To help ensure greater financial protection for drivers out on the road, nearly every state has a minimum auto insurance requirement. These are only minimums and auto insurance experts suggest getting more than just the states minimum liability requirements.
To find out your state’s exact minimum insurance requirements, you can check with a car insurance provider or at the State Department of Insurance website. Additionally, it is important to understand the different types of coverage available and the coverage limits for each type of coverage. This will help you determine the best coverage for your needs and budget.
State minimums and coverage types vary, but almost all states mandate liability for property damage and personal injury.
Some states do not require you to carry car insurance as long as you prove that you are meeting the minimum requirements for financial responsibility set by the state. Only a few states require Personal Injury Protection Insurance (PIP) or similar types of insurance for first-party benefits, while none require full coverage for collision.
It is great that you are interested in the minimum required by your state, but as said at the beginning of this blog entry, it is recommended that you get a policy that best fits your needs for auto insurance.
According to Forbes, New Hampshire and Virginia are the only two states that do not require you to carry auto insurance minimum, but their drivers could need to be covered in certain situations.
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