Every state's minimum insurance levels are slightly different, but all of them include these three basic components:
Each insurer has its own way of determining rates. That's why it's important to compare quotes when shopping for liability insurance if you want to find the cheapest rate for the coverage you need.
Because many states' minimum insurance levels are low compared to the national averages, it's important to consider purchasing more than the bare minimum. Some states only require drivers to carry $5,000 in Property Damage Liability, but with so many cars worth well over that, a large percentage of car accidents cause far more than $15,000 worth of property damage. The same goes for Bodily Injury Liability requirements. It's definitely worth paying a few dollars more for higher coverage levels instead of risking finding out after an accident that you weren't carrying enough insurance.
While it may sound like a lot, insurance companies recommend around 100/300/100 for most drivers (that's $100,000 and $300,000 for BIL and $100,000 for PIL). In today's hyper-litigious culture, paying a little extra for significantly more protection is a prudent decision that could save you a huge headache (and cash!) down the road.
|Minimum Liability Car Insurance Levels by State|
|District of Columbia||25/50/10|