🕷️ Crawler Inspector

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1. Shard Calculation

Query:

Response:

Calculated Shard: 156 (from laksa163)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa156.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.forbes.com/advisor/car-insurance/how-much-car-insurance-do-you-need/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.forbes.com/advisor/car-insurance/how-much-car-insurance-do-you-need/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.forbes.com\/advisor\/car-insurance\/how-much-car-insurance-do-you-need\/","crawl_time":1776373286,"first_indexed_time":1620138802,"http_code":200,"src_unparsed":"com,forbes!www,\/advisor\/car-insurance\/how-much-car-insurance-do-you-need\/ s443","src_root_hash":"7074450602188365556","history_drop_reason":null,"meta_title":"How Much Car Insurance Do I Need? – Forbes Advisor","meta_descriptions":["Learn about car insurance requirements by state to see how much auto insurance you need. You may find that basic state limits are inadequate."],"attrs_boilerpipe_text":"Each state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident.\nCommon liability limits are $25,000 per person, $50,000 per accident for bodily injury and $25,000 for physical damage. But your state’s requirements may be different. To determine how much\ncar insurance\nyou need, understand what your state requires and assess your personal needs.\nYou need enough car insurance to comply with state laws. Beyond that, we advise you to get limits high enough to pay for injuries, property damage and lawsuits that may arise from an accident if you don’t have enough savings to pay for them otherwise. And even if you do have the savings, can you afford to spend it all on a car accident? If you’re like most people, the answer to that question is no. \nThe\nbest car insurance\npolicy will go beyond state requirements and also provide coverage for your vehicle. If you have a lease or loan, your lender will typically require you to buy collision and comprehensive coverage to cover your car.\nThe National Association of Insurance Commissioners recommends buying enough car insurance to:\nComply with state laws\nSatisfy your lender (if you have a loan or lease)\nProtect your assets in case of a lawsuit against you over a car accident\nHow To Calculate Your Car Insurance Coverage Needs\nTo calculate your car insurance coverage needs, you should assess:\nYour state’s auto insurance requirements\nYour financial situation\nYour vehicle’s value\nPotential risks for accidents or theft\nState minimum coverage complies with insurance laws, but buying higher limits is strongly recommended if your financial situation allows.\nEveryone’s needs vary, but higher car insurance liability limits lower your chance of exceeding them and being held personally responsible for damages you caused others in an auto accident. \nKnowing your vehicle’s value helps you decide if you need collision and comprehensive coverage. And if your household has a higher risk for accidents—perhaps due to having a teen driver—higher liability limits along with coverage for your car may be the wisest move.\nWhat Car Insurance Coverage Do I Need?\nMost states require car owners to buy liability car insurance, but coverage requirements vary by state. Depending on where you live, you may need to buy additional coverage types—such as uninsured motorist coverage, personal injury protection or medical payments coverage. Lenders typically mandate collision and comprehensive insurance if your car is leased or financed.\nPro Tip\nReview your car insurance policy annually to make certain your selected coverage options and limits still meets your needs.\nHere are common car insurance coverage options and recommended limits for each. These are general recommendations, so it’s important to evaluate your personal financial situation to determine the coverage that best suits your needs.\nCoverage\nAdequate\nGood\nEven better\nLiability car insurance\nState minimum\n$100,000 per person for bodily injury liability\r\r\r$300,000 per accident for bodily injury liability\r\r\r$100,000 for property damage\n$250,000 per person for bodily injury liability\r\r\r$500,000 per accident for bodily injury liability\r\r\r$250,000 for property damage\nUninsured\/underinsured motorist coverage\nState minimum\n$100,000 per person for bodily injury liability\r\r\r$300,000 per accident for bodily injury liability\n$250,000 per person for bodily injury liability\r\r\r$500,000 per accident for bodily injury liability\nPersonal injury protection (PIP)\nState minimum\n$40,000\nState maximum\nCollision coverage\nNot required\nRecommended\nRecommended\nComprehensive coverage\nNot required\nRecommended\nRecommended\nCar Insurance Requirements by State\nEvery state has a financial responsibility law for vehicles, which typically means drivers buying car insurance.\nThe minimum amount of auto insurance you need to buy varies by state. But no matter where you live, liability car insurance—which covers damage and injuries you cause others in an accident—is the main required coverage. The\nminimum car insurance required by your state\nis important to know, but this amount may not be adequate for your needs.\nState\nBodily injury liability (per person\/per accident)\nProperty damage liability (per accident)\nOther car insurance requirements\nAlabama\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nAlaska\n$50,000 per person\n$100,000 per accident\n$25,000\nNone\nArizona\n$25,000 per person\n$50,000 per accident\n$15,000\nNone\nArkansas\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nCalifornia\n$30,000 per person\n$60,000 per accident\n$15,000\nNone\nColorado\n$25,000 per person\n$50,000 per accident\n$15,000\nNone\nConnecticut\n$25,000 per person\n$50,000 per accident\n$25,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nDelaware\n$25,000 per person\n$50,000 per accident\n$10,000\nPersonal injury protection:\n$15,000 per person\n$30,000 per accident\nFlorida\n$10,000 per person\n$20,000 per accident\n$10,000\nPersonal injury protection:\n$10,000\nGeorgia\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nHawaii\n$20,000 per person\n$40,000 per accident\n$10,000\nPersonal injury protection:\n$10,000\nIdaho\n$25,000 per person\n$50,000 per accident\n$15,000\nNone\nIllinois\n$25,000 per person\n$50,000 per accident\n$20,000\nUninsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nIndiana\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nIowa\n$20,000 per person\n$40,000 per accident\n$15,000\nNone\nKansas\n$25,000 per person\n$50,000 per accident\n$25,000\nPersonal injury protection:\n$4,500\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nKentucky\n$25,000 per person\n$50,000 per accident\n$25,000\nPersonal injury protection:\n$10,000\nLouisiana\n$15,000 per person\n$30,000 per accident\n$25,000\nNone\nMaine\n$50,000 per person\n$100,000 per accident\n$25,000\nMedical payments:\n$2,000\nUninsured\/underinsured motorist bodily injury:\n$50,000 per person\r$100,000 per accident\nMaryland\n$30,000 per person\n$60,000 per accident\n$15,000\nPersonal injury protection:\n$2,500\nUninsured\/underinsured motorist bodily injury:\n$30,000 per person\r$60,000 per accident\nUninsured motorist property damage:\n$15,000\nMassachusetts\n$25,000 per person\n$50,000 per accident\n$30,000\nPersonal injury protection:\n$8,000\nUninsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nMichigan\n$50,000 per person\n$100,000 per accident\n$10,000\nPersonal injury protection:\n$250,000\nProperty protection Insurance:\n$1 million\nMinnesota\n$30,000 per person\n$60,000 per accident\n$10,000\nPersonal injury protection:\n$40,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nMississippi\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nMissouri\n$25,000 per person\n$50,000 per accident\n$25,000\nUninsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nMontana\n$25,000 per person\n$50,000 per accident\n$20,000\nNone\nNebraska\n$25,000 per person\n$50,000 per accident\n$25,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nNevada\n$25,000 per person\n$50,000 per accident\n$20,000\nNone\nNew Hampshire\n$25,000 per person\n$50,000 per accident\n$25,000\nMedical payments:\n$1,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nNew Jersey\n*\n$25,000 per person\n$50,000 per accident\n$25,000\nPersonal injury protection:\n$15,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nUninsured motorist property damage:\n$25,000\nNew Mexico\n$25,000 per person\n$50,000 per accident\n$10,000\nNone\nNew York\n$25,000 per person\n$50,000 per accident\n$10,000\nPersonal injury protection:\n$50,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\r$50,000 per accident\nNorth Carolina\n$50,000 per person\n$100,000 per accident\n$50,000\nUninsured\/underinsured motorist bodily injury:\n$50,000 per person\r$100,000 per accident\nUninsured motorist property damage:\n$50,000\nNorth Dakota\n$25,000 per person\n$50,000 per accident\n$25,000\nPersonal injury protection:\n$30,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nOhio\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nOklahoma\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nOregon\n$25,000 per person\n$50,000 per accident\n$20,000\nPersonal injury protection:\n$15,000\nUninsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nPennsylvania\n$15,000 per person\n$30,000 per accident\n$5,000\nMedical benefits:\n$5,000\nRhode Island\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nSouth Carolina\n$25,000 per person\n$50,000 per accident\n$25,000\nUninsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nUninsured motorist property damage:\n$25,000\nSouth Dakota\n$25,000 per person\n$50,000 per accident\n$25,000\nUninsured\/underinsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nTennessee\n$25,000 per person\n$50,000 per accident\n$25,000\nNone\nTexas\n$30,000 per person\n$60,000 per accident\n$25,000\nNone\nUtah\n$30,000 per person\n$65,000 per accident\n$25,000\nPersonal injury protection:\n$3,000\nVermont\n$25,000 per person\n$50,000 per accident\n$10,000\nUninsured\/underinsured motorist bodily injury:\n$50,000 per person\n$100,000 per accident\nUninsured motorist property damage:\n$10,000\nVirginia\n$50,000 per person\n$100,000 per accident\n$25,000\nUninsured\/underinsured motorist bodily injury:\n$50,000 per person\n$100,000 per accident\nUninsured motorist property damage:\n$25,000\nWashington\n$25,000 per person\n$50,000 per accident\n$10,000\nNone\nWashington, D.C.\n$25,000 per person\n$50,000 per accident\n$10,000\nUninsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nUninsured motorist property damage:\n$5,000\nWest Virginia\n$25,000 per person\n$50,000 per accident\n$25,000\nUninsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nUninsured motorist property damage:\n$25,000\nWisconsin\n$25,000 per person\n$50,000 per accident\n$10,000\nUninsured motorist bodily injury:\n$25,000 per person\n$50,000 per accident\nWyoming\n$25,000 per person\n$50,000 per accident\n$20,000\nNone\n*New Jersey’s limits will increase to 35\/70\/25 on Jan. 1, 2026.Insurance requirements based on information from each state’s department of motor vehicles, as of October 2025.\nWhich States Don’t Require Car Insurance?\nWhile requiring car insurance is the norm, two states are unique in the choices you have.\nNew Hampshire\ndoes not require car insurance, but if you’re in an at-fault accident you must prove you have adequate funds to fulfill the state’s financial responsibility law. This could include buying car insurance.\nSouth Carolina\nlaw allows you to legally drive without auto insurance if you meet certain qualifications and pay $600 to register an uninsured vehicle.\nChoosing to go without car insurance in either\nNew Hampshire\nor\nSouth Carolina\nleaves you personally responsible for paying for damage to property or injuries to people if you cause an accident.\nHow To Estimate Car Insurance Costs\nOur car insurance calculator can give you an estimate of costs based on your state and driving record.\nCompare Quotes With Multiple Companies\nEach car insurance company has its own formula for setting rates, and it’s likely that your driver profile will be a better fit for some companies than others. That is why you need to compare car insurance quotes with at least three auto insurers.\nPro Tip\nComparison shopping will help you find the best rates for your specific situation.\nMake sure you compare the same coverage options and limits so you’re comparing apples to apples and can find the best price.\nProvide Accurate Information \nFactors like your age, type of vehicle, coverage amount, deductibles, driving history and location will be used to determine your car insurance cost estimate. If you provide incorrect information, the rate estimate will be wrong. \nPro Tip\nAuto insurers run a variety of reports to verify the information you provide, so you should give accurate information to get an accurate car insurance quote.\nIf you buy a policy based on faulty information, you could have your policy canceled or your rates recalculated to a high rate once the auto insurer finds out.\nIs Minimum Car Insurance Coverage Enough?\nMinimum car insurance coverage is better than no coverage, but it can be woefully inadequate for many drivers. Minimum coverage typically has a fairly low limit, leaving you open to a financial crisis if you don’t have enough insurance for an accident you cause. Also, state minimum auto insurance won’t provide any coverage for your own car’s repair bills after an accident. If you want better coverage, buy more than the minimum requirements.\nWith a basic knowledge of the\nmain types of car insurance\n, you can build a policy that fits your specific insurance needs.\nTypes of Auto Insurance Coverage\nLiability Insurance\nLiability car insurance\npays for injuries and property damage suffered by others if you’re at fault for an accident. It also pays your legal defense and any settlements or judgments if you’re sued because of an accident.\nLiability car insurance includes two different types of coverage packaged together:\nBodily injury liability\npays for injuries to other drivers, their passengers and any hurt pedestrians if you’re at fault for an accident.\nProperty damage liability\npays for damage to another individual’s property, including their vehicle, if you cause an accident.\nHow To Read Liability Limits\nLiability limits are written as a group of three numbers, such as 15\/30\/15, and break down to mean:\n15 = $15,000 of bodily injury liability coverage per person\n30 = $30,000 of bodily injury liability coverage per accident\n15 = $15,000 of property damage liability coverage per accident\nBuying only your state’s minimum liability car insurance could be a costly mistake because these amounts are usually inadequate if you cause an expensive accident. Limits of 100\/300\/100 or higher are recommended, so you’re less likely to exceed your limits.\nPro Tip\nGet quotes for a variety of liability limits to see how high of a limit your budget can afford.\nHow much liability insurance should I buy?\nA good rule of thumb is to buy enough liability insurance to cover what you could lose in a lawsuit against you if you cause a car accident. In California, a 250\/500\/100 policy would be a much better choice than the state minimum of 30\/60\/15.\nUnderstanding liability insurance limits is critical to choosing the right amount of car insurance.\nFor extra liability insurance above your base auto and home insurance policies, consider getting an\numbrella insurance policy\n. You can buy an additional $1 million (or more) in liability coverage through an umbrella policy for a relatively inexpensive amount.\nUninsured Motorist Insurance\nUninsured motorist (UM) and underinsured motorist (UIM) insurance pay for your medical bills if someone crashes into you and they do not have liability insurance or not enough.\nUninsured motorist coverage\nis required in some states and optional in others. In states where UM is optional, you can typically reject the coverage in writing.\nIf UM is available in your state, this is good coverage to have. UM coverage pays for:\nFuneral expenses\nLost wages due to injuries suffered in the car accident\nMedical expenses for you and your passengers\nPain and suffering of you or your passengers\nYour vehicle damage (depending on your state), if you have purchased uninsured motorist property damage coverage\nUninsured motorist insurance does not pay anything to the uninsured driver who caused the accident. They’re on their own.\nHow Much Uninsured Motorist Coverage Should I Buy?\nYou’ll typically need to purchase UM in amounts that match your liability insurance. For example, if you have liability coverage of 250\/500\/100, you’ll need to buy the same amount of UM coverage.\nCollision and Comprehensive Insurance\nCollision insurance\npays to repair or replace your vehicle after a collision with another car or if you hit other objects, like a tree, fence or guardrail.\nComprehensive insurance\npays for repairing or replacing your car if it’s stolen or damaged by a range of problems, such as falling objects, fire, floods, hail, vandalism or striking an animal.\nCollision and comprehensive insurance are usually sold together. You’ll want this optional coverage as part of your policy if you want insurance for damage to your own vehicle and theft of your vehicle. And, if you have a car loan or lease, your lender or leasing company will likely require you to buy both.\nHow Much Collision and Comprehensive Insurance Should I Buy?\nYou don’t buy a certain amount of collision and comprehensive because the most this coverage will pay out is the value of your totaled vehicle. If you want to cut costs, select a higher deductible amount, which is the amount deducted from a claims check. For example, a $1,000 deductible will result in slightly cheaper premiums than a $500 deductible.\nPersonal Injury Protection\nPersonal injury protection\n(PIP) covers medical bills for you and your passengers no matter who caused the car accident. It also pays for other expenses like lost wages, funeral expenses and replacement services you can’t do because of injuries, like cleaning services or child care.\nSome states require PIP as part of their “no-fault auto insurance” laws, while in other states, you can buy PIP as an optional coverage type, and some states don’t have it as an option.\nHow Much PIP Insurance Should I Buy?\nPIP rules vary by state and it’s not sold in all states. For example, for\nFlorida car insurance\n, PIP options range from basic to extended:\nBasic Florida PIP covers 80% of your medical bills and 60% of lost wages and replacement services\nExtended Florida PIP covers 100% of medical bills and 80% of lost wages and replacement services\nIf PIP is optional in your state, you can decline it if you have a good health insurance plan. But PIP has some perks your health insurance won’t provide, such as reimbursement for services and lost wages.\nMedical Expenses Coverage\nMedical expenses coverage is also known as\nmedical payments coverage\nand often referred to as “MedPay.” It’s similar to PIP in that it pays for medical bills and other expenses for you and your passengers, no matter who caused the car accident. Unlike PIP, it doesn’t pay for pain and suffering or reimburse you for replacement services.\nHow Much MedPay Should I Buy?\nIn states where MedPay is available, it’s usually sold in small amounts of coverage that often range between $1,000 and $5,000.\nTop picks: Car Insurance Companies\nOptional Car Insurance Coverage Types\nLiability insurance, uninsured motorist coverage, medical payments, and collision and comprehensive insurance are a good foundation for a car insurance policy. But you might need a few additional coverage types to fill in some gaps. Here are some to consider.\nGap Insurance\nGap insurance\npays the difference between the insurance check for your totaled car and the amount you owe on the loan or lease. Consider it if you have a big balance on your car loan and your car’s current value is well below the loan balance.\nRental Reimbursement\nIf your car is being repaired due to a problem covered by your policy, rental reimbursement insurance pays for a rental car or substitute transportation, such as train and bus fare, during repairs.\nRoadside Assistance\nIf your car breaks down or you run into another problem (like locking your keys in your car),\nroadside assistance insurance\npays for services like a tow truck, jump-start, fuel delivery or a locksmith.\nHow To Buy Car Insurance\nOnce you’re ready to buy your car insurance policy, you’ll want to shop around to find the company that best fits your needs. You can get quotes online or by calling an agent, and it’s wise to\ncompare car insurance quotes\nfrom multiple companies.\nPro Tip\nCompare at least three car insurance quotes to ensure you’re getting a good deal.\nMake sure you ask about\ncar insurance discounts\n. Insurance companies offer many types of discounts to attract customers—everything from good driver discounts, car safety discounts, and multi-policy discounts to discounts for paying in full or going paperless.\nFind the Best Car Insurance Companies\nWith so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to.\nHow Much Car Insurance Do I Need Frequently Asked Questions (FAQs)\nLiability insurance—which includes bodily injury liability coverage and \nproperty damage liability coverage\n—is mandatory in nearly every state. Some states also require car owners to carry one or more of the following types of auto insurance:\nUninsured motorist insurance\nPersonal injury protection (PIP)\nMedical payments coverage (MedPay)\nState regulations aren’t the only factor that can affect your coverage needs. If you finance or lease your vehicle, you may also have to carry \ncollision and comprehensive coverage\n.\nThe following states require that car owners purchase personal injury protection (PIP) and\/or uninsured motorist (UM) coverage.\nState\nPIP\nUM\nConnecticut\n✓\nDelaware\n✓\nFlorida\n✓\nHawaii\n✓\nIllinois\n✓\nKansas\n✓\n✓\nKentucky\n✓\nMaine\n✓\nMaryland\n✓\n✓\nMassachusetts\n✓\n✓\nMichigan\n✓\nMinnesota\n✓\n✓\nMissouri\n✓\nNebraska\n✓\nNew Hampshire\n✓\nNew Jersey\n✓\n✓\nNew York\n✓\n✓\nNorth Carolina\n✓\nNorth Dakota\n✓\n✓\nOregon\n✓\n✓\nSouth Carolina*\n✓\nSouth Dakota\n✓\nUtah\n✓\nVermont\n✓\nVirginia\n✓\nWashington, D.C.\n✓\nWest Virginia\n✓\nWisconsin\n✓\n*South Carolina and Virginia drivers can pay an uninsured motor vehicle fee to forgo coverage.\nChoose a car insurance deductible that you could pay without causing yourself financial hardship. Choosing a higher \ncar insurance deductible\n, such as $1,500 or $2,000, will lead to lower rates, but you’ll be responsible for that higher amount if you file a claim.\nIt’s wise to find out how much you can save by raising your car insurance deductible by asking your insurance agent to give you car insurance quotes with varying deductible amounts. See which types of coverage require a deductible.\nCoverage type\nDeductible?\nCollision\nYes\nComprehensive\nYes\nLiability insurance\nNo\nPersonal injury protection (PIP)\nVaries by state\nUninsured motorist bodily injury\nNot typically\nUninsured motorist property damage\nVaries by state\nForbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA\nLicense\n# 6011227. © 2026 CompareCoverage. 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To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. |   |\n\nWe earn a commission from the offers on this page, which influences which offers are displayed and how and where the offers appear. Advertiser Disclosure.\n\nWe independently select all products and services. 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For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/pennygusner\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Penny Gusner](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/penny-88x88.jpg)\n\n[Penny Gusner](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)Staff Writer\n\nPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/pennygusner\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)\n\nWritten By\n\n[Penny Gusner](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)\n\n![Penny Gusner](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/penny-88x88.jpg)\n\n[Penny Gusner](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)Staff Writer\n\nPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/pennygusner\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Penny Gusner](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/penny-88x88.jpg)\n\n[Penny Gusner](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)Staff Writer\n\nPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance...\n\n- [![Linkedin icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-linkedin-icon.svg)](https:\/\/www.linkedin.com\/in\/pennygusner\/)\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)\n\nStaff Writer\n\n[![Les Masterson](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)\n\n![Les Masterson](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)\n\nReviewed by\n\n[Les Masterson](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)Former Staff Editor\n\nLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Les Masterson](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)\n\nReviewed by\n\n[Les Masterson](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)Former Staff Editor\n\nLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)\n\nReviewed\n\n[Les Masterson](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)\n\n![Les Masterson](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)\n\nReviewed by\n\n[Les Masterson](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)Former Staff Editor\n\nLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)\n\n![close icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/forbes-media-close-icon.svg)\n\n![Les Masterson](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)\n\nReviewed by\n\n[Les Masterson](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)Former Staff Editor\n\nLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove...