Auto
Auto + Home
Life
Home
Pet
Business
All types
If U own or drive a car, the question is rarely whether to have insurance, but how much coverage actually makes sense.
A single at-fault accident can cost tens of thousands of dollars in medical bills, repairs and legal exposure. Car insurance exists to keep one bad afternoon from becoming a financial crisis.
What you are actually protecting
Car insurance covers more than just your own vehicle. Liability coverage protects your income, savings and future earnings if U are found at fault for someone else's injuries or damage.
- Liability protects your assets, not just the other car
- Collision and comprehensive protect your own vehicle
- Medical payments and uninsured motorist coverage protect U personally, regardless of fault
State minimum vs full coverage
State minimum liability meets the legal requirement, but it often will not cover damage to your own car or a serious injury claim beyond a modest limit.
| Coverage level | Typical monthly cost | Best for |
|---|---|---|
| State minimum liability | $15–$35 | Meeting the legal requirement only |
| Full coverage | $100–$200+ | Financed cars or newer vehicles |
| Full coverage plus extras | $150–$250+ | Higher-value cars or drivers wanting maximum protection |
Swipe to see more →
See what U would actually pay
Compare real quotes from top providers in about two minutes. Free, no jargon.
Is it worth it for you specifically
If your car is financed, your lender requires full coverage anyway. If U own it outright, weigh the car's value against the cost of full coverage. Either way, liability coverage protecting your finances is worth carrying no matter what U drive.
