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Affordable auto insurance in my state

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Why does the state I live in affect my rate?

Car insurance rates vary by state. Each state has unique auto insurance laws that determine the type and amount of coverage drivers are required to carry. This means the price you would pay for car insurance in Florida may be very different than price you would pay for a similar policy in New York due to state regulations. 

Additionally, if you live in a state that has a higher number of claims than others, you may pay more for car insurance. For example, if you live in a northern state that gets frequent snowstorms in the winter, you’ll likely pay more for auto insurance since the risk of an accident is higher.

Your zip code also influences what you’ll pay for coverage. Within a state, population density, crime rate, the number of reported accidents, and several other factors can impact the price residents pay for car insurance in a specific zip code.

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Car insurance requirements by state

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Car insurance requirements by state

It’s important to understand your state’s car insurance requirements and regulations. Knowing the minimum coverage required where you live can give you a good idea of how much your car insurance will cost and will help you choose the right insurance policy.  

Almost all states require liability insurance, which helps you pay for expenses related to an accident you cause (or, in other words, are liable for). Usually, states have requirements for both bodily injury liability, which covers the other driver’s medical expenses, and property liability, which covers damages to the other person’s vehicle and personal property. However, the minimum limits for each of these policies differs state-by-state, and some states require more coverage beyond liability insurance. 

Find your state to see its required coverage types and minimum coverage amounts. This should give you a good starting point when determining what and how much car insurance you need. 

Keep in mind that these numbers reflect state minimum requirements, and you may need more coverage than the minimum requirements based on your needs and desired coverage, which can vary person to person.  

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Car insurance requirements in Alabama

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Car insurance requirements in Alabama

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It’s important for residents to know car insurance requirements in Alabama. The following are the coverage types and limit amounts required for auto insurance in Alabama; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $25,000 limit

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Car insurance requirements in Alaska

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Car insurance requirements in Alaska

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It’s important for residents to know car insurance requirements in Alaska. The following are the coverage types and limit amounts required for auto insurance in Alaska; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $50,000 limit per person/$100,000 limit per accident 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $25,000 limit 

Learn more

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Car insurance requirements in Arizona

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Car insurance requirements in Arizona

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It’s important for residents to know car insurance requirements in Arizona. The following are the coverage types and limit amounts required for auto insurance in Arizona; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $15,000 limit per person/$30,000 limit per accident 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $10,000 limit 

Learn more

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Car insurance requirements in Arkansas

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Car insurance requirements in Arkansas

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It’s important for residents to know car insurance requirements in Arkansas. The following are the coverage types and limit amounts required for auto insurance in Arkansas; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $25,000 limit 

Learn more

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Car insurance requirements in California

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Car insurance requirements in California

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Car insurance requirements in Alabama ensure drivers are protected financially in the case of an at-f

It’s important for residents to know car insurance requirements in California. The following are the coverage types and limit amounts required for auto insurance in California; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $15,000 limit per person/$30,000 limit per accident 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $5,000 limit 

Learn more

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Car insurance requirements in Colorado

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Car insurance requirements in Colorado

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It’s important for residents to know car insurance requirements in Colorado. The following are the coverage types and limit amounts required for auto insurance in Colorado; however these minimums are just a starting point, and you may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

  • Bodily Injury Liability to cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident 
  • Property Damage Liability to cover property damage expenses in an accident when you’re at fault – $15,000 limit 

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Why would I buy more insurance than my state requires?

The amount of insurance that your state requires is only the starting point for determining what coverage you need. In some cases, you will need or want even more coverage than your state requires. Some of the most common reasons for this include:

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You want more covered by your insurance

Often, people will choose to add more coverage to their policy that covers damages to their own property and events outside your control like theft or weather damage.

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You want higher limits than what’s required

Sometimes, it’s a good idea to raise your limits so you don’t get caught paying out of pocket for an expensive accident.

Umbrella

Your lender requires more coverage

If you lease or finance your vehicle, your lender may have their own requirements for the kind and amount of car insurance you have, like collision or comprehensive insurance.