Car insurance is one of the most expensive things you’ll pay for, and it’s often difficult to find affordable rates. To make car insurance more affordable, people are opting to get auto insurance quotes online-that’s where consumers start their search for low costs.

The “state farm car insurance” is a company that offers insurance to people who drive cars. Most of the time, people pay more for car insurance in some states than others.

Here's where people pay the most for car insurance

In most places, you must obtain automobile insurance to drive lawfully, with the minimum amount established by your state of residency. Because requirements for liability insurance, property damage, medical expenditures, uninsured/underinsured coverage, and personal injury protection, among other things, we should refer to “auto insurance minimum coverages” in plural.

This article will offer a broad summary based on the most up-to-date information. Verify information for your specific state to ensure you meet the necessary vehicle insurance needs.

 

 

Take a look at Alabama’s vehicle insurance requirements: 25/50/25. This implies that the state needs $25,000 in bodily injury liability insurance per person, $50,000 in total bodily injury liability insurance for all injuries sustained in a single accident, and $25,000 in property damage liability insurance for each accident. This is the overall framework we’ll use when adding extra insurance information about a state as it becomes available.

Is it possible to pay off a personal loan early?

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Alabama

waterfall_in_Alabama

Car Insurance Requirements: 25/50/25

James Deitsch contributed to this image.

Alaska

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Car Insurance Requirements: 50/100/25

Chilkoot is the author of this image.

Arizona

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Car Insurance Requirements: 25/50/15

wanderluster is the source of this image.

Arkansas

arkansas

Car Insurance Requirements: 25/50/25

Rdlamkin is the author of this image.

California

Avalon_Harbor_Santa_Catalina_Island_California

Car Insurance Requirements: 15/30/5

mlauffen is the author of this image.

Colorado

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Car Insurance Requirements: 25/50/15

Jacob Boomsma / istockphoto contributed to this image.

Connecticut

Connecticut

  • Car Insurance Requirements: 25/50/25
  • Uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident is also required by the state.

traveler1116 is the photographer behind this image.

Delaware

delaware

  • Car Insurance Requirements: 25/50/10
  • Additional Requirements: Personal injury protection is also required by the state (PIP)

mdgmorris is the author of this image.

Florida

I_Naples_FL

Car insurance requirements include a $10,000 property damage liability per accident and a $10,000 personal injury protection (PIP) coverage.

Elisa.rolle is the photographer behind this image.

Georgia

georgia

Car Insurance Requirements: 25/50/25

SeanPavonePhoto contributed to this image.

Hawaii

hawaii

Car Insurance Requirements: 20/40/10 and $10,000 PIP

Art Wager is responsible for this image.

Idaho

idaho_fTpeVkf

Car Insurance Requirements: 25/50/15

knowlesgallery is the source of this image.

Illinois

illinois

  • Car Insurance Requirements: 25/50/20
  • Additional Requirements: Policies are required by state law to offer coverage for uninsured motorists.

Image courtesy of ibsky.

Indiana

indiana_wCv3Jdh

  • Car Insurance Requirements: 25/50/25
  • Additional Requirements: This state additionally requires $50,000 in bodily injury uninsured motorist coverage.

f11photo is the photographer responsible for this image.

Iowa

iowa

Car Insurance Requirements: 20/40/15

JoeChristensen is the photographer behind this image.

Kansas

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  • Car Insurance Requirements: 25/50/25
  • Additional Requirements: Personal injury protection and uninsured/underinsured motorist coverage ($25,000 per person/$50,000 per accident) are required in addition to uninsured/underinsured motorist coverage ($25,000 per person/$50,000 per accident) (PIP or no-fault)

Tiago Fernandez / istockphoto contributed to this image.

Kentucky

kentucky

Car Insurance Requirements: 25/50/25

Thomas Kelley is the photographer behind this image.

Louisiana

louisiana

Car Insurance Requirements: 15/30/25

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Maine

maine

  • Car Insurance Requirements: 50/100/25
  • Additional requirements include uninsured motorist coverage of $50,000 per person and $100,000 per accident, as well as $2,000 in medical payment coverage.

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Maryland

maryland

Car Insurance Requirements: 30/60/15

James Lane is the author of this image.

Massachusetts

Massachusetts

Car Insurance Requirements: 20/40/5 and $8,000 PIP

Rolf 52 is the author of this image.

Michigan

MICHIGAN_Mackinac_bridge

Car Insurance Requirements: 20/40/10

haveseen is the source of this image.

Minnesota

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  • Car Insurance Requirements: 30/60/10
  • Additional requirements include $25,000 in uninsured/underinsured motorist coverage per person, $50,000 per accident, and $40,000 in personal injury protection (PIP).

JoeChristensen is the photographer behind this image.

Mississippi

Mississippi

Car Insurance Requirements: 25/50/15

stevegeer is the author of this image.

Missouri

missouri

  • Car Insurance Requirements: 25/50/25
  • Additional Requirements: $25,000 in uninsured motorist coverage per person and $50,000 per accident are also required.

eyecrave is the source of this image.