\n\n[Read Full Bio![See Full Bio](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/social-icons\/read-full-bio.svg)](https:\/\/www.forbes.com\/advisor\/author\/lmasterson\/)\n\nFormer Staff Editor\n\n& 1 other\n\nHave a question we may not have answered?\n\nAsk our editors here\n\nHave a question for Penny Gusner or our other editors?\n\nAsk here for a chance to be featured in a story.\n\nThis form is protected by reCAPTCHA Enterprise and the Google [Privacy Policy](https:\/\/policies.google.com\/privacy)and [Terms of Service](https:\/\/policies.google.com\/terms)apply.\n\n![Penny Gusner](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/penny-88x88.jpg)\n\n![Les Masterson](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/02\/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)\n\nSend a note to Penny Gusner, Les Masterson and our other editors. We read every email.\n\nBy submitting this form, you agree to allow us to collect, store, and potentially publish your provided information, including name and question, in the article or any related content. You confirm that the submitted content is original, accurate, and non-infringing on any third-party rights. We may contact you via the email address provided for follow-up questions or to notify you if your question is selected for publication. See our [Terms of Use](https:\/\/www.forbes.com\/terms-and-conditions\/#5cc91797193f)and our [Privacy Policy](https:\/\/www.forbes.com\/advisor\/privacy-policy\/).\n\nThank you for submitting your question.\n\nKeep reading Forbes Advisor for the chance to see the answer to your question in one of our upcoming stories. Our editors also may be in touch with follow-up questions.\n\nContinue reading\n\n![How Much Car Insurance Do I Need?](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/900x510\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/10\/man-with-car-at-ocean.jpeg.jpg) Getty\n\nEach state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident.\n\nCommon liability limits are \\$25,000 per person, \\$50,000 per accident for bodily injury and \\$25,000 for physical damage. But your state’s requirements may be different. To determine how much [car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/) you need, understand what your state requires and assess your personal needs.\n\n## How Much Car Insurance Do I Need?\nYou need enough car insurance to comply with state laws. Beyond that, we advise you to get limits high enough to pay for injuries, property damage and lawsuits that may arise from an accident if you don’t have enough savings to pay for them otherwise. And even if you do have the savings, can you afford to spend it all on a car accident? If you’re like most people, the answer to that question is no.\n\nThe [best car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/) policy will go beyond state requirements and also provide coverage for your vehicle. If you have a lease or loan, your lender will typically require you to buy collision and comprehensive coverage to cover your car.\n\nThe National Association of Insurance Commissioners recommends buying enough car insurance to:\n\n- Comply with state laws\n- Satisfy your lender (if you have a loan or lease)\n- Protect your assets in case of a lawsuit against you over a car accident\n## How To Calculate Your Car Insurance Coverage Needs\nTo calculate your car insurance coverage needs, you should assess:\n\n- Your state’s auto insurance requirements\n- Your financial situation\n- Your vehicle’s value\n- Potential risks for accidents or theft\n\nState minimum coverage complies with insurance laws, but buying higher limits is strongly recommended if your financial situation allows.\n\nEveryone’s needs vary, but higher car insurance liability limits lower your chance of exceeding them and being held personally responsible for damages you caused others in an auto accident.\n\nKnowing your vehicle’s value helps you decide if you need collision and comprehensive coverage. And if your household has a higher risk for accidents—perhaps due to having a teen driver—higher liability limits along with coverage for your car may be the wisest move.\n\n## What Car Insurance Coverage Do I Need?\nMost states require car owners to buy liability car insurance, but coverage requirements vary by state. Depending on where you live, you may need to buy additional coverage types—such as uninsured motorist coverage, personal injury protection or medical payments coverage. Lenders typically mandate collision and comprehensive insurance if your car is leased or financed.\n\nPro Tip\n\nReview your car insurance policy annually to make certain your selected coverage options and limits still meets your needs.\n\nHere are common car insurance coverage options and recommended limits for each. These are general recommendations, so it’s important to evaluate your personal financial situation to determine the coverage that best suits your needs.\n\n| Coverage | Adequate | Good | Even better |\n|---|---|---|---|\n| Liability car insurance | State minimum | \\$100,000 per person for bodily injury liability \\$300,000 per accident for bodily injury liability \\$100,000 for property damage | \\$250,000 per person for bodily injury liability \\$500,000 per accident for bodily injury liability \\$250,000 for property damage |\n| Uninsured\/underinsured motorist coverage | State minimum | \\$100,000 per person for bodily injury liability \\$300,000 per accident for bodily injury liability | \\$250,000 per person for bodily injury liability \\$500,000 per accident for bodily injury liability |\n| Personal injury protection (PIP) | State minimum | \\$40,000 | State maximum |\n| Collision coverage | Not required | Recommended | Recommended |\n| Comprehensive coverage | Not required | Recommended | Recommended |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\nSee More\n\nSee Less\n## Car Insurance Requirements by State\nEvery state has a financial responsibility law for vehicles, which typically means drivers buying car insurance.\n\nThe minimum amount of auto insurance you need to buy varies by state. But no matter where you live, liability car insurance—which covers damage and injuries you cause others in an accident—is the main required coverage. The [minimum car insurance required by your state](https:\/\/www.forbes.com\/advisor\/car-insurance\/minimum-required-in-state\/) is important to know, but this amount may not be adequate for your needs.\n\n| State | Bodily injury liability (per person\/per accident) | Property damage liability (per accident) | Other car insurance requirements |\n|---|---|---|---|\n| [Alabama](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-alabama\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Alaska](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-alaska\/) | \\$50,000 per person \\$100,000 per accident | \\$25,000 | None |\n| [Arizona](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-arizona\/) | \\$25,000 per person \\$50,000 per accident | \\$15,000 | None |\n| [Arkansas](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-arkansas\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [California](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-california\/) | \\$30,000 per person \\$60,000 per accident | \\$15,000 | None |\n| [Colorado](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-colorado\/) | \\$25,000 per person \\$50,000 per accident | \\$15,000 | None |\n| [Connecticut](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-connecticut\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Delaware](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-delaware\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Personal injury protection:** \\$15,000 per person \\$30,000 per accident |\n| [Florida](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-florida\/) | \\$10,000 per person \\$20,000 per accident | \\$10,000 | **Personal injury protection:** \\$10,000 |\n| [Georgia](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-georgia\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Hawaii](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-hawaii\/) | \\$20,000 per person \\$40,000 per accident | \\$10,000 | **Personal injury protection:** \\$10,000 |\n| [Idaho](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-idaho\/) | \\$25,000 per person \\$50,000 per accident | \\$15,000 | None |\n| [Illinois](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-illinois\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Indiana](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-indiana\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Iowa](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-iowa\/) | \\$20,000 per person \\$40,000 per accident | \\$15,000 | None |\n| [Kansas](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-kansas\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$4,500 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Kentucky](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-kentucky\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$10,000 |\n| [Louisiana](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-louisiana\/) | \\$15,000 per person \\$30,000 per accident | \\$25,000 | None |\n| [Maine](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-maine\/) | \\$50,000 per person \\$100,000 per accident | \\$25,000 | **Medical payments:** \\$2,000 **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident |\n| [Maryland](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-maryland\/) | \\$30,000 per person \\$60,000 per accident | \\$15,000 | **Personal injury protection:** \\$2,500 **Uninsured\/underinsured motorist bodily injury:** \\$30,000 per person \\$60,000 per accident **Uninsured motorist property damage:** \\$15,000 |\n| [Massachusetts](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-massachusetts\/) | \\$25,000 per person \\$50,000 per accident | \\$30,000 | **Personal injury protection:** \\$8,000 **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Michigan](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-michigan\/) | \\$50,000 per person \\$100,000 per accident | \\$10,000 | **Personal injury protection:** \\$250,000 **Property protection Insurance:** \\$1 million |\n| [Minnesota](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-minnesota\/) | \\$30,000 per person \\$60,000 per accident | \\$10,000 | **Personal injury protection:** \\$40,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Mississippi](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-mississippi\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Missouri](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-missouri\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Montana](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-montana\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | None |\n| [Nebraska](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-nebraska\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Nevada](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-nevada\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | None |\n| [New Hampshire](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-hampshire\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Medical payments:** \\$1,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [New Jersey](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-jersey\/) \\* | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$15,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [New Mexico](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-mexico\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | None |\n| [New York](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-york\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Personal injury protection:** \\$50,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [North Carolina](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-north-carolina\/) | \\$50,000 per person \\$100,000 per accident | \\$50,000 | **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident **Uninsured motorist property damage:** \\$50,000 |\n| [North Dakota](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-north-dakota\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$30,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Ohio](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-ohio\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Oklahoma](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-oklahoma\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Oregon](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-oregon\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | **Personal injury protection:** \\$15,000 **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Pennsylvania](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-pennsylvania\/) | \\$15,000 per person \\$30,000 per accident | \\$5,000 | **Medical benefits:** \\$5,000 |\n| [Rhode Island](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-rhode-island\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [South Carolina](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-south-carolina\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [South Dakota](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-south-dakota\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Tennessee](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-tennessee\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Texas](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-texas\/) | \\$30,000 per person \\$60,000 per accident | \\$25,000 | None |\n| [Utah](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-utah\/) | \\$30,000 per person \\$65,000 per accident | \\$25,000 | **Personal injury protection:** \\$3,000 |\n| [Vermont](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-vermont\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident **Uninsured motorist property damage:** \\$10,000 |\n| [Virginia](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-virginia\/) | \\$50,000 per person \\$100,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [Washington](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-washington\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | None |\n| Washington, D.C. | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$5,000 |\n| [West Virginia](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-west-virginia\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [Wisconsin](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-wisconsin\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Wyoming](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-wyoming\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | None |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\n\\*New Jersey’s limits will increase to 35\/70\/25 on Jan. 1, 2026.Insurance requirements based on information from each state’s department of motor vehicles, as of October 2025.\n\nSee More\n\nSee Less\n### Which States Don’t Require Car Insurance?\nWhile requiring car insurance is the norm, two states are unique in the choices you have.\n\n- **New Hampshire** does not require car insurance, but if you’re in an at-fault accident you must prove you have adequate funds to fulfill the state’s financial responsibility law. This could include buying car insurance.\n- **South Carolina** law allows you to legally drive without auto insurance if you meet certain qualifications and pay \\$600 to register an uninsured vehicle.\n\nChoosing to go without car insurance in either [New Hampshire](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-hampshire\/) or [South Carolina](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-south-carolina\/) leaves you personally responsible for paying for damage to property or injuries to people if you cause an accident.\n\n## How To Estimate Car Insurance Costs\nOur car insurance calculator can give you an estimate of costs based on your state and driving record.\n\n### Compare Quotes With Multiple Companies\nEach car insurance company has its own formula for setting rates, and it’s likely that your driver profile will be a better fit for some companies than others. That is why you need to compare car insurance quotes with at least three auto insurers.\n\nPro Tip\n\nComparison shopping will help you find the best rates for your specific situation.\n\nMake sure you compare the same coverage options and limits so you’re comparing apples to apples and can find the best price.\n\n### Provide Accurate Information\nFactors like your age, type of vehicle, coverage amount, deductibles, driving history and location will be used to determine your car insurance cost estimate. If you provide incorrect information, the rate estimate will be wrong.\n\nPro Tip\n\nAuto insurers run a variety of reports to verify the information you provide, so you should give accurate information to get an accurate car insurance quote.\n\nIf you buy a policy based on faulty information, you could have your policy canceled or your rates recalculated to a high rate once the auto insurer finds out.\n\n## Is Minimum Car Insurance Coverage Enough?\nMinimum car insurance coverage is better than no coverage, but it can be woefully inadequate for many drivers. Minimum coverage typically has a fairly low limit, leaving you open to a financial crisis if you don’t have enough insurance for an accident you cause. Also, state minimum auto insurance won’t provide any coverage for your own car’s repair bills after an accident. If you want better coverage, buy more than the minimum requirements.\n\nWith a basic knowledge of the [main types of car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/types-of-car-insurance\/), you can build a policy that fits your specific insurance needs.\n\n## Types of Auto Insurance Coverage\n### Liability Insurance\n[Liability car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/liability-insurance\/) pays for injuries and property damage suffered by others if you’re at fault for an accident. It also pays your legal defense and any settlements or judgments if you’re sued because of an accident.\n\nLiability car insurance includes two different types of coverage packaged together:\n\n- **Bodily injury liability** pays for injuries to other drivers, their passengers and any hurt pedestrians if you’re at fault for an accident.\n- **Property damage liability** pays for damage to another individual’s property, including their vehicle, if you cause an accident.\n#### How To Read Liability Limits\nLiability limits are written as a group of three numbers, such as 15\/30\/15, and break down to mean:\n\n- 15 = \\$15,000 of bodily injury liability coverage per person\n- 30 = \\$30,000 of bodily injury liability coverage per accident\n- 15 = \\$15,000 of property damage liability coverage per accident\n\nBuying only your state’s minimum liability car insurance could be a costly mistake because these amounts are usually inadequate if you cause an expensive accident. Limits of 100\/300\/100 or higher are recommended, so you’re less likely to exceed your limits.\n\nPro Tip\n\nGet quotes for a variety of liability limits to see how high of a limit your budget can afford.\n\n**How much liability insurance should I buy?**\n\nA good rule of thumb is to buy enough liability insurance to cover what you could lose in a lawsuit against you if you cause a car accident. In California, a 250\/500\/100 policy would be a much better choice than the state minimum of 30\/60\/15.\n\nUnderstanding liability insurance limits is critical to choosing the right amount of car insurance.\n\nFor extra liability insurance above your base auto and home insurance policies, consider getting an [umbrella insurance policy](https:\/\/www.forbes.com\/advisor\/car-insurance\/umbrella-insurance\/). You can buy an additional \\$1 million (or more) in liability coverage through an umbrella policy for a relatively inexpensive amount.\n\n### Uninsured Motorist Insurance\nUninsured motorist (UM) and underinsured motorist (UIM) insurance pay for your medical bills if someone crashes into you and they do not have liability insurance or not enough. [Uninsured motorist coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/uninsured-motorist-coverage\/) is required in some states and optional in others. In states where UM is optional, you can typically reject the coverage in writing.\n\nIf UM is available in your state, this is good coverage to have. UM coverage pays for:\n\n- Funeral expenses\n- Lost wages due to injuries suffered in the car accident\n- Medical expenses for you and your passengers\n- Pain and suffering of you or your passengers\n- Your vehicle damage (depending on your state), if you have purchased uninsured motorist property damage coverage\n\nUninsured motorist insurance does not pay anything to the uninsured driver who caused the accident. They’re on their own.\n\n#### How Much Uninsured Motorist Coverage Should I Buy?\nYou’ll typically need to purchase UM in amounts that match your liability insurance. For example, if you have liability coverage of 250\/500\/100, you’ll need to buy the same amount of UM coverage.\n\n### Collision and Comprehensive Insurance\n[Collision insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-collision-insurance\/) pays to repair or replace your vehicle after a collision with another car or if you hit other objects, like a tree, fence or guardrail. [Comprehensive insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-comprehensive-car-insurance\/) pays for repairing or replacing your car if it’s stolen or damaged by a range of problems, such as falling objects, fire, floods, hail, vandalism or striking an animal.\n\nCollision and comprehensive insurance are usually sold together. You’ll want this optional coverage as part of your policy if you want insurance for damage to your own vehicle and theft of your vehicle. And, if you have a car loan or lease, your lender or leasing company will likely require you to buy both.\n\n#### How Much Collision and Comprehensive Insurance Should I Buy?\nYou don’t buy a certain amount of collision and comprehensive because the most this coverage will pay out is the value of your totaled vehicle. If you want to cut costs, select a higher deductible amount, which is the amount deducted from a claims check. For example, a \\$1,000 deductible will result in slightly cheaper premiums than a \\$500 deductible.\n\n### Personal Injury Protection\n[Personal injury protection](https:\/\/www.forbes.com\/advisor\/car-insurance\/pip-guide\/) (PIP) covers medical bills for you and your passengers no matter who caused the car accident. It also pays for other expenses like lost wages, funeral expenses and replacement services you can’t do because of injuries, like cleaning services or child care.\n\nSome states require PIP as part of their “no-fault auto insurance” laws, while in other states, you can buy PIP as an optional coverage type, and some states don’t have it as an option.\n\n#### How Much PIP Insurance Should I Buy?\nPIP rules vary by state and it’s not sold in all states. For example, for [Florida car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-florida\/), PIP options range from basic to extended:\n\n- Basic Florida PIP covers 80% of your medical bills and 60% of lost wages and replacement services\n- Extended Florida PIP covers 100% of medical bills and 80% of lost wages and replacement services\n\nIf PIP is optional in your state, you can decline it if you have a good health insurance plan. But PIP has some perks your health insurance won’t provide, such as reimbursement for services and lost wages.\n\n### Medical Expenses Coverage\nMedical expenses coverage is also known as [medical payments coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/medical-payments-medpay-coverage\/) and often referred to as “MedPay.” It’s similar to PIP in that it pays for medical bills and other expenses for you and your passengers, no matter who caused the car accident. Unlike PIP, it doesn’t pay for pain and suffering or reimburse you for replacement services.\n\n#### How Much MedPay Should I Buy?\nIn states where MedPay is available, it’s usually sold in small amounts of coverage that often range between \\$1,000 and \\$5,000.\n\n## Top picks: Car Insurance Companies\n[![Progressive](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/08\/Progressive_snapshot_logo-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[Progressive](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n4\\.1\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/outline-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nBest for accident forgiveness\n\nCustomers Satisfied With Customer Service And Pricing\n\n83%\n\n[![Travelers](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/04\/990__1511457672_380_travelers-e1606747792588-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[Travelers](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n5\\.0\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nBest overall\n\nCustomers Satisfied With Customer Service And Pricing\n\n86%\n\n[![Erie](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/Erie.