Car Insurance Laws & Requirements by State

Good2Go Auto Insurance^® is working hard to bring you the best rates on minimum limits auto insurance in every state across the U.S. As you know, auto insurance requirements vary by state, and almost every state in the U.S. requires drivers to have liability coverage (except for New Hampshire), so it’s important to make sure your policy meets those standards.

Minimum Limits Car Insurance

Minimum limits car insurance generally includes coverage for your liability in the event of auto accidents. The policy liability limits the amount of coverage for:

• Bodily injury for one person in an accident
• Bodily injury for all persons injured in one accident
• Property damage for one accident

While it is recommended that drivers carry sufficient coverage to protect their assets, state minimum limits levels for bodily injury coverage can range from $5,000 to $100,000.

Some states may require you to purchase additional insurance such as uninsured motorist coverage and personal injury protection (PIP). Depending on your vehicle, you may also want to consider purchasing collision and comprehensive car insurance coverage. This type of coverage protects your car from damages, theft, and unexpected events such as natural disasters.

If you are caught driving without auto insurance, some common penalties include:

• Suspension of your driver’s license and registration
• Fines that can range from $100 to $1,000, in addition to reinstatement fees
• SR-22 insurance documentation (individual state requirements may vary)
• Confiscation of your vehicle
• Community service
• Jail time

If you’re looking for information on your state’s minimum car insurance laws and requirements, be sure to visit one of the state pages above.