{"site":{"name":"Auto Insurance Atlas","url":"https://autoinsuranceatlas.com","description":"A source-backed auto insurance decision engine for comparing carriers, state requirements, vehicle risk, rate filings, and coverage options before sharing personal information."},"generatedAt":"2026-05-17T01:35:31.080Z","answerTargets":[{"canonicalUrl":"https://autoinsuranceatlas.com/auto-insurance/california","question":"What car insurance is required in California?","shortAnswer":"California requires minimum liability coverage of $30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $15,000 for property damage.","updatedAt":"2026-05-16","sources":[{"name":"California DMV insurance requirements","url":"https://qr.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/"},{"name":"California Department of Insurance auto insurance guide","url":"https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/"}],"relatedEntities":["California","minimum liability coverage","state DOI"]},{"canonicalUrl":"https://autoinsuranceatlas.com/auto-insurance/texas","question":"What is the minimum auto insurance coverage in Texas?","shortAnswer":"Texas requires 30/60/25 liability coverage: $30,000 for injuries per person, $60,000 total per accident, and $25,000 for property damage per accident.","updatedAt":"2026-05-16","sources":[{"name":"Texas Department of Insurance auto insurance guide","url":"https://www.tdi.texas.gov/pubs/consumer/cb020.html"}],"relatedEntities":["Texas","30/60/25 liability coverage","Texas Department of Insurance"]},{"canonicalUrl":"https://autoinsuranceatlas.com/auto-insurance","question":"What car insurance is required in my state?","shortAnswer":"Auto insurance requirements are state-specific. Start with your state minimum liability limits, then check whether your state also requires PIP, uninsured motorist coverage, or no-fault benefits.","updatedAt":"2026-05-16","sources":[{"name":"state DOI requirement tables"},{"name":"NAIC state regulation references"}],"relatedEntities":["state requirements","liability limits","PIP","UM/UIM"]},{"canonicalUrl":"https://autoinsuranceatlas.com/insurance-companies","question":"Which car insurance companies get the most complaints?","shortAnswer":"Use complaint index instead of raw complaint count. A lower complaint index means the carrier receives fewer complaints than expected for its market size.","updatedAt":"2026-05-16","sources":[{"name":"NAIC complaint data"},{"name":"state DOI complaint records"}],"relatedEntities":["NAIC complaint index","carrier complaint ratio","market share"]},{"canonicalUrl":"https://autoinsuranceatlas.com/compare/geico-vs-state-farm","question":"Is GEICO or State Farm better for car insurance?","shortAnswer":"Neither GEICO nor State Farm is always better. Compare them by your state, driver profile, complaint index, financial strength, discounts, and the coverage features you actually need.","updatedAt":"2026-05-16","sources":[{"name":"NAIC complaint data"},{"name":"AM Best ratings"},{"name":"carrier market data"}],"relatedEntities":["GEICO","State Farm","NAIC","AM Best"]},{"canonicalUrl":"https://autoinsuranceatlas.com/tools/teen-driver-calculator","question":"How much does it cost to add a teenager to car insurance?","shortAnswer":"Adding a teen driver is usually one of the largest auto insurance cost increases for a household. The final cost depends on age, state, vehicle, grades, driving record, and coverage level.","updatedAt":"2026-05-16","sources":[{"name":"state rate data"},{"name":"carrier discount data"},{"name":"vehicle safety data"}],"relatedEntities":["teen driver","good student discount","vehicle risk"]},{"canonicalUrl":"https://autoinsuranceatlas.com/tools/sr22-calculator","question":"How much does SR-22 insurance cost?","shortAnswer":"An SR-22 is usually a filing that proves financial responsibility; the expensive part is often the violation or high-risk status that caused the filing requirement.","updatedAt":"2026-05-16","sources":[{"name":"state DOI requirements"},{"name":"violation premium impact data"}],"relatedEntities":["SR-22","high-risk driver","state filing"]},{"canonicalUrl":"https://autoinsuranceatlas.com/speeding-ticket-insurance-increase/california","question":"How much does car insurance go up after a speeding ticket?","shortAnswer":"A speeding ticket can raise auto insurance for several renewal cycles, but the increase depends on the state, speed, carrier, prior record, and whether the violation appears on your motor vehicle report.","updatedAt":"2026-05-16","sources":[{"name":"state rate filing data"},{"name":"violation premium impact data"}],"relatedEntities":["speeding ticket","premium increase","California"]},{"canonicalUrl":"https://autoinsuranceatlas.com/dui-insurance-increase/california","question":"How much does car insurance go up after a DUI?","shortAnswer":"A DUI can move a driver into a high-risk insurance tier, trigger SR-22 or similar filing requirements in some states, and limit carrier availability.","updatedAt":"2026-05-16","sources":[{"name":"state filing requirements"},{"name":"violation premium impact data"}],"relatedEntities":["DUI","premium increase","SR-22"]},{"canonicalUrl":"https://autoinsuranceatlas.com/tools/vin-decoder","question":"Can I estimate car insurance from a VIN?","shortAnswer":"A VIN can help estimate insurance because it identifies the vehicle year, make, model, body style, engine, restraint systems, and other specs insurers may use in rating.","updatedAt":"2026-05-16","sources":[{"name":"NHTSA VIN decoder"},{"name":"vehicle safety ratings"},{"name":"recall data"}],"relatedEntities":["VIN","NHTSA decode","vehicle trim","insurance estimate"]},{"canonicalUrl":"https://autoinsuranceatlas.com/tools/deductible-calculator","question":"What car insurance deductible should I choose?","shortAnswer":"Choose a deductible you could comfortably pay after a claim. Higher deductibles can lower premiums, but they shift more repair cost onto you after an accident or comprehensive loss.","updatedAt":"2026-05-16","sources":[{"name":"coverage calculator assumptions"},{"name":"claims cost references"}],"relatedEntities":["deductible","collision coverage","comprehensive coverage"]},{"canonicalUrl":"https://autoinsuranceatlas.com/rate-filings","question":"Why did my car insurance go up?","shortAnswer":"Car insurance can rise because of carrier-wide rate filings, higher repair and medical costs, local claim trends, vehicle risk, coverage changes, or changes in your own driving profile.","updatedAt":"2026-05-16","sources":[{"name":"state DOI rate filings"},{"name":"carrier filing documents"}],"relatedEntities":["rate filing","state DOI","premium increase"]},{"canonicalUrl":"https://autoinsuranceatlas.com/most-stolen-cars","question":"Which cars are most likely to be stolen?","shortAnswer":"The cars most likely to be stolen vary by year, location, and theft trend. Theft risk matters for comprehensive coverage and can affect the total cost to insure a vehicle.","updatedAt":"2026-05-16","sources":[{"name":"NICB theft statistics"},{"name":"NHTSA vehicle data"}],"relatedEntities":["vehicle theft","NICB","comprehensive coverage"]}]}