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[Erie](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n4\\.9\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nBest for claims handling\n\nCustomers Satisfied With Customer Service And Pricing\n\n93%\n\n[![Nationwide](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/05\/NATIONWIDE-400X250-e1620853672424-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[Nationwide](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n4\\.9\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nBest rates for the general public\n\nCustomers Satisfied With Customer Service And Pricing\n\n86%\n\n[![USAA](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/08\/SEM-USAA-logo-cropped.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[USAA](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n4\\.8\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nBest for military members and veterans\n\nCustomers Satisfied With Customer Service And Pricing\n\n90%\n\n[![Geico](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/04\/Geico_logo.svg-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[Geico](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n4\\.1\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/outline-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nGreat for drivers with poor credit\n\nCustomers Satisfied With Customer Service And Pricing\n\n90%\n\n[![Westfield](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/04\/Westfield_Stacked_PMS.max-500x500-1-removebg-preview-1.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n[Westfield](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\n![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg)\n\n4\\.0\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/outline-star.svg)\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg)\n\n[See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1)\n\nVia Forbes Advisor's Partner\n\nEditors’ Take\n\nBest for family discounts\n\nCustomers Satisfied With Customer Service And Pricing\n\n84%\n\n| Car Insurance Company | Forbes Advisor Rating | Editors’ Take | Customers Satisfied With Customer Service and Pricing | Learn More |\n|---|---|---|---|---|\n| [![Progressive](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/08\/Progressive_snapshot_logo-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [Progressive](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 4\\.1 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/outline-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Best for accident forgiveness | 83% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n| [![Travelers](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/04\/990__1511457672_380_travelers-e1606747792588-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [Travelers](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 5\\.0 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Best overall | 86% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n| [![Erie](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/06\/Erie.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [Erie](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 4\\.9 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Best for claims handling | 93% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n| [![Nationwide](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/05\/NATIONWIDE-400X250-e1620853672424-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [Nationwide](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 4\\.9 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Best rates for the general public | 86% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n| [![USAA](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2022\/08\/SEM-USAA-logo-cropped.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [USAA](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 4\\.8 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Best for military members and veterans | 90% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n| [![Geico](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/04\/Geico_logo.svg-removebg-preview.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [Geico](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 4\\.1 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/outline-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Great for drivers with poor credit | 90% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n| [![Westfield](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2023\/04\/Westfield_Stacked_PMS.max-500x500-1-removebg-preview-1.png)](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) [Westfield](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) | ![Forbes Advisor Desktop Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/forbes-advisor.svg) 4\\.0 ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/filled-star.svg)![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/outline-star.svg) ![](https:\/\/www.forbes.com\/advisor\/wp-content\/plugins\/marketplace-tables\/public\/images\/tooltip.svg) | Best for family discounts | 84% | [See Plans](https:\/\/www.forbes.com\/advisor\/journey\/auto-insurance\/fa\/v1) Via Forbes Advisor's Partner |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\nSee More\n\nSee Less\n## Optional Car Insurance Coverage Types\nLiability insurance, uninsured motorist coverage, medical payments, and collision and comprehensive insurance are a good foundation for a car insurance policy. But you might need a few additional coverage types to fill in some gaps. Here are some to consider.\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/09\/Compare-price@2x-4.svg)\n\n### Gap Insurance\n[Gap insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/gap-insurance\/) pays the difference between the insurance check for your totaled car and the amount you owe on the loan or lease. Consider it if you have a big balance on your car loan and your car’s current value is well below the loan balance.\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/06\/Rental-car@2x.svg)\n\n### Rental Reimbursement\nIf your car is being repaired due to a problem covered by your policy, rental reimbursement insurance pays for a rental car or substitute transportation, such as train and bus fare, during repairs.\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/12\/Road-side-assistance@2x.svg)\n\n### Roadside Assistance\nIf your car breaks down or you run into another problem (like locking your keys in your car), [roadside assistance insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-roadside-assistance-plans\/) pays for services like a tow truck, jump-start, fuel delivery or a locksmith.\n## How To Buy Car Insurance\nOnce you’re ready to buy your car insurance policy, you’ll want to shop around to find the company that best fits your needs. You can get quotes online or by calling an agent, and it’s wise to [compare car insurance quotes](https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-quotes\/) from multiple companies.\n\nPro Tip\n\nCompare at least three car insurance quotes to ensure you’re getting a good deal.\n\nMake sure you ask about [car insurance discounts](https:\/\/www.forbes.com\/advisor\/car-insurance\/discounts\/). Insurance companies offer many types of discounts to attract customers—everything from good driver discounts, car safety discounts, and multi-policy discounts to discounts for paying in full or going paperless.\n\n## Find the Best Car Insurance Companies\nWith so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to.\n\n[Learn More](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/)\n## How Much Car Insurance Do I Need Frequently Asked Questions (FAQs)\n### What types of car insurance are mandatory?\nLiability insurance—which includes bodily injury liability coverage and [property damage liability coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/property-damage-liability-insurance\/)—is mandatory in nearly every state. Some states also require car owners to carry one or more of the following types of auto insurance:\n\n- Uninsured motorist insurance\n- Personal injury protection (PIP)\n- Medical payments coverage (MedPay)\n\nState regulations aren’t the only factor that can affect your coverage needs. If you finance or lease your vehicle, you may also have to carry [collision and comprehensive coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/comprehensive-vs-collision-auto-insurance\/).\n\n### What states require PIP and UM coverage?\nThe following states require that car owners purchase personal injury protection (PIP) and\/or uninsured motorist (UM) coverage.\n\n| State | PIP | UM |\n|---|---|---|\n| Connecticut |   | ✓ |\n| Delaware | ✓ |   |\n| Florida | ✓ |   |\n| Hawaii | ✓ |   |\n| Illinois |   | ✓ |\n| Kansas | ✓ | ✓ |\n| Kentucky | ✓ |   |\n| Maine |   | ✓ |\n| Maryland | ✓ | ✓ |\n| Massachusetts | ✓ | ✓ |\n| Michigan | ✓ |   |\n| Minnesota | ✓ | ✓ |\n| Missouri |   | ✓ |\n| Nebraska |   | ✓ |\n| New Hampshire |   | ✓ |\n| New Jersey | ✓ | ✓ |\n| New York | ✓ | ✓ |\n| North Carolina |   | ✓ |\n| North Dakota | ✓ | ✓ |\n| Oregon | ✓ | ✓ |\n| South Carolina\\* |   | ✓ |\n| South Dakota |   | ✓ |\n| Utah | ✓ |   |\n| Vermont |   | ✓ |\n| Virginia |   | ✓ |\n| Washington, D.C. |   | ✓ |\n| West Virginia |   | ✓ |\n| Wisconsin |   | ✓ |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\n\\*South Carolina and Virginia drivers can pay an uninsured motor vehicle fee to forgo coverage.\n\nSee More See Less\n\n### What deductible should I choose?\nChoose a car insurance deductible that you could pay without causing yourself financial hardship. Choosing a higher [car insurance deductible](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-car-insurance-deductible\/), such as \\$1,500 or \\$2,000, will lead to lower rates, but you’ll be responsible for that higher amount if you file a claim.\n\nIt’s wise to find out how much you can save by raising your car insurance deductible by asking your insurance agent to give you car insurance quotes with varying deductible amounts. See which types of coverage require a deductible.\n\n| Coverage type | Deductible? |\n|---|---|\n| Collision | Yes |\n| Comprehensive | Yes |\n| Liability insurance | No |\n| Personal injury protection (PIP) | Varies by state |\n| Uninsured motorist bodily injury | Not typically |\n| Uninsured motorist property damage | Varies by state |\n\n![Left Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f\/\/dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W\/rr+9crY6HxEgcwCBeuD+yQFCyPsH\/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o\/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=)\n\n![Right Arrow](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41\/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9\/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC)\n\nSee More See Less\n\n*Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA [License](https:\/\/comparecoverage.com\/licenses) \\# 6011227. © 2026 CompareCoverage. All Rights Reserved.*\n\nWas this article helpful?\n\nShare your feedback\n\nSend feedback to the editorial team\n\n![User Form](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/user-feedback-form\/user-form-icon.svg)\n\n![Success Icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/user-feedback-form\/success-icon.svg)\n\nThank You for your feedback\\!\n\n![Error Icon](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/user-feedback-form\/error-icon.svg)\n\nSomething went wrong. Please try again later.\n\nBuying Guides\n\n- [Best Car Insurance Companies](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/ \"Best Car Insurance Companies\")\n- [Best Car Insurance For New Drivers](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-for-new-drivers\/ \"Best Car Insurance For New Drivers\")\n- [Best High-Risk Car Insurance Companies](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-for-high-risk-drivers\/ \"Best High-Risk Car Insurance Companies\")\n- [Best Classic Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-classic-car-insurance\/ \"Best Classic Car Insurance\")\n- [Best Home And Auto Insurance Bundles](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-home-and-auto-insurance-bundles\/ \"Best Home And Auto Insurance Bundles\")\n- [Cheap Car Insurance After A DUI](https:\/\/www.forbes.com\/advisor\/car-insurance\/cheap-dui-car-insurance\/ \"Cheap Car Insurance After A DUI\")\n- [Cheapest Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/cheapest-car-insurance\/ \"Cheapest Car Insurance\")\n- [Cheapest Full Coverage Car Insurance](https:\/\/www.forbes.com\/advisor\/insurance\/best-cheap-full-coverage-car-insurance-2\/ \"Cheapest Full Coverage Car Insurance\")\n- [Compare Car Insurance Quotes](https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-quotes\/ \"Compare Car Insurance Quotes\")\n\nInfo Guides\n\n- [Average Cost of Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/average-cost-of-car-insurance\/ \"Average Cost of Car Insurance\")\n- [Allstate Vs. State Farm](https:\/\/www.forbes.com\/advisor\/car-insurance\/allstate-vs-state-farm\/ \"Allstate Vs. State Farm\")\n- [Car Insurance Discounts](https:\/\/www.forbes.com\/advisor\/car-insurance\/discounts\/ \"Car Insurance Discounts\")\n- [Car Insurance For Your New Car](https:\/\/www.forbes.com\/advisor\/car-insurance\/new-car-insurance\/ \"Car Insurance For Your New Car\")\n- [Cheap Insurance For Low-income Drivers](https:\/\/www.forbes.com\/advisor\/car-insurance\/low-income-car-insurance\/ \"Cheap Insurance For Low-income Drivers\")\n- [Cheap Same-Day Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/same-day-car-insurance\/ \"Cheap Same-Day Car Insurance\")\n- [First-Time Car Insurance Buyers](https:\/\/www.forbes.com\/advisor\/car-insurance\/tips-first-time-car-insurance-buyers\/ \"First-Time Car Insurance Buyers\")\n- [Gap Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/gap-insurance\/ \"Gap Insurance\")\n- [How To Buy Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/how-to-buy-car-insurance\/ \"How To Buy Car Insurance\")\n- [Liability Car Insurance: Cost And Coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/liability-insurance\/ \"Liability Car Insurance: Cost And Coverage\")\n- [Uninsured Motorist Coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/uninsured-motorist-coverage\/ \"Uninsured Motorist Coverage\")\n- [What Is Full Coverage Car Insurance?](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-full-coverage-car-insurance\/ \"What Is Full Coverage Car Insurance?\")\n\nAccidents & Insurance\n\n- [Best Roadside Assistance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-roadside-assistance-plans\/ \"Best Roadside Assistance\")\n- [Claim Against Someone Else’s Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/car-accident-insurance-claim\/ \"Claim Against Someone Else’s Car Insurance\")\n- [How Much Do Car Insurance Rates Go Up After An Accident?](https:\/\/www.forbes.com\/advisor\/car-insurance\/rate-increase-after-accident\/ \"How Much Do Car Insurance Rates Go Up After An Accident?\")\n- [Is Car Repair Insurance Worth It?](https:\/\/www.forbes.com\/advisor\/car-insurance\/car-repair-insurance\/ \"Is Car Repair Insurance Worth It?\")\n- [PIP Insurance & No-Fault Laws](https:\/\/www.forbes.com\/advisor\/car-insurance\/pip-guide\/ \"PIP Insurance & No-Fault Laws\")\n- [What Is Accident Forgiveness Car Insurance?](https:\/\/www.forbes.com\/advisor\/car-insurance\/accident-forgiveness\/ \"What Is Accident Forgiveness Car Insurance?\")\n- [What Is Collision Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-collision-insurance\/ \"What Is Collision Insurance\")\n- [What To Do After A Car Accident](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-to-do-after-accident\/ \"What To Do After A Car Accident\")\n\nCar Insurance by State\n\n- [California Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-california\/ \"California Car Insurance\")\n- [Colorado Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-colorado\/ \"Colorado Car Insurance\")\n- [Florida Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-florida\/ \"Florida Car Insurance\")\n- [Michigan Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-michigan\/ \"Michigan Car Insurance\")\n- [New Jersey Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-jersey\/ \"New Jersey Car Insurance\")\n- [New York Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-york\/ \"New York Car Insurance\")\n- [Texas Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-texas\/ \"Texas Car Insurance\")\n- [Washington Car Insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-washington\/ \"Washington Car Insurance\")\n\nStatistics\n\n- [Speeding ticket rate increase](https:\/\/www.forbes.com\/advisor\/car-insurance\/speeding-ticket-rate-increase\/ \"Speeding ticket rate increase\")\n- [Car Insurance Rates By State](https:\/\/www.forbes.com\/advisor\/car-insurance\/rates-by-state\/ \"Car Insurance Rates By State\")\n- [Teen Driving Statistics](https:\/\/www.forbes.com\/advisor\/car-insurance\/teen-driving-statistics\/ \"Teen Driving Statistics\")\n- [Worst states for drunk driving](https:\/\/www.forbes.com\/advisor\/car-insurance\/worst-states-for-drunk-driving\/ \"Worst states for drunk driving\")\n- [Drunk Driving Statistics](https:\/\/www.forbes.com\/advisor\/car-insurance\/drunk-driving-statistics-apr-26\/ \"Drunk Driving Statistics\")\n- [Minimum Car Insurance Required In Your State](https:\/\/www.forbes.com\/advisor\/car-insurance\/minimum-required-in-state\/ \"Minimum Car Insurance Required In Your State\")\n- [Most And Least Expensive Vehicles To Insure](https:\/\/www.forbes.com\/advisor\/car-insurance\/most-least-expensive-cars-to-insure\/ \"Most And Least Expensive Vehicles To Insure\")\n- [Texting And Driving Statistics](https:\/\/www.forbes.com\/advisor\/car-insurance\/texting-driving-statistics\/ \"Texting And Driving Statistics\")\n\nOther Types Of Insurance\n\n- [Home Insurance](https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/best-homeowners-insurance-companies\/ \"Home Insurance\")\n- [Renters Insurance](https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/best-renters-insurance\/ \"Renters Insurance\")\n- [Life Insurance](https:\/\/www.forbes.com\/advisor\/life-insurance\/best-life-insurance-companies\/ \"Life Insurance\")\n- [Pet Insurance](https:\/\/www.forbes.com\/advisor\/pet-insurance\/best-pet-insurance\/ \"Pet Insurance\")\n- [Travel Insurance](https:\/\/www.forbes.com\/advisor\/travel-insurance\/best-travel-insurance\/ \"Travel Insurance\")\n- [Health Insurance](https:\/\/www.forbes.com\/advisor\/health-insurance\/best-health-insurance-companies\/ \"Health Insurance\")\n- [Short-Term Health Insurance](https:\/\/www.forbes.com\/advisor\/health-insurance\/best-short-term-health-insurance\/ \"Short-Term Health Insurance \")\n- [Dental Insurance](https:\/\/www.forbes.com\/advisor\/health-insurance\/dental-insurance\/best-dental-insurance-companies\/ \"Dental Insurance\")\n- [Business Insurance](https:\/\/www.forbes.com\/advisor\/business-insurance\/best-small-business-insurance\/ \"Business Insurance\")\n\n### Next Up In Car Insurance\n- [Best Car Insurance Companies](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/ \"Best Car Insurance Companies\")\n- [How Much Car Insurance Do You Need?](https:\/\/www.forbes.com\/advisor\/car-insurance\/how-much-car-insurance-do-you-need\/ \"How Much Car Insurance Do You Need?\")\n- [Compare Car Insurance Quotes](https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-quotes\/ \"Compare Car Insurance Quotes\")\n\n#### More from  ![forbes-advisor](https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/forbes-updated-logo.svg)\n[![Best Car Shipping Companies Of 2026](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2026\/04\/featured-image-best-car-shipping-568x322.jpeg) Best Car Shipping Companies Of 2026 ![Emily Glover](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/04\/Emily-Updated-Headshot.jpg) By **Emily Glover**](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-shipping-companies\/ \"Best Car Shipping Companies Of 2026\")\n\n[![Best Car Shipping Companies In Connecticut Of 2026](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2026\/03\/Connecticut-Shipping-1-568x322.jpg) Best Car Shipping Companies In Connecticut Of 2026 ![Kristin 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Texas Of 2026 ![Emily Glover](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/04\/Emily-Updated-Headshot.jpg) By **Emily Glover**](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-shipping-companies-texas\/ \"Best Car Shipping Companies In Texas Of 2026\")\n\nInformation provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.  \n   \n Forbes Advisor adheres to strict [editorial integrity standards](https:\/\/www.forbes.com\/advisor\/about-us\/). To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our [partners](https:\/\/www.forbes.com\/advisor\/advertiser-disclosure\/ \"Advertiser Disclosure\").\n\n[![Penny Gusner](https:\/\/thumbor.forbes.com\/thumbor\/fit-in\/x\/https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2021\/10\/penny-88x88.jpg)](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/ \"Penny Gusner\")\n\n[Penny Gusner](https:\/\/www.forbes.com\/advisor\/author\/pgusner\/)\n\nStaff Writer\n\nPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.\n\n© 2026 Forbes Media LLC. All Rights Reserved.\n\n- [AdChoices](https:\/\/preferences-mgr.truste.com\/?pid=forbes01)\n- [Privacy Statement](https:\/\/www.forbes.com\/advisor\/privacy-policy\/)\n- [Do Not Sell or Share My Personal Information](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_do_not_sell=true)\n- [Limit the Use of My Sensitive Personal Information](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_limit=true)\n- [Privacy Preferences](https:\/\/www.forbes.com\/consent\/editprivacy\/?consent_limit=true)\n- [Terms of Sale](https:\/\/www.forbes.com\/digital-terms-of-sale)\n- [Terms of Service](https:\/\/www.forbes.com\/terms-and-conditions\/)\n- [Contact Us](https:\/\/www.forbes.com\/fdc\/contact.html)\n- [Send Us Feedback](mailto:feedback@forbes.com)\n- [Report a Security Issue](https:\/\/www.forbes.com\/contact\/)\n- [Jobs At Forbes](https:\/\/www.forbes.com\/sites\/careers-at-forbes\/)\n- [Reprints & Permissions](http:\/\/forbesreprints.magreprints.com\/)\n- [Forbes Press Room](https:\/\/www.forbes.com\/sites\/forbespr\/)\n- [Advertise](http:\/\/www.forbesmedia.com\/)\n\nlorem\n\nAre you sure you want to rest your choices?\n\ncancel\n\nok\n\nThe Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. **First**, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. **Second,** we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our [partners](https:\/\/www.forbes.com\/advisor\/advertiser-disclosure\/) who offer products that we have affiliate links for.","attrs_readable_markdown":"Each state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident.\n\nCommon liability limits are \\$25,000 per person, \\$50,000 per accident for bodily injury and \\$25,000 for physical damage. But your state’s requirements may be different. To determine how much [car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/) you need, understand what your state requires and assess your personal needs.\n\nYou need enough car insurance to comply with state laws. Beyond that, we advise you to get limits high enough to pay for injuries, property damage and lawsuits that may arise from an accident if you don’t have enough savings to pay for them otherwise. And even if you do have the savings, can you afford to spend it all on a car accident? If you’re like most people, the answer to that question is no.\n\nThe [best car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-car-insurance-companies\/) policy will go beyond state requirements and also provide coverage for your vehicle. If you have a lease or loan, your lender will typically require you to buy collision and comprehensive coverage to cover your car.\n\nThe National Association of Insurance Commissioners recommends buying enough car insurance to:\n\n- Comply with state laws\n- Satisfy your lender (if you have a loan or lease)\n- Protect your assets in case of a lawsuit against you over a car accident\n## How To Calculate Your Car Insurance Coverage Needs\nTo calculate your car insurance coverage needs, you should assess:\n\n- Your state’s auto insurance requirements\n- Your financial situation\n- Your vehicle’s value\n- Potential risks for accidents or theft\n\nState minimum coverage complies with insurance laws, but buying higher limits is strongly recommended if your financial situation allows.\n\nEveryone’s needs vary, but higher car insurance liability limits lower your chance of exceeding them and being held personally responsible for damages you caused others in an auto accident.\n\nKnowing your vehicle’s value helps you decide if you need collision and comprehensive coverage. And if your household has a higher risk for accidents—perhaps due to having a teen driver—higher liability limits along with coverage for your car may be the wisest move.\n\n## What Car Insurance Coverage Do I Need?\nMost states require car owners to buy liability car insurance, but coverage requirements vary by state. Depending on where you live, you may need to buy additional coverage types—such as uninsured motorist coverage, personal injury protection or medical payments coverage. Lenders typically mandate collision and comprehensive insurance if your car is leased or financed.