Requirements and laws by state
Depending on the state you live in, you may be required to meet specified insurance coverage minimums for any vehicles you own.
For example, some states require uninsured motorist coverage, which protects you in the event you’re hit by an uninsured driver. This coverage can help pay any resulting medical, and in some cases, vehicle repair costs you may face.
Of course, you can choose to select higher coverage limits than what’s required and add optional coverages if you want more protection.
What kind of car insurance does my state require?
Want to learn more about a state’s specific auto insurance requirements? Choose a state to see a summary of the coverage requirements and some optional coverages to consider based on location.
When you get a car insurance quote, we’ll make sure you get the auto insurance coverage required where you live. Then, you can customize your coverage, so you only pay for what you need.
Common questions about auto insurance by state
Do all states require auto insurance?
No. If you live in Virginia or New Hampshire, you’re not required by law to have car insurance. It’s important to note however, that in the event you’re found at fault for an accident, you will be responsible for the cost of any resulting damages.
Even if you live somewhere with no insurance requirement, it’s still a good idea to consider getting insurance for your vehicle and most car owners who live in these states do to protect themselves financially and provide peace of mind.
Regardless of where you live, if you finance or lease your vehicle, you will most likely be required to carry insurance on your vehicle.
Why does the cost of auto insurance vary by state?
The cost of car insurance varies by state for a few reasons. Some of the most straightforward reasons are state-specific laws that dictate required insurance coverages or minimums that vehicle owners need to meet.
Some of the lesser-known reasons car insurance cost may vary from one state to another include severe weather-related risks, a state’s claims-to-litigation ratio, or that a state prohibits insurance companies from using specific driver information, such as age or gender, as a factor to determine rates.
Some common coverage disparities that you might see from state to state include Personal Injury Protection (PIP) coverage limits and uninsured motorist coverage.
How much does auto insurance cost in my state?
While the average cost of car insurance where you live can be a good indicator of how much you might pay, keep in mind that there are a variety of factors that will affect your cost.
Things that might affect your state-specific auto insurance rate include:
- The location you keep your vehicle
- Risk of severe weather-related damage
- The value of your vehicle
- The age of your vehicle
- The coverages you choose
- The deductible and limits you choose
Your state-specific auto insurance rate will not only depend on where you live, but also on your unique needs and preferences.
If you’re looking for ways to save on your car insurance, be sure to check out the many car insurance discounts offered at Liberty Mutual – no matter where you live.
To find out how much car insurance will cost where you live, get an auto insurance quote.
How do I get an auto insurance quote?
Getting an auto insurance quote is fast and easy. Just enter some basic information, including your ZIP code, the make and model of your vehicle, some basic information about you, and a few more details and we’ll take care of the rest.Start my car insurance quote