State minimums are a floor, not a recommendation
Every state publishes a minimum liability requirement. US360 documents each requirement in the state hubs and the car insurance library.
Trend analysis · Insurance
Insurance Trends 2026
Why the same driver pays very different premiums in different states.
Published May 27, 2026 · Last updated Jul 5, 2026 · 9 min read
Editorial details
Author
Priya Raman
Personal Finance Editor
Reviewer
Daniel Okafor
Senior Careers Writer
Published
May 27, 2026
Version 1.0
Last reviewed
Jul 5, 2026
9 min read
Editor's review: Premium figures are not published. Rate filings differ per carrier and per state.
Key findings
What the data shows
- Minimum auto coverage is set per state and is frequently lower than a household actually needs.
- Deductible choice, not carrier choice, drives most of the premium difference households control.
The report
A structural review of auto, health, renters and home insurance requirements across states.
Data visuals
Charts and tables
Every visual states whether it is derived from published US360 data or a labelled placeholder, and every chart can be read as a data table.
Sample layout only. US360 has not connected a dataset for this visual, so no values are shown.
Placeholder. Premium data requires carrier rate filings US360 has not yet licensed.
Sources
Where this data comes from
US360 never presents a third-party statistic as its own. Each source below is labelled by origin.
- State agency
State insurance departments
Minimum coverage requirements.
- US360 editorial analysis
US360 state dataset
Per-hub insurance narrative.
Limitations
- No premium figures are published in this edition.
Download center
Files, versions and dates
Each file carries its version number and publication date. Files are prepared by the research desk and released with the report edition.
- Insurance Trends 2026Data brief · v1.0 · May 27, 2026Preparing
Corrections & versions
What changed, and when
Version history
- v1.0 — May 27, 2026First publication.
Corrections
No corrections have been issued for this report. Corrections are always published here with the date and what changed.
Related rankings
Compare the states behind it
Most Affordable States
Where does an average household budget stretch furthest?
- 1Mississippi99.7
- 2Iowa95.8
- 3Kentucky95.1
US360 analysis of published data
Trust & transparency
How to read US360 research
How reports are created
A researcher drafts from the shared state dataset, a second researcher recomputes every composite, and an editor reviews the wording before publication.
How data is verified
A measure only enters a ranking when the same field exists for all 51 hubs. Anything partial stays a labelled placeholder.
When reports are updated
Annual reports are re-published yearly with a mid-year review. Rankings recompute with the dataset and are reviewed at least twice a year.
Known limitations
State-level figures cannot describe a specific city or neighbourhood, and several important measures are still unsourced. Each report lists its own limits.
Corrections process
Corrections are published on the report page with the date and the change, and the version history records what moved.
Reader feedback
Anyone can flag a figure through the contact page. Flagged figures are re-checked before the next review date.
US360 Insights Weekly
US360 Insights Weekly
One email a week from the research desk
New research, updated rankings, data stories, state trends and editorial analysis — with every source named.
No spam. Unsubscribe in one click.