\n\nPro Tip\n\nReview your car insurance policy annually to make certain your selected coverage options and limits still meets your needs.\n\nHere are common car insurance coverage options and recommended limits for each. These are general recommendations, so it’s important to evaluate your personal financial situation to determine the coverage that best suits your needs.\n\n| Coverage | Adequate | Good | Even better |\n|---|---|---|---|\n| Liability car insurance | State minimum | \\$100,000 per person for bodily injury liability \\$300,000 per accident for bodily injury liability \\$100,000 for property damage | \\$250,000 per person for bodily injury liability \\$500,000 per accident for bodily injury liability \\$250,000 for property damage |\n| Uninsured\/underinsured motorist coverage | State minimum | \\$100,000 per person for bodily injury liability \\$300,000 per accident for bodily injury liability | \\$250,000 per person for bodily injury liability \\$500,000 per accident for bodily injury liability |\n| Personal injury protection (PIP) | State minimum | \\$40,000 | State maximum |\n| Collision coverage | Not required | Recommended | Recommended |\n| Comprehensive coverage | Not required | Recommended | Recommended |\n## Car Insurance Requirements by State\nEvery state has a financial responsibility law for vehicles, which typically means drivers buying car insurance.\n\nThe minimum amount of auto insurance you need to buy varies by state. But no matter where you live, liability car insurance—which covers damage and injuries you cause others in an accident—is the main required coverage. The [minimum car insurance required by your state](https:\/\/www.forbes.com\/advisor\/car-insurance\/minimum-required-in-state\/) is important to know, but this amount may not be adequate for your needs.\n\n| State | Bodily injury liability (per person\/per accident) | Property damage liability (per accident) | Other car insurance requirements |\n|---|---|---|---|\n| [Alabama](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-alabama\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Alaska](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-alaska\/) | \\$50,000 per person \\$100,000 per accident | \\$25,000 | None |\n| [Arizona](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-arizona\/) | \\$25,000 per person \\$50,000 per accident | \\$15,000 | None |\n| [Arkansas](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-arkansas\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [California](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-california\/) | \\$30,000 per person \\$60,000 per accident | \\$15,000 | None |\n| [Colorado](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-colorado\/) | \\$25,000 per person \\$50,000 per accident | \\$15,000 | None |\n| [Connecticut](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-connecticut\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Delaware](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-delaware\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Personal injury protection:** \\$15,000 per person \\$30,000 per accident |\n| [Florida](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-florida\/) | \\$10,000 per person \\$20,000 per accident | \\$10,000 | **Personal injury protection:** \\$10,000 |\n| [Georgia](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-georgia\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Hawaii](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-hawaii\/) | \\$20,000 per person \\$40,000 per accident | \\$10,000 | **Personal injury protection:** \\$10,000 |\n| [Idaho](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-idaho\/) | \\$25,000 per person \\$50,000 per accident | \\$15,000 | None |\n| [Illinois](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-illinois\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Indiana](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-indiana\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Iowa](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-iowa\/) | \\$20,000 per person \\$40,000 per accident | \\$15,000 | None |\n| [Kansas](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-kansas\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$4,500 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Kentucky](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-kentucky\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$10,000 |\n| [Louisiana](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-louisiana\/) | \\$15,000 per person \\$30,000 per accident | \\$25,000 | None |\n| [Maine](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-maine\/) | \\$50,000 per person \\$100,000 per accident | \\$25,000 | **Medical payments:** \\$2,000 **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident |\n| [Maryland](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-maryland\/) | \\$30,000 per person \\$60,000 per accident | \\$15,000 | **Personal injury protection:** \\$2,500 **Uninsured\/underinsured motorist bodily injury:** \\$30,000 per person \\$60,000 per accident **Uninsured motorist property damage:** \\$15,000 |\n| [Massachusetts](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-massachusetts\/) | \\$25,000 per person \\$50,000 per accident | \\$30,000 | **Personal injury protection:** \\$8,000 **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Michigan](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-michigan\/) | \\$50,000 per person \\$100,000 per accident | \\$10,000 | **Personal injury protection:** \\$250,000 **Property protection Insurance:** \\$1 million |\n| [Minnesota](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-minnesota\/) | \\$30,000 per person \\$60,000 per accident | \\$10,000 | **Personal injury protection:** \\$40,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Mississippi](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-mississippi\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Missouri](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-missouri\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Montana](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-montana\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | None |\n| [Nebraska](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-nebraska\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Nevada](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-nevada\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | None |\n| [New Hampshire](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-hampshire\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Medical payments:** \\$1,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [New Jersey](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-jersey\/) \\* | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$15,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [New Mexico](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-mexico\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | None |\n| [New York](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-york\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Personal injury protection:** \\$50,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [North Carolina](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-north-carolina\/) | \\$50,000 per person \\$100,000 per accident | \\$50,000 | **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident **Uninsured motorist property damage:** \\$50,000 |\n| [North Dakota](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-north-dakota\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Personal injury protection:** \\$30,000 **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Ohio](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-ohio\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Oklahoma](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-oklahoma\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Oregon](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-oregon\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | **Personal injury protection:** \\$15,000 **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Pennsylvania](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-pennsylvania\/) | \\$15,000 per person \\$30,000 per accident | \\$5,000 | **Medical benefits:** \\$5,000 |\n| [Rhode Island](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-rhode-island\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [South Carolina](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-south-carolina\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [South Dakota](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-south-dakota\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Tennessee](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-tennessee\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | None |\n| [Texas](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-texas\/) | \\$30,000 per person \\$60,000 per accident | \\$25,000 | None |\n| [Utah](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-utah\/) | \\$30,000 per person \\$65,000 per accident | \\$25,000 | **Personal injury protection:** \\$3,000 |\n| [Vermont](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-vermont\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident **Uninsured motorist property damage:** \\$10,000 |\n| [Virginia](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-virginia\/) | \\$50,000 per person \\$100,000 per accident | \\$25,000 | **Uninsured\/underinsured motorist bodily injury:** \\$50,000 per person \\$100,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [Washington](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-washington\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | None |\n| Washington, D.C. | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$5,000 |\n| [West Virginia](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-west-virginia\/) | \\$25,000 per person \\$50,000 per accident | \\$25,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident **Uninsured motorist property damage:** \\$25,000 |\n| [Wisconsin](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-wisconsin\/) | \\$25,000 per person \\$50,000 per accident | \\$10,000 | **Uninsured motorist bodily injury:** \\$25,000 per person \\$50,000 per accident |\n| [Wyoming](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-wyoming\/) | \\$25,000 per person \\$50,000 per accident | \\$20,000 | None |\n\n\\*New Jersey’s limits will increase to 35\/70\/25 on Jan. 1, 2026.Insurance requirements based on information from each state’s department of motor vehicles, as of October 2025.\n### Which States Don’t Require Car Insurance?\nWhile requiring car insurance is the norm, two states are unique in the choices you have.\n\n- **New Hampshire** does not require car insurance, but if you’re in an at-fault accident you must prove you have adequate funds to fulfill the state’s financial responsibility law. This could include buying car insurance.\n- **South Carolina** law allows you to legally drive without auto insurance if you meet certain qualifications and pay \\$600 to register an uninsured vehicle.\n\nChoosing to go without car insurance in either [New Hampshire](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-new-hampshire\/) or [South Carolina](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-south-carolina\/) leaves you personally responsible for paying for damage to property or injuries to people if you cause an accident.\n\n## How To Estimate Car Insurance Costs\nOur car insurance calculator can give you an estimate of costs based on your state and driving record.\n\n### Compare Quotes With Multiple Companies\nEach car insurance company has its own formula for setting rates, and it’s likely that your driver profile will be a better fit for some companies than others. That is why you need to compare car insurance quotes with at least three auto insurers.\n\nPro Tip\n\nComparison shopping will help you find the best rates for your specific situation.\n\nMake sure you compare the same coverage options and limits so you’re comparing apples to apples and can find the best price.\n\n### Provide Accurate Information\nFactors like your age, type of vehicle, coverage amount, deductibles, driving history and location will be used to determine your car insurance cost estimate. If you provide incorrect information, the rate estimate will be wrong.\n\nPro Tip\n\nAuto insurers run a variety of reports to verify the information you provide, so you should give accurate information to get an accurate car insurance quote.\n\nIf you buy a policy based on faulty information, you could have your policy canceled or your rates recalculated to a high rate once the auto insurer finds out.\n\n## Is Minimum Car Insurance Coverage Enough?\nMinimum car insurance coverage is better than no coverage, but it can be woefully inadequate for many drivers. Minimum coverage typically has a fairly low limit, leaving you open to a financial crisis if you don’t have enough insurance for an accident you cause. Also, state minimum auto insurance won’t provide any coverage for your own car’s repair bills after an accident. If you want better coverage, buy more than the minimum requirements.\n\nWith a basic knowledge of the [main types of car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/types-of-car-insurance\/), you can build a policy that fits your specific insurance needs.\n\n## Types of Auto Insurance Coverage\n### Liability Insurance\n[Liability car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/liability-insurance\/) pays for injuries and property damage suffered by others if you’re at fault for an accident. It also pays your legal defense and any settlements or judgments if you’re sued because of an accident.\n\nLiability car insurance includes two different types of coverage packaged together:\n\n- **Bodily injury liability** pays for injuries to other drivers, their passengers and any hurt pedestrians if you’re at fault for an accident.\n- **Property damage liability** pays for damage to another individual’s property, including their vehicle, if you cause an accident.\n#### How To Read Liability Limits\nLiability limits are written as a group of three numbers, such as 15\/30\/15, and break down to mean:\n\n- 15 = \\$15,000 of bodily injury liability coverage per person\n- 30 = \\$30,000 of bodily injury liability coverage per accident\n- 15 = \\$15,000 of property damage liability coverage per accident\n\nBuying only your state’s minimum liability car insurance could be a costly mistake because these amounts are usually inadequate if you cause an expensive accident. Limits of 100\/300\/100 or higher are recommended, so you’re less likely to exceed your limits.\n\nPro Tip\n\nGet quotes for a variety of liability limits to see how high of a limit your budget can afford.\n\n**How much liability insurance should I buy?**\n\nA good rule of thumb is to buy enough liability insurance to cover what you could lose in a lawsuit against you if you cause a car accident. In California, a 250\/500\/100 policy would be a much better choice than the state minimum of 30\/60\/15.\n\nUnderstanding liability insurance limits is critical to choosing the right amount of car insurance.\n\nFor extra liability insurance above your base auto and home insurance policies, consider getting an [umbrella insurance policy](https:\/\/www.forbes.com\/advisor\/car-insurance\/umbrella-insurance\/). You can buy an additional \\$1 million (or more) in liability coverage through an umbrella policy for a relatively inexpensive amount.\n\n### Uninsured Motorist Insurance\nUninsured motorist (UM) and underinsured motorist (UIM) insurance pay for your medical bills if someone crashes into you and they do not have liability insurance or not enough. [Uninsured motorist coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/uninsured-motorist-coverage\/) is required in some states and optional in others. In states where UM is optional, you can typically reject the coverage in writing.\n\nIf UM is available in your state, this is good coverage to have. UM coverage pays for:\n\n- Funeral expenses\n- Lost wages due to injuries suffered in the car accident\n- Medical expenses for you and your passengers\n- Pain and suffering of you or your passengers\n- Your vehicle damage (depending on your state), if you have purchased uninsured motorist property damage coverage\n\nUninsured motorist insurance does not pay anything to the uninsured driver who caused the accident. They’re on their own.\n\n#### How Much Uninsured Motorist Coverage Should I Buy?\nYou’ll typically need to purchase UM in amounts that match your liability insurance. For example, if you have liability coverage of 250\/500\/100, you’ll need to buy the same amount of UM coverage.\n\n### Collision and Comprehensive Insurance\n[Collision insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-collision-insurance\/) pays to repair or replace your vehicle after a collision with another car or if you hit other objects, like a tree, fence or guardrail. [Comprehensive insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-comprehensive-car-insurance\/) pays for repairing or replacing your car if it’s stolen or damaged by a range of problems, such as falling objects, fire, floods, hail, vandalism or striking an animal.\n\nCollision and comprehensive insurance are usually sold together. You’ll want this optional coverage as part of your policy if you want insurance for damage to your own vehicle and theft of your vehicle. And, if you have a car loan or lease, your lender or leasing company will likely require you to buy both.\n\n#### How Much Collision and Comprehensive Insurance Should I Buy?\nYou don’t buy a certain amount of collision and comprehensive because the most this coverage will pay out is the value of your totaled vehicle. If you want to cut costs, select a higher deductible amount, which is the amount deducted from a claims check. For example, a \\$1,000 deductible will result in slightly cheaper premiums than a \\$500 deductible.\n\n### Personal Injury Protection\n[Personal injury protection](https:\/\/www.forbes.com\/advisor\/car-insurance\/pip-guide\/) (PIP) covers medical bills for you and your passengers no matter who caused the car accident. It also pays for other expenses like lost wages, funeral expenses and replacement services you can’t do because of injuries, like cleaning services or child care.\n\nSome states require PIP as part of their “no-fault auto insurance” laws, while in other states, you can buy PIP as an optional coverage type, and some states don’t have it as an option.\n\n#### How Much PIP Insurance Should I Buy?\nPIP rules vary by state and it’s not sold in all states. For example, for [Florida car insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/state\/cheapest-car-insurance-in-florida\/), PIP options range from basic to extended:\n\n- Basic Florida PIP covers 80% of your medical bills and 60% of lost wages and replacement services\n- Extended Florida PIP covers 100% of medical bills and 80% of lost wages and replacement services\n\nIf PIP is optional in your state, you can decline it if you have a good health insurance plan. But PIP has some perks your health insurance won’t provide, such as reimbursement for services and lost wages.\n\n### Medical Expenses Coverage\nMedical expenses coverage is also known as [medical payments coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/medical-payments-medpay-coverage\/) and often referred to as “MedPay.” It’s similar to PIP in that it pays for medical bills and other expenses for you and your passengers, no matter who caused the car accident. Unlike PIP, it doesn’t pay for pain and suffering or reimburse you for replacement services.\n\n#### How Much MedPay Should I Buy?\nIn states where MedPay is available, it’s usually sold in small amounts of coverage that often range between \\$1,000 and \\$5,000.\n\n## Top picks: Car Insurance Companies\n## Optional Car Insurance Coverage Types\nLiability insurance, uninsured motorist coverage, medical payments, and collision and comprehensive insurance are a good foundation for a car insurance policy. But you might need a few additional coverage types to fill in some gaps. Here are some to consider.\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/09\/Compare-price@2x-4.svg)\n\n### Gap Insurance\n[Gap insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/gap-insurance\/) pays the difference between the insurance check for your totaled car and the amount you owe on the loan or lease. Consider it if you have a big balance on your car loan and your car’s current value is well below the loan balance.\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2025\/06\/Rental-car@2x.svg)\n\n### Rental Reimbursement\nIf your car is being repaired due to a problem covered by your policy, rental reimbursement insurance pays for a rental car or substitute transportation, such as train and bus fare, during repairs.\n\n![](https:\/\/www.forbes.com\/advisor\/wp-content\/uploads\/2024\/12\/Road-side-assistance@2x.svg)\n\n### Roadside Assistance\nIf your car breaks down or you run into another problem (like locking your keys in your car), [roadside assistance insurance](https:\/\/www.forbes.com\/advisor\/car-insurance\/best-roadside-assistance-plans\/) pays for services like a tow truck, jump-start, fuel delivery or a locksmith.\n## How To Buy Car Insurance\nOnce you’re ready to buy your car insurance policy, you’ll want to shop around to find the company that best fits your needs. You can get quotes online or by calling an agent, and it’s wise to [compare car insurance quotes](https:\/\/www.forbes.com\/advisor\/car-insurance\/car-insurance-quotes\/) from multiple companies.\n\nPro Tip\n\nCompare at least three car insurance quotes to ensure you’re getting a good deal.\n\nMake sure you ask about [car insurance discounts](https:\/\/www.forbes.com\/advisor\/car-insurance\/discounts\/). Insurance companies offer many types of discounts to attract customers—everything from good driver discounts, car safety discounts, and multi-policy discounts to discounts for paying in full or going paperless.\n\n## Find the Best Car Insurance Companies\nWith so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to.\n## How Much Car Insurance Do I Need Frequently Asked Questions (FAQs)\nLiability insurance—which includes bodily injury liability coverage and [property damage liability coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/property-damage-liability-insurance\/)—is mandatory in nearly every state. Some states also require car owners to carry one or more of the following types of auto insurance:\n\n- Uninsured motorist insurance\n- Personal injury protection (PIP)\n- Medical payments coverage (MedPay)\n\nState regulations aren’t the only factor that can affect your coverage needs. If you finance or lease your vehicle, you may also have to carry [collision and comprehensive coverage](https:\/\/www.forbes.com\/advisor\/car-insurance\/comprehensive-vs-collision-auto-insurance\/).\n\nThe following states require that car owners purchase personal injury protection (PIP) and\/or uninsured motorist (UM) coverage.\n\n| State | PIP | UM |\n|---|---|---|\n| Connecticut |   | ✓ |\n| Delaware | ✓ |   |\n| Florida | ✓ |   |\n| Hawaii | ✓ |   |\n| Illinois |   | ✓ |\n| Kansas | ✓ | ✓ |\n| Kentucky | ✓ |   |\n| Maine |   | ✓ |\n| Maryland | ✓ | ✓ |\n| Massachusetts | ✓ | ✓ |\n| Michigan | ✓ |   |\n| Minnesota | ✓ | ✓ |\n| Missouri |   | ✓ |\n| Nebraska |   | ✓ |\n| New Hampshire |   | ✓ |\n| New Jersey | ✓ | ✓ |\n| New York | ✓ | ✓ |\n| North Carolina |   | ✓ |\n| North Dakota | ✓ | ✓ |\n| Oregon | ✓ | ✓ |\n| South Carolina\\* |   | ✓ |\n| South Dakota |   | ✓ |\n| Utah | ✓ |   |\n| Vermont |   | ✓ |\n| Virginia |   | ✓ |\n| Washington, D.C. |   | ✓ |\n| West Virginia |   | ✓ |\n| Wisconsin |   | ✓ |\n\n\\*South Carolina and Virginia drivers can pay an uninsured motor vehicle fee to forgo coverage.\n\nChoose a car insurance deductible that you could pay without causing yourself financial hardship. Choosing a higher [car insurance deductible](https:\/\/www.forbes.com\/advisor\/car-insurance\/what-is-car-insurance-deductible\/), such as \\$1,500 or \\$2,000, will lead to lower rates, but you’ll be responsible for that higher amount if you file a claim.\n\nIt’s wise to find out how much you can save by raising your car insurance deductible by asking your insurance agent to give you car insurance quotes with varying deductible amounts. See which types of coverage require a deductible.\n\n| Coverage type | Deductible? |\n|---|---|\n| Collision | Yes |\n| Comprehensive | Yes |\n| Liability insurance | No |\n| Personal injury protection (PIP) | Varies by state |\n| Uninsured motorist bodily injury | Not typically |\n| Uninsured motorist property damage | Varies by state |\n\n*Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA [License](https:\/\/comparecoverage.com\/licenses) \\# 6011227. © 2026 CompareCoverage. 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URL	https://www.forbes.com/advisor/car-insurance/how-much-car-insurance-do-you-need/
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Meta Title	How Much Car Insurance Do I Need? – Forbes Advisor
Meta Description	Learn about car insurance requirements by state to see how much auto insurance you need. You may find that basic state limits are inadequate.
