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Learn More about Coverage In Your State

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Car Insurance Laws & Requirements by State

We work 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. Every state except Florida, New Jersey and New Hampshire, requires drivers to have liability coverage, so it’s important to make sure your policy meets those standards.


Minimum Limits Car Insurance

“Minimum limits car insurance” means the lowest amount of bodily injury and property damage liability coverage required by a state, for the protection of a third party caused by an insured’s negligence. While drivers should carry sufficient coverage to protect their assets, state minimum limits levels for bodily injury liability coverage ranges from $10,000 to $100,000 per person. Minimum property damage liability coverage ranges from $5,000 to $50,000 per occurrence. To find out the minimum limit amount of car insurance in your state of residence, please visit your state link in the above listing.


Additional Car Insurance Information

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 car insurance, some common penalties include:

  • Suspension of your driver’s license and registration
  • Fines and reinstatement fees
  • A SR-22 Insurance Filing, which has a cost
  • Impoundment of your vehicle
  • Community service
  • Jail time

Information contained about legal requirements is pulled from other sources and Good2Go Insurance, therefore, doesn’t guarantee its accuracy. Good2Go Insurance, Inc. is not providing this information as legal advice and no attorney-client relationship is established by providing this information. We recommend that you consult with an attorney regarding any questions that you may have.


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