r/Insurance: rules, karma requirements and posting culture

Who posts here

Most posters are ordinary policyholders in the middle of their first claim, and many open by saying they have no experience with any of this. The FAQ explains what a deductible is and why "full coverage" means nothing in the industry. Basic questions get answered, not sent away. The answers are written by people in the trade and use terms like subrogation and underinsured cover without much hand-holding.

• Drivers who were just in an accident and do not know whether to call their own insurer.
• Policyholders stuck in a slow or disputed claim: a total loss valuation, a fault split, an unpaid life policy.
• Young or new drivers shocked by a quote, and parents adding a teenager.
• Agents, adjusters and underwriters who answer, correct each other and sometimes ask shop-talk questions of their own.
• People comparing notes on premium increases and whether a particular cover is worth having.

Karma and account requirements

What it takes to get a post through in r/Insurance.

What you can post

What happens to a new post

Where the most recent posts ended up. Sample size: 400.

• Stayed up87%
• Removed by Reddit's filters11%
• Removed by moderators1%
• Deleted by the author1%

Reddit counts a removal by the subreddit's own AutoModerator rules as a moderator removal, so that share is not all human. Held by AutoModerator means the post is waiting in the mod queue.

What happened when we posted here

We have posted here ourselves. This is how our own posts and comments fared.

Stayed up

100%

Removed by Reddit's filters

0%

Removed by moderators

0%

Period

November 2025 to August 2026

The rules, in the mods' words

1. 1

   Solicitation

   The only rule of r/Insurance is that solicitation is prohibited. This means asking people to PM for any reason, offering to quote coverages for visitors, or soliciting agents and/or buyers to use your particular carrier. r/Insurance should be a place where people come to exchange information and ask questions without worrying about solicitation from agents. This includes adjusters, underwriters and brokers since we do not vet anyone.

These are the rules as archived in January 2025. Rules change. Check the sidebar before you post.

The culture

r/Insurance calls itself a community of insurance professionals and geeks, and its first stated goal is helping people with their insurance questions. In practice it is a help desk for people having a bad week. Someone was rear-ended, a car was written off for less than expected, a renewal jumped by hundreds of dollars, and they want to know what happens next. It runs at about 39 posts a day with nine comments on a typical post.

Car insurance dominates. Accident, claim, fault, adjuster and total loss are the vocabulary of the place, and the big carriers are named constantly, usually by frustrated customers. Home, health and life questions appear but are a small share. Posts are long for Reddit, around 160 words, because people tell the whole story.

The tension is between what posters hope to hear and what the professionals say. Ask whether a rich friend can skip insurance and twenty people tell you it is illegal and a bad idea. Ask about "hacks" for cheaper cover and the answer is that most of them are fraud. The tone is direct, sometimes sarcastic, and rarely cruel. The FAQ warns that when people press you for details they are not doubting your honesty.

What lands

• A fraud or scam story where you caught it: a neighbour wanting to add you to her policy to cut her premium, or a staged accident in a car park.
• A real settlement or quote with the actual figures. A post about a five figure settlement that left the claimant with about a thousand dollars drew over 700 comments.
• A clear claim question with the state, the timeline and what the insurer has said so far.
• A sticker shock post, such as the cost of adding a 16 year old driver. Everyone has an opinion.
• A how-does-this-work question from outside the usual, like who absorbs the loss when a big concert is cancelled.

What gets removed or ignored

• Solicitation of any kind. The sidebar says the mod team is active and you will be banned.
• Comments or posts asking someone to PM you. The rule treats that as solicitation whatever the reason.
• News articles posted as if they were discussion. The few hand removals in our sample were mostly reposted news stories, one of them carrying a publisher's tracking link.
• Moderator removals are rare, about 1%. Reddit's own filters remove roughly 10%, and the sidebar says to message the mods with a link if your post is not visible.

The unwritten rules

• Lead with your state or country. Fault rules, minimum cover and claim deadlines all change at the border, and it is the first thing you will be asked.
• Give the facts in order: what happened, who has admitted what, which insurers are involved, what you have been told. Leave the outrage for the end.
• Do not ask how to get away with something. Questions about lying on a policy or driving uninsured get a wall of people explaining why not.
• Threads get locked by a bot to fight spam and soliciting. If yours is locked and you have an update, the bot says to make a new post.
• If you work in insurance, say so and answer the question in the thread. Regulars do this all day. The moment you offer to help someone privately you have broken the only rule.

Self-promotion

The subreddit says it has one rule and this is it: solicitation is prohibited. That means asking people to PM you for any reason, offering to quote coverage, or steering buyers or agents toward your carrier, and it applies to adjusters, underwriters and brokers as well as agents, because nobody is vetted. The sidebar promises an immediate ban. In practice professionals are the backbone of the place and are welcome to give general advice in public, including recommending that someone talk to an independent agent. What they cannot do is be that agent. There is no room here for a company to post about itself.

How people write here

Typical post length

160 words

Typical title length

8 words

Titles phrased as a question

40%

Typical comment length

29 words

Comments that include a link

5%

Posts that carry a flair

45%

Top keywords

The words and phrases that show up far more often here than in other communities, from recent posts in r/Insurance.

• insurance 270 posts
• car 141 posts
• accident 91 posts
• claim 114 posts
• vehicle 69 posts
• fault 61 posts
• driver 57 posts
• policy 71 posts
• damage 62 posts
• coverage 59 posts
• collision 30 posts
• auto 52 posts
• insurance company 41 posts
• progressive 32 posts
• police 38 posts
• geico 23 posts
• driving 45 posts
• hit 66 posts
• police report 22 posts
• total loss 24 posts
• claims 42 posts
• auto insurance 21 posts
• liability 30 posts
• company 78 posts
• rear 21 posts
• totaled 18 posts
• state farm 23 posts
• insured 22 posts
• deductible 25 posts
• cover 40 posts
• repair 30 posts
• report 43 posts
• pay 62 posts
• cars 25 posts
• drivers 22 posts
• repairs 26 posts
• adjuster 22 posts
• parked 17 posts
• total 41 posts
• loss 34 posts

Common questions