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Sources

Every factual claim on this site should trace to one of these. If you find one that does not, tell us and we will fix or remove it.

California Legislative Information

  1. Insurance Code § 1861.02 — rating factors and Good Driver Discount — Rates must be determined by, in decreasing order of importance, driving safety record, annual miles driven and years of driving experience; optional factors may follow. Good Driver Discount policies must be at least 20% below the rate otherwise charged.

Florida Senate

  1. Fla. Stat. § 627.0652 — discount for completing an accident prevention course — Rates for liability, PIP and collision must include a premium reduction when the principal operator is 55 or older and completes an approved course; effective three years; may be conditioned on no at-fault crash or moving violation.

Texas Department of Insurance

  1. Companies may offer auto insurance discounts. No law requires discounts. (2025) — No Texas law or rule mandates auto insurance discounts (for age, low mileage or anything else) or puts a time limit on them; advertising that says otherwise is misleading.

Insurance Information Institute

  1. Background on: Pay-as-you-drive auto insurance (telematics) — Usage-based and per-mile pricing models, what telematics programmes measure, and state limits on their use.
  2. Background on: Insurance scoring — What credit-based insurance scores are; Arkansas regulator data showing credit lowered premium on ~57% of auto policies and raised it on ~23%.
  3. Automobile financial responsibility limits by state (2023) — Compulsory coverages and minimum liability limits by state (table dated December 2023 — several states have raised limits since; see statute entries).
  4. Drivers in fatal motor vehicle crashes by age, 2023 (2025) — Fatal-crash involvement per 100,000 licensed drivers: 42.40 (16–20), 35.34 (21–24), 28.97 (25–34), 24.18 (35–44), 21.70 (45–54), 19.45 (55–64), 15.44 (65–74), 16.63 (75+).
  5. Nine ways to lower your auto insurance costs — Shop at least three quotes; raising a deductible from $200 to $500 can cut collision/comprehensive cost 15–30%, $1,000 can save 40%+; drop physical damage on cars worth under 10× the premium; bundling, low-mileage and good-student discounts.
  6. What is covered by a basic auto insurance policy? — Defines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
  7. How much auto coverage do I need? — Why state minimums are a floor; choosing liability limits that protect assets; when collision and comprehensive are worth keeping.
  8. What determines the price of an auto insurance policy? — Rating factors: driving record, mileage, location, age, gender, vehicle, credit-based insurance score, coverage choices. Notes ZIP-code rating is prohibited in California and Michigan and gender rating is prohibited in seven states.

Insurance Institute for Highway Safety

  1. Teenagers — Teen crash risk, graduated driver licensing research and vehicle recommendations for young drivers.
  2. Graduated licensing laws by state — State-by-state learner, intermediate and full-licence ages, night-driving and passenger restrictions.
  3. Fatality facts: Teenagers (2024) — Fatal crash rate per mile driven for 16–19-year-olds is just over 3 times the rate for drivers 20 and older (2022 travel data); all-severity crash rate is over 4 times; risk is highest at 16–17.

National Association of Insurance Commissioners

  1. 2019–2023 Auto Insurance Database: average premium supplement (2025) — Countrywide average expenditure $1,281 in 2023 (+13.98%); combined average premium $1,438; state tables for liability, collision and comprehensive.
  2. Consumer insurance information — Plain-language guides from the body of state insurance regulators; links to every state's insurance department and complaint process.

Consumer Federation of America

  1. Insurance research and advocacy — Consumer-side research on auto insurance pricing, non-driving rating factors and affordability.

Consumer Reports

  1. Car insurance — Independent testing organisation's guides to comparing policies and insurers.

United Policyholders

  1. Auto insurance basics — Plain-language coverage explanations from a policyholder-advocacy non-profit.

Linked publishers do not endorse this site. Practical checklists and recommendations are original editorial guidance; see our methodology.