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Boilerpipe Text	Each state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident. Common liability limits are $25,000 per person, $50,000 per accident for bodily injury and $25,000 for physical damage. But your state’s requirements may be different. To determine how much car insurance you need, understand what your state requires and assess your personal needs. You need enough car insurance to comply with state laws. Beyond that, we advise you to get limits high enough to pay for injuries, property damage and lawsuits that may arise from an accident if you don’t have enough savings to pay for them otherwise. And even if you do have the savings, can you afford to spend it all on a car accident? If you’re like most people, the answer to that question is no. The best car insurance policy will go beyond state requirements and also provide coverage for your vehicle. If you have a lease or loan, your lender will typically require you to buy collision and comprehensive coverage to cover your car. The National Association of Insurance Commissioners recommends buying enough car insurance to: Comply with state laws Satisfy your lender (if you have a loan or lease) Protect your assets in case of a lawsuit against you over a car accident How To Calculate Your Car Insurance Coverage Needs To calculate your car insurance coverage needs, you should assess: Your state’s auto insurance requirements Your financial situation Your vehicle’s value Potential risks for accidents or theft State minimum coverage complies with insurance laws, but buying higher limits is strongly recommended if your financial situation allows. Everyone’s needs vary, but higher car insurance liability limits lower your chance of exceeding them and being held personally responsible for damages you caused others in an auto accident. Knowing your vehicle’s value helps you decide if you need collision and comprehensive coverage. And if your household has a higher risk for accidents—perhaps due to having a teen driver—higher liability limits along with coverage for your car may be the wisest move. What Car Insurance Coverage Do I Need? Most states require car owners to buy liability car insurance, but coverage requirements vary by state. Depending on where you live, you may need to buy additional coverage types—such as uninsured motorist coverage, personal injury protection or medical payments coverage. Lenders typically mandate collision and comprehensive insurance if your car is leased or financed. Pro Tip Review your car insurance policy annually to make certain your selected coverage options and limits still meets your needs. Here are common car insurance coverage options and recommended limits for each. These are general recommendations, so it’s important to evaluate your personal financial situation to determine the coverage that best suits your needs. Coverage Adequate Good Even better Liability car insurance State minimum $100,000 per person for bodily injury liability $300,000 per accident for bodily injury liability $100,000 for property damage $250,000 per person for bodily injury liability $500,000 per accident for bodily injury liability $250,000 for property damage Uninsured/underinsured motorist coverage State minimum $100,000 per person for bodily injury liability $300,000 per accident for bodily injury liability $250,000 per person for bodily injury liability $500,000 per accident for bodily injury liability Personal injury protection (PIP) State minimum $40,000 State maximum Collision coverage Not required Recommended Recommended Comprehensive coverage Not required Recommended Recommended Car Insurance Requirements by State Every state has a financial responsibility law for vehicles, which typically means drivers buying car insurance. The minimum amount of auto insurance you need to buy varies by state. But no matter where you live, liability car insurance—which covers damage and injuries you cause others in an accident—is the main required coverage. The minimum car insurance required by your state is important to know, but this amount may not be adequate for your needs. State Bodily injury liability (per person/per accident) Property damage liability (per accident) Other car insurance requirements Alabama $25,000 per person $50,000 per accident $25,000 None Alaska $50,000 per person $100,000 per accident $25,000 None Arizona $25,000 per person $50,000 per accident $15,000 None Arkansas $25,000 per person $50,000 per accident $25,000 None California $30,000 per person $60,000 per accident $15,000 None Colorado $25,000 per person $50,000 per accident $15,000 None Connecticut $25,000 per person $50,000 per accident $25,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Delaware $25,000 per person $50,000 per accident $10,000 Personal injury protection: $15,000 per person $30,000 per accident Florida $10,000 per person $20,000 per accident $10,000 Personal injury protection: $10,000 Georgia $25,000 per person $50,000 per accident $25,000 None Hawaii $20,000 per person $40,000 per accident $10,000 Personal injury protection: $10,000 Idaho $25,000 per person $50,000 per accident $15,000 None Illinois $25,000 per person $50,000 per accident $20,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Indiana $25,000 per person $50,000 per accident $25,000 None Iowa $20,000 per person $40,000 per accident $15,000 None Kansas $25,000 per person $50,000 per accident $25,000 Personal injury protection: $4,500 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Kentucky $25,000 per person $50,000 per accident $25,000 Personal injury protection: $10,000 Louisiana $15,000 per person $30,000 per accident $25,000 None Maine $50,000 per person $100,000 per accident $25,000 Medical payments: $2,000 Uninsured/underinsured motorist bodily injury: $50,000 per person $100,000 per accident Maryland $30,000 per person $60,000 per accident $15,000 Personal injury protection: $2,500 Uninsured/underinsured motorist bodily injury: $30,000 per person $60,000 per accident Uninsured motorist property damage: $15,000 Massachusetts $25,000 per person $50,000 per accident $30,000 Personal injury protection: $8,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Michigan $50,000 per person $100,000 per accident $10,000 Personal injury protection: $250,000 Property protection Insurance: $1 million Minnesota $30,000 per person $60,000 per accident $10,000 Personal injury protection: $40,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Mississippi $25,000 per person $50,000 per accident $25,000 None Missouri $25,000 per person $50,000 per accident $25,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Montana $25,000 per person $50,000 per accident $20,000 None Nebraska $25,000 per person $50,000 per accident $25,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Nevada $25,000 per person $50,000 per accident $20,000 None New Hampshire $25,000 per person $50,000 per accident $25,000 Medical payments: $1,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident New Jersey * $25,000 per person $50,000 per accident $25,000 Personal injury protection: $15,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Uninsured motorist property damage: $25,000 New Mexico $25,000 per person $50,000 per accident $10,000 None New York $25,000 per person $50,000 per accident $10,000 Personal injury protection: $50,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident North Carolina $50,000 per person $100,000 per accident $50,000 Uninsured/underinsured motorist bodily injury: $50,000 per person $100,000 per accident Uninsured motorist property damage: $50,000 North Dakota $25,000 per person $50,000 per accident $25,000 Personal injury protection: $30,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Ohio $25,000 per person $50,000 per accident $25,000 None Oklahoma $25,000 per person $50,000 per accident $25,000 None Oregon $25,000 per person $50,000 per accident $20,000 Personal injury protection: $15,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Pennsylvania $15,000 per person $30,000 per accident $5,000 Medical benefits: $5,000 Rhode Island $25,000 per person $50,000 per accident $25,000 None South Carolina $25,000 per person $50,000 per accident $25,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Uninsured motorist property damage: $25,000 South Dakota $25,000 per person $50,000 per accident $25,000 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Tennessee $25,000 per person $50,000 per accident $25,000 None Texas $30,000 per person $60,000 per accident $25,000 None Utah $30,000 per person $65,000 per accident $25,000 Personal injury protection: $3,000 Vermont $25,000 per person $50,000 per accident $10,000 Uninsured/underinsured motorist bodily injury: $50,000 per person $100,000 per accident Uninsured motorist property damage: $10,000 Virginia $50,000 per person $100,000 per accident $25,000 Uninsured/underinsured motorist bodily injury: $50,000 per person $100,000 per accident Uninsured motorist property damage: $25,000 Washington $25,000 per person $50,000 per accident $10,000 None Washington, D.C. $25,000 per person $50,000 per accident $10,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Uninsured motorist property damage: $5,000 West Virginia $25,000 per person $50,000 per accident $25,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Uninsured motorist property damage: $25,000 Wisconsin $25,000 per person $50,000 per accident $10,000 Uninsured motorist bodily injury: $25,000 per person $50,000 per accident Wyoming $25,000 per person $50,000 per accident $20,000 None New Jersey’s limits will increase to 35/70/25 on Jan. 1, 2026.Insurance requirements based on information from each state’s department of motor vehicles, as of October 2025. Which States Don’t Require Car Insurance? While requiring car insurance is the norm, two states are unique in the choices you have. New Hampshire does not require car insurance, but if you’re in an at-fault accident you must prove you have adequate funds to fulfill the state’s financial responsibility law. This could include buying car insurance. South Carolina law allows you to legally drive without auto insurance if you meet certain qualifications and pay $600 to register an uninsured vehicle. Choosing to go without car insurance in either New Hampshire or South Carolina leaves you personally responsible for paying for damage to property or injuries to people if you cause an accident. How To Estimate Car Insurance Costs Our car insurance calculator can give you an estimate of costs based on your state and driving record. Compare Quotes With Multiple Companies Each car insurance company has its own formula for setting rates, and it’s likely that your driver profile will be a better fit for some companies than others. That is why you need to compare car insurance quotes with at least three auto insurers. Pro Tip Comparison shopping will help you find the best rates for your specific situation. Make sure you compare the same coverage options and limits so you’re comparing apples to apples and can find the best price. Provide Accurate Information Factors like your age, type of vehicle, coverage amount, deductibles, driving history and location will be used to determine your car insurance cost estimate. If you provide incorrect information, the rate estimate will be wrong. Pro Tip Auto insurers run a variety of reports to verify the information you provide, so you should give accurate information to get an accurate car insurance quote. If you buy a policy based on faulty information, you could have your policy canceled or your rates recalculated to a high rate once the auto insurer finds out. Is Minimum Car Insurance Coverage Enough? Minimum car insurance coverage is better than no coverage, but it can be woefully inadequate for many drivers. Minimum coverage typically has a fairly low limit, leaving you open to a financial crisis if you don’t have enough insurance for an accident you cause. Also, state minimum auto insurance won’t provide any coverage for your own car’s repair bills after an accident. If you want better coverage, buy more than the minimum requirements. With a basic knowledge of the main types of car insurance , you can build a policy that fits your specific insurance needs. Types of Auto Insurance Coverage Liability Insurance Liability car insurance pays for injuries and property damage suffered by others if you’re at fault for an accident. It also pays your legal defense and any settlements or judgments if you’re sued because of an accident. Liability car insurance includes two different types of coverage packaged together: Bodily injury liability pays for injuries to other drivers, their passengers and any hurt pedestrians if you’re at fault for an accident. Property damage liability pays for damage to another individual’s property, including their vehicle, if you cause an accident. How To Read Liability Limits Liability limits are written as a group of three numbers, such as 15/30/15, and break down to mean: 15 = $15,000 of bodily injury liability coverage per person 30 = $30,000 of bodily injury liability coverage per accident 15 = $15,000 of property damage liability coverage per accident Buying only your state’s minimum liability car insurance could be a costly mistake because these amounts are usually inadequate if you cause an expensive accident. Limits of 100/300/100 or higher are recommended, so you’re less likely to exceed your limits. Pro Tip Get quotes for a variety of liability limits to see how high of a limit your budget can afford. How much liability insurance should I buy? A good rule of thumb is to buy enough liability insurance to cover what you could lose in a lawsuit against you if you cause a car accident. In California, a 250/500/100 policy would be a much better choice than the state minimum of 30/60/15. Understanding liability insurance limits is critical to choosing the right amount of car insurance. For extra liability insurance above your base auto and home insurance policies, consider getting an umbrella insurance policy . You can buy an additional $1 million (or more) in liability coverage through an umbrella policy for a relatively inexpensive amount. Uninsured Motorist Insurance Uninsured motorist (UM) and underinsured motorist (UIM) insurance pay for your medical bills if someone crashes into you and they do not have liability insurance or not enough. Uninsured motorist coverage is required in some states and optional in others. In states where UM is optional, you can typically reject the coverage in writing. If UM is available in your state, this is good coverage to have. UM coverage pays for: Funeral expenses Lost wages due to injuries suffered in the car accident Medical expenses for you and your passengers Pain and suffering of you or your passengers Your vehicle damage (depending on your state), if you have purchased uninsured motorist property damage coverage Uninsured motorist insurance does not pay anything to the uninsured driver who caused the accident. They’re on their own. How Much Uninsured Motorist Coverage Should I Buy? You’ll typically need to purchase UM in amounts that match your liability insurance. For example, if you have liability coverage of 250/500/100, you’ll need to buy the same amount of UM coverage. Collision and Comprehensive Insurance Collision insurance pays to repair or replace your vehicle after a collision with another car or if you hit other objects, like a tree, fence or guardrail. Comprehensive insurance pays for repairing or replacing your car if it’s stolen or damaged by a range of problems, such as falling objects, fire, floods, hail, vandalism or striking an animal. Collision and comprehensive insurance are usually sold together. You’ll want this optional coverage as part of your policy if you want insurance for damage to your own vehicle and theft of your vehicle. And, if you have a car loan or lease, your lender or leasing company will likely require you to buy both. How Much Collision and Comprehensive Insurance Should I Buy? You don’t buy a certain amount of collision and comprehensive because the most this coverage will pay out is the value of your totaled vehicle. If you want to cut costs, select a higher deductible amount, which is the amount deducted from a claims check. For example, a $1,000 deductible will result in slightly cheaper premiums than a $500 deductible. Personal Injury Protection Personal injury protection (PIP) covers medical bills for you and your passengers no matter who caused the car accident. It also pays for other expenses like lost wages, funeral expenses and replacement services you can’t do because of injuries, like cleaning services or child care. Some states require PIP as part of their “no-fault auto insurance” laws, while in other states, you can buy PIP as an optional coverage type, and some states don’t have it as an option. How Much PIP Insurance Should I Buy? PIP rules vary by state and it’s not sold in all states. For example, for Florida car insurance , PIP options range from basic to extended: Basic Florida PIP covers 80% of your medical bills and 60% of lost wages and replacement services Extended Florida PIP covers 100% of medical bills and 80% of lost wages and replacement services If PIP is optional in your state, you can decline it if you have a good health insurance plan. But PIP has some perks your health insurance won’t provide, such as reimbursement for services and lost wages. Medical Expenses Coverage Medical expenses coverage is also known as medical payments coverage and often referred to as “MedPay.” It’s similar to PIP in that it pays for medical bills and other expenses for you and your passengers, no matter who caused the car accident. Unlike PIP, it doesn’t pay for pain and suffering or reimburse you for replacement services. How Much MedPay Should I Buy? In states where MedPay is available, it’s usually sold in small amounts of coverage that often range between $1,000 and $5,000. Top picks: Car Insurance Companies Optional Car Insurance Coverage Types Liability insurance, uninsured motorist coverage, medical payments, and collision and comprehensive insurance are a good foundation for a car insurance policy. But you might need a few additional coverage types to fill in some gaps. Here are some to consider. Gap Insurance Gap insurance pays the difference between the insurance check for your totaled car and the amount you owe on the loan or lease. Consider it if you have a big balance on your car loan and your car’s current value is well below the loan balance. Rental Reimbursement If your car is being repaired due to a problem covered by your policy, rental reimbursement insurance pays for a rental car or substitute transportation, such as train and bus fare, during repairs. Roadside Assistance If your car breaks down or you run into another problem (like locking your keys in your car), roadside assistance insurance pays for services like a tow truck, jump-start, fuel delivery or a locksmith. How To Buy Car Insurance Once you’re ready to buy your car insurance policy, you’ll want to shop around to find the company that best fits your needs. You can get quotes online or by calling an agent, and it’s wise to compare car insurance quotes from multiple companies. Pro Tip Compare at least three car insurance quotes to ensure you’re getting a good deal. Make sure you ask about car insurance discounts . Insurance companies offer many types of discounts to attract customers—everything from good driver discounts, car safety discounts, and multi-policy discounts to discounts for paying in full or going paperless. Find the Best Car Insurance Companies With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to. How Much Car Insurance Do I Need Frequently Asked Questions (FAQs) Liability insurance—which includes bodily injury liability coverage and property damage liability coverage —is mandatory in nearly every state. Some states also require car owners to carry one or more of the following types of auto insurance: Uninsured motorist insurance Personal injury protection (PIP) Medical payments coverage (MedPay) State regulations aren’t the only factor that can affect your coverage needs. If you finance or lease your vehicle, you may also have to carry collision and comprehensive coverage . The following states require that car owners purchase personal injury protection (PIP) and/or uninsured motorist (UM) coverage. State PIP UM Connecticut ✓ Delaware ✓ Florida ✓ Hawaii ✓ Illinois ✓ Kansas ✓ ✓ Kentucky ✓ Maine ✓ Maryland ✓ ✓ Massachusetts ✓ ✓ Michigan ✓ Minnesota ✓ ✓ Missouri ✓ Nebraska ✓ New Hampshire ✓ New Jersey ✓ ✓ New York ✓ ✓ North Carolina ✓ North Dakota ✓ ✓ Oregon ✓ ✓ South Carolina ✓ South Dakota ✓ Utah ✓ Vermont ✓ Virginia ✓ Washington, D.C. ✓ West Virginia ✓ Wisconsin ✓ *South Carolina and Virginia drivers can pay an uninsured motor vehicle fee to forgo coverage. Choose a car insurance deductible that you could pay without causing yourself financial hardship. Choosing a higher car insurance deductible , such as $1,500 or $2,000, will lead to lower rates, but you’ll be responsible for that higher amount if you file a claim. It’s wise to find out how much you can save by raising your car insurance deductible by asking your insurance agent to give you car insurance quotes with varying deductible amounts. See which types of coverage require a deductible. Coverage type Deductible? Collision Yes Comprehensive Yes Liability insurance No Personal injury protection (PIP) Varies by state Uninsured motorist bodily injury Not typically Uninsured motorist property damage Varies by state Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA License # 6011227. © 2026 CompareCoverage. All Rights Reserved.
