All 50 states + DC, ranked and tiered for MVA case acquisition. Case-qualification law, coverage rules, competition, and the estimated cost per signed case in every market. Verified August 2026.
The 10 Tier 1 markets for 2026. Spoiler: the famous states didn't make the list, and one Tier 1 state pairs the highest fatality rate of any sizable state with the lowest lawyer density in America.
Every state's estimated CPL and cost per signed case at three conversion rates. Several Tier 1 markets price at roughly half the $2,500–$4,500 industry benchmark.
9 states rewrote their MVA rules since 2023: Florida's HB 837, Georgia's SB 68/69, Louisiana's Act 423, and more. If your strategy predates 2023, it's priced on laws that no longer exist.
Five jurisdictions still run contributory negligence, where 1% of plaintiff fault can kill the claim. They punish weak intake and quietly reward firms with disciplined screening.
Uninsured-driver rates by state, topping out at 28%. In those markets, UM coverage screening at intake is the difference between a case and a condolence call.
Qualification law, settlement & coverage, competition, and volume, blended into one composite score and a tier ranking for all 51 jurisdictions, so you know exactly where your market stands.
Built from NHTSA FARS crash data, Insurance Research Council uninsured-motorist studies, ABA lawyer population data, 2025–26 legislative records, and published 2026 lead-cost benchmarks. Estimates are directional planning figures, not quotes.
"I'm surprised, blown away. We're only 2–3 weeks in and we're already seeing commercial vehicle and tractor-trailer cases coming through."
"Consistent results at a cost per acquisition we're very comfortable with, right around $1,100 per signed case."
"The system is easy to use and our clients are happy. It just works the way they said it would."
The report is free, takes ten minutes to read, and covers your state whether you're in a Tier 1 goldmine or a saturated giant.
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