How Much Car Insurance Do I Need?

Q: Is car insurance per person or by car?

Car insurance follows the car , not the driver. Your insurance covers anyone who drives your vehicle with permissive use.

The coverage you need depends on certain factors explained below. MoneyGeek recommends 100/300/100 liability coverage with comprehensive and collision (full coverage) for most drivers. You may need additional coverage add-ons in certain circumstances.

Find out if you're overpaying for car insurance below.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Venus Zoleta

Updated: May 26, 2025

Advertising & Editorial Disclosure

Key Takeaways

Most drivers need 100/300/100 liability coverage with comprehensive and collision (full coverage) car insurance. This includes liability coverage if you damage other cars or property, while comprehensive and collision protect your car in the case of an accident, theft, or weather damage.

At a minimum, you need to meet your state's liability coverage requirements to drive legally. Each state has minimum insurance requirements, and certain states require coverage add-ons. However, most states require far less coverage than you need to protect yourself and your assets.

You may need extra coverages for better financial protection and convenience, including gap coverage for leased vehicles, roadside assistance, new car replacement, personal injury protection, and uninsured motorist coverage. Read about these coverages below to determine if you need them or if your state requires them.

How Much Car Insurance Do I Need?

The recommendations below come from a team of Licensed Property and Casualty Insurance Producers and our MoneyGeek Advisory Council, which has over 50 years of experience combined in the car insurance industry.

The Insurance Information Institute provides these recommendations for how much car insurance is enough:

Meet state law requirements (explained below)
Protect your assets and avoid financial impacts of a serious accident with full coverage and optional add-ons
Meet lender requirements (if you finance or lease)

While each buyer should evaluate their personal financial situation, below is a summary recommendation of how much car insurance you need and what coverage you should buy.

Recommendation for How Much Car Insurance You Need

Coverage	Basic Protection	Good Protection	Premium Protection
Liability Car Insurance	50/100/50 or state minimum if very budget constrained	100/300/100 ($100K per person/$300K per accident/$100K property damage)	250/500/250 ($250K per person/$500K per accident/$250K property damage)
Full Coverage	Recommended for cars worth over $3,000	Recommended with $1,000 deductible	Recommended with $500 deductible
Uninsured/Underinsured Motorist (UM/UIM)	State minimum if required	Same as liability limits (100/300)	Same as liability limits (250/500)
Personal Injury Protection (PIP)	State minimum if required	$10,000+ (Varies by state requirements)	$25,000+
Gap Insurance	No (unless required for lease)	No (unless required for lease)	Recommended (only for financed/leased vehicles worth more than loan)
Roadside Assistance	Not Required	Recommended	Recommended
Rental Car Reimbursement	Not Required	Recommended (unless you have second car)	Recommended, $50/day, up to 30 days
New Car Replacement	Not Required	Not Required or Recommend	Recommended (For vehicles under 2 years old)
Umbrella Policy	Not Required	Not Required	Recommended

How Much Car Insurance I Need by Driver Type?

How much car insurance you need depends on your driver profile and location. Below are MoneyGeek's recommendations for liability coverage amounts and coverages you should buy.

Budget-Conscious Drivers

Coverage Level: Basic Protection
Liability: 50/100/50 or state minimum if very budget constrained
Full Coverage: Only for vehicles worth over $3,000
Add-On's: None, unless PIP/UM are required in your state

Families with Multiple Vehicles

Coverage Level: Good Protection
Liability: 100/300/100
Full Coverage: Yes, with $1,000 deductible
Add-Ons: UM and PIP if required in your state
Home & Auto Bundle: Strongly consider if you own a home

High Assets / New Expensive Vehicles

Coverage Level: Premium Protection
Liability: 250/500/250
Full Coverage: Yes, with $500 deductible
Add-Ons: UM, PIP, New care replacement, and consider an umbrella policy
Home & Auto Bundle: Can save you up to 25% if you own a home

Teen Drivers

Coverage Level: Good Protection
Policy Type: Family policy will save you up to 30%
Liability: 100/300/100
Full Coverage: Yes, with $1,000 deductible
Add-Ons: UM and PIP if required in your state