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Audited & Verified: Oct 13, 2025, 10:59am [![Penny Gusner](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg)](https://www.forbes.com/advisor/author/pgusner/) ![Penny Gusner](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg) [Penny Gusner](https://www.forbes.com/advisor/author/pgusner/)Staff Writer Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/pennygusner/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/pgusner/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Penny Gusner](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg) [Penny Gusner](https://www.forbes.com/advisor/author/pgusner/)Staff Writer Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/pennygusner/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/pgusner/) Written By [Penny Gusner](https://www.forbes.com/advisor/author/pgusner/) ![Penny Gusner](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg) [Penny Gusner](https://www.forbes.com/advisor/author/pgusner/)Staff Writer Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/pennygusner/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/pgusner/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Penny Gusner](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg) [Penny Gusner](https://www.forbes.com/advisor/author/pgusner/)Staff Writer Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance... - [![Linkedin icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg)](https://www.linkedin.com/in/pennygusner/) [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/pgusner/) Staff Writer [![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg)](https://www.forbes.com/advisor/author/lmasterson/) ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg) Reviewed by [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/)Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove... [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg) Reviewed by [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/)Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove... [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) Reviewed [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/) ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg) Reviewed by [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/)Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove... [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) ![close icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg) ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg) Reviewed by [Les Masterson](https://www.forbes.com/advisor/author/lmasterson/)Former Staff Editor Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove... [Read Full Bio![See Full Bio](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg)](https://www.forbes.com/advisor/author/lmasterson/) Former Staff Editor & 1 other Have a question we may not have answered? Ask our editors here Have a question for Penny Gusner or our other editors? Ask here for a chance to be featured in a story. This form is protected by reCAPTCHA Enterprise and the Google [Privacy Policy](https://policies.google.com/privacy)and [Terms of Service](https://policies.google.com/terms)apply. ![Penny Gusner](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2021/10/penny-88x88.jpg) ![Les Masterson](https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2025/02/Les-Masterson-FA-scaled-e1740602757686-88x88.jpg) Send a note to Penny Gusner, Les Masterson and our other editors. We read every email. 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Continue reading ![How Much Car Insurance Do I Need?](https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2022/10/man-with-car-at-ocean.jpeg.jpg) Getty Each state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident. Common liability limits are \$25,000 per person, \$50,000 per accident for bodily injury and \$25,000 for physical damage. But your state’s requirements may be different. To determine how much [car insurance](https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/) you need, understand what your state requires and assess your personal needs. ## How Much Car Insurance Do I Need? You need enough car insurance to comply with state laws. Beyond that, we advise you to get limits high enough to pay for injuries, property damage and lawsuits that may arise from an accident if you don’t have enough savings to pay for them otherwise. And even if you do have the savings, can you afford to spend it all on a car accident? If you’re like most people, the answer to that question is no. The [best car insurance](https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/) policy will go beyond state requirements and also provide coverage for your vehicle. If you have a lease or loan, your lender will typically require you to buy collision and comprehensive coverage to cover your car. The National Association of Insurance Commissioners recommends buying enough car insurance to: - Comply with state laws - Satisfy your lender (if you have a loan or lease) - Protect your assets in case of a lawsuit against you over a car accident ## How To Calculate Your Car Insurance Coverage Needs To calculate your car insurance coverage needs, you should assess: - Your state’s auto insurance requirements - Your financial situation - Your vehicle’s value - Potential risks for accidents or theft State minimum coverage complies with insurance laws, but buying higher limits is strongly recommended if your financial situation allows. Everyone’s needs vary, but higher car insurance liability limits lower your chance of exceeding them and being held personally responsible for damages you caused others in an auto accident. Knowing your vehicle’s value helps you decide if you need collision and comprehensive coverage. And if your household has a higher risk for accidents—perhaps due to having a teen driver—higher liability limits along with coverage for your car may be the wisest move. ## What Car Insurance Coverage Do I Need? Most states require car owners to buy liability car insurance, but coverage requirements vary by state. Depending on where you live, you may need to buy additional coverage types—such as uninsured motorist coverage, personal injury protection or medical payments coverage. Lenders typically mandate collision and comprehensive insurance if your car is leased or financed. Pro Tip Review your car insurance policy annually to make certain your selected coverage options and limits still meets your needs. Here are common car insurance coverage options and recommended limits for each. These are general recommendations, so it’s important to evaluate your personal financial situation to determine the coverage that best suits your needs. \| Coverage \| Adequate \| Good \| Even better \| \|---\|---\|---\|---\| \| Liability car insurance \| State minimum \| \$100,000 per person for bodily injury liability \$300,000 per accident for bodily injury liability \$100,000 for property damage \| \$250,000 per person for bodily injury liability \$500,000 per accident for bodily injury liability \$250,000 for property damage \| \| Uninsured/underinsured motorist coverage \| State minimum \| \$100,000 per person for bodily injury liability \$300,000 per accident for bodily injury liability \| \$250,000 per person for bodily injury liability \$500,000 per accident for bodily injury liability \| \| Personal injury protection (PIP) \| State minimum \| \$40,000 \| State maximum \| \| Collision coverage \| Not required \| Recommended \| Recommended \| \| Comprehensive coverage \| Not required \| Recommended \| Recommended \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) See More See Less ## Car Insurance Requirements by State Every state has a financial responsibility law for vehicles, which typically means drivers buying car insurance. The minimum amount of auto insurance you need to buy varies by state. But no matter where you live, liability car insurance—which covers damage and injuries you cause others in an accident—is the main required coverage. The [minimum car insurance required by your state](https://www.forbes.com/advisor/car-insurance/minimum-required-in-state/) is important to know, but this amount may not be adequate for your needs. \| State \| Bodily injury liability (per person/per accident) \| Property damage liability (per accident) \| Other car insurance requirements \| \|---\|---\|---\|---\| \| [Alabama](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-alabama/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Alaska](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-alaska/) \| \$50,000 per person \$100,000 per accident \| \$25,000 \| None \| \| [Arizona](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-arizona/) \| \$25,000 per person \$50,000 per accident \| \$15,000 \| None \| \| [Arkansas](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-arkansas/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [California](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-california/) \| \$30,000 per person \$60,000 per accident \| \$15,000 \| None \| \| [Colorado](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-colorado/) \| \$25,000 per person \$50,000 per accident \| \$15,000 \| None \| \| [Connecticut](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-connecticut/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Delaware](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-delaware/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Personal injury protection: \$15,000 per person \$30,000 per accident \| \| [Florida](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-florida/) \| \$10,000 per person \$20,000 per accident \| \$10,000 \| Personal injury protection: \$10,000 \| \| [Georgia](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-georgia/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Hawaii](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-hawaii/) \| \$20,000 per person \$40,000 per accident \| \$10,000 \| Personal injury protection: \$10,000 \| \| [Idaho](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-idaho/) \| \$25,000 per person \$50,000 per accident \| \$15,000 \| None \| \| [Illinois](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-illinois/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Indiana](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-indiana/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Iowa](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-iowa/) \| \$20,000 per person \$40,000 per accident \| \$15,000 \| None \| \| [Kansas](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-kansas/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$4,500 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Kentucky](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-kentucky/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$10,000 \| \| [Louisiana](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-louisiana/) \| \$15,000 per person \$30,000 per accident \| \$25,000 \| None \| \| [Maine](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-maine/) \| \$50,000 per person \$100,000 per accident \| \$25,000 \| Medical payments: \$2,000 Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident \| \| [Maryland](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-maryland/) \| \$30,000 per person \$60,000 per accident \| \$15,000 \| Personal injury protection: \$2,500 Uninsured/underinsured motorist bodily injury: \$30,000 per person \$60,000 per accident Uninsured motorist property damage: \$15,000 \| \| [Massachusetts](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-massachusetts/) \| \$25,000 per person \$50,000 per accident \| \$30,000 \| Personal injury protection: \$8,000 Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Michigan](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-michigan/) \| \$50,000 per person \$100,000 per accident \| \$10,000 \| Personal injury protection: \$250,000 Property protection Insurance: \$1 million \| \| [Minnesota](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-minnesota/) \| \$30,000 per person \$60,000 per accident \| \$10,000 \| Personal injury protection: \$40,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Mississippi](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-mississippi/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Missouri](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-missouri/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Montana](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-montana/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| None \| \| [Nebraska](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-nebraska/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Nevada](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-nevada/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| None \| \| [New Hampshire](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-hampshire/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Medical payments: \$1,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [New Jersey](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-jersey/) \* \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$15,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$25,000 \| \| [New Mexico](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-mexico/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| None \| \| [New York](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-york/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Personal injury protection: \$50,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [North Carolina](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-north-carolina/) \| \$50,000 per person \$100,000 per accident \| \$50,000 \| Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident Uninsured motorist property damage: \$50,000 \| \| [North Dakota](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-north-dakota/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$30,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Ohio](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-ohio/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Oklahoma](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-oklahoma/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Oregon](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-oregon/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| Personal injury protection: \$15,000 Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Pennsylvania](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-pennsylvania/) \| \$15,000 per person \$30,000 per accident \| \$5,000 \| Medical benefits: \$5,000 \| \| [Rhode Island](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-rhode-island/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [South Carolina](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-south-carolina/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$25,000 \| \| [South Dakota](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-south-dakota/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Tennessee](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-tennessee/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Texas](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-texas/) \| \$30,000 per person \$60,000 per accident \| \$25,000 \| None \| \| [Utah](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-utah/) \| \$30,000 per person \$65,000 per accident \| \$25,000 \| Personal injury protection: \$3,000 \| \| [Vermont](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-vermont/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident Uninsured motorist property damage: \$10,000 \| \| [Virginia](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-virginia/) \| \$50,000 per person \$100,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident Uninsured motorist property damage: \$25,000 \| \| [Washington](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-washington/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| None \| \| Washington, D.C. \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$5,000 \| \| [West Virginia](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-west-virginia/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$25,000 \| \| [Wisconsin](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-wisconsin/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Wyoming](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-wyoming/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| None \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) \New Jersey’s limits will increase to 35/70/25 on Jan. 1, 2026.Insurance requirements based on information from each state’s department of motor vehicles, as of October 2025. See More See Less ### Which States Don’t Require Car Insurance? While requiring car insurance is the norm, two states are unique in the choices you have. - New Hampshire* does not require car insurance, but if you’re in an at-fault accident you must prove you have adequate funds to fulfill the state’s financial responsibility law. This could include buying car insurance. - South Carolina law allows you to legally drive without auto insurance if you meet certain qualifications and pay \$600 to register an uninsured vehicle. Choosing to go without car insurance in either [New Hampshire](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-hampshire/) or [South Carolina](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-south-carolina/) leaves you personally responsible for paying for damage to property or injuries to people if you cause an accident. ## How To Estimate Car Insurance Costs Our car insurance calculator can give you an estimate of costs based on your state and driving record. ### Compare Quotes With Multiple Companies Each car insurance company has its own formula for setting rates, and it’s likely that your driver profile will be a better fit for some companies than others. That is why you need to compare car insurance quotes with at least three auto insurers. Pro Tip Comparison shopping will help you find the best rates for your specific situation. Make sure you compare the same coverage options and limits so you’re comparing apples to apples and can find the best price. ### Provide Accurate Information Factors like your age, type of vehicle, coverage amount, deductibles, driving history and location will be used to determine your car insurance cost estimate. If you provide incorrect information, the rate estimate will be wrong. Pro Tip Auto insurers run a variety of reports to verify the information you provide, so you should give accurate information to get an accurate car insurance quote. If you buy a policy based on faulty information, you could have your policy canceled or your rates recalculated to a high rate once the auto insurer finds out. ## Is Minimum Car Insurance Coverage Enough? Minimum car insurance coverage is better than no coverage, but it can be woefully inadequate for many drivers. Minimum coverage typically has a fairly low limit, leaving you open to a financial crisis if you don’t have enough insurance for an accident you cause. Also, state minimum auto insurance won’t provide any coverage for your own car’s repair bills after an accident. If you want better coverage, buy more than the minimum requirements. With a basic knowledge of the [main types of car insurance](https://www.forbes.com/advisor/car-insurance/types-of-car-insurance/), you can build a policy that fits your specific insurance needs. ## Types of Auto Insurance Coverage ### Liability Insurance [Liability car insurance](https://www.forbes.com/advisor/car-insurance/liability-insurance/) pays for injuries and property damage suffered by others if you’re at fault for an accident. It also pays your legal defense and any settlements or judgments if you’re sued because of an accident. Liability car insurance includes two different types of coverage packaged together: - Bodily injury liability pays for injuries to other drivers, their passengers and any hurt pedestrians if you’re at fault for an accident. - Property damage liability pays for damage to another individual’s property, including their vehicle, if you cause an accident. #### How To Read Liability Limits Liability limits are written as a group of three numbers, such as 15/30/15, and break down to mean: - 15 = \$15,000 of bodily injury liability coverage per person - 30 = \$30,000 of bodily injury liability coverage per accident - 15 = \$15,000 of property damage liability coverage per accident Buying only your state’s minimum liability car insurance could be a costly mistake because these amounts are usually inadequate if you cause an expensive accident. Limits of 100/300/100 or higher are recommended, so you’re less likely to exceed your limits. Pro Tip Get quotes for a variety of liability limits to see how high of a limit your budget can afford. How much liability insurance should I buy? A good rule of thumb is to buy enough liability insurance to cover what you could lose in a lawsuit against you if you cause a car accident. In California, a 250/500/100 policy would be a much better choice than the state minimum of 30/60/15. Understanding liability insurance limits is critical to choosing the right amount of car insurance. For extra liability insurance above your base auto and home insurance policies, consider getting an [umbrella insurance policy](https://www.forbes.com/advisor/car-insurance/umbrella-insurance/). You can buy an additional \$1 million (or more) in liability coverage through an umbrella policy for a relatively inexpensive amount. ### Uninsured Motorist Insurance Uninsured motorist (UM) and underinsured motorist (UIM) insurance pay for your medical bills if someone crashes into you and they do not have liability insurance or not enough. [Uninsured motorist coverage](https://www.forbes.com/advisor/car-insurance/uninsured-motorist-coverage/) is required in some states and optional in others. In states where UM is optional, you can typically reject the coverage in writing. If UM is available in your state, this is good coverage to have. UM coverage pays for: - Funeral expenses - Lost wages due to injuries suffered in the car accident - Medical expenses for you and your passengers - Pain and suffering of you or your passengers - Your vehicle damage (depending on your state), if you have purchased uninsured motorist property damage coverage Uninsured motorist insurance does not pay anything to the uninsured driver who caused the accident. They’re on their own. #### How Much Uninsured Motorist Coverage Should I Buy? You’ll typically need to purchase UM in amounts that match your liability insurance. For example, if you have liability coverage of 250/500/100, you’ll need to buy the same amount of UM coverage. ### Collision and Comprehensive Insurance [Collision insurance](https://www.forbes.com/advisor/car-insurance/what-is-collision-insurance/) pays to repair or replace your vehicle after a collision with another car or if you hit other objects, like a tree, fence or guardrail. [Comprehensive insurance](https://www.forbes.com/advisor/car-insurance/what-is-comprehensive-car-insurance/) pays for repairing or replacing your car if it’s stolen or damaged by a range of problems, such as falling objects, fire, floods, hail, vandalism or striking an animal. Collision and comprehensive insurance are usually sold together. You’ll want this optional coverage as part of your policy if you want insurance for damage to your own vehicle and theft of your vehicle. And, if you have a car loan or lease, your lender or leasing company will likely require you to buy both. #### How Much Collision and Comprehensive Insurance Should I Buy? You don’t buy a certain amount of collision and comprehensive because the most this coverage will pay out is the value of your totaled vehicle. If you want to cut costs, select a higher deductible amount, which is the amount deducted from a claims check. For example, a \$1,000 deductible will result in slightly cheaper premiums than a \$500 deductible. ### Personal Injury Protection [Personal injury protection](https://www.forbes.com/advisor/car-insurance/pip-guide/) (PIP) covers medical bills for you and your passengers no matter who caused the car accident. It also pays for other expenses like lost wages, funeral expenses and replacement services you can’t do because of injuries, like cleaning services or child care. Some states require PIP as part of their “no-fault auto insurance” laws, while in other states, you can buy PIP as an optional coverage type, and some states don’t have it as an option. #### How Much PIP Insurance Should I Buy? PIP rules vary by state and it’s not sold in all states. For example, for [Florida car insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-florida/), PIP options range from basic to extended: - Basic Florida PIP covers 80% of your medical bills and 60% of lost wages and replacement services - Extended Florida PIP covers 100% of medical bills and 80% of lost wages and replacement services If PIP is optional in your state, you can decline it if you have a good health insurance plan. But PIP has some perks your health insurance won’t provide, such as reimbursement for services and lost wages. ### Medical Expenses Coverage Medical expenses coverage is also known as [medical payments coverage](https://www.forbes.com/advisor/car-insurance/medical-payments-medpay-coverage/) and often referred to as “MedPay.” It’s similar to PIP in that it pays for medical bills and other expenses for you and your passengers, no matter who caused the car accident. Unlike PIP, it doesn’t pay for pain and suffering or reimburse you for replacement services. #### How Much MedPay Should I Buy? In states where MedPay is available, it’s usually sold in small amounts of coverage that often range between \$1,000 and \$5,000. ## Top picks: Car Insurance Companies [![Progressive](https://www.forbes.com/advisor/wp-content/uploads/2023/08/Progressive_snapshot_logo-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Progressive](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.1 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Best for accident forgiveness Customers Satisfied With Customer Service And Pricing 83% [![Travelers](https://www.forbes.com/advisor/wp-content/uploads/2023/04/990__1511457672_380_travelers-e1606747792588-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Travelers](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 5\.0 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Best overall Customers Satisfied With Customer Service And Pricing 86% [![Erie](https://www.forbes.com/advisor/wp-content/uploads/2024/06/Erie.