How much car insurance do you need?
State minimums are the legal floor — not what actually protects you. Answer 3 quick questions and we’ll recommend coverage that fits your car and what you have to protect.
How do you pay for your car?
Roughly what’s your car worth?
How much would a lawsuit put at risk?
Liability vs. full coverage
Liability pays for the other person’s injuries and property when you cause an accident — every state requires it. It does not repair your own car. Collision & comprehensive (together called “full coverage”) pay to fix or replace your car after a crash, theft, weather, or vandalism.
Why higher liability limits matter
If you cause a serious accident, the injured party can sue you for anything your liability limit doesn’t cover — and that can reach your savings, home, and even future wages. Raising your limits from the state minimum to 100/300/100 usually costs far less than people expect, because the most expensive part of a policy is the first dollar of coverage, not the last.