Drivers with Accidents or Violations

Coverage Level: Good Protection (despite higher premiums)
Liability: 100/300/100
Full Coverage: Yes, for vehicles worth more than $3,000
Add-Ons: UM, and PIP if required in your state
Home & Auto Bundle: Strongly consider if you own a home

Four Common Coverage Types Explained

Insurance providers standardize coverage into four main categories. Here's what each one covers and why you need it:

1
Liability Coverage (Legally Required)
Liability coverage protects you financially when you're at fault in an accident, covering two main components:
- Bodily injury liability: Pays for others' injuries, including medical costs, lost wages, and legal fees when you're responsible for an accident.
- Property damage liability: Covers damage to others' vehicles or property. Higher limits cost surprisingly little extra but provide significantly more protection against expensive claims involving multiple vehicles or valuable property.
What the 100/300/100 numbers mean: The first 100 refers to the bodily injury liability limit per person ($100,000), 300 refers to the bodily injury liability per accident ($300,000), and 100 refers to the property damage liability ($100,000).
Liability insurance is required in 49 states; New Hampshire is the exception.
MoneyGeek expert recommendation: Most drivers need 100/300/100. You can choose less if you have very low assets and are financially constrained, or more (e.g., 250/500/250) if you have high assets.
2
Full Coverage (Comprehensive and Collision)
These two coverages protect your own vehicle and are typically presented together as "full coverage" when combined with liability:
- Collision coverage: Pays to repair or replace your vehicle after crashes with other vehicles or objects, regardless of fault.
- Comprehensive coverage: Protects against virtually everything else that might damage your car—theft, vandalism, fire, flood, hail, falling trees, and animal strikes.
These coverages are important for newer vehicles and required for those with loans/leases. Both coverages require choosing a deductible (the amount you pay before insurance covers the rest). Higher deductibles reduce premiums but increase your out-of-pocket costs when filing claims. For example, increasing your deductible from $500 to $1,000 can save approximately 20-30% on these coverage portions.
MoneyGeek expert recommendation: Most drivers need comprehensive and collision coverage unless they drive a car valued at less than $3,000 and have the ability to pay for their own car repairs.
3
Medical coverage options
These coverages handle injury expenses for you and your passengers:
- Personal Injury Protection (PIP): Required in "no-fault" states mentioned below, PIP covers medical expenses, lost wages, and sometimes funeral costs regardless of who caused the accident.
- Medical Payments Coverage: Similar to PIP but typically with fewer benefits and lower limits. Covers medical expenses regardless of fault, often with no deductible.
These coverages work alongside health insurance but often cover things health insurance doesn't, like dental injuries and funeral costs.
MoneyGeek expert recommendation: Unless required in your state (see list below), most drivers don't need this coverage if they have solid health insurance and disability. You should add it if you want premium protection.
4
Uninsured/Underinsured Motorist Coverage
This protection activates when you're hit by a driver with insufficient or no insurance:
- Uninsured motorist bodily injury: Covers your medical costs when hit by an uninsured driver.
- Underinsured motorist bodily injury: Provides additional coverage when the at-fault driver's insurance is insufficient.
The national uninsured driver rate has increased to approximately 12%, with rates exceeding 20% in some states. It's relatively inexpensive coverage that protects against a common risk.
MoneyGeek expert recommendation: Most drivers need this coverage to protect themselves against uninsured drivers. It is required in certain states (mentioned below).

Determine How Much Car Insurance You Need

Take our four-step quiz to learn the required and optimal level of car insurance for you.

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How Much Liability Coverage Do I Need?

Determining your liability coverage is the first decision when choosing how much car insurance you need.

Factors that should drive your decision for how much liability coverage you need:

Asset protection: Choose limits high enough to protect your home, savings, and investments
Financial situation: Higher income and more assets require higher limits
Risk exposure: Consider how much you drive and your accident risk
Vehicle type: Expensive or heavy vehicles that could cause significant damage warrant higher limits

MONEYGEEK RECOMMENDATION: HOW MUCH LIABILITY DO I NEED?

