Most states require drivers to have auto insurance that includes several types of coverage. However, the specifics and minimum limits depend on the state.
Minimum car insurance requirements can affect your premiums and they vary by state. Here's a breakdown of the coverage you need in every state, which states have a mandatory or optional no-fault approach to claims and the average annual cost for a full coverage policy.
The list below shows the minimum requirements for each state. You might want to purchase more based on your financial situation and driving habits, and you may need to purchase more coverage if you have an auto loan or lease.
No, Alabama is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Alabama?
The average annual cost for a full coverage policy in Alabama is $2,082.
Coverage
Minimum Required
Bodily injury liability
$50,000 per person
$100,000 total per accident
Property damage liability
$25,000 per accident
Is Alaska a No-Fault State?
No, Alaska is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Alaska?
The annual cost for a full coverage policy in Alaska can depend on many factors, including the types of coverage and coverage limits. Residents in some remote areas don't even need to have car insurance unless they got a ticket that added six or more points to their record during the last five years.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$15,000 per accident
Is Arizona a No-Fault State?
No, Arizona is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Arizona?
The average annual cost for a full coverage policy in Arizona is $2,527.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Is Arkansas a No-Fault State?
No, Arkansas is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses. However, Arkansas is one of the few at-fault states where you can choose to add personal injury protection (PIP) coverage to your policy.
How Much Does Car Insurance Cost in Arkansas?
The average annual cost for a full coverage policy in Arkansas is $2,439.
Coverage
Minimum Required
Bodily injury liability
$30,000 per person
$60,000 total per accident
Property damage liability
$15,000 per accident
Is California a No-Fault State?
No, California is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in California?
The average annual cost for a full coverage policy in California is $3,215.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$15,000 per accident
Is Colorado a No-Fault State?
No, Colorado is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Colorado?
The average annual cost for a full coverage policy in Colorado is $2,780.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is Connecticut a No-Fault State?
No, Connecticut is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Connecticut?
The average annual cost for a full coverage policy in Connecticut is $3,429.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$10,000 per accident
Personal injury protection
$15,000 per person
$30,000 total per accident
Is Delaware a No-Fault State?
No, Delaware is an at-fault state. However, drivers are required to have PIP coverage and your policy may cover your (and your passengers') medical expenses and lost wage claims. If you weren't at fault, your insurance company might try to get reimbursed by the other driver's insurer.
How Much Does Car Insurance Cost in Delaware?
The average annual cost for a full coverage policy in Delaware is $2,789.
Coverage
Minimum Required
Property damage liability
$10,000 per accident
Personal injury protection
$10,000 per person
Is Florida a No-Fault State?
Yes, Florida is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in Florida?
The average annual cost for a full coverage policy in Florida is $2,931.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
50,000 total per accident
Property damage liability
$25,000 per accident
Is Georgia a No-Fault State?
No, Georgia is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Georgia?
The average annual cost for a full coverage policy in Georgia is $3,246.
Coverage
Minimum Required
Bodily injury liability
$20,000 per person
$40,000 total per accident
Property damage liability
$10,000 per accident
Personal injury protection
$10,000 per person
Is Hawaii a No-Fault State?
Yes, Hawaii is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in Hawaii?
The annual cost for a full coverage policy in Hawaii depends on different factors, including the vehicle, coverage types and coverage amounts.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$15,000 per accident
Is Idaho a No-Fault State?
No, Idaho is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Idaho?
The average annual cost for a full coverage policy in Idaho is $1,452.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$20,000 per accident
Uninsured bodily injury
$25,000 per person
$50,000 total per accident
Is Illinois a No-Fault State?
No, Illinois is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Illinois?
The average annual cost for a full coverage policy in Illinois is $2,166.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Is Indiana a No-Fault State?
No, Indiana is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Indiana?
The average annual cost for a full coverage policy in Indiana is $2,044.
Coverage
Minimum Required
Bodily injury liability
$20,000 per person
$40,000 total per accident
Property damage liability
$15,000 per accident
Is Iowa a No-Fault State?
No, Iowa is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Iowa?
The average annual cost for a full coverage policy in Iowa is $1,774.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Personal injury protection
$4,500 per person
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is Kansas a No-Fault State?
