This page sets out where the information on this site comes from, what standard each kind of claim has to meet, what I refuse to publish, and what happens when I get something wrong. It's written so you can hold me to it.

Who writes and checks this site

I do — Alonso Pinar Jiménez, working alone. I'm a web developer, not an insurance professional and not a lawyer, and I hold no industry credential. There is no second reviewer and no compliance desk. That's why this policy leans on linked sources you can open yourself rather than on my authority: my judgment isn't the guarantee here, the citation is.

Two standards, because there are two kinds of claim

Legal and procedural requirements

This covers whether a state uses an SR-22 or an FR-44, how long the filing must stay in place, what triggers it, which form applies, and the minimum liability limits.

  • The source is the state agency that sets the rule — DMV, BMV, DPS, Secretary of State, state insurance department — or the state statute itself.
  • The link goes to the page or document that contains the requirement, not to the agency's homepage. A homepage link proves nothing, and I no longer count one as a citation.
  • Each requirement carries the date I read it, because agencies revise these pages without notice.
  • Where a state's own pages are ambiguous or contradict each other, I say so in the guide instead of picking the tidier reading.
  • Where I could not open the state's source at all, the guide says the requirement is unverified rather than presenting it as checked.

Cost figures

Every dollar amount on this site is a statutory limit or a fee an agency publishes. I want to be exact about this, because it is the thing most easily misread:

  • What that means in practice. A minimum liability limit, a reinstatement fee, a judgment threshold: numbers a state sets and prints, linked to the page that prints them. Until 20 August 2026 this site also carried premium estimates from comparison sites — Insurify, MoneyGeek, ValuePenguin, Policygenius, Clearsurance and similar. It does not any more, and the reason is in the rule below.
  • A figure without the date it was read does not get published. Comparison sites revise and drop their averages without announcing it, so a rate quoted with no retrieval date cannot be checked by you on the day you read it — which is the whole point of citing it. That rule is why this site currently publishes almost no premium figures at all, and it is the honest position: no insurer publishes a rate for an individual record, and an average built for somebody else's constructed driver profile is not one.
  • These are not quotes. I don't operate a rate engine, I take no information about you, and I have no arrangement with any insurer. Nothing on this site can tell you what you will be charged.
  • What decides your own price is not on this site and cannot be. Your record, ZIP code, vehicle and the reason for your filing move it, often by a lot, and no published figure of anyone's knows any of those things about you.
  • I don't average conflicting figures. Where two sources disagree on a statutory amount or a fee, both appear with their origin. A blended average would look more authoritative and mean less.
  • Where a state's own source could not be reached or does not answer the question, the guide says so in a section of its own rather than padding the table — and it never substitutes a commercial source for the official one it could not open.

What does not count as a source

  • Forum and social posts. Reddit, Facebook groups, and Q&A sites are not evidence of what a state requires or what insurance costs. If you find one cited in an older guide, it's a leftover from before this policy — report it and I'll remove it.
  • Driving schools, DUI-class providers, law-firm marketing pages, and lead-generation sites. They're downstream of the same agency pages I read, and they go stale silently.
  • My own memory, and the output of an AI model. Neither is a source. Both can be wrong with total confidence.

Where this site currently falls short of this policy

A policy nobody audits is decoration. This one is audited against the site, and where the site has failed it, the failure is written down with a date in the corrections log rather than quietly smoothed over. That log is the record of what went wrong and what replaced it. What follows here is the shorter and more useful list: the limits that are still true today.

  • One of the sixty-one articles carries no linked source. It is the guide to SR-22 after too many points, and it says so on the page, with the reason. Points schedules are set state by state and the state pages that would settle them refuse this connection; citing a comparison site for a legal threshold instead is precisely what this policy forbids.
  • This site publishes almost no prices. That is a real limit and not a virtue to boast about: a reader arriving with "how much will this cost me" leaves without a number. The reason is in the rule above — no insurer publishes a rate for an individual record, and the averages that circulate are undated figures for constructed driver profiles. Until this site can collect quotes of its own, on a stated profile, on a stated date, it will keep saying what sets the price rather than naming one.
  • Five states block this server, so their sources are read in an archived copy. Illinois, New York, Michigan, North Carolina and Missouri return errors to the connection this site runs on. Their guides link the official page and the archived copy of that same page, and say which one was actually read. An archived copy of the right URL is weaker than the live page and stronger than a secondary source; it is not pretended to be anything else.
  • There is no second reviewer. One person writes, checks and publishes everything here, with no editor and no compliance desk. The citation is the guarantee, not my judgment — which is why a claim without one gets removed rather than softened.