100/300/100 coverage provides good protection for most households. This liability amount costs around $1,200 annually on average when combined with full coverage or about $600 for liability-only policy, but provides 4-10 times more protection than state minimums. Those with high assets should consider 250/500/250.

Liability Cost by Coverage Amount

Below are the car insurance cost ranges by liability coverage amount when combined with comprehensive and collision (full coverage):

Coverage Level	Best For	Typical Annual Cost
State Minimum	Not recommended, unless you are struggling to afford insurance	$500-$700
50/100/50	Budget-conscious drivers, those will less assets	$700-$900
100/300/100	Most drivers	$1000-$1500
250/500/100+	High-net-worth individuals	$1500+

Do I Need Full Coverage (Comprehensive and Collision)?

The main consideration for comprehensive and collision coverage is your vehicle's value:

Required for: Financed/leased vehicles (lender requirement)
Probably skip for: Vehicles worth less than $3,000. 10% rule: If annual premiums for comprehensive and collision exceed 10% of your car's value, consider dropping these coverages.
Strongly recommended for:
- Vehicles less than 10 years old or worth more than $3,000-$4,000
- Areas with high theft rates
- Areas prone to natural disasters or bad weather
- Situations where you wouldn't be able to afford repairs out-of-pocket

Typical Full Coverage Cost: Full coverage (liability + comprehensive + collision) with a $1,000 deductible costs approximately $1,300 annually, compared to about $600 for liability-only coverage.

MONEYGEEK RECOMMENDATION DO YOU NEED FULL COVERAGE?

Most drivers need full coverage and should add collision and comprehensive. This protects your vehicle. If you drive a low value vehicle, typically below $3,000, and have the money to buy a new car or repair it in the case of a bad accident, you can consider dropping this coverage.

Add-On Coverage You May Need or Want

Optional add-ons can give you peace of mind and convenience in the case of an accident. These optional coverages enhance your policy for specific situations:

Roadside assistance: Covers emergency services like towing, battery jumps, and lockout assistance for $5-15 monthly. The most frequently purchased add-on with 60-70% of insured drivers selecting it.
Rental car reimbursement: Pays for a rental vehicle while yours is being repaired after a covered claim, typically costing $5-10 monthly. The second most popular add-on with 50-60% adoption rate.
Gap insurance: Covers the difference between your car's value and loan balance if totaled. Required for most leased vehicles and important for financed vehicles that may be worth less than the remaining loan balance. Costs approximately $20-40 annually.
New car replacement: Provides a brand-new vehicle of the same make and model if yours is totaled within the first 1-2 years of ownership. Adds 5-10% to comprehensive premiums.
OEM parts coverage: Ensures repairs use manufacturer parts rather than aftermarket components. Particularly valuable for luxury vehicles.

MONEYGEEK RECOMMENDATION: WHAT COVERAGE ADD-ONS DO YOU NEED?

With exception of GAP coverage which is required for leased vehicles, adding these coverage types is personal preference. We recommend new car replacement for cars less than two years old and rental car reimbursement if you don't have alternative transportation and to drive often.

Required Coverage You Need For a Financed or Leased Car

When you finance or lease a vehicle, the lender typically requires certain coverages. They will ask for proof of coverage.

When financing a vehicle, lenders typically require:

Full coverage insurance: Includes liability insurance, comprehensive, and collision
Deductible limits: Maximum deductibles ($500 or $1,000)
Continuous coverage: No lapses allowed

Leasing companies have stricter requirements:

Higher liability limits: Often 100/300/50 or higher
Lower deductibles: Usually maximum of $500
Gap insurance: Usually required

Gap insurance consideration:

Required for: Most leased vehicles
Strongly recommended for: Loans with less than 20% down payment
Most valuable time to buy: In the first 2-3 years when the gap between vehicle value and loan balance is largest due to initial auto depreciation
Typically costs: $20-$40 annually

What Car Insurance Deductible Do You Need?

MoneyGeek expert recommendation: You should choose a $500 or $1,000 deductible.

