Pepperdine’s Gia Luisa Honnen Helps Drivers Navigate State-by-State Auto Insurance Differences on WalletHub

Dr. Gia Luisa Honnen, faculty member at the Pepperdine Graziadio Business School, was recently featured on WalletHub, where she shared expert insights on why car insurance laws vary significantly across states.

Honnen explained that each state sets its own rules regarding minimum coverage, required types of insurance, and how claims are handled. These variations stem from local factors such as accident rates, weather risks, population density, and state-level policy preferences. She also noted that whether a state operates under a “fault” or “no-fault” system significantly influences insurance requirements for drivers.

Additionally, Honnen shared her perspective on the pros and cons of choosing a national versus a local insurance provider. National insurers often offer superior digital tools, broader coverage options, and around-the-clock customer service, while local companies can provide more personalized support and in-depth knowledge of regional risks and regulations.

Her expert commentary helps drivers better understand the nuances of auto insurance and how local laws and provider choice can impact their coverage.

Read the full article here.