State minimum auto insurance is the lowest level of coverage your state allows to legally drive. It usually includes liability coverage (bodily injury and property damage), but it typically does not pay for your own vehicle repairs.
What state minimum usually includes
- Bodily injury liability
- Property damage liability
What state minimum usually doesn’t include
- Collision and comprehensive
- Rental reimbursement
- Roadside assistance
When state minimum may make sense
- You have an older paid-off car
- You need the lowest possible premium
- You only need legal compliance
Important note
State minimum coverage can leave you exposed if damages exceed your limits. Many drivers choose higher liability limits for better protection.
Compare state minimum quotes with Insurabind
Use Insurabind to compare state minimum car insurance quotes from carriers like Progressive, GEICO, Allstate, Nationwide, State Farm, Liberty Mutual, Farmers, Direct Auto and more (availability varies). Or call 1-888-895-0417.
FAQs
Q: Is state minimum the cheapest option?
A: Often yes, but not always.
Q: Does it cover my car?
A: Usually no.
Q: Can I increase limits above minimum?
A: Yes—and it may be worth it.
Coverage Guides
Leased Car Insurance Requirements: https://insurabind.com/leased-car-insurance-requirements/
Insurance for Financed Cars: https://insurabind.com/financed-car-insurance-requirements/
Full Coverage vs Liability (Quotes Hub): https://insurabind.com/car-insurance-quotes/
Cheap Auto Insurance Quotes: https://insurabind.com/cheap-auto-insurance-quotes/
Auto Insurance Quote Guide: https://insurabind.com/auto-insurance-quote-guide/
Classic Car Insurance Explained: https://insurabind.com/classic-car-insurance/