Editorial Policy

Our goal is to give drivers accurate, sourced information they can use to compare car insurance. This policy explains how our content is researched, reviewed and kept up to date.

Sources we use

1. Official sources first. Legal requirements such as minimum liability limits, PIP and uninsured motorist rules, and penalties are taken from the state insurance department, motor vehicle agency or the statute itself. Each state requirement we publish links to its source.
2. Recognized data publishers. Premium averages and market share come from the National Association of Insurance Commissioners (NAIC); uninsured driver estimates from the Insurance Research Council via the Insurance Information Institute; crash data from IIHS; theft data from NICB.
3. Reputable reporting for company news, such as brand changes and acquisitions, with links to the original report or filing.

We do not use insurer advertising claims as facts, and we do not publish rates for specific companies unless we can cite a public source.

Accuracy and review

Every data page shows the date it was last reviewed. Before a page is published, figures are checked against the cited source. We review state pages when a state changes its law and data pages when a new edition of the underlying data is released, and at least once a year. When a requirement is changing on a future date, we say so and state both the old and new rules.

Independence

We may earn compensation when visitors request quotes through our forms (see how we make money). Compensation does not influence the facts we publish, the data we choose, or how we describe insurers. We do not accept payment to include or rank an insurer in our content.

Corrections

If we find an error, we correct it promptly and update the review date on the page. Material corrections to a legal requirement or a data figure are noted on the page.

No advice

Our content is general information. It is not legal, tax or financial advice, and it does not replace reading your policy or speaking with a licensed insurance professional.