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All typesCar insurance is regulated state by state, so the cover you are legally required to carry depends entirely on where U live. Here is how to find your minimum and why it is usually a floor, not a target.
Why requirements differ by state
Each state sets its own rules for the minimum liability cover a driver must carry. Most states require it before you can register a car or renew your plates. A handful use a no-fault system that also requires personal injury protection, and two states let some drivers skip insurance if they post a bond instead.
The numbers behind a minimum
State minimums are usually written as three numbers, such as 25/50/25. They are the most your policy will pay in thousands of dollars.
Why the minimum is rarely enough
A single hospital visit or a newer car can blow past a low property or injury cap in one crash. Anything above the limit comes out of your own pocket. For most drivers, cover well above the state floor costs only a little more and protects a lot more.
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