Nationwide Car Insurance Guide
Are you shopping for car insurance but don’t know where to start? We’ve all been there before – figuring out the details of auto insurance policies can be confusing, and it’s hard to tell which one is right for you.
That’s why we created this Nationwide Car Insurance Guide – so you can have all of the information you need in one place.
We’ll explain the options, explain how they work, and help you better understand your coverage selections. Keep reading if you’re ready to find a plan that fits your lifestyle.
What is Liability Car Insurance?
Liability car insurance protects you from being held financially responsible for injuries or damage to another person’s property caused by an accident that is your fault.
Liability insurance covers the costs of medical expenses, legal fees, and damages that you may be found liable for. The coverage depends on the state where you live and how much coverage you have purchased.
Coverage
Typically, liability insurance provides coverage for bodily injury and property damage up to a specific limit, usually stated as three numbers, such as 25/50/15.
What Are Those Numbers On My Auto Insurance Policy?
15/20/5
15/20/5 is a type of insurance coverage. It stands for 15,000 dollars worth of bodily injury liability per person injured in an accident, 20,000 dollars worth of bodily injury liability per accident, and 5,000 dollars worth of property damage liability. This type of coverage is typically required by law if you want to drive in a state.
100/300/50
100/300/50 is a liability insurance limit indicating the maximum coverage an insurer will provide for bodily injury and property damage per accident. The first two numbers – 100/300 – refer to the limits of bodily injury coverage, which are expressed in thousands of dollars.
The last number – 50 – refers to the limit for property damage coverage, expressed in thousands of dollars. Thus, the 100/300/50 insurance limit means that an insurer will provide a maximum of $100,000 per person for any bodily injuries resulting from an accident and a maximum of $300,000 total for all persons injured in an accident.
25/50/15
These numbers represent the minimum required limits of liability insurance coverage that you must have in order to drive a vehicle in most states legally.
Twenty-five stands for $25,000 bodily injury coverage per person; 50 stands for $50,000 bodily injury coverage per accident; and 15 for $15,000 property damage per accident.
Having this minimum level of coverage protects you from liability in the event that you cause bodily injury or property damage in an automobile accident.
It is important to note that this coverage does not protect your personal injuries or car repairs. Therefore, if you are found to be at fault in an automobile accident, it is a good idea to have additional insurance coverage to protect yourself.
In some cases, this additional coverage may include medical payments coverage, uninsured motorist coverage, and/or collision insurance. It is important to check with your local Department of Motor Vehicles (DMV) for information on specific laws related to automobile insurance requirements in your area.
It is important to check with your insurance provider to make sure you are adequately covered in case of an accident. Furthermore, different states may have minimum requirements that must be met when selecting liability insurance coverage.
Car Insurance Varies by State
| Alabama | Kentucky | North Carolina |
| Alaska | Louisiana | North Dakota |
| Arizona | Maine | Ohio |
| Arkansas | Maryland | Oklahoma |
| California | Massachusetts | Oregon |
| Colorado | Michigan | Pennsylvania |
| Connecticut | Minnesota | Rhode Island |
| Delaware | Mississippi | South Carolina |
| Florida | Missouri | South Dakota |
| Georgia | Montana | Tennessee |
| Hawaii | Nebraska | Texas |
| Idaho | Nevada | Utah |
| Illinois | New Hampshire | Vermont |
| Indiana | New Jersey | Virginia |
| Iowa | New Mexico | Washington |
| Kansas | New York | West Virginia |
| Wisconsin | Wyoming |
How Much is Car Insurance a Month?
The amount of car insurance you need and the cost of your policy depends on several factors, like where you live, your age, the type of car you drive, and more. Your monthly premium could range widely depending on these details.
To better understand how much car insurance costs each month, we recommend getting quotes from multiple car insurance companies and comparing the coverage and cost to determine the best fit for your budget.
Additionally, you can check with your state’s department of motor vehicles (DMV) website to find information about the minimum car insurance required in your area.
