How does car insurance work in America, and how much does it cost on average?

How does car insurance work in America, and how much does it cost on average?

just want to know how it works over in the USA compared to britain.

Rogue

It is quite similar to the system in the UK. The terminology is different for different things but it is functionally the same.The US government does not regulate motor vehicle insurance. It is left up to the individual states to license and regulate insurers and pass whatever laws regarding insurance and auto accidents they feel are appropriate for their state. With 50 states and several other jurisdictions like Washington DC and several territorial governments it sounds like a crazy mess but in practice the laws are usually quite similar from place to place. If you are in an accident in a state where you are required to have certain coverages that you do not have in your home state then your policy automatically changes and allows for up to whatever the minimum coverages are in the state where the accident occurred.The legal system for dealing with accidents is based on English law except in the state of Louisiana (where it's a mixture of English and French law) so it would not be unfamiliar. There are a few places like Indian reservations where other legal systems may apply.Pricing varies widely from place to place depending on population density and the types of vehicle driven. I'd suspect an average couple over 25 with no kids would pay around Rogue

It is quite similar to the system in the UK. The terminology is different for different things but it is functionally the same.The US government does not regulate motor vehicle insurance. It is left up to the individual states to license and regulate insurers and pass whatever laws regarding insurance and auto accidents they feel are appropriate for their state. With 50 states and several other jurisdictions like Washington DC and several territorial governments it sounds like a crazy mess but in practice the laws are usually quite similar from place to place. If you are in an accident in a state where you are required to have certain coverages that you do not have in your home state then your policy automatically changes and allows for up to whatever the minimum coverages are in the state where the accident occurred.The legal system for dealing with accidents is based on English law except in the state of Louisiana (where it's a mixture of English and French law) so it would not be unfamiliar. There are a few places like Indian reservations where other legal systems may apply.Pricing varies widely from place to place depending on population density and the types of vehicle driven. I'd suspect an average couple over 25 with no kids would pay around Rogue

It is quite similar to the system in the UK. The terminology is different for different things but it is functionally the same.The US government does not regulate motor vehicle insurance. It is left up to the individual states to license and regulate insurers and pass whatever laws regarding insurance and auto accidents they feel are appropriate for their state. With 50 states and several other jurisdictions like Washington DC and several territorial governments it sounds like a crazy mess but in practice the laws are usually quite similar from place to place. If you are in an accident in a state where you are required to have certain coverages that you do not have in your home state then your policy automatically changes and allows for up to whatever the minimum coverages are in the state where the accident occurred.The legal system for dealing with accidents is based on English law except in the state of Louisiana (where it's a mixture of English and French law) so it would not be unfamiliar. There are a few places like Indian reservations where other legal systems may apply.Pricing varies widely from place to place depending on population density and the types of vehicle driven. I'd suspect an average couple over 25 with no kids would pay around Rogue

It is quite similar to the system in the UK. The terminology is different for different things but it is functionally the same.The US government does not regulate motor vehicle insurance. It is left up to the individual states to license and regulate insurers and pass whatever laws regarding insurance and auto accidents they feel are appropriate for their state. With 50 states and several other jurisdictions like Washington DC and several territorial governments it sounds like a crazy mess but in practice the laws are usually quite similar from place to place. If you are in an accident in a state where you are required to have certain coverages that you do not have in your home state then your policy automatically changes and allows for up to whatever the minimum coverages are in the state where the accident occurred.The legal system for dealing with accidents is based on English law except in the state of Louisiana (where it's a mixture of English and French law) so it would not be unfamiliar. There are a few places like Indian reservations where other legal systems may apply.Pricing varies widely from place to place depending on population density and the types of vehicle driven. I'd suspect an average couple over 25 with no kids would pay around $1200 a year for a couple of 5-year old cars in middle-America. It can run several thousand more for newer cars closer to large cities.Source(s):Claims Examiner

200 a year for a couple of 5-year old cars in middle-America. It can run several thousand more for newer cars closer to large cities.Source(s):Claims Examiner

200 a year for a couple of 5-year old cars in middle-America. It can run several thousand more for newer cars closer to large cities.Source(s):Claims Examiner

200 a year for a couple of 5-year old cars in middle-America. It can run several thousand more for newer cars closer to large cities.Source(s):Claims Examiner

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