Montana

montana

Car Insurance Requirements: 25/50/20

YinYang is the creator of this image.

Nebraska

nebraska_TCTOTWW

  • Car Insurance Requirements: 25/50/25
  • Plus $25,000 in uninsured/underinsured motorist coverage per person and $50,000 per accident.

Marekuliasz is the author of this image.

Nevada

nevada

Car Insurance Requirements: 25/50/20

AlizadaStudios provided the image.

New Jersey is a state in the United States.

iStock-1087953564

  • Car Insurance Requirements: 15/30/5
  • Additional Requirements: $15,000 in Personal Injury Protection (PIP).

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New Mexico is located in the United States.

new_mexico

Car Insurance Requirements: 25/50/10

Davel5957 is the author of this image.

New York

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Car Insurance Requirements: 25/50/50 and $50,000 PIP

Boogich is the author of this image.

North Carolina is a state in the United States.

Charlotte_North_Carolina

  • Car Insurance Requirements: 30/60/25
  • Additional Requirements: The state additionally has special requirements for uninsured/underinsured motorists’ insurance coverage.

” Darwin Brandis” is the source of this image.

North Dakota is a state in North America.

north_dakota

Car Insurance Requirements: 25/50/25

sequential5 is the source of this image.

Ohio

ohio

Car Insurance Requirements: 25/50/25

dypics is the source of this image.

Oklahoma

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Car Insurance Requirements: 25/50/25

DepositPhotos.com is the source of this image.

Oregon

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  • Car Insurance Requirements: 25/50/20
  • Additional Requirements: $25,000 in uninsured motorist coverage per person and $50,000 per accident are also required., and $15,000 PIP

HaizhanZheng is the author of this image.

Pennsylvania

Gettysburg_Pennsylvania

  • Car Insurance Requirements: 15/30/5
  • Additional Requirements: $5,000 in medical payments is required.

AppalachianViews is the source of this image.

Rhode Island is a state in the United States.

rhode_island_I8L5GLF

Car Insurance Requirements: 25/50/25

danlogan is the author of this image.

South Carolina is a state in the United States.

south_carolina

  • Car Insurance Requirements: 25/50/25
  • Plus $25,000 in uninsured coverage per person, $50,000 per accident, and $25,000 in property damage coverage.

SeanPavonePhoto contributed to this image.

South Dakota is located in the United States.

south_dakota

  • Car Insurance Requirements: 25/50/25
  • Additional Requirements: $25,000 in uninsured motorist coverage per person and $50,000 per accident are also required.

RiverNorthPhotography is responsible for this image.

Tennessee

tennessee_6ErJQ0F

Car Insurance Requirements: 25/50/15

Swarmcatcher is the author of this image.

Texas

El_Paso_Texas

Car Insurance Requirements: 30/60/25

DenisTangneyJr., DenisTangneyJr., DenisTangneyJr., Denis

Utah

UTAH_Park_City

Car Insurance Requirements: 25/65/15

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Vermont

Depositphotos_13321058_m-2015

Car Insurance Requirements: 25/50/10

DepositPhotos.com is the source of this image.

Washington

Washington_NP9X7gp

Car Insurance Requirements: 25/50/10

4nadia is the author of this image.

Washington, D.C. is the capital of the United States.

GettyImages-925908850

  • Car Insurance Requirements: 25/50/10
  • Additional requirements include $25,000 in uninsured motorist coverage per person, $50,000 in accident coverage, and $5,000 in property damage coverage.

dkfielding contributed this image.

West Virginia is a state in the US.

Depositphotos_7549387_s-2019

  • Car Insurance Requirements: 25/50/25
  • Additional Requirements: $25,000 in uninsured motorist coverage per person and $50,000 per accident are also required., and $25,000 property damage

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Wisconsin

Milwaukee_Wisconsin

  • Car Insurance Requirements: 25/50/10
  • Additional Requirements: $25,000 in uninsured motorist coverage per person and $50,000 per accident are also required.

FierceAbin is the author of this image.

Which States Have No Insurance Requirements?

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You’ll note that New Hampshire and Virginia aren’t included on this list. That’s because, although they have laws on the matter, they don’t mandate automobile insurance per se.

If you don’t have auto insurance in Virginia, you’ll have to pay a $500 fine, which is more than the state’s average liability insurance premium.

However, this amount does not include any insurance coverage for the driver. As a result, if they are at fault in an accident, they are liable for any damages they cause, as well as recompense for any medical injuries and/or property damage.

In New Hampshire, there are no penalties for driving without insurance, but the at-fault motorist is accountable for any damages incurred as a result of the collision.

If a motorist chooses to get automobile insurance in either state, the minimum coverage is 20/50/25 in both.

How to Get Car Insurance in 5 Easy Steps is highly recommended.

