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Review coverage requirements, average premium data, and carrier options across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A man in a dark work jacket sits in a vehicle's driver seat, looking down while pulling the seat belt across his chest, with a steering wheel in the foreground and a cargo barrier behind him.Liability InsuranceCovers injuries and property damage you cause to others in an accident. Required in 48 states with minimum coverage limits ranging from 20/40/10 to 50/100/25 depending on location.Driver's point of view at night showing two hands gripping a steering wheel with illuminated gauges behind it and a blurred road with streetlights and taillights ahead.Full CoverageCombines liability, collision, and comprehensive insurance into a complete protection package. Typically costs $1,500-$2,400 annually depending on state, vehicle value, and driver history.A woman with long wavy brown hair sits in the driver's seat of a parked car, holding a phone to her ear and looking out the side window, seen through the windshield.Comprehensive CoverageProtects your vehicle from non-collision damage including theft, vandalism, weather, and animal strikes. Covers the actual cash value of your car minus your chosen deductible, typically $500 or $1,000.A man in a dark button-up shirt works on a laptop at a wooden desk with a mug, notebook and papers, beside a window showing silhouetted trees at dusk.Collision CoveragePays to repair or replace your vehicle after an accident regardless of fault. Not legally required but mandatory for financed or leased vehicles per lender agreements.A man in a black cap and gray long-sleeve shirt sits in a truck cab, pulling the seat belt across his chest toward the buckle.Uninsured Motorist CoverageProtects you when hit by a driver with no insurance or insufficient coverage limits. Required in 20 states and recommended in areas where 10-15% of drivers lack proper insurance.A woman with long brown hair sits in the driver's seat of a car, holding a phone to her ear, seen through the windshield.SR-22 InsuranceCertificate of financial responsibility filed by your insurer to your state DMV after certain violations. Required for 3-5 years following DUI convictions, license suspensions, or multiple at-fault accidents.

Recent Articles

A bearded man in a dark polo shirt works at a laptop on a wooden desk with a coffee tumbler, notebook and printed drawings, beside a window showing a sunset.7/13/2026Wisconsin Car Insurance RequirementsWisconsin requires 25/50/10 liability, uninsured motorist coverage, and proof of financial responsibility.A woman with long brown hair sits in the driver's seat of a vehicle, holding a phone to her ear and looking out through the windshield.7/13/2026Idaho Required Car Insurance CoverageIdaho requires 25/50/15 liability minimums, but a single ER visit averages $3,200. See what's mandated and how to close the gap.View from a driver's seat at night showing two hands gripping a steering wheel, a red-lit instrument cluster, and a wet road with blurred streetlights through the windshield.7/13/2026South Dakota Car Insurance RequirementsSouth Dakota requires 25/50/25. Skip the guesswork on when partial fault makes those minimums fall short.
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Frequently Asked Questions

What are the minimum auto insurance requirements in my state?

Minimum requirements vary by state but typically include bodily injury liability and property damage liability. For example, California requires 15/30/5 coverage while Texas mandates 30/60/25. Select your state to view specific minimums and average costs for meeting those requirements.

What's the difference between liability and full coverage?

Liability insurance only covers damage you cause to others and is the legal minimum in most states. Full coverage adds collision and comprehensive insurance to protect your own vehicle from accidents, theft, weather damage, and other losses regardless of fault.

Can I get auto insurance with a suspended license?

Most standard carriers won't insure drivers with suspended licenses, but you can often obtain an SR-22 certificate through non-standard insurers. The SR-22 proves financial responsibility to your state DMV and is required to reinstate your license after suspension periods end.

What information do I need to compare auto insurance quotes?

You'll need your vehicle identification number (VIN), current mileage, garaging zip code, driver's license number, and driving history for the past 3-5 years. Carriers also request information about other household drivers and current coverage limits to generate accurate quotes.