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Erie](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.9 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Best for claims handling Customers Satisfied With Customer Service And Pricing 93% [![Nationwide](https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Nationwide](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.9 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Best rates for the general public Customers Satisfied With Customer Service And Pricing 86% [![USAA](https://www.forbes.com/advisor/wp-content/uploads/2022/08/SEM-USAA-logo-cropped.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [USAA](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.8 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Best for military members and veterans Customers Satisfied With Customer Service And Pricing 90% [![Geico](https://www.forbes.com/advisor/wp-content/uploads/2023/04/Geico_logo.svg-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Geico](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.1 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Great for drivers with poor credit Customers Satisfied With Customer Service And Pricing 90% [![Westfield](https://www.forbes.com/advisor/wp-content/uploads/2023/04/Westfield_Stacked_PMS.max-500x500-1-removebg-preview-1.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Westfield](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.0 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner Editors’ Take Best for family discounts Customers Satisfied With Customer Service And Pricing 84% \| Car Insurance Company \| Forbes Advisor Rating \| Editors’ Take \| Customers Satisfied With Customer Service and Pricing \| Learn More \| \|---\|---\|---\|---\|---\| \| [![Progressive](https://www.forbes.com/advisor/wp-content/uploads/2023/08/Progressive_snapshot_logo-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Progressive](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.1 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Best for accident forgiveness \| 83% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| \| [![Travelers](https://www.forbes.com/advisor/wp-content/uploads/2023/04/990__1511457672_380_travelers-e1606747792588-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Travelers](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 5\.0 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Best overall \| 86% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| \| [![Erie](https://www.forbes.com/advisor/wp-content/uploads/2024/06/Erie.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Erie](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.9 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Best for claims handling \| 93% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| \| [![Nationwide](https://www.forbes.com/advisor/wp-content/uploads/2023/05/NATIONWIDE-400X250-e1620853672424-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Nationwide](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.9 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Best rates for the general public \| 86% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| \| [![USAA](https://www.forbes.com/advisor/wp-content/uploads/2022/08/SEM-USAA-logo-cropped.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [USAA](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.8 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Best for military members and veterans \| 90% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| \| [![Geico](https://www.forbes.com/advisor/wp-content/uploads/2023/04/Geico_logo.svg-removebg-preview.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Geico](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.1 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Great for drivers with poor credit \| 90% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| \| [![Westfield](https://www.forbes.com/advisor/wp-content/uploads/2023/04/Westfield_Stacked_PMS.max-500x500-1-removebg-preview-1.png)](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) [Westfield](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) \| ![Forbes Advisor Desktop Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) ![Forbes Advisor Mobile Logo](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg) 4\.0 ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg)![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/outline-star.svg) ![](https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg) \| Best for family discounts \| 84% \| [See Plans](https://www.forbes.com/advisor/journey/auto-insurance/fa/v1) Via Forbes Advisor's Partner \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) See More See Less ## Optional Car Insurance Coverage Types Liability insurance, uninsured motorist coverage, medical payments, and collision and comprehensive insurance are a good foundation for a car insurance policy. But you might need a few additional coverage types to fill in some gaps. Here are some to consider. ![](https://www.forbes.com/advisor/wp-content/uploads/2025/09/Compare-price@2x-4.svg) ### Gap Insurance [Gap insurance](https://www.forbes.com/advisor/car-insurance/gap-insurance/) pays the difference between the insurance check for your totaled car and the amount you owe on the loan or lease. Consider it if you have a big balance on your car loan and your car’s current value is well below the loan balance. ![](https://www.forbes.com/advisor/wp-content/uploads/2025/06/Rental-car@2x.svg) ### Rental Reimbursement If your car is being repaired due to a problem covered by your policy, rental reimbursement insurance pays for a rental car or substitute transportation, such as train and bus fare, during repairs. ![](https://www.forbes.com/advisor/wp-content/uploads/2024/12/Road-side-assistance@2x.svg) ### Roadside Assistance If your car breaks down or you run into another problem (like locking your keys in your car), [roadside assistance insurance](https://www.forbes.com/advisor/car-insurance/best-roadside-assistance-plans/) pays for services like a tow truck, jump-start, fuel delivery or a locksmith. ## How To Buy Car Insurance Once you’re ready to buy your car insurance policy, you’ll want to shop around to find the company that best fits your needs. You can get quotes online or by calling an agent, and it’s wise to [compare car insurance quotes](https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/) from multiple companies. Pro Tip Compare at least three car insurance quotes to ensure you’re getting a good deal. Make sure you ask about [car insurance discounts](https://www.forbes.com/advisor/car-insurance/discounts/). Insurance companies offer many types of discounts to attract customers—everything from good driver discounts, car safety discounts, and multi-policy discounts to discounts for paying in full or going paperless. ## Find the Best Car Insurance Companies With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to. [Learn More](https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/) ## How Much Car Insurance Do I Need Frequently Asked Questions (FAQs) ### What types of car insurance are mandatory? Liability insurance—which includes bodily injury liability coverage and [property damage liability coverage](https://www.forbes.com/advisor/car-insurance/property-damage-liability-insurance/)—is mandatory in nearly every state. Some states also require car owners to carry one or more of the following types of auto insurance: - Uninsured motorist insurance - Personal injury protection (PIP) - Medical payments coverage (MedPay) State regulations aren’t the only factor that can affect your coverage needs. If you finance or lease your vehicle, you may also have to carry [collision and comprehensive coverage](https://www.forbes.com/advisor/car-insurance/comprehensive-vs-collision-auto-insurance/). ### What states require PIP and UM coverage? The following states require that car owners purchase personal injury protection (PIP) and/or uninsured motorist (UM) coverage. \| State \| PIP \| UM \| \|---\|---\|---\| \| Connecticut \| \| ✓ \| \| Delaware \| ✓ \| \| \| Florida \| ✓ \| \| \| Hawaii \| ✓ \| \| \| Illinois \| \| ✓ \| \| Kansas \| ✓ \| ✓ \| \| Kentucky \| ✓ \| \| \| Maine \| \| ✓ \| \| Maryland \| ✓ \| ✓ \| \| Massachusetts \| ✓ \| ✓ \| \| Michigan \| ✓ \| \| \| Minnesota \| ✓ \| ✓ \| \| Missouri \| \| ✓ \| \| Nebraska \| \| ✓ \| \| New Hampshire \| \| ✓ \| \| New Jersey \| ✓ \| ✓ \| \| New York \| ✓ \| ✓ \| \| North Carolina \| \| ✓ \| \| North Dakota \| ✓ \| ✓ \| \| Oregon \| ✓ \| ✓ \| \| South Carolina\* \| \| ✓ \| \| South Dakota \| \| ✓ \| \| Utah \| ✓ \| \| \| Vermont \| \| ✓ \| \| Virginia \| \| ✓ \| \| Washington, D.C. \| \| ✓ \| \| West Virginia \| \| ✓ \| \| Wisconsin \| \| ✓ \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) \South Carolina and Virginia drivers can pay an uninsured motor vehicle fee to forgo coverage. See More See Less ### What deductible should I choose? Choose a car insurance deductible that you could pay without causing yourself financial hardship. Choosing a higher [car insurance deductible](https://www.forbes.com/advisor/car-insurance/what-is-car-insurance-deductible/), such as \$1,500 or \$2,000, will lead to lower rates, but you’ll be responsible for that higher amount if you file a claim. It’s wise to find out how much you can save by raising your car insurance deductible by asking your insurance agent to give you car insurance quotes with varying deductible amounts. See which types of coverage require a deductible. \| Coverage type \| Deductible? \| \|---\|---\| \| Collision \| Yes \| \| Comprehensive \| Yes \| \| Liability insurance \| No \| \| Personal injury protection (PIP) \| Varies by state \| \| Uninsured motorist bodily injury \| Not typically \| \| Uninsured motorist property damage \| Varies by state \| ![Left Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=) ![Right Arrow](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC) See More See Less Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA [License](https://comparecoverage.com/licenses) \# 6011227. © 2026 CompareCoverage. All Rights Reserved.* Was this article helpful? Share your feedback Send feedback to the editorial team ![User Form](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/user-form-icon.svg) ![Success Icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/success-icon.svg) Thank You for your feedback\! ![Error Icon](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/error-icon.svg) Something went wrong. Please try again later. 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State Farm](https://www.forbes.com/advisor/car-insurance/allstate-vs-state-farm/ "Allstate Vs. State Farm") - [Car Insurance Discounts](https://www.forbes.com/advisor/car-insurance/discounts/ "Car Insurance Discounts") - [Car Insurance For Your New Car](https://www.forbes.com/advisor/car-insurance/new-car-insurance/ "Car Insurance For Your New Car") - [Cheap Insurance For Low-income Drivers](https://www.forbes.com/advisor/car-insurance/low-income-car-insurance/ "Cheap Insurance For Low-income Drivers") - [Cheap Same-Day Car Insurance](https://www.forbes.com/advisor/car-insurance/same-day-car-insurance/ "Cheap Same-Day Car Insurance") - [First-Time Car Insurance Buyers](https://www.forbes.com/advisor/car-insurance/tips-first-time-car-insurance-buyers/ "First-Time Car Insurance Buyers") - [Gap Insurance](https://www.forbes.com/advisor/car-insurance/gap-insurance/ "Gap Insurance") - [How To Buy Car Insurance](https://www.forbes.com/advisor/car-insurance/how-to-buy-car-insurance/ "How To Buy Car Insurance") - [Liability Car Insurance: Cost And Coverage](https://www.forbes.com/advisor/car-insurance/liability-insurance/ "Liability Car Insurance: Cost And Coverage") - [Uninsured Motorist Coverage](https://www.forbes.com/advisor/car-insurance/uninsured-motorist-coverage/ "Uninsured Motorist Coverage") - [What Is Full Coverage Car Insurance?](https://www.forbes.com/advisor/car-insurance/what-is-full-coverage-car-insurance/ "What Is Full Coverage Car Insurance?") Accidents & Insurance - [Best Roadside Assistance](https://www.forbes.com/advisor/car-insurance/best-roadside-assistance-plans/ "Best Roadside Assistance") - [Claim Against Someone Else’s Car Insurance](https://www.forbes.com/advisor/car-insurance/car-accident-insurance-claim/ "Claim Against Someone Else’s Car Insurance") - [How Much Do Car Insurance Rates Go Up After An Accident?](https://www.forbes.com/advisor/car-insurance/rate-increase-after-accident/ "How Much Do Car Insurance Rates Go Up After An Accident?") - [Is Car Repair Insurance Worth It?](https://www.forbes.com/advisor/car-insurance/car-repair-insurance/ "Is Car Repair Insurance Worth It?") - [PIP Insurance & No-Fault Laws](https://www.forbes.com/advisor/car-insurance/pip-guide/ "PIP Insurance & No-Fault Laws") - [What Is Accident Forgiveness Car Insurance?](https://www.forbes.com/advisor/car-insurance/accident-forgiveness/ "What Is Accident Forgiveness Car Insurance?") - [What Is Collision Insurance](https://www.forbes.com/advisor/car-insurance/what-is-collision-insurance/ "What Is Collision Insurance") - [What To Do After A Car Accident](https://www.forbes.com/advisor/car-insurance/what-to-do-after-accident/ "What To Do After A Car Accident") Car Insurance by State - [California Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-california/ "California Car Insurance") - [Colorado Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-colorado/ "Colorado Car Insurance") - [Florida Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-florida/ "Florida Car Insurance") - [Michigan Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-michigan/ "Michigan Car Insurance") - [New Jersey Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-jersey/ "New Jersey Car Insurance") - [New York Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-york/ "New York Car Insurance") - [Texas Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-texas/ "Texas Car Insurance") - [Washington Car Insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-washington/ "Washington Car Insurance") Statistics - [Speeding ticket rate increase](https://www.forbes.com/advisor/car-insurance/speeding-ticket-rate-increase/ "Speeding ticket rate increase") - [Car Insurance Rates By State](https://www.forbes.com/advisor/car-insurance/rates-by-state/ "Car Insurance Rates By State") - [Teen Driving Statistics](https://www.forbes.com/advisor/car-insurance/teen-driving-statistics/ "Teen Driving Statistics") - [Worst states for drunk driving](https://www.forbes.com/advisor/car-insurance/worst-states-for-drunk-driving/ "Worst states for drunk driving") - [Drunk Driving Statistics](https://www.forbes.com/advisor/car-insurance/drunk-driving-statistics-apr-26/ "Drunk Driving Statistics") - [Minimum Car Insurance Required In Your State](https://www.forbes.com/advisor/car-insurance/minimum-required-in-state/ "Minimum Car Insurance Required In Your State") - [Most And Least Expensive Vehicles To Insure](https://www.forbes.com/advisor/car-insurance/most-least-expensive-cars-to-insure/ "Most And Least Expensive Vehicles To Insure") - [Texting And Driving Statistics](https://www.forbes.com/advisor/car-insurance/texting-driving-statistics/ "Texting And Driving Statistics") Other Types Of Insurance - [Home Insurance](https://www.forbes.com/advisor/homeowners-insurance/best-homeowners-insurance-companies/ "Home Insurance") - [Renters Insurance](https://www.forbes.com/advisor/homeowners-insurance/best-renters-insurance/ "Renters Insurance") - [Life Insurance](https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/ "Life Insurance") - [Pet Insurance](https://www.forbes.com/advisor/pet-insurance/best-pet-insurance/ "Pet Insurance") - [Travel Insurance](https://www.forbes.com/advisor/travel-insurance/best-travel-insurance/ "Travel Insurance") - [Health Insurance](https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/ "Health Insurance") - [Short-Term Health Insurance](https://www.forbes.com/advisor/health-insurance/best-short-term-health-insurance/ "Short-Term Health Insurance ") - [Dental Insurance](https://www.forbes.com/advisor/health-insurance/dental-insurance/best-dental-insurance-companies/ "Dental Insurance") - [Business Insurance](https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/ "Business Insurance") ### Next Up In Car Insurance - [Best Car Insurance Companies](https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/ "Best Car Insurance Companies") - [How Much Car Insurance Do You Need?](https://www.forbes.com/advisor/car-insurance/how-much-car-insurance-do-you-need/ "How Much Car Insurance Do You Need?") - [Compare Car Insurance Quotes](https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/ "Compare Car Insurance Quotes") #### More from ![forbes-advisor](https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-updated-logo.svg) [![Best Car Shipping Companies Of 2026](https://www.forbes.com/advisor/wp-content/uploads/2026/04/featured-image-best-car-shipping-568x322.jpeg) Best Car Shipping Companies Of 2026 ![Emily Glover](https://www.forbes.com/advisor/wp-content/uploads/2021/04/Emily-Updated-Headshot.jpg) By Emily Glover](https://www.forbes.com/advisor/car-insurance/best-car-shipping-companies/ "Best Car Shipping Companies Of 2026") [![Best Car Shipping Companies In Connecticut Of 2026](https://www.forbes.com/advisor/wp-content/uploads/2026/03/Connecticut-Shipping-1-568x322.jpg) Best Car Shipping Companies In Connecticut Of 2026 ![Kristin Salaky](https://www.forbes.com/advisor/wp-content/uploads/2025/08/Kristin-Salaky.jpg) By Kristin Salaky](https://www.forbes.com/advisor/car-insurance/best-car-shipping-companies-connecticut/ "Best Car Shipping Companies In Connecticut Of 2026") [![Best Car Shipping Companies In Florida Of 2026](https://www.forbes.com/advisor/wp-content/uploads/2026/03/featured_image_best_car_shipping_companies-1-568x322.jpg) Best Car Shipping Companies In Florida Of 2026 ![Ashlyn Brooks](https://www.forbes.com/advisor/wp-content/uploads/2025/11/Ashlyn-Brooks.jpg) By Ashlyn Brooks](https://www.forbes.com/advisor/car-insurance/best-car-shipping-companies-florida/ "Best Car Shipping Companies In Florida Of 2026") [![Best Motorcycle Shipping Companies Of 2026](https://www.forbes.com/advisor/wp-content/uploads/2026/03/motorcycle-568x322.jpeg) Best Motorcycle Shipping Companies Of 2026 ![Emily Glover](https://www.forbes.com/advisor/wp-content/uploads/2021/04/Emily-Updated-Headshot.jpg) By Emily Glover](https://www.forbes.com/advisor/car-insurance/best-motorcycle-shipping-companies/ "Best Motorcycle Shipping Companies Of 2026") [![Best Car Shipping Companies In Massachusetts Of 2026](https://www.forbes.com/advisor/wp-content/uploads/2026/03/featured-car-shipping-massachusetts-568x322.jpg) Best Car Shipping Companies In Massachusetts Of 2026 ![Kristin Salaky](https://www.forbes.com/advisor/wp-content/uploads/2025/08/Kristin-Salaky.jpg) By Kristin Salaky](https://www.forbes.com/advisor/car-insurance/best-car-shipping-companies-massachusetts/ "Best Car Shipping Companies In Massachusetts Of 2026") [![Best Car Shipping Companies In Texas Of 2026](https://www.forbes.com/advisor/wp-content/uploads/2026/03/featured_image_best_car_shipping_companies_texas.jpeg-e1774249208539-568x322.jpg) Best Car Shipping Companies In Texas Of 2026 ![Emily Glover](https://www.forbes.com/advisor/wp-content/uploads/2021/04/Emily-Updated-Headshot.jpg) By Emily Glover](https://www.forbes.com/advisor/car-insurance/best-car-shipping-companies-texas/ "Best Car Shipping Companies In Texas Of 2026") Information provided on Forbes Advisor is for educational purposes only. 