Figure out the right auto insurance coverage for your situation — not just the state minimum that leaves you financially exposed.
State minimums are dangerously low. A minimum liability policy might require only $25k/$50k in bodily injury coverage — but a serious accident can result in $200k+ in medical bills and lawsuits. This calculator helps you find coverage that actually protects your financial future.
🚗 Your Vehicle
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💰 Your Financial Situation
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Recommended Coverage Package
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Based on your vehicle value and financial situation
Bodily Injury Liability
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Per person / per accident
Property Damage Liability
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Per accident
Comp & Collision
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For your vehicle
Recommended Deductible
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Based on emergency fund
Coverage Analysis
⚖️Bodily injury liability—
🏠Property damage liability—
🔧Collision coverage—
🌪️Comprehensive coverage—
🚑Uninsured motorist coverageAlways recommended — 1 in 8 drivers uninsured
💊Medical payments (MedPay/PIP)Recommended if no health insurance
Find the best auto insurance rate
You now know exactly what coverage you need. Compare quotes to find the best price — rates vary 40-60% between insurers for the same coverage.
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Frequently Asked Questions
What auto insurance coverage is actually required by law? ▾
Every state requires liability insurance: bodily injury liability (pays for others' medical bills if you cause an accident) and property damage liability (pays for damage to others' vehicles/property). State minimums vary widely — some as low as $15k/$30k. Some states also require PIP (Personal Injury Protection) or MedPay. Comprehensive and collision coverage are not legally required but are required by lenders if you have a car loan or lease.
When should I drop comprehensive and collision coverage? ▾
A common rule of thumb: drop comp/collision if your annual premium for those coverages exceeds 10% of your car's value, or if your car is worth less than $5,000-$6,000. For a car worth $8,000 paying $800/year in comp/collision, a total loss pays at most $8,000 minus your deductible. Below a certain value, you're better off self-insuring. Always keep liability coverage regardless of your car's value.
What does liability insurance actually cover? ▾
Liability insurance covers YOU against claims from other people when you're at fault in an accident — their medical bills, lost wages, and property damage. It does NOT cover your own injuries or damage to your own vehicle. The limits are shown as 100/300/100 meaning: $100k per person for bodily injury, $300k per accident total for bodily injury, and $100k for property damage. Your liability coverage should be at least equal to your net worth to protect your assets from lawsuits.