What's changed

1. September 22, 2026

   One set of math, what-ifs, and comparing cars

   The made-up sample figures are gone. Every dollar on the site now comes from one set of math, starting from what you pay (if you tell us) or a typical price for your state. The home page answers “what if I changed one thing?”, and the new Compare page prices up to 15 cars for the same driver, with sorting, stars, a spreadsheet, and share links that carry your choices, not our estimates.

   Every state's minimums, and a typical price for each state

   All 50 states and DC now have their legal minimum coverage, each with at least one source link and its own check date (50 of the 51 with all three dollar limits). Where we couldn't confirm something, the row says so instead of guessing. We also added a typical yearly price for each state, from the National Association of Insurance Commissioners' 2023 figures, used with credit. The math starts from it when you don't enter what you pay.

2. September 21, 2026

   The first version of the math

   At first it only worked from a premium you entered; the typical state prices came the next day. Share links remember which version of the math made them, and carry your choices, not our estimates. If you open a link made with older math, the page says so and works the numbers out with today's.

   The list of cars

   A list of cars from two government datasets, covering model years 2006 through 2027. An optional VIN is looked up by your browser and not kept.

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