How To Buy Auto Insurance in 2024
Buying auto insurance is crucial to protect your car and is required by most states, but figuring out how to buy auto insurance is only the first step. At an average of $167 per month for full coverage, finding the cheapest car insurance requires comparing quotes and looking for discounts.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Jul 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most states require drivers to have a certain level of car insurance
- You can buy online car insurance or go through an insurance representative or independent broker
- There are many ways to save on coverage, but one of the most important steps is to compare car insurance quotes from as many companies as possible
Most states require buying car insurance before you can drive or register your car, but it can be confusing to choose the best car insurance with so many options on the market. From meeting the minimum auto insurance required by your state to figuring out which coverage you should skip, finding the cheapest car insurance takes a little research.
However, there are plenty of ways to simplify the process, including learning how to buy auto insurance online. Whether buying car insurance for the first time or just looking to switch car insurance companies, you can learn how to buy auto insurance below. Then, compare quotes with as many companies as possible to find the best policy for your car.
Determining the Types of Auto Insurance You Need
The first step in purchasing insurance is understanding how much car insurance coverage you need on your vehicle.
The table below shows the types and amounts of coverage each state requires. While some states only require bodily injury and property damage liability car insurance, others also require personal injury protection (PIP) insurance, medical payments (MedPay), and uninsured/underinsured motorist coverage.
Minimum Liability Auto Insurance Coverage Requirements by State
| States | Coverages | Limits |
|---|---|---|
| Alabama | Bodily injury and property damage liability | 25/50/25 |
| Alaska | Bodily injury and property damage liability | 50/100/25 |
| Arizona | Bodily injury and property damage liability | 15/30/10 |
| Arkansas | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/25 |
| California | Bodily injury and property damage liability | 15/30/5 |
| Colorado | Bodily injury and property damage liability | 25/50/15 |
| Connecticut | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/20 |
| Delaware | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/10 |
| Washington, D.C. | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/10 |
| Florida | Bodily injury and property damage liability, Personal injury protection (PIP) | 10/20/10 |
| Georgia | Bodily injury and property damage liability | 25/50/25 |
| Hawaii | Bodily injury and property damage liability, Personal injury protection (PIP) | 20/40/10 |
| Idaho | Bodily injury and property damage liability | 25/50/15 |
| Illinois | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/20 |
| Indiana | Bodily injury and property damage liability | 25/50/25 |
| Iowa | Bodily injury and property damage liability | 20/40/15 |
| Kansas | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/25 |
| Kentucky | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 |
| Louisiana | Bodily injury and property damage liability | 15/30/25 |
| Maine | Bodily injury and property damage liability, uninsured motorist, underinsured motorist, medical payments (MedPay) | 50/100/25 |
| Maryland | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/15 |
| Massachusetts | Bodily injury and property damage liability, Personal injury protection (PIP) | 20/40/5 |
| Michigan | Bodily injury and property damage liability, Personal injury protection (PIP) | 20/40/10 |
| Minnesota | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 30/60/10 |
| Mississippi | Bodily injury and property damage liability | 25/50/25 |
| Missouri | Bodily injury and property damage liability, uninsured motorist | 25/50/25 |
| Montana | Bodily injury and property damage liability | 25/50/20 |
| Nebraska | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| Nevada | Bodily injury and property damage liability | 25/50/20 |
| New Hampshire | Financial responsibility only | 25/50/25 |
| New Jersey | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 15/30/5 |
| New Mexico | Bodily injury and property damage liability, | 25/50/10 |
| New York | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/10 |
| North Carolina | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 30/60/25 |
| North Dakota | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/25 |
| Ohio | Bodily injury and property damage liability | 25/50/25 |
| Oklahoma | Bodily injury and property damage liability | 25/50/25 |
| Oregon | Bodily injury and property damage liability, Personal injury protection (PIP), uninsured motorist, underinsured motorist | 25/50/20 |
| Pennsylvania | Bodily injury and property damage liability, Personal injury protection (PIP) | 15/30/5 |
| Rhode Island | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/50/25 |
| South Carolina | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| South Dakota | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| Tennessee | Bodily injury and property damage liability | 25/50/15 |
| Texas | Bodily injury and property damage liability, Personal injury protection (PIP) | 30/60/25 |
| Utah | Bodily injury and property damage liability, Personal injury protection (PIP) | 25/65/15 |
| Vermont | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/10 |
| Virginia | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/20 |
| Washington | Bodily injury and property damage liability | 25/50/10 |
| West Virginia | Bodily injury and property damage liability, uninsured motorist, underinsured motorist | 25/50/25 |
| Wisconsin | Bodily injury and property damage liability, uninsured motorist, medical payments (MedPay) | 25/50/10 |
| Wyoming | Bodily injury and property damage liability | 25/50/20 |
As you can see, requirements for mandatory car insurance can be highly different from one state to the next. For this reason, you must know what you’re required to carry on your vehicle before buying car insurance. <
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Optional Types of Auto Insurance
Once you’ve learned the coverage you must carry, you should consider purchasing additional coverage on your vehicle for protection.
