What car insurance coverage do I need?

The car insurance coverage you need will depend on your state’s insurance laws. State laws require all drivers to carry some level of minimum liability coverage, and you will need that much auto insurance to legally drive. But the amount of auto insurance coverage you need can vary based on your vehicle and who’s driving your car. Scroll down to learn more and compare car insurance quotes for free.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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There are many people who are unsure what type of car insurance coverage  they need. How Much Insurance is Enough? What type of insurance is usually needed by most drivers, and how much coverage should they get? These are some of the things that are going through their minds. Try our FREE quote comparison tool to get car insurance quotes today!

Your Circumstances Dictate the Kind of Insurance You Need

There are many things to consider when determining what type of insurance to buy and how much coverage to get. Find just what you need with our FREE ZIP code search! Such decisions can be affected by many factors including:

  1. How old a driver is
  2. How much insurance he can afford
  3. Specific requirements a particular state might have concerning car insurance
  4. The value of the car a driver uses
  5. Whether a driver owns a particular car or is financing it
  6. If a car has valuable enhancements

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How the State You Live in Can Affect the Type of Insurance You Need

Each state has its own laws regarding car insurance. Almost every state does have minimum requirements, but the laws vary from state to state. It pays to check with a local insurance company before buying insurance to be certain you have at least enough coverage.

Car insurance experts suggest certain minimums for those buying car insurance. You should, however, perhaps buy more if your car has valuable enhancements, with a coverage such as comprehensive car insurance. You might find you need less if you have enough money to pay someone injured in an accident.

You might not be able to afford the amounts suggested or not want to pay to have your car replaced if you are leasing or if it has minimal value.

Regardless, it is likely your state has minimum requirements you must meet to pay for injuries, death, or property damage for someone else in case of an accident.

Don’t Buy More Car Insurance than You Can Afford

There are some minimum requirements you will have to meet as for as car insurance no matter what state you live in. There are some things that are not required, however, and maybe you can’t afford them.

You should review how much you can afford and not go over that amount.

As one example of how you can save, if you have bought a new car or are leasing, after five years you might not be required to have full coverage on your own car, although you must still be sure to have enough insurance to satisfy your state’s laws.

You can also save on insurance sometimes by having other insurance (it’s called bundling) from your car insurance company, such as life insurance or home insurance.

In addition, you can save by having a good driving record, being a good student, and living in a safe neighborhood. You can also save by keeping the some insurance company for several years, getting a discount for carpooling, and even sometimes by letting your car insurance company monitor your driving electronically.

Options for Saving on Car Insurance

If you can afford to pay more in case of an accident, lower your deductible to save money on your car insurance. When you buy a car, remember you will have to pay more for insurance if you own some types of cars, such as sports cars, than others. Find the right coverage today with our FREE quote comparison tool!

The best thing you can do to not pay more than you can afford for car insurance is to shop around before buying. There is no abosolute answer for everyone concerning how much car insurance is needed, but some experts believe that ninety percent of drivers have more car insurance than they need.

A person buying insurance needs to know what the laws are in his state to be sure he has all the insurance he legally must have. He also, however, needs to consider the value of his car and how much he can afford, so he can make an intelligent decision about his personal needs. Get started today with our FREE ZIP code search tool!

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