Protection coverage. If…
Pennsylvania gives drivers a choice that most other states don’t offer. When you buy auto insurance in Pennsylvania you have to decide between limited tort and full tort. This decision affects both your premiums and your legal rights after an accident. Most people pick limited tort because it’s cheaper. A lot of them regret it…
New York doesn’t mess around with auto insurance. The state requires more coverage than most places and enforces it aggressively. If you’re moving to New York or just trying to understand what you actually need the requirements can feel overwhelming at first. I’ve spent years breaking down insurance regulations across the country and New York…
Florida’s auto insurance system makes absolutely no sense until you spend about twenty minutes really digging into it. Then it makes slightly more sense, but you’re still left wondering who designed this thing. I’ve been writing about insurance for years now and Florida always manages to be the outlier. The state operates under what’s called…
Here’s something most people get wrong about Texas auto insurance: they call it “strict.” That’s not quite right. The laws themselves? They’re actually pretty straightforward. It’s the consequences of screwing them up that’ll get you. Every driver in Texas needs to carry auto insurance. Period. The rules aren’t complicated I’ve seen way worse in other…