A deductible is the amount you pay out-of-pocket before insurance coverage pays for a claim:

Applies separately to comprehensive and collision claims
Paid each time you file a claim
Higher deductibles mean lower premiums but more out-of-pocket costs when you make a claim

MONEYGEEK RECOMMENDATION: CHOOSING A DEDUCTIBLE

You should choose a $500 or $1,000 deductible. If you choose the higher amount, you will save $100-$200 per year, but make sure you have an emergency fund to pay it in the case of an at-fault accident.

Minimum Car Insurance Coverage Requirements by State

Nearly every state in the U.S. requires minimum liability coverage. Thirteen states personal injury protection (PIP) to cover medical expenses. Twenty states require uninsured/underinsured motorist coverage, ensuring protection when another driver has no insurance or insufficient coverage.

State	Bodily injury liability (per person)	Bodily injury liability (per accident)	Property damage liability (per accident)	Other car insurance requirements
Alabama	$25,000	$50,000	$25,000	None
Alaska	$50,000	$100,000	$25,000	None
Arizona	$25,000	$50,000	$15,000	None
Arkansas	$25,000	$50,000	$25,000	None
California	$30,000	$60,000	$15,000	None
Colorado	$25,000	$50,000	$15,000	None
Connecticut	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Delaware	$25,000	$50,000	$10,000	Personal injury protection: $15,000 per person $30,000 per accident
District of Columbia	$25,000	$50,000	$10,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident Uninsured/underinsured property damage: $5,000 (subject to $200 deductible)
Florida	$10,000	$20,000	$10,000	Personal injury protection: $10,000
Georgia	$25,000	$50,000	$25,000	None
Hawaii	$20,000	$40,000	$10,000	Personal injury protection: $10,000
Idaho	$25,000	$50,000	$15,000	None
Illinois	$25,000	$50,000	$20,000	Uninsured motorist bodily injury: $25,000 per person $50,000 per accident
Indiana	$25,000	$50,000	$25,000	None
Iowa	$20,000	$40,000	$15,000	None
Kansas	$25,000	$50,000	$25,000	Personal injury protection: $4,500 Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Kentucky	$25,000	$50,000	$25,000	Personal injury protection: $10,000
Louisiana	$15,000	$30,000	$25,000	None
Maine	$50,000	$100,000	$25,000	Medical payments: $2,000 Uninsured/underinsured motorist bodily injury: $50,000 per person $100,000 per accident
Maryland	$30,000	$60,000	$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	$20,000	$40,000	$5,000	Personal injury protection: $8,000 per accident Uninsured/underinsured motorist bodily injury: $20,000 per person $40,000 per accident
Michigan	$20,000	$40,000	$10,000 (for damage your vehicle does to property in another state)	Personal injury protection: Unlimited per person Unlimited per accident Property protection: $1 million
Minnesota	$30,000	$60,000	$10,000	Personal injury protection: $40,000 per person Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Mississippi	$25,000	$50,000	$25,000	None
Missouri	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Montana	$25,000	$50,000	$20,000	None
Nebraska	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Nevada	$25,000	$50,000	$20,000	None
New Hampshire	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
New Jersey	$15,000	$15,000	$5,000	None
New Mexico	$25,000	$50,000	$10,000	None
New York	$25,000	$50,000	$10,000	Personal injury protection: $50,000 per person Liability for death: $50,000 per person Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
North Carolina	$30,000	$60,000	$25,000	Uninsured/underinsured motorist bodily injury: $30,000 per person $60,000 per accident Uninsured/underinsured motorist property damage: $25,000
North Dakota	$25,000	$50,000	$25,000	Personal injury protection: $30,000 per person Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Ohio	$25,000	$50,000	$25,000	None
Oklahoma	$25,000	$50,000	$25,000	None
Oregon	$25,000	$50,000	$20,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Pennsylvania	$15,000	$30,000	$5,000	Medical payments coverage: $5,000
Rhode Island	$25,000	$50,000	$25,000 *or $75,000 combined single limit	None
South Carolina	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
South Dakota	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Tennessee	$25,000	$50,000	$15,000	None
Texas	$30,000	$60,000	$25,000	None
Utah	$30,000	$65,000	$25,000	Personal injury protection: $3,000 per person Uninsured motorist coverage: $30,000 per person $65,000 per accident
Vermont	$25,000	$50,000	$10,000	Uninsured/underinsured motorist bodily injury: $50,000 per person $100,000 per accident Uninsured/underinsured property damage: $10,000
Virginia	$50,000	$100,000	$25,000	None
Washington	$25,000	$50,000	$10,000	None
West Virginia	$25,000	$50,000	$25,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Wisconsin	$25,000	$50,000	$10,000	Uninsured/underinsured motorist bodily injury: $25,000 per person $50,000 per accident
Wyoming	$25,000	$50,000	$20,000	None

