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State Minimum Auto Insurance

Almost every state in the U.S. requires drivers to carry car insurance. State minimum car insurance requirements vary from state to state, so it’s important to know what coverages your state requires.

Coverages that may be required in your state include:

Liability Coverage

Liability Coverage

If you’re at fault in an accident, liability auto insurance helps pay for the costs claimed by other drivers for injuries or damage they sustain, up to the limits of your policy.

Collision Coverage


Collision coverage protects your investment in your vehicle. It is not a state-required coverage but your lender may require it if your vehicle is leased or financed.

Comprehensive Coverage

Comprehensive Coverage

Comprehensive coverage covers damage from natural disasters, hitting an animal, and theft. It is not a state-required coverage but your lender may require it if your vehicle is leased or financed.

Uninsured and Underinsured Motorist Coverage

Uninsured and Underinsured Motorist Coverage

Protects you from having to pay out-of-pocket for damages when the other driver is at fault and doesn’t have enough coverage or any coverage to pay for all the damages. Not available in all states.

Medical Payments

Medical Payments

Pays for your medical bills in case of an injury incurred by you and your passengers in an accident..


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Penalties and Fees

The penalties for driving without car insurance can vary significantly, from hundreds of dollars in fees to having your license suspended. You can avoid this risk by getting SafeAuto car insurance.

Get a quote with SafeAuto today! You can click here or call us at 1-800-SAFEAUTO (1-800-723-3288). 


All coverages listed above are subject to various conditions, limitations, and exclusions, all of which are described fully in the car insurance policy. It is essential to read through your policy to learn how car insurance requirements vary by state, and what you can do to maximize the benefit you receive. SafeAuto is available to help you customize your car insurance quote that gets you what you need at a price you can afford.