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Coverage Options in the United States

Liability Insurance

Required by law in most states

  • Bodily injury liability
  • Property damage liability
  • Minimum state requirements covered

Average cost: $45-100/month

Collision Coverage

Protects your vehicle in accidents

  • Repairs after accidents
  • Vehicle replacement if totaled
  • Coverage regardless of fault

Average cost: $60-150/month

Comprehensive Coverage

Protection beyond collisions

  • Natural disaster damage
  • Theft protection
  • Vandalism coverage

Average cost: $50-120/month

Personal Injury Protection

Medical expenses coverage

  • Medical bills coverage
  • Lost wages compensation
  • Rehabilitation costs

Average cost: $40-90/month

Underinsured Motorist

Protection from uninsured drivers

  • Uninsured driver accidents
  • Hit-and-run coverage
  • Underinsured protection

Average cost: $35-75/month

Gap Insurance

Loan/lease gap coverage

  • New car replacement
  • Loan balance coverage
  • Lease protection

Average cost: $20-40/month

State Minimum Requirements

State Bodily Injury (per person) Bodily Injury (per accident) Property Damage
Alabama$25,000$50,000$25,000
Alaska$50,000$100,000$25,000
Arizona$25,000$50,000$15,000
Arkansas$25,000$50,000$25,000
California$15,000$30,000$5,000
Colorado$25,000$50,000$15,000
Connecticut$25,000$50,000$25,000
Delaware$25,000$50,000$10,000
Florida$10,000$20,000$10,000
Georgia$25,000$50,000$25,000
Hawaii$20,000$40,000$10,000
Idaho$25,000$50,000$15,000
Illinois$25,000$50,000$20,000
Indiana$25,000$50,000$25,000
Iowa$20,000$40,000$15,000
Kansas$25,000$50,000$25,000
Kentucky$25,000$50,000$25,000
Louisiana$15,000$30,000$25,000
Maine$50,000$100,000$25,000
Maryland$30,000$60,000$15,000
Massachusetts$20,000$40,000$5,000
Michigan$50,000$100,000$10,000
Minnesota$30,000$60,000$10,000
Mississippi$25,000$50,000$25,000
Missouri$25,000$50,000$25,000
Montana$25,000$50,000$20,000
Nebraska$25,000$50,000$25,000
Nevada$25,000$50,000$20,000
New Hampshire$25,000$50,000$25,000
New Jersey$15,000$30,000$5,000
New Mexico$25,000$50,000$10,000
New York$25,000$50,000$10,000
North Carolina$30,000$60,000$25,000
North Dakota$25,000$50,000$25,000
Ohio$25,000$50,000$25,000
Oklahoma$25,000$50,000$25,000
Oregon$25,000$50,000$20,000
Pennsylvania$15,000$30,000$5,000
Rhode Island$25,000$50,000$25,000
South Carolina$25,000$50,000$25,000
South Dakota$25,000$50,000$25,000
Tennessee$25,000$50,000$15,000
Texas$30,000$60,000$25,000
Utah$25,000$65,000$15,000
Vermont$25,000$50,000$10,000
Virginia$30,000$60,000$20,000
Washington$25,000$50,000$10,000
West Virginia$25,000$50,000$25,000
Wisconsin$25,000$50,000$10,000
Wyoming$25,000$50,000$20,000

Requirements may vary. Last updated: April 2025

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