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Compare Auto Insurance Rates and State Requirements

Budget Coverage Info provides minimum coverage requirements, average premium data, and carrier options across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A hand holds out a car key with a black remote fob above a wooden table holding a stack of papers with a pen and a laptop edge, with a blurred kitchen interior behind.Liability InsuranceRequired in 48 states, liability covers damage you cause to others. Minimum limits start at $25,000 per person in some states, but many drivers carry $100,000+ for adequate protection.An open galvanized metal mailbox with a raised red flag on a wooden post, holding a large envelope, with a blurred dark SUV in a driveway and a house behind it at dusk.Full CoverageCombines liability, collision, and comprehensive into one policy. Costs 2-3x more than liability-only but protects your vehicle — typically required only if you have a loan or lease.An open black mailbox with a raised red flag on a wooden post holds a white envelope, with a parked SUV on a gravel driveway and a house blurred in the background at dusk.Collision CoveragePays for your vehicle repairs after an accident, regardless of fault. Optional in all states unless financing — average deductibles range from $500 to $1,000.A bearded man in a dark gray sweater sits at a wooden desk using an open laptop, with printed drawings, a tape measure, a pen and a cup nearby and a window showing blurred trees at sunset behind him.Comprehensive CoverageCovers non-collision damage: theft, vandalism, weather, and animal strikes. Costs less than collision but may not justify the premium for vehicles worth under $3,000.A hand holds a black-fobbed key over a wooden table with stacked papers, a pen, and a document in a folder, in a blurred kitchen interior.Uninsured Motorist CoverageProtects you when hit by a driver with no insurance. Mandatory in 20 states and recommended nationally — approximately 13% of U.S. drivers operate without coverage.A man in a gray zip-neck sweater sits at a wooden desk using a laptop, with papers, a notebook, a dark mug and a desk lamp around him, a window showing bare trees at dusk behind.SR-22 InsuranceA state filing proving you carry minimum liability after certain violations. Not a separate policy — it's a certificate your insurer files, typically adding $25-50 to your premium.

Recent Articles

A man in a dark button-up shirt works on a laptop at a wooden desk with an open notebook, pen, and rolled-out floor plan drawings, with a lit lamp, framed picture, and a window showing sunset behind him.7/13/2026Maryland Required Car Insurance CoverageMaryland mandates liability, PIP, and uninsured motorist coverage with $30,000/$60,000/$15,000 minimums. Compare carriers offering all required coverages.A bearded man in a dark shirt sits at a wooden desk using a laptop, with rolled drawings, papers, a pen, a phone and a desk lamp nearby, shelving behind him and a window showing trees at sunset.7/13/2026Arizona Required Car Insurance CoverageArizona requires $25,000/$50,000/$15,000 liability minimums. See what this floor protects and exposes before you buy coverage.A hand holds a key and black fob over a wooden table with a printed document and pen in a blurred kitchen interior.7/13/2026Hawaii Required Car Insurance CoverageHawaii's minimum is $40,000/$80,000/$20,000 plus PIP. Check where it stops before you buy the cheapest policy.
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Frequently Asked Questions

What happens if I only carry minimum coverage?

You meet legal requirements but remain exposed to out-of-pocket costs. Minimum liability covers others you injure, but you pay for your own vehicle repairs, medical bills, and any damages exceeding your limits. This works for drivers whose vehicle value doesn't justify collision and comprehensive premiums.

Can I compare rates without giving my phone number?

Budget Coverage Info provides state requirements, average premium ranges, and carrier options without collecting phone numbers on the homepage. You'll provide contact information only when requesting binding quotes directly from insurers.

How do state minimum requirements differ?

Each state sets its own liability limits. California requires 15/30/5, while Alaska requires 50/100/25. Some states mandate uninsured motorist or personal injury protection, while others make these optional. Check your state page for exact minimums.

Is liability-only insurance enough?

It's enough to legally drive and may be the most cost-effective choice for older vehicles. However, you'll pay for your own repairs after an accident and remain personally liable for damages exceeding your policy limits. Adequate coverage depends on your vehicle value, assets, and risk tolerance.