State-by-State Car Insurance Rate Comparisons
Posted by Tom Carolan on Mon, Dec 07, 2009 @ 11:07 AM
As the number of drivers constantly increases through the United States, so does the demand for low cost
auto insurance policies. Current statistics show that 240 million motor vehicles are registered to over 190 million drivers. Consider the following state-by-state car insurance rate comparisons.
California auto insurance rates:
1. Accident and injury protection policies can be obtained for amounts between $15,000 and $30,000.
2. A total of $5,000 in property damage can be carried.
3. Uninsured or underinsured motorist policies, bodily damage insurance, collision, medical payment coverage, and comprehensive insurance are all different types of protection that California motorists can choose to carry if they wish.
In California, car insurance providers base their rates off of the following data:
1. Type of vehicle insured.
2. Driving record.
3. Age.
Virginia Car Insurance Coverage and Laws
Laws that differ from those of other states govern the insurance that drivers in Virginia must carry. For example, the driver who causes an accident is financially responsible for all injuries or personal damages incurred. There are three different kinds of Virginia car insurance policies.
1. Uninsured or underinsured motorist protection.
2. Property damage liability.
3. Bodily injury coverage.
4. The minimum coverage permitted is $25,000/$50,000/$25,000.
Car insurance in Virginia comes with the following minimums:
1. $25,000 per accident or injury.
2. $50,000 total for all injuries caused.
3. $20,000 for damage to property.
Regulations for Texas Car Insurance
Since there are many competitive car insurance offers in Texas, drivers need to take time to shop around before deciding on a policy. Texas law requires minimum liability insurance.
Coverage minimums:
$20,000 for each person in BI (Bodily Injury Liability)
$15,000 for each accident in PD (Property Damage coverage)
The comparison of car insurance companies in this article shows that California drivers receive the most coverage, although they also pay the most for their auto insurance policies.