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Readable Markdown	Each state has a minimum amount of car insurance you can buy to satisfy financial responsibility laws. Liability insurance is the primary requirement, covering damage and injuries you cause others in an auto accident. Common liability limits are \$25,000 per person, \$50,000 per accident for bodily injury and \$25,000 for physical damage. But your state’s requirements may be different. To determine how much [car insurance](https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/) you need, understand what your state requires and assess your personal needs. You need enough car insurance to comply with state laws. Beyond that, we advise you to get limits high enough to pay for injuries, property damage and lawsuits that may arise from an accident if you don’t have enough savings to pay for them otherwise. And even if you do have the savings, can you afford to spend it all on a car accident? If you’re like most people, the answer to that question is no. The [best car insurance](https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/) policy will go beyond state requirements and also provide coverage for your vehicle. If you have a lease or loan, your lender will typically require you to buy collision and comprehensive coverage to cover your car. The National Association of Insurance Commissioners recommends buying enough car insurance to: - Comply with state laws - Satisfy your lender (if you have a loan or lease) - Protect your assets in case of a lawsuit against you over a car accident ## How To Calculate Your Car Insurance Coverage Needs To calculate your car insurance coverage needs, you should assess: - Your state’s auto insurance requirements - Your financial situation - Your vehicle’s value - Potential risks for accidents or theft State minimum coverage complies with insurance laws, but buying higher limits is strongly recommended if your financial situation allows. Everyone’s needs vary, but higher car insurance liability limits lower your chance of exceeding them and being held personally responsible for damages you caused others in an auto accident. Knowing your vehicle’s value helps you decide if you need collision and comprehensive coverage. And if your household has a higher risk for accidents—perhaps due to having a teen driver—higher liability limits along with coverage for your car may be the wisest move. ## What Car Insurance Coverage Do I Need? Most states require car owners to buy liability car insurance, but coverage requirements vary by state. Depending on where you live, you may need to buy additional coverage types—such as uninsured motorist coverage, personal injury protection or medical payments coverage. Lenders typically mandate collision and comprehensive insurance if your car is leased or financed. Pro Tip Review your car insurance policy annually to make certain your selected coverage options and limits still meets your needs. Here are common car insurance coverage options and recommended limits for each. These are general recommendations, so it’s important to evaluate your personal financial situation to determine the coverage that best suits your needs. \| Coverage \| Adequate \| Good \| Even better \| \|---\|---\|---\|---\| \| Liability car insurance \| State minimum \| \$100,000 per person for bodily injury liability \$300,000 per accident for bodily injury liability \$100,000 for property damage \| \$250,000 per person for bodily injury liability \$500,000 per accident for bodily injury liability \$250,000 for property damage \| \| Uninsured/underinsured motorist coverage \| State minimum \| \$100,000 per person for bodily injury liability \$300,000 per accident for bodily injury liability \| \$250,000 per person for bodily injury liability \$500,000 per accident for bodily injury liability \| \| Personal injury protection (PIP) \| State minimum \| \$40,000 \| State maximum \| \| Collision coverage \| Not required \| Recommended \| Recommended \| \| Comprehensive coverage \| Not required \| Recommended \| Recommended \| ## Car Insurance Requirements by State Every state has a financial responsibility law for vehicles, which typically means drivers buying car insurance. The minimum amount of auto insurance you need to buy varies by state. But no matter where you live, liability car insurance—which covers damage and injuries you cause others in an accident—is the main required coverage. The [minimum car insurance required by your state](https://www.forbes.com/advisor/car-insurance/minimum-required-in-state/) is important to know, but this amount may not be adequate for your needs. \| State \| Bodily injury liability (per person/per accident) \| Property damage liability (per accident) \| Other car insurance requirements \| \|---\|---\|---\|---\| \| [Alabama](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-alabama/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Alaska](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-alaska/) \| \$50,000 per person \$100,000 per accident \| \$25,000 \| None \| \| [Arizona](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-arizona/) \| \$25,000 per person \$50,000 per accident \| \$15,000 \| None \| \| [Arkansas](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-arkansas/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [California](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-california/) \| \$30,000 per person \$60,000 per accident \| \$15,000 \| None \| \| [Colorado](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-colorado/) \| \$25,000 per person \$50,000 per accident \| \$15,000 \| None \| \| [Connecticut](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-connecticut/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Delaware](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-delaware/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Personal injury protection: \$15,000 per person \$30,000 per accident \| \| [Florida](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-florida/) \| \$10,000 per person \$20,000 per accident \| \$10,000 \| Personal injury protection: \$10,000 \| \| [Georgia](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-georgia/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Hawaii](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-hawaii/) \| \$20,000 per person \$40,000 per accident \| \$10,000 \| Personal injury protection: \$10,000 \| \| [Idaho](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-idaho/) \| \$25,000 per person \$50,000 per accident \| \$15,000 \| None \| \| [Illinois](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-illinois/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Indiana](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-indiana/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Iowa](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-iowa/) \| \$20,000 per person \$40,000 per accident \| \$15,000 \| None \| \| [Kansas](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-kansas/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$4,500 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Kentucky](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-kentucky/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$10,000 \| \| [Louisiana](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-louisiana/) \| \$15,000 per person \$30,000 per accident \| \$25,000 \| None \| \| [Maine](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-maine/) \| \$50,000 per person \$100,000 per accident \| \$25,000 \| Medical payments: \$2,000 Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident \| \| [Maryland](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-maryland/) \| \$30,000 per person \$60,000 per accident \| \$15,000 \| Personal injury protection: \$2,500 Uninsured/underinsured motorist bodily injury: \$30,000 per person \$60,000 per accident Uninsured motorist property damage: \$15,000 \| \| [Massachusetts](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-massachusetts/) \| \$25,000 per person \$50,000 per accident \| \$30,000 \| Personal injury protection: \$8,000 Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Michigan](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-michigan/) \| \$50,000 per person \$100,000 per accident \| \$10,000 \| Personal injury protection: \$250,000 Property protection Insurance: \$1 million \| \| [Minnesota](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-minnesota/) \| \$30,000 per person \$60,000 per accident \| \$10,000 \| Personal injury protection: \$40,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Mississippi](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-mississippi/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Missouri](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-missouri/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Montana](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-montana/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| None \| \| [Nebraska](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-nebraska/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Nevada](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-nevada/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| None \| \| [New Hampshire](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-hampshire/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Medical payments: \$1,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [New Jersey](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-jersey/) \* \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$15,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$25,000 \| \| [New Mexico](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-mexico/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| None \| \| [New York](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-york/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Personal injury protection: \$50,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [North Carolina](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-north-carolina/) \| \$50,000 per person \$100,000 per accident \| \$50,000 \| Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident Uninsured motorist property damage: \$50,000 \| \| [North Dakota](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-north-dakota/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Personal injury protection: \$30,000 Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Ohio](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-ohio/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Oklahoma](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-oklahoma/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Oregon](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-oregon/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| Personal injury protection: \$15,000 Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Pennsylvania](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-pennsylvania/) \| \$15,000 per person \$30,000 per accident \| \$5,000 \| Medical benefits: \$5,000 \| \| [Rhode Island](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-rhode-island/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [South Carolina](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-south-carolina/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$25,000 \| \| [South Dakota](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-south-dakota/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Tennessee](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-tennessee/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| None \| \| [Texas](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-texas/) \| \$30,000 per person \$60,000 per accident \| \$25,000 \| None \| \| [Utah](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-utah/) \| \$30,000 per person \$65,000 per accident \| \$25,000 \| Personal injury protection: \$3,000 \| \| [Vermont](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-vermont/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident Uninsured motorist property damage: \$10,000 \| \| [Virginia](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-virginia/) \| \$50,000 per person \$100,000 per accident \| \$25,000 \| Uninsured/underinsured motorist bodily injury: \$50,000 per person \$100,000 per accident Uninsured motorist property damage: \$25,000 \| \| [Washington](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-washington/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| None \| \| Washington, D.C. \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$5,000 \| \| [West Virginia](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-west-virginia/) \| \$25,000 per person \$50,000 per accident \| \$25,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident Uninsured motorist property damage: \$25,000 \| \| [Wisconsin](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-wisconsin/) \| \$25,000 per person \$50,000 per accident \| \$10,000 \| Uninsured motorist bodily injury: \$25,000 per person \$50,000 per accident \| \| [Wyoming](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-wyoming/) \| \$25,000 per person \$50,000 per accident \| \$20,000 \| None \| \New Jersey’s limits will increase to 35/70/25 on Jan. 1, 2026.Insurance requirements based on information from each state’s department of motor vehicles, as of October 2025. ### Which States Don’t Require Car Insurance? While requiring car insurance is the norm, two states are unique in the choices you have. - New Hampshire* does not require car insurance, but if you’re in an at-fault accident you must prove you have adequate funds to fulfill the state’s financial responsibility law. This could include buying car insurance. - South Carolina law allows you to legally drive without auto insurance if you meet certain qualifications and pay \$600 to register an uninsured vehicle. Choosing to go without car insurance in either [New Hampshire](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-new-hampshire/) or [South Carolina](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-south-carolina/) leaves you personally responsible for paying for damage to property or injuries to people if you cause an accident. ## How To Estimate Car Insurance Costs Our car insurance calculator can give you an estimate of costs based on your state and driving record. ### Compare Quotes With Multiple Companies Each car insurance company has its own formula for setting rates, and it’s likely that your driver profile will be a better fit for some companies than others. That is why you need to compare car insurance quotes with at least three auto insurers. Pro Tip Comparison shopping will help you find the best rates for your specific situation. Make sure you compare the same coverage options and limits so you’re comparing apples to apples and can find the best price. ### Provide Accurate Information Factors like your age, type of vehicle, coverage amount, deductibles, driving history and location will be used to determine your car insurance cost estimate. If you provide incorrect information, the rate estimate will be wrong. Pro Tip Auto insurers run a variety of reports to verify the information you provide, so you should give accurate information to get an accurate car insurance quote. If you buy a policy based on faulty information, you could have your policy canceled or your rates recalculated to a high rate once the auto insurer finds out. ## Is Minimum Car Insurance Coverage Enough? Minimum car insurance coverage is better than no coverage, but it can be woefully inadequate for many drivers. Minimum coverage typically has a fairly low limit, leaving you open to a financial crisis if you don’t have enough insurance for an accident you cause. Also, state minimum auto insurance won’t provide any coverage for your own car’s repair bills after an accident. If you want better coverage, buy more than the minimum requirements. With a basic knowledge of the [main types of car insurance](https://www.forbes.com/advisor/car-insurance/types-of-car-insurance/), you can build a policy that fits your specific insurance needs. ## Types of Auto Insurance Coverage ### Liability Insurance [Liability car insurance](https://www.forbes.com/advisor/car-insurance/liability-insurance/) pays for injuries and property damage suffered by others if you’re at fault for an accident. It also pays your legal defense and any settlements or judgments if you’re sued because of an accident. Liability car insurance includes two different types of coverage packaged together: - Bodily injury liability pays for injuries to other drivers, their passengers and any hurt pedestrians if you’re at fault for an accident. - Property damage liability pays for damage to another individual’s property, including their vehicle, if you cause an accident. #### How To Read Liability Limits Liability limits are written as a group of three numbers, such as 15/30/15, and break down to mean: - 15 = \$15,000 of bodily injury liability coverage per person - 30 = \$30,000 of bodily injury liability coverage per accident - 15 = \$15,000 of property damage liability coverage per accident Buying only your state’s minimum liability car insurance could be a costly mistake because these amounts are usually inadequate if you cause an expensive accident. Limits of 100/300/100 or higher are recommended, so you’re less likely to exceed your limits. Pro Tip Get quotes for a variety of liability limits to see how high of a limit your budget can afford. How much liability insurance should I buy? A good rule of thumb is to buy enough liability insurance to cover what you could lose in a lawsuit against you if you cause a car accident. In California, a 250/500/100 policy would be a much better choice than the state minimum of 30/60/15. Understanding liability insurance limits is critical to choosing the right amount of car insurance. For extra liability insurance above your base auto and home insurance policies, consider getting an [umbrella insurance policy](https://www.forbes.com/advisor/car-insurance/umbrella-insurance/). You can buy an additional \$1 million (or more) in liability coverage through an umbrella policy for a relatively inexpensive amount. ### Uninsured Motorist Insurance Uninsured motorist (UM) and underinsured motorist (UIM) insurance pay for your medical bills if someone crashes into you and they do not have liability insurance or not enough. [Uninsured motorist coverage](https://www.forbes.com/advisor/car-insurance/uninsured-motorist-coverage/) is required in some states and optional in others. In states where UM is optional, you can typically reject the coverage in writing. If UM is available in your state, this is good coverage to have. UM coverage pays for: - Funeral expenses - Lost wages due to injuries suffered in the car accident - Medical expenses for you and your passengers - Pain and suffering of you or your passengers - Your vehicle damage (depending on your state), if you have purchased uninsured motorist property damage coverage Uninsured motorist insurance does not pay anything to the uninsured driver who caused the accident. They’re on their own. #### How Much Uninsured Motorist Coverage Should I Buy? You’ll typically need to purchase UM in amounts that match your liability insurance. For example, if you have liability coverage of 250/500/100, you’ll need to buy the same amount of UM coverage. ### Collision and Comprehensive Insurance [Collision insurance](https://www.forbes.com/advisor/car-insurance/what-is-collision-insurance/) pays to repair or replace your vehicle after a collision with another car or if you hit other objects, like a tree, fence or guardrail. [Comprehensive insurance](https://www.forbes.com/advisor/car-insurance/what-is-comprehensive-car-insurance/) pays for repairing or replacing your car if it’s stolen or damaged by a range of problems, such as falling objects, fire, floods, hail, vandalism or striking an animal. Collision and comprehensive insurance are usually sold together. You’ll want this optional coverage as part of your policy if you want insurance for damage to your own vehicle and theft of your vehicle. And, if you have a car loan or lease, your lender or leasing company will likely require you to buy both. #### How Much Collision and Comprehensive Insurance Should I Buy? You don’t buy a certain amount of collision and comprehensive because the most this coverage will pay out is the value of your totaled vehicle. If you want to cut costs, select a higher deductible amount, which is the amount deducted from a claims check. For example, a \$1,000 deductible will result in slightly cheaper premiums than a \$500 deductible. ### Personal Injury Protection [Personal injury protection](https://www.forbes.com/advisor/car-insurance/pip-guide/) (PIP) covers medical bills for you and your passengers no matter who caused the car accident. It also pays for other expenses like lost wages, funeral expenses and replacement services you can’t do because of injuries, like cleaning services or child care. Some states require PIP as part of their “no-fault auto insurance” laws, while in other states, you can buy PIP as an optional coverage type, and some states don’t have it as an option. #### How Much PIP Insurance Should I Buy? PIP rules vary by state and it’s not sold in all states. For example, for [Florida car insurance](https://www.forbes.com/advisor/car-insurance/state/cheapest-car-insurance-in-florida/), PIP options range from basic to extended: - Basic Florida PIP covers 80% of your medical bills and 60% of lost wages and replacement services - Extended Florida PIP covers 100% of medical bills and 80% of lost wages and replacement services If PIP is optional in your state, you can decline it if you have a good health insurance plan. But PIP has some perks your health insurance won’t provide, such as reimbursement for services and lost wages. ### Medical Expenses Coverage Medical expenses coverage is also known as [medical payments coverage](https://www.forbes.com/advisor/car-insurance/medical-payments-medpay-coverage/) and often referred to as “MedPay.” It’s similar to PIP in that it pays for medical bills and other expenses for you and your passengers, no matter who caused the car accident. Unlike PIP, it doesn’t pay for pain and suffering or reimburse you for replacement services. #### How Much MedPay Should I Buy? In states where MedPay is available, it’s usually sold in small amounts of coverage that often range between \$1,000 and \$5,000. ## Top picks: Car Insurance Companies ## Optional Car Insurance Coverage Types Liability insurance, uninsured motorist coverage, medical payments, and collision and comprehensive insurance are a good foundation for a car insurance policy. But you might need a few additional coverage types to fill in some gaps. Here are some to consider. ![](https://www.forbes.com/advisor/wp-content/uploads/2025/09/Compare-price@2x-4.svg) ### Gap Insurance [Gap insurance](https://www.forbes.com/advisor/car-insurance/gap-insurance/) pays the difference between the insurance check for your totaled car and the amount you owe on the loan or lease. Consider it if you have a big balance on your car loan and your car’s current value is well below the loan balance. ![](https://www.forbes.com/advisor/wp-content/uploads/2025/06/Rental-car@2x.svg) ### Rental Reimbursement If your car is being repaired due to a problem covered by your policy, rental reimbursement insurance pays for a rental car or substitute transportation, such as train and bus fare, during repairs. ![](https://www.forbes.com/advisor/wp-content/uploads/2024/12/Road-side-assistance@2x.svg) ### Roadside Assistance If your car breaks down or you run into another problem (like locking your keys in your car), [roadside assistance insurance](https://www.forbes.com/advisor/car-insurance/best-roadside-assistance-plans/) pays for services like a tow truck, jump-start, fuel delivery or a locksmith. ## How To Buy Car Insurance Once you’re ready to buy your car insurance policy, you’ll want to shop around to find the company that best fits your needs. You can get quotes online or by calling an agent, and it’s wise to [compare car insurance quotes](https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/) from multiple companies. Pro Tip Compare at least three car insurance quotes to ensure you’re getting a good deal. Make sure you ask about [car insurance discounts](https://www.forbes.com/advisor/car-insurance/discounts/). Insurance companies offer many types of discounts to attract customers—everything from good driver discounts, car safety discounts, and multi-policy discounts to discounts for paying in full or going paperless. ## Find the Best Car Insurance Companies With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the best car insurance companies, so you don't have to. ## How Much Car Insurance Do I Need Frequently Asked Questions (FAQs) Liability insurance—which includes bodily injury liability coverage and [property damage liability coverage](https://www.forbes.com/advisor/car-insurance/property-damage-liability-insurance/)—is mandatory in nearly every state. Some states also require car owners to carry one or more of the following types of auto insurance: - Uninsured motorist insurance - Personal injury protection (PIP) - Medical payments coverage (MedPay) State regulations aren’t the only factor that can affect your coverage needs. If you finance or lease your vehicle, you may also have to carry [collision and comprehensive coverage](https://www.forbes.com/advisor/car-insurance/comprehensive-vs-collision-auto-insurance/). The following states require that car owners purchase personal injury protection (PIP) and/or uninsured motorist (UM) coverage. \| State \| PIP \| UM \| \|---\|---\|---\| \| Connecticut \| \| ✓ \| \| Delaware \| ✓ \| \| \| Florida \| ✓ \| \| \| Hawaii \| ✓ \| \| \| Illinois \| \| ✓ \| \| Kansas \| ✓ \| ✓ \| \| Kentucky \| ✓ \| \| \| Maine \| \| ✓ \| \| Maryland \| ✓ \| ✓ \| \| Massachusetts \| ✓ \| ✓ \| \| Michigan \| ✓ \| \| \| Minnesota \| ✓ \| ✓ \| \| Missouri \| \| ✓ \| \| Nebraska \| \| ✓ \| \| New Hampshire \| \| ✓ \| \| New Jersey \| ✓ \| ✓ \| \| New York \| ✓ \| ✓ \| \| North Carolina \| \| ✓ \| \| North Dakota \| ✓ \| ✓ \| \| Oregon \| ✓ \| ✓ \| \| South Carolina\* \| \| ✓ \| \| South Dakota \| \| ✓ \| \| Utah \| ✓ \| \| \| Vermont \| \| ✓ \| \| Virginia \| \| ✓ \| \| Washington, D.C. \| \| ✓ \| \| West Virginia \| \| ✓ \| \| Wisconsin \| \| ✓ \| \South Carolina and Virginia drivers can pay an uninsured motor vehicle fee to forgo coverage. Choose a car insurance deductible that you could pay without causing yourself financial hardship. Choosing a higher [car insurance deductible](https://www.forbes.com/advisor/car-insurance/what-is-car-insurance-deductible/), such as \$1,500 or \$2,000, will lead to lower rates, but you’ll be responsible for that higher amount if you file a claim. It’s wise to find out how much you can save by raising your car insurance deductible by asking your insurance agent to give you car insurance quotes with varying deductible amounts. See which types of coverage require a deductible. \| Coverage type \| Deductible? \| \|---\|---\| \| Collision \| Yes \| \| Comprehensive \| Yes \| \| Liability insurance \| No \| \| Personal injury protection (PIP) \| Varies by state \| \| Uninsured motorist bodily injury \| Not typically \| \| Uninsured motorist property damage \| Varies by state \| Forbes Advisor is not a licensed insurance agency. Insurance offerings are provided by CompareCoverage, NPN 20753534 and CA [License](https://comparecoverage.com/licenses) \# 6011227. © 2026 CompareCoverage. All Rights Reserved.*
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