States That Require Additional PIP and UM Coverage

Certain states require that you add PIP and UM insurance to your policy to have legal car insurance. These coverages are moderately priced at about $50-$150 annually each, but will add to your policy cost.

1
States requiring PIP:
Personal Injury Protection (PIP) covers medical expenses, lost wages, and essential services for you and your passengers regardless of who caused the accident. PIP is primarily required in no-fault insurance states, where each driver's insurance covers their own injuries regardless of who caused the accident.
States: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Utah
2
States requiring Uninsured Motorist coverage:
Uninsured Motorist coverage protects you if you're in an accident with a driver who has no insurance by covering your medical expenses and, in some states, property damage.
States: Connecticut, District of Columbia, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia, Wisconsin
3
States requiring Underinsured Motorist coverage:
Underinsured Motorist coverage pays for your expenses when you're hit by a driver whose insurance limits are too low to cover all your damages.
States: Connecticut, Maine, Maryland, Massachusetts, Minnesota, Nebraska, New Jersey, North Carolina, North Dakota, Oregon, South Dakota, Vermont, Virginia, Wisconsin

Do You Need an Umbrella Policy?

An umbrella policy is extra liability coverage that layers on top of your auto (and often home or renters) insurance, paying any lawsuit costs that exceed your underlying limits—typically in $1 million increments up to $5 million or more.

How Umbrella Polices Work
Your auto policy pays first when you’re liable for injuries or property damage. If a settlement is higher than those limits, the umbrella policy covers the excess.

Who Should Get an Umbrella Policy
Anyone with significant assets, high income, or added risk from teen drivers, rental property, or frequent driving should consider an umbrella policy. It adds extra liability protection beyond your auto or home insurance, helping shield your savings and future earnings from costly lawsuits.

Is State Minimum Car Insurance Coverage Enough?

Though state minimums are less expensive, we strongly recommend higher liability coverage.

Here is a real-life scenario: You have minimum 25/50/25 auto liability coverage and cause an accident that totals a new Range Rover Sport ($100,000 value) and results in $50,000 of medical expenses for the other driver. Your insurance would only cover $25,000 of the vehicle damage and $25,000 of medical costs, leaving you personally responsible for the remaining $75,000 for the vehicle and $25,000 in medical costs.

You could be sued for this amount plus potential additional damages for pain and suffering or lost wages. This is why higher liability limits provide important protection for your personal assets.

How Much Insurance Do I Need: FAQ

Choosing the right car insurance can be overwhelming. Here are answers to common questions to help you decide how much coverage you need.

How much liability coverage do I need to protect my assets?

You should carry liability coverage at least equal to your net worth (your assets minus debts). Most insurance experts recommend minimum liability limits of 100/300/100 for adequate protection.

Is basic, state minimum car insurance enough?

State minimum liability insurance often fails to provide adequate financial protection. MoneyGeek suggests opting for 100/300/100 liability coverage. Full coverage insurance may be required if you're leasing or financing your car.

What insurance coverage should I get for a new or expensive car?

For a new or expensive car, purchase full coverage with liability limits of 100/300/100, comprehensive and collision coverage with $500-$1,000 deductibles, and gap insurance if financing. Consider adding new car replacement coverage, which provides a brand-new vehicle rather than depreciated value if yours is totaled in the first 1-2 years of ownership.

Is car insurance per person or by car?

Car insurance follows the car, not the driver. Your insurance covers anyone who drives your vehicle with permissive use.

