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Spotlight on trends: Essential reads in auto insurance

Dive into our expert stories that simplify car insurance trends in this dynamic market.

What you need to know about usage-based insurance and telematics
Wider adoption of usage-based insurance technology and connected-car telematics could provide drivers and insurance companies with benefits.
Trends over time: U.S. auto insurers’ rates
Premium insurance rates continue to trend upward in 2024, and car insurance consumers saw double-digit increases in 43 states in 2023.
Survey: Most Americans don’t have plans to buy an electric vehicle
CarInsurance.com survey finds that more than half of U.S. drivers have no plans to buy an EV. Only a quarter of the respondents said they intend to buy a battery-powered vehicle.
How AI affects your car insurance rates
Want to know how AI could affect your car insurance rates? In cars with connected devices, AI can create a profile of your driving habits, which an auto insurer can use to customize your policy.

Latest Articles

December 12, 2024

What is the permissive user limit of liability?

By Shivani Gite
State laws and insurance company guidelines vary, but some carriers have a clause in their policy that lowers the limits to state minimums for permissive...
December 12, 2024

Minimum liability car insurance requirements by state

By Laura Longero
Minimum liability car insurance requirements vary by state. Find out the minimum liability car insurance requirements for your state and how to interpret the...
December 11, 2024

Here’s what to do if your car falls through the ice

By Mark Vallet
Your insurance will cover your cars falling through ice if you have comprehensive coverage on your insurance policy. But if you don't have comprehensive...
December 7, 2024

Auto insurance for snowbirds

By Laura Longero
Snowbird car insurance should be on your checklist when you're packing up to enjoy warmer weather during the winter season in Florida....
December 7, 2024

Why synthetic oil works well in the winter

By Shivani Gite
Synthetic engine oil can flow better through the engine lubrication system during winter, thus allowing the car owner to crank the car in the lowest...
December 6, 2024

Cheapest car insurance companies in 2024

By Erik Martin
In 2024, Nationwide and Geico offer the most affordable car insurance. Nationwide has the lowest full coverage rates at $129 per month, while Geico is the...
November 4, 2024

How much does it cost to add a teenager to car insurance?

By Sarah Sharkey
Car insurance for teens is pricey, but it’s cheaper to add a teen to your policy than for them to have their own policy. It costs $3,594 per year to add a...
September 4, 2024

How much car insurance do I need?

By Maggie O'Neill
To determine how much car insurance you need, start with your state's minimum coverage requirements and then consider your financial situation and the value of...
July 31, 2024

How much is car insurance? See average car insurance costs

By Elizabeth Rivelli
The average cost of car insurance is $1,895 annually, or $158 per month, for a full coverage policy. See how much car insurance is in your area....
October 30, 2023

Car insurance shopping for a new car

By Erik Martin
Before you drive off the lot with a new vehicle, learn how to get insurance for a new car -- the insurance grace period to vehicle registration and more....
October 15, 2024

Gap insurance: What does it cover and is it worth it?

By Mark Vallet
If your car is totaled or stolen, gap insurance coverage will pay the difference between the actual cash value (ACV) of the vehicle and the current outstanding...
August 9, 2024

What is the difference between title and registration?

By Katrina Raenell
A title is a document that proves vehicle ownership. Vehicle registration proves you're legally able to drive your vehicle and that it's registered with the DMV...
December 6, 2024

Cheapest car insurance companies in 2024

By Erik Martin
In 2024, Nationwide and Geico offer the most affordable car insurance. Nationwide has the lowest full coverage rates at $129 per month, while Geico is the...
October 1, 2024

How much is car insurance for a 16-year-old?

By Shivani Gite
The average car insurance rate for a 16-year-old is $7,149 a year for full coverage – $596 per month – but you can still find affordable rates by following...
October 22, 2024

Guide to non-owner SR-22 insurance: What to do if you need SR-22 insurance without a car

By Katrina Raenell
A non-owner SR-22 may be required if you are a high-risk driver – even if you don’t have a car. Learn more about non-owner SR-22 insurance, how much it...
October 1, 2024

Average car insurance rates by age

By Laura Longero
Your insurance rates are based, in part, on how old you are. Find out why age is considered and which ages you can expect to pay the most for car insurance....
March 29, 2024

10 most important factors that affect car insurance rates

By Laura Longero
Your insurance company will use several rating factors that affect car insurance rates. Follow this guide to find out how you can get cheap car insurance. ...
October 21, 2024

Guide to the best cars for teens

By Erik Martin
Wondering which cars are best for teens? Here’s how much you’ll pay to insure popular vehicles for teens. ...

Make informed decisions with auto insurance calculators

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Rates by ZIP Code
Tailored rates for your location

Our innovative tool provides average car insurance rates specific to your ZIP code, age and coverage level. Compare car insurance rates from up to six major insurers for the same policy.

Impact of location on insurance rates

With our tool, you can find out how much rates vary by location. Rates by ZIP tool is particularly useful for those moving to a new area, considering a new insurance carrier, or simply exploring options to reduce their current insurance premiums.

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Rates for Teen Drivers
Teen driver insurance calculator

CarInsurance.com’s teens car insurance calculator takes the guesswork out of finding the best rates, ensuring your new driver hits the road with peace of mind.

Using it as easy as pie

Enter your teen’s age, gender, state of residence, and your marital status. That’s it—no more digging through endless quotes or deciphering confusing insurance jargon.

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Don’t settle for the first offer. Our calculator lets you compare rates side-by-side, making it easy to identify the best deals and coverage options for your teen’s needs.

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FAQs: Auto insurance news, trends and insights

Our comprehensive coverage is designed to answer consumers’ most common insurance questions. See how technology, legislative changes and other developments are affecting the insurance industry.

  • What are the latest trends in car insurance?

    One notable trend is the increasing adoption of usage-based car insurance (UBI) policies. This approach utilizes telematics technology to monitor a driver’s behavior and vehicle usage, enabling insurance companies to offer personalized rates. Another emerging trend is the growing importance of electric vehicle (EV) insurance policies as the adoption of EVs rises globally. Insurers are adapting to cover electric vehicles’ unique risks and needs in AI and machine learning, such as battery replacement and specific damage risks.

  • How are technological advancements impacting car insurance?

    Technological advancements in AI and machine learning are revolutionizing the car insurance sector by enhancing risk assessment, fraud detection and customer service. AI algorithms can analyze vast amounts of data to accurately predict risk, enabling insurers to offer more competitive rates. Additionally, chatbots and virtual assistants are improving customer interaction and claim processing times, increasing overall satisfaction.

  • Which tools can help me find cheap car insurance?

    Get average rates for thousands of vehicles by make and model: Average Car Insurance Rates for Used Cars tool.

Still need help?

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

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

Executive 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.

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