Key Takeaways
- Compare coverage details before focusing on price.
- Review limits, deductibles, exclusions, and eligibility carefully.
- Verify final policy details with a carrier or licensed insurance professional.
Most U.S. states require drivers to carry a minimum amount of car insurance, but the required limits can vary widely. Minimum coverage is designed to satisfy state law, not necessarily to protect every financial risk after a serious accident.
What minimum coverage usually includes
- Bodily injury liability can help pay for injuries you cause to others.
- Property damage liability can help pay for damage you cause to another vehicle or property.
- Some states require personal injury protection, medical payments, or uninsured motorist coverage.
Why minimum limits can be risky
If an accident costs more than your policy limit, you may be responsible for the remaining amount. Drivers should compare state requirements with their assets, vehicle use, and risk tolerance before choosing coverage limits.