The list below is what has already been fixed, kept here because the fixes changed what several guides can tell you:

  • Sources this policy rules out were cited across most of the site. They have been removed. Insurance agencies, brokerages and lead-generation sites were the named source for statements in a majority of the guides — in several cases for a legal requirement, which is exactly where this policy demands a state source. None of them is the source for a legal requirement here now. Where a state source could be found it replaced them; where none could be found, the claim came out and the guide says so. Every one of those removals is listed, dated, in the corrections log.
  • That removal changed what four guides can tell you, and two of them were wrong. Checking against the state sources turned up two factual errors that had come in through those citations — Maine's minimum coverage and Georgia's SR-22A form were both described incorrectly. Both are corrected, with the statute and the agency page linked. Elsewhere the honest replacement was an absence: several guides now say they have no sourced figure where they used to print one.
  • Individual customer comments are no longer used as evidence. Company reviews here used to quote single anonymous complaints from review platforms to support points about pricing. That is the same failure as citing a forum. They are gone; aggregate ratings with their sample sizes remain, because a rating over 500 reviews is a measurement and one person's account is not.
  • Every guide now carries work of my own rather than only other people's figures. The work is the assembly: agencies publish a fee on one page, a filing period on another and a form somewhere else, and almost never in one table. Where a guide reaches a conclusion by putting them together it says the conclusion is mine, not the agency's, and shows the rows it came from. Several of those tables exist because this site got something wrong first.
  • The undated rate tables were removed rather than dated after the fact. Of 132 rate rows carried on the state guides, 126 had no retrieval date. Dating them retrospectively would have been a guess dressed as a record, and the sites they came from refuse connections from this server, so they could not be re-checked either. They were taken out.
  • The sources block is no longer gated on the page being about a state. It used to render only on the twenty-seven state guides, because the template asked whether the page was about a state rather than whether it had sources. That single gate is most of why this site once had pages making regulatory claims with nothing to check them against. 65 of the 65 articles now carry a link to an official source in the body of the page itself, next to the claim it supports, rather than only in a block at the foot. That count is computed from the articles at build time, not typed in, because the typed version of it had already gone stale once.

If you find something on this site that is wrong and is not in the corrections log, tell me and it will be.

No invented numbers

I don't publish star ratings, satisfaction scores, "editor's picks," rankings, or award badges of my own. I have no methodology that would justify them, and no panel of testers. Where a rating appears, it belongs to a named third party and is attributed to them. If I don't have a sourced number, the guide says the number isn't available.

How I use AI

I use AI tools while drafting and editing — structuring an outline, tightening a paragraph, catching my own bad English. I don't use them as a source of facts. Requirements, forms, deadlines, and figures are taken from the statute, the administrative rule or the agency form that sets them — never from a comparison site — and checked by me before publication, and I'm responsible for everything on the site whether a model touched the sentence or not.

Dates, updates, and what "last updated" means

  • The publication date is the date I wrote the guide. A large part of this site was published in one batch, so many guides share that date.
  • The last-updated date changes only when the content changes. I don't refresh dates to look current — a stale date is information, and hiding it would be the actual problem.
  • When a state changes a filing period, a form, or a coverage minimum and I learn about it, I update the guide, the citation, and the date together.

Corrections

Send it to me through the contact page with the page and, if you have it, the source that contradicts me. Then:

  • If a legal requirement is wrong, I check the state's own page and correct the guide, and I add a short dated note on it saying what changed.
  • If a figure can't be traced to a named, linkable source, it comes out of the table rather than staying up unattributed.
  • If a source has gone dead, I either find the agency's current page or mark the claim as unverified.

Corrections are made on the page itself. I don't quietly delete a page to make an error disappear.

Independence and money

The site earns from display advertising served by an ad network. Advertisers don't select, review, or approve content, and I don't know in advance which ads will run against a guide. No insurer or agency pays to be included, described favorably, or placed anywhere in a table or list. The Advertiser Disclosure covers the commercial side in full.

The limits of this policy

Careful sourcing makes a guide a good starting point. It doesn't make it advice, and it can't make it apply to you. For a price, call insurers or a licensed agent in your state. For the status of your own filing or suspension, call your state agency. For anything a court ordered, talk to a lawyer licensed where your case sits.