Author
Managing Editor
Sarah Mitchell is the Managing Editor of Best Insurance Guide. She leads the editorial team that researches, writes and fact-checks our guides on home, auto and renters insurance, working with our contributors to verify claims against regulator and industry sources before publication. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
Kansas requires personal injury protection, which means your own policy pays your medical bills first regardless of fault. That changes how you should set the limits.
Kentucky lets drivers reject no-fault in writing and keep an unrestricted right to sue. Almost nobody knows the choice exists, and it changes what a serious claim is worth.
Montana combines the country's highest animal collision odds with air ambulance distances and a high uninsured driver rate. All three argue for buying more than the minimum.
Pennsylvania sets some of the lowest liability minimums in the country and then asks every driver to choose between full and limited tort. Both facts decide what a claim pays.
Philadelphia is the most expensive place in Pennsylvania to insure a car, and the cheapest-looking policies get there by selling away your right to claim for pain and suffering.
Missouri makes uninsured motorist cover mandatory and still has one of the higher uninsured rates in the country. That combination should change what you buy, not just where you shop.
South Carolina lets a driver register a vehicle without insurance by paying a fee, and it makes uninsured motorist cover mandatory. Both facts should change what you buy.
A non-owner policy covers your liability when you drive vehicles you do not own. Who genuinely needs one, what it refuses to cover, and why a gap in cover is expensive.
Arkansas insurers must offer personal injury protection and uninsured motorist cover, and most drivers sign them away on a form they never read. That is where the cheap quote comes from.
Oklahoma pairs one of the country's highest uninsured driver rates with automated enforcement and severe hail. All three should change what you buy, not just where you shop.
Georgia has one of the widest urban-to-rural premium spreads in the country and permits credit-based scoring. Both matter more than which insurer you pick.
If an uninsured driver hits you, a collision deductible waiver removes your deductible entirely. It costs a few dollars a year and most drivers have never been offered it.
