Everything you need to know about how insurance laws work and how traffic violations will affect your car insurance rates.

  • Liability Requirements by State: Find out what car insurance coverages you must have to drive in your state. While nearly all states require minimum levels of liability, which pays for others’ injuries and damage you cause in an accident, some states also mandate that you have additional types of car insurance, such as uninsured motorist or personal injury protection.
  • Tort Insurance Law: Learn how tort law plays in car insurance accidents. Some states are “tort states,” which means you are responsible for compensating people you injure in an accident. Typically, this is covered by your liability insurance up to your limits.
  • No-Fault Insurance Law: No-fault insurance laws come into play in “no-fault” states, which means car insurance you’re required to buy pays for your injuries regardless of who caused the car accident. Find out the information you need on the 12 no-fault states.
  • How Tickets Affect Your Insurance: Learn what happens to your car insurance policy when you get a ticket. In some cases, your rates may go up.
  • Driving Without a License: The penalties for driving without a license are outlined by each state.
  • Driving Without Insurance: Penalties by State: Find out what fees and penalties you face if caught driving without insurance.
  • Lapse in Insurance Coverage: Here we show you how much your rates increase if you let your insurance lapse, as well as what fees and penalties you face in your state.
  • Cellphone Use While Driving: This article outlines laws governing cellphones’ use while behind the wheel. You’ll also learn whether or not a cellphone ticket will raise your car insurance rates.
  • Total-Loss Thresholds: Whether your car is totaled after an accident depends on your state’s total-loss threshold law. Legally, insurers must declare a car totaled and apply for a salvage title once damage reaches a certain point under your state’s law. Learn what you need to know about your state’s total-loss threshold.
Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Get instant quotes now !
Please enter valid zip