Liability only covers other individuals and their vehicles in the event of an accident. Therefore, you must purchase collision car insurance coverage if you want coverage for yourself and your car. Collision coverage will help if you’ve been in an accident and your vehicle has incurred damage. <
Similarly, comprehensive auto insurance will help you if your vehicle is damaged in a non-accident-related incident, such as inclement weather or theft.
You may think a liability policy sounds ideal for your vehicle, but you will have to pay for any damages to your car out of pocket. If you lease or finance a vehicle, you will likely be required to carry a full coverage auto insurance policy on your car that includes both comprehensive and collision coverage.
How to Buy Auto Insurance: Online or With a Representative
You can purchase a car insurance policy in a few different ways: online, with a captive insurance agent, or with an independent insurance broker.
More and more people are choosing to buy car insurance online. When you buy car insurance online, you may be able to receive insurance quotes, purchase your coverage, and print ID cards all at once. In this scenario, you do not need an insurance agent to buy a policy.
However, buying online may make it challenging to ask specific questions about car insurance discounts, coverage options, and more.
Buying car insurance with a captive agent allows you to have assistance from start to finish, allowing you to get answers to your questions more easily. But captive agents only work for one company, so you may not be getting the best deal on coverage for your vehicle.
If you choose to purchase insurance with the help of an independent broker, you should be able to find and compare quotes from multiple companies. But brokers often charge fees that could make this a less ideal option.
How to Buy Auto Insurance Online
If you’re interested in buying car insurance online, you should use an online quote tool to find and compare multiple car insurance quotes from many companies at once. While there aren’t any specific search engines for car insurance, online quote tools are a great way to find the best deal on coverage.
Once you’ve narrowed your search and decided on a few companies, you can see if any of them can offer you an even lower monthly or annual rate with car insurance discounts on coverage. Many insurance companies use a variety of discounts to help policyholders save money, and you could save as much as 20% on your coverage if you qualify for a discount.
After you’ve decided on an insurance company, you will need to get some information ready, like:
- Your driver’s license number
- Your social security number
- Your car’s make and model
- Your home address
- An estimate of how many miles you drive per week
- Information on your lease or loan, if applicable
- Names and social security numbers of anyone else who will be on the policy
The company you’ve chosen as your insurance provider may not ask for all the information listed above, but it’s a good idea to have it ready just in case.
Once you purchase your insurance policy, you should print your insurance ID cards and put them with your vehicle’s registration or in another safe location in your car.
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Car Insurance Companies With the Cheapest Rates
Whether you purchase car insurance through an agent or online, you want to know you’ve gotten the best deal.
The companies listed below often offer affordable insurance coverage:
- USAA auto insurance
- Geico auto insurance
- State Farm auto insurance
- Nationwide auto insurance
- Travelers auto insurance
- American Family auto insurance
- Progressive auto insurance
- Farmers auto insurance
- Allstate auto insurance
Before choosing an insurance provider, shop online and compare quotes from multiple companies to ensure you get the best coverage deal.
Choosing How to Buy Auto Insurance
If you own a car, you need insurance. At the very least, you must meet your state’s requirements in terms of liability coverage, but it’s good to purchase additional coverage if you can.
You can buy car insurance online or with an agent, but be sure to compare quotes from multiple companies so you know you’re not paying too much for coverage.
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Compare Quotes From Top Companies and Save
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.