Auto Insurance

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Secure the protection you need for both yourself and your vehicle with a comprehensive Auto Insurance Policy. From liability and collision to full coverage, auto insurance helps cover damages and potential expenses following an accident, ensuring peace of mind every time you’re on the road.

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Auto Insurance

What Does Auto Insurance (aka Car Insurance,/Vehicle Insurance) Cover?

  • Liability Coverage: Covers costs associated with injuries and damages to others if you’re at fault in an accident.
  • Collision Coverage: Pays for damages to your vehicle resulting from a collision with another car or object.
  • Comprehensive Coverage: Protects your vehicle from non-collision incidents like theft, fire, vandalism, or weather-related damage.
  • Medical Payments (MedPay) or Personal Injury Protection (PIP): Covers medical expenses for injuries to you and your passengers, regardless of who is at fault.
  • Uninsured/Underinsured Motorist Coverage: Offers protection if you’re hit by a driver with insufficient or no insurance.
  • Roadside Assistance: Provides support for vehicle breakdowns, such as towing, battery jumps, and lockout services.
  • Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered accident.

Benefits of Auto Insurance

  • Helps protect your financial assets from significant accident-related costs.
  • Provides peace of mind knowing you’re covered in case of various vehicle damages or injuries.
  • Ensures compliance with state minimum insurance requirements.
  • Offers flexible coverage options to tailor to your individual needs and budget.

Get a Quote: What Information is Needed?

To provide an accurate quote for your Auto Insurance, please have the following information ready when the agent calls you:

  • What is the minimum required auto insurance? Requirements vary by state but typically include liability insurance for bodily injury and property damage.
  • Do I need comprehensive and collision coverage? These coverages are optional but recommended if you want protection against theft, non-collision damage, or collision-related expenses.
  • How does uninsured/underinsured motorist coverage work? This coverage protects you if you’re hit by a driver who lacks adequate insurance, covering medical and repair expenses.

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Frequently Asked Questions

  • What is the minimum required auto insurance? Requirements vary by state but typically include liability insurance for bodily injury and property damage. See the table below for reference.
  • Do I need comprehensive and collision coverage? These coverages are optional but recommended if you want protection against theft, non-collision damage, or collision-related expenses.
  • How does uninsured/underinsured motorist coverage work? This coverage protects you if you’re hit by a driver who lacks adequate insurance, covering medical and repair expenses.

Auto Insurance Requriements per state for your reference

State Bodily Injury Liability (BI) Property Damage Liability (PD) Personal Injury Protection (PIP) Uninsured/Underinsured Motorist (UM/UIM)
Alabama $25,000/$50,000 $25,000 Not Required Not Required
Alaska $50,000/$100,000 $25,000 Not Required Not Required
Arizona $25,000/$50,000 $15,000 Not Required Not Required
Arkansas $25,000/$50,000 $25,000 Required Required
California $15,000/$30,000 $5,000 Not Required Not Required
Colorado $25,000/$50,000 $15,000 Not Required Not Required
Connecticut $25,000/$50,000 $25,000 Not Required Required
Delaware $25,000/$50,000 $10,000 Required Required
Florida $10,000 $10,000 Required Not Required
Georgia $25,000/$50,000 $25,000 Not Required Not Required
Hawaii $20,000/$40,000 $10,000 Required Not Required
Idaho $25,000/$50,000 $15,000 Not Required Not Required
Illinois $25,000/$50,000 $20,000 Not Required Required
Indiana $25,000/$50,000 $25,000 Not Required Required
Iowa $20,000/$40,000 $15,000 Not Required Not Required
Kansas $25,000/$50,000 $25,000 Required Not Required
Kentucky $25,000/$50,000 $25,000 Required Required
Louisiana $15,000/$30,000 $25,000 Not Required Required
Maine $50,000/$100,000 $25,000 Not Required Required
Maryland $30,000/$60,000 $15,000 Required Required
Massachusetts $20,000/$40,000 $5,000 Required Required
Michigan $50,000/$100,000 $10,000 Required Not Required
Minnesota $30,000/$60,000 $10,000 Required Required
Mississippi $25,000/$50,000 $25,000 Not Required Not Required
Missouri $25,000/$50,000 $25,000 Not Required Required
Montana $25,000/$50,000 $20,000 Not Required Not Required
Nebraska $25,000/$50,000 $25,000 Not Required Required
Nevada $25,000/$50,000 $20,000 Not Required Not Required
New Hampshire $25,000/$50,000 $25,000 Not Required Not Required
New Jersey $15,000/$30,000 $5,000 Required Required
New Mexico $25,000/$50,000 $10,000 Not Required Not Required
New York $25,000/$50,000 $10,000 Required Required
North Carolina $30,000/$60,000 $25,000 Not Required Required
North Dakota $25,000/$50,000 $25,000 Required Not Required
Ohio $25,000/$50,000 $25,000 Not Required Not Required
Oklahoma $25,000/$50,000 $25,000 Not Required Not Required
Oregon $25,000/$50,000 $20,000 Required Required
Pennsylvania $15,000/$30,000 $5,000 Required Not Required
Rhode Island $25,000/$50,000 $25,000 Not Required Required
South Carolina $25,000/$50,000 $25,000 Not Required Required
South Dakota $25,000/$50,000 $25,000 Not Required Required
Tennessee $25,000/$50,000 $15,000 Not Required Not Required
Texas $30,000/$60,000 $25,000 Not Required Not Required
Utah $25,000/$65,000 $15,000 Required Not Required
Vermont $25,000/$50,000 $10,000 Not Required Required
Virginia $30,000/$60,000 $20,000 Not Required Not Required
Washington $25,000/$50,000 $10,000 Not Required Not Required
West Virginia $25,000/$50,000 $25,000 Not Required Required
Wisconsin $25,000/$50,000 $10,000 Not Required Required
Wyoming $25,000/$50,000 $20,000 Not Required Not Required
As of 2023. Minumum are subject to change based on state law. please check with your state insurance department for details

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