Auto insurance
Liability, comprehensive and collision on one policy, with uninsured motorist written to match your bodily injury limits.
- BI / PD limits
- 100/300/50
- Comp / coll deduct.
- $500 / $500
- UM / UIM
- 100/300
$1,284 / yrSample. Not a quote.
Where we are licensed, and who regulates us
Insurance is licensed and rated state by state. Availability, forms, endorsements and price all change at the state line, and this page says exactly how.
The schedule
A licence to write in a state is not the same as every line being available there. Where the schedule says personal lines, we do not currently write business owner policies in that state, and an agent will tell you so rather than quoting something we cannot bind.
| State | License | Admitted | Lines available | Regulator |
|---|---|---|---|---|
| Ohio (OH) | OH-1948-0221 | 1948 | All lines | Ohio Department of Insurance |
| Michigan (MI) | MI-1948-0412 | 1954 | All lines | Michigan Department of Insurance and Financial Services |
| Indiana (IN) | IN-1948-0308 | 1957 | All lines | Indiana Department of Insurance |
| Pennsylvania (PA) | PA-1948-0509 | 1961 | All lines | Pennsylvania Insurance Department |
| Kentucky (KY) | KY-1948-0144 | 1966 | Personal lines, BOP | Kentucky Department of Insurance |
| West Virginia (WV) | WV-1948-0097 | 1968 | Personal lines, BOP | West Virginia Offices of the Insurance Commissioner |
| Illinois (IL) | IL-1948-0603 | 1972 | All lines | Illinois Department of Insurance |
| Wisconsin (WI) | WI-1948-0455 | 1975 | All lines | Wisconsin Office of the Commissioner of Insurance |
| Minnesota (MN) | MN-1948-0338 | 1979 | All lines | Minnesota Department of Commerce |
| Iowa (IA) | IA-1948-0212 | 1983 | Personal lines, BOP | Iowa Insurance Division |
| Missouri (MO) | MO-1948-0527 | 1988 | All lines | Missouri Department of Commerce and Insurance |
| Nebraska (NE) | NE-1948-0119 | 1994 | Personal lines | Nebraska Department of Insurance |
| Kansas (KS) | KS-1948-0286 | 1999 | Personal lines | Kansas Insurance Department |
| Tennessee (TN) | TN-1948-0641 | 2007 | Personal lines, BOP | Tennessee Department of Commerce and Insurance |
Why the same policy costs different money in Toledo and in Erie
Every rate a carrier charges in the United States is filed with, and in most cases approved by, the state regulator. So is every policy form and every endorsement. Two households with identical risk profiles thirty miles apart across a state line can be quoted very different numbers, and neither quote is wrong.
On top of the filed rate, the loss environment genuinely differs. Lake effect snow, hail frequency, sewer backup exposure in older housing stock, litigation climate and uninsured motorist rates all vary by state and by county. That is what the ZIP code question on the quote form is actually for.
Price the whole structure, not one piece of it.
Four steps, about sixty seconds, and no obligation. An agent reviews every line together so the limits actually meet.