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Auto Insurance Quotes and State Requirements Explained

Compare coverage requirements, average rates, and carrier options across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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Liability InsuranceRequired in 48 states, liability covers damage you cause to others in an accident. Minimum limits vary by state from 15/30/5 in California to 50/100/25 in Maine, with most states requiring bodily injury and property damage coverage.

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Full CoverageCombines liability, collision, and comprehensive into one policy required by most lenders if you finance or lease. Adds an average of $800-$1,400 annually compared to liability-only, depending on your vehicle value and chosen deductibles.

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Comprehensive CoverageCovers non-collision damage like theft, vandalism, weather, and animal strikes that liability doesn't include. Typically costs $150-$300 per year with a $500 deductible, making it worthwhile for vehicles valued above $4,000.

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Collision CoveragePays to repair your vehicle after an accident regardless of fault, minus your deductible. Accounts for 40-50% of full coverage premiums and becomes optional once your car's value drops below 10 times the annual premium cost.

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Uninsured Motorist CoverageProtects you when hit by a driver with no insurance, required in 20 states and optional in others. Covers medical bills and vehicle damage that the at-fault driver can't pay, with limits typically matching your liability coverage.

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Frequently Asked Questions

What's the difference between liability and full coverage?

Liability only covers damage you cause to others and is the minimum required by law in most states. Full coverage adds collision and comprehensive to also protect your own vehicle from accidents, theft, and weather damage, which lenders require if you finance or lease.