All states
The minimum is a legal floor, not a recommendation. Understanding what it does not cover is the more useful exercise.
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Current coverage limits
Whether you have an SR-22
Any recent lapse
Ranges from very low to reasonably substantial. A few states require uninsured motorist coverage too.
No-fault states require personal injury protection and limit your right to sue.
Fines, license suspension, and in many states an SR-22 filing requirement.
The number on the statute has not kept up with the cost of a serious accident.
State minimums were set decades ago in many states and have been raised only occasionally. A single serious injury can easily exceed them.
When a claim exceeds your limits, you are personally responsible for the difference. That is the part people do not think about until it happens.
Raising liability limits typically costs far less than people expect, often a modest increase in premium for a large increase in protection. It is usually the best value in the whole policy.
A form your insurer files with the state proving you carry coverage. It is usually required after a lapse, a DUI or an at-fault accident.
In many states yes. Some verify coverage electronically and issue fines automatically.
It is optional in most states and worth carrying. A meaningful share of drivers have no insurance.
Uninsured and underinsured motorist, in states where it is not required
Medical payments or PIP above the state minimum
Rental reimbursement, if you cannot be without a vehicle
Roadside assistance, usually cheap as a policy add-on
Tell us your state and we will show you what applies and what it does not cover.