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Understanding the Coverage Requirements

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The following are definitions for important vehicle insurance words related to coverages:

  • When a driver’s actions or inactions create an accident, they are said to be “at blame.”
  • If you’re at fault in an accident, liability insurance covers for the other driver’s/drivers’ vehicle repairs (property damage) and medical costs (bodily injuries).
  • Uninsured and underinsured motorist coverage covers both drivers and passengers in the event that the other driver has little or no automobile insurance. The body insurance element of the policy pays for medical expenses, while the property damage portion covers car repairs.
  • Personal injury protection: This helps pay for the insured driver’s and passengers’ accident-related medical bills, regardless of who is at fault.

Liability vehicle insurance may also cover lost wages, legal bills in the event of a lawsuit, and/or burial expenses. Property damage coverage might extend beyond car repairs to include, for example, a fence, bicycle, shed, or structure that has been damaged in an accident.

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State Minimum Car Insurance Requirements Exceptions

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New Hampshire and Virginia, as previously stated, take a distinct approach to vehicle insurance needs. In Kentucky, a motorist may have 25/50/25 coverage or a policy with a $60,000 maximum as an alternative.

In Maine, for example, you may choose from the above-mentioned coverage options or a $125,000 policy. Because each state is different, it’s wise to double-check what insurance is needed by law and what choices are available where you reside.

In more than half of the states, a motorist may choose to acquire a state-issued bond instead of vehicle insurance. The amount of the bond varies by state (although none of them are modest), and these money are utilized if you cause an accident.

If the state compensates an injured person (as a result of an accident in which you were at fault), you must promptly refund the money to the state, plus interest. Because the bond is linked to the driver rather than the vehicle, it covers any vehicle operated by the bondholder.

How Does Car Insurance Work? is a good place to start.

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Beyond Automobile Insurance Minimum Insurance Coverage

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So far, this article has focused on the types of insurance that are required by law. But how much automobile insurance do you actually require? That’s an other issue altogether.

Even if your state does not mandate comprehensive coverage, if you are financing or leasing a car, the lender will almost certainly demand you to have it. This insurance covers damage to a car that isn’t the result of an accident. Weather damage, theft or vandalism, colliding with an animal, and other damages are examples.

Even if a car is paid off, it’s frequently a good idea to have this coverage in your policy since the cost is cheap compared to the cost of repair or replacement if it’s damaged or stolen.

Collision coverage extends beyond collision damage to include expenditures incurred if you collide with a tree or structure, or if you strike a pothole, for example. If paying for losses out of pocket would be difficult or if your risk tolerance is low, this coverage can be worth considering.

Then there’s guaranteed auto protection (GAP), which may safeguard you while the value of your car depreciates. GAP would reimburse the difference between what you owe on the automobile and its real cash worth if it was wrecked in an accident or stolen. This enables you to pay off your loan or lease and then get any remaining funds from your insurance company. To add the optional GAP, you typically require complete motor insurance.

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Getting Cheaper Car Insurance

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Here are some suggestions to help you save money on auto insurance:

  • Get quotes. Using an online comparison tool can make your search especially efficient. The Insurance Information Institute recommends that you get at least three quotes. To check out the insurer’s financial health, you can use Standard & Poor’s, AM Best, or another rating service — and/or contact your state insurance department to see if there are any complaints about them.
  • Ask your existing insurance provider about any reductions they may be able to give. To maintain your business, they may offer you a greater premium.
  • Check to see if you qualify for any savings based on your driving record, vehicle anti-theft features, carpooling/remote working, going paperless with bills, or other methods.
  • Find out how much you may save by bundling your auto insurance with additional policies. For example, you may be able to combine auto insurance coverage for many cars, or you may be able to combine homeowners or renters insurance.
  • Consider increasing your deductible, which is the amount you must pay out of cash before your insurance kicks in to settle a claim. This may help you save money on your insurance premiums, but if you have an accident, you may have to utilize your personal funds before the insurer covers your claim.
  • Reevaluate your insurance requirements. You may not need all of the coverages you originally needed if your automobile is older. However, you must weigh what you may save on premiums now against what might happen tomorrow if an accident or other covered event happens. Of course, you’ll need to bear in mind the state’s minimal vehicle insurance requirements.

kadmy / istockphoto / kadmy / istockphoto / kadmy / istockphoto /

The Remainder

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Most states have minimum auto insurance requirements (and even if they don’t, there are still coverage limitations that must be satisfied). This article discusses the many kinds of insurance policies available as well as the minimum coverage levels required by each state.

More information is available at:

MediaFeed.org syndicated this story, which first appeared on SoFi.com.

Insurance not available in all states. Gabi is a registered service mark of Gabi Personal Insurance Agency, Inc. SoFi is compensated by Gabi for each customer who completes an application through the SoFi-Gabi partnership. Third-Party Brand Mentions: No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners. Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances. This article is not intended to be legal advice. Please consult an attorney for advice.

SrdjanPav is the author of this image.

MediaFeed has more.

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AlertMe

The “best insurance companies for home and auto” is a question that has been asked by many people. The answer to this question is, in order of the amount of money paid per year, GEICO, Progressive, State Farm, Allstate and USAA.

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