How many cars can you have on your insurance policy?

Most insurance companies allow adding up to four or five cars to a multi-car policy if they're all kept at the same address. While each vehicle needs liability insurance, you can choose which cars get collision or comprehensive coverage.

How does choosing a higher or lower deductible affect my insurance premium?

A higher deductible (like $1,000) results in lower monthly premiums but means you'll pay more out-of-pocket when filing a claim. Most insurers report that raising a deductible from $500 to $1,000 can reduce premiums by 15-30%.

What is gap insurance and do I need it for my financed or leased vehicle?

Gap insurance covers the difference between what you owe on your car loan and the vehicle's actual cash value if it's totaled or stolen. It's highly recommended for new vehicles with small down payments or long-term financing, and is often required for leased vehicles.

How do I avoid a gap in coverage when switching car insurance companies?

Purchase your new policy before canceling your old one, setting the new policy's start date to match or overlap with your old policy's cancellation date. Even a single day without coverage can result in higher rates and potential legal penalties.

Auto Insurance Recommended Coverage: Our Review Methodology

Study Overview

MoneyGeek determined car insurance costs using quotes from various locations with a sample driver profile. We analyzed state liability coverage limits, average costs and policy coverage types.

Data Sources and Depth

We sourced data from Quadrant Information Services and state insurance departments. Our analysis includes over 500,000 quotes across 46 providers and 473 ZIP codes.

On This Page
This pages cites coverage add-on costs and average costs ranges for liability coverage. Add-on cost came directly from insurance company online quotes. Liability policy cost ranges were averaged from our data base of quotes with the driver profile below.

Driver Profile

To estimate average annual auto insurance rates, we used this sample driver:

40-year-old male
Toyota Camry LE
Clean driving record
12,000 miles driven annually

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About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

Read Full Bio »

How Much Car Insurance Do I Need?

Key Takeaways

How Much Car Insurance Do I Need?

How Much Car Insurance I Need by Driver Type?

Budget-Conscious Drivers

Families with Multiple Vehicles

High Assets / New Expensive Vehicles

Teen Drivers

Drivers with Accidents or Violations

Four Common Coverage Types Explained

Liability Coverage (Legally Required)

Full Coverage (Comprehensive and Collision)

Medical coverage options

Uninsured/Underinsured Motorist Coverage

Determine How Much Car Insurance You Need

Enter Your ZIP Code

How Much Liability Coverage Do I Need?

MONEYGEEK RECOMMENDATION: HOW MUCH LIABILITY DO I NEED?

Liability Cost by Coverage Amount

Do I Need Full Coverage (Comprehensive and Collision)?

MONEYGEEK RECOMMENDATION DO YOU NEED FULL COVERAGE?

Add-On Coverage You May Need or Want

MONEYGEEK RECOMMENDATION: WHAT COVERAGE ADD-ONS DO YOU NEED?

Required Coverage You Need For a Financed or Leased Car

When financing a vehicle, lenders typically require:

Leasing companies have stricter requirements:

Gap insurance consideration:

What Car Insurance Deductible Do You Need?

MONEYGEEK RECOMMENDATION: CHOOSING A DEDUCTIBLE

Minimum Car Insurance Coverage Requirements by State

States That Require Additional PIP and UM Coverage

States requiring PIP:

States requiring Uninsured Motorist coverage:

States requiring Underinsured Motorist coverage:

Do You Need an Umbrella Policy?

Is State Minimum Car Insurance Coverage Enough?

Compare Insurance Rates

How Much Insurance Do I Need: FAQ

How much liability coverage do I need to protect my assets?

Is basic, state minimum car insurance enough?

What insurance coverage should I get for a new or expensive car?

Is car insurance per person or by car?

How many cars can you have on your insurance policy?

How does choosing a higher or lower deductible affect my insurance premium?

What is gap insurance and do I need it for my financed or leased vehicle?

How do I avoid a gap in coverage when switching car insurance companies?

Auto Insurance Recommended Coverage: Our Review Methodology

Suggest Car Insurance Coverage: Related Articles