A Message from Insurance Commissioner Wayne Goodwin
Learning to drive a car can be a lot of fun, but it can cost a lot of money as well. Besides car payments, gas, oil changes, tires and such, you or your parents also have to pay for auto insurance. Inexperienced drivers are much more likely to be in an accident than drivers with more experience, so you’ll be paying higher premiums until you have a few years of good driving under your belt.
Driving without insurance can end up costing you even more. First, it’s against the law. Second, if you are responsible for an accident, then you will also be responsible for the cost of bodily injury and property damage to victims and their vehicles. If you don’t have insurance—or enough insurance—it could cause serious financial trouble for you and your family.
So, when it comes to insurance, it pays to be a safe driver. If you’re not following the rules of the road, your insurance costs will go up. Just being convicted of running a stop sign can make your insurance premium go up by 30 percent. If you are convicted of driving while impaired, your premiums can more than triple!
While auto insurance can be confusing, we hope you will use the resources on this website to learn how to protect yourself and make ‘cents’ of auto insurance.