Protection that's made for you
Where you live determines the auto insurance coverage levels you must have. Different state laws require certain coverages and sets minimum coverage limits that all drivers must purchase. However, you may be able to increase your coverage by selecting higher coverage limits. Take a closer look at what's required in your state by selecting from the table below.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
What types of coverage are required?
Depending on where you live, some coverages are mandatory and some are optional. Understanding what's required in your state and what each helps cover can help you choose the right coverage for your situation.
Is uninsured motorist coverage required?
Uninsured motorist coverage is part of a car insurance policy that helps pay for your medical bills if you're hit by a driver who doesn't have car insurance. In some states, it may also help pay for your car repairs. Depending on where you live, uninsured motorist coverage may be required by law.
Underinsured motorist coverage also varies by state but may help pay for medical bills if you’re hit by a driver who has car insurance but not enough to pay for your injuries.
How much does car insurance cost in my state?
The cost of car insurance depends on many factors, including the types of auto insurance coverages you want included in your policy, the amount of your deductible and the limits of coverage. Things like the make and model of your car also can be taken into account, as well your driving record, age, where you live and more.