What is the Minimum Car Insurance Coverage in Your State?

minimum car insurance coverage

While everyone wants to have the best insurance coverage possible, sometimes it’s just not in the cards to pay a huge bill every month.



If you have a car, though, each state requires that you have insurance on it. Your insurance bill doesn’t have to be huge if you have insurance. Every state has a minimum car insurance coverage level that you must adhere to, but the minimum usually doesn’t cost too much.

Interested in finding out what your state’s minimums are? We’ll help you find out.

Your State’s Minimum Car Insurance Coverage

Each state has a minimum amount of coverage that you need to have in order to legally drive. This is true for every state except New Hampshire, so it’s pretty likely that you will need to have some form of car insurance.

If you’re from New Hampshire, though, you’re getting a special shoutout.



New Hampshire Does Have Requirements

While you aren’t required to have automobile insurance to legally drive, you are required to be financially responsible. This means that you would be able to pay for the injuries of anyone that you harm should you ever get into an accident in your vehicle.

You also have to be able to pay for any damages done to the other party’s vehicle. When you look at the total scheme of things, there’s no decent reason that you wouldn’t want to get car insurance. Sure, you may be able to miss out on the payment each month but if you get into an accident your finances could be scarred for life.

Other States

Your specific state’s requirements can be found on your state insurance commissioner’s website. Most states will require you to have one of the four following forms of insurance.

1. Property Damage Liability

This form of insurance covers the costs that come from any damage that you put onto another car. The crash will be covered for the other party’s property. Your vehicle, however, will not be covered.

The costs of damages to your own property will be for you to sort out. This doesn’t account for any bodily harm.

2. Bodily Injury

This coverage will cover the injury costs of the other party if they are harmed. Bodily injury coverage doesn’t account for the property that is damaged, however.

3. Personal Injury

Personal injury protection will vary in coverage depending on the incident. You must look closely at the wording of your insurance agreement because there might be a number of limitations on your coverage.

Try to find coverage that aids in medical expenses, death and funeral coverage, and rehabilitation.

4. Protection From Uninsured Motorists

Some states may ask that you have uninsured motorist protection. This protects you in the case that the person you crash with does not have insurance and cannot pay for your damages.

Make Your Own Repairs

If you’re looking for a car you need to understand your state’s minimum car insurance coverage. If you’ve already been in a crash, you need to find ways to fix your vehicle.

You may be able to do more to fix your car than you think. Repairing your own vehicle will save you thousands of dollars in the long run. If you’re interested in learning ways to personally fix your car, check out the information on our page.