Find out if your car insurance policy meets your state's minimum liability coverage requirements. We have the minimum car insurance requirement for each state.
Every state has different minimum insurance levels. Some states have much higher levels than others. For example, the laws in Maine are much stricter than those in Florida. But, all of them include these three basic components:
Each insurer has its own way of deciding rates. That's why it's so vital to compare quotes across all companies when shopping for car insurance. Doing so guarantees that the rate you’re paying is the best rate possible. QuoteWizard makes getting a comparison quick and simple.
Compared to the national averages, many states’ minimum insurance levels are low. The laws are there to protect consumers. But, the minimum probably won’t be enough. So, it’s important to consider buying more than the bare minimum. For example, some states only require $5,000 Property Damage Liability. But, most cars are worth much more than that and many car crashes cause far more than $15,000 in damages. The same goes for Bodily Injury Liability requirements. It’s worth it to pay a bit more for higher coverage, rather than finding out after an accident that your insurance coverage isn’t enough. That’s the kind of surprise you want to avoid.
It might sound like a lot, but insurance companies recommend around 100/300/100 for most drivers. That means $100,000 and $300,000 in BIL and $100,000 for PIL. Especially in today’s world of lawsuits and fines, paying a little extra for much more protection is a smart decision. It’s one that could save you a huge headache and a lot of cash down the road.
|District of Columbia||25/50/10|
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