In most states, car insurance is legally necessary. Each state has their own specific laws when it comes to car insurance, and you must follow those of the state you’re currently residing in. When first purchasing insurance or if you are moving state, it’s important to research your state’s requirements to ensure your insurance is reflective of the law.
In general, most states require some level of liability-only insurance, which will cover the expenses of the other party in an accident that you cause. In some states, MedPay or PIP is also expected so that medical expenses are covered for all involved. Given the high number of uninsured drivers on the road, there are many states that also require some level of uninsured/underinsured coverage.
Whether your state’s minimum insurance is enough for you or not depends on your situation. It is the least expensive coverage option, which means you will save money at least in the short term. Some state minimums offer more protection than others, which is why your specific state’s laws are key to this discussion.
Many drivers find their state’s minimum is not enough to cover a serious accident, or the typical liability-only nature of it has too many limitations to help at all in most accidents. In these cases, having the state minimum might cost you more in the long run. Ultimately, insurance is meant to protect you. After researching the state minimum where you live, it’s best to at least consider adding additional protections on in order to truly ensure you are financially safe in the event of an accident.
These are the state minimum insurance requirements for California:
These are the state minimum insurance requirements for New York, a no-fault state, where your own insurance covers you, regardless of who is at fault:
With state minimum car insurance rates for as low as $22.08/month, you can save on the coverage you need today. Enter your zip code to start now!