Yes, Kansas is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in Kansas?
The average annual cost for a full coverage policy in Kansas is $2,277.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Alternative combined limit for bodily injury and property damage liability
$60,000 in total coverage
Personal injury protection
$10,000 per person
Is Kentucky a No-Fault State?
Kentucky is a choice no-fault state. You can choose to purchase auto insurance with PIP and be part of the no-fault system. Or, you can opt out in writing, purchase insurance without a PIP and hold the at-fault driver responsible for relevant claims after an accident.
How Much Does Car Insurance Cost in Kentucky?
The average annual cost for a full coverage policy in Kentucky is $2,793.
Coverage
Minimum Required
Bodily injury liability
$15,000 per person
$30,000 total per accident
Property damage liability
$25,000 per accident
Is Louisiana a No-Fault State?
No, Louisiana is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Louisiana?
The average annual cost for a full coverage policy in Louisiana is $3,080.
Coverage
Minimum Required
Bodily injury liability
$50,000 per person
$100,000 total per accident
Property damage liability
$25,000 per accident
Alternative combined limit for bodily injury and property damage liability
$125,000 in total coverage
Medical payments (MedPay)
$2,000 per person
Uninsured/underinsured bodily injury
$50,000 per person
$100,000 total per accident
Is Maine a No-Fault State?
No, Maine is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Maine?
The average annual cost for a full coverage policy in Maine is $1,211.
Coverage
Minimum Required
Bodily injury liability
$30,000 per person
$60,000 total per accident
Property damage liability
$15,000 per accident
Uninsured/underinsured bodily injury
$30,000 per person
$60,000 total per accident
Uninsured/underinsured property damage
$15,000 per accident
Alternative combined limit for uninsured bodily injury and property damage liability
$75,000 in total coverage
Is Maryland a No-Fault State?
No, Maryland is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses. However, Maryland is one of the few at-fault states where you can choose to add PIP coverage to your policy.
How Much Does Car Insurance Cost in Maryland?
The average annual cost for a full coverage policy in Maryland is $4,122.
Coverage
Minimum Required
Bodily injury liability
$20,000 per person
$40,000 total per accident
Property damage liability
$5,000 per accident
Personal injury protection
$8,000 per person
Uninsured bodily injury
$20,000 per person
$40,000 total per accident
Is Massachusetts a No-Fault State?
Yes, Massachusetts is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in Massachusetts?
The average annual cost for a full coverage policy in Massachusetts is $3,311.
Coverage
Minimum Required
Bodily injury liability
$50,000 per person
$100,000 total per accident
Property damage liability
$10,000 per accident outside Michigan
Property protection (PPI)
$1 million inside Michigan
Personal injury protection
$0 to unlimited
Is Michigan a No-Fault State?
Yes, Michigan is a no-fault state. However, unlike other states, Michigan allows insurance companies to offer six levels of PIP coverage to drivers. You may be able to purchase up to unlimited coverage, or opt out to save on premiums if you have Medicare Parts A and B.
How Much Does Car Insurance Cost in Michigan?
The average annual cost for a full coverage policy in Michigan is $3,340.
Coverage
Minimum Required
Bodily injury liability
$30,000 per person
$60,000 total per accident
Property damage liability
$10,000 per accident
Personal injury protection
$40,000 ($20,000 for medical and $20,000 for non-medical expenses)
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is Minnesota a No-Fault State?
Yes, Minnesota is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in Minnesota?
The average annual cost for a full coverage policy in Minnesota is $2,056.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Is Mississippi a No-Fault State?
No, Mississippi is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Mississippi?
The average annual cost for a full coverage policy in Mississippi is $2,235.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Uninsured bodily injury
$25,000 per person
$50,000 total per accident
Is Missouri a No-Fault State?
No, Missouri is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Missouri?
The average annual cost for a full coverage policy in Missouri is $2,332.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$20,000 per accident
Is Montana a No-Fault State?
No, Montana is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Montana?
The average annual cost for a full coverage policy in Montana is $2,079.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured bodily injury
$25,000 per person,
$50,000 total per accident
Is Nebraska a No-Fault State?
No, Nebraska is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Nebraska?
The average annual cost for a full coverage policy in Nