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We provide clear, side-by-side comparisons of top insurance providers without hidden agendas.
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Expert Guides & Advice
Our long-form guides break down complicated coverage conversations into plain English.
2025 road safety snapshot
U.S. crash data is trending in the right direction
We analyze official NHTSA, NSC, and DOT releases so you understand the real risk landscape—not just marketing claims.
Mid-year fatalities
17,140
Deaths from January–June 2025, down 8.2% year-over-year, with the lowest rate (1.06 per 100M VMT) since 2014.
Projected 2025 total
37k–39k
NSC forecasts full-year fatalities continuing the decline that started in 2022, now 10 consecutive quarters of improvement.
Economic toll
$1.37T
Estimated 2025 societal cost when you combine medical bills, lost productivity, and quality-of-life losses.
State-by-state pulse
- California, Mississippi, and Rhode Island each posted 36–46% drops in deaths.
- Hawaii, Wyoming, and Oklahoma moved in the opposite direction, reminding us risk varies locally.
- Texas still reports ~3,700 deaths, with speeding & impaired driving leading the causes.
Why crashes happen
- 29% speeding, 28% impaired driving, 8% distraction.
- Pedestrian & cyclist deaths remain elevated, matching highs not seen since 2005.
- Black drivers still face 1.5× the fatality risk compared to white drivers.
Policy & enforcement
- Congress earmarked $5B over five years for local road safety grants.
- Florida’s no-fault rules correlate with a 12% rise in at-fault crashes.
- Nationwide, ~6M crashes still occur annually, reinforcing the need for proper coverage.
Sources: NHTSA, National Safety Council, U.S. DOT, Reuters, NSC Injury Facts (citations 1–12, 15–17).
Deep dives
Popular guides and checklists
Jump straight into our most referenced articles on coverage choices, pricing, and money-saving moves.
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State Requirements
Know Your Minimum Coverage
Choose any U.S. state to see the minimum liability limits, mandatory coverages, and where to confirm details with the DMV. This helps you shop for quotes that keep you compliant.
Liability LimitsBI/PD
- Bodily Injury / person$25,000
- Bodily Injury / accident$50,000
- Property Damage$25,000
Required Coverages
- Liability (BI/PD)
DMV Resource
Always verify current rules directly with your state. Minimums can change after legislative sessions.
Visit Alabama DMV →
Need legal guidance?
Speak with a Lawyer in Minutes
When an accident escalates into legal questions, get instant help from AskALawyerOnCall.com. Their on-demand attorneys can explain liability, settlement offers, and next steps so you can act with confidence.
*Affiliate partner. Speaking with a licensed attorney can help you document evidence, understand your rights, and move your claim forward faster.
Trusted & Authoritative Resources
We base our guides and advice on information from leading government and regulatory bodies.
National Association of Insurance Commissioners
The U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators.
Visit NAIC Consumer Info →U.S. Department of Transportation
The federal agency responsible for ensuring a fast, safe, efficient, accessible, and convenient transportation system.
Visit transportation.gov →State Insurance Departments via USA.gov
The official U.S. government portal to find your specific state's motor vehicle and insurance regulations.
Find Your State's Info →From Our Blog
Get the latest insights and advice from our insurance experts.
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What to Do After a Car Accident: A 10-Step Checklist
A car accident is stressful, but knowing what to do next is critical. Follow this step-by-step checklist to stay safe, protect your rights, and ensure a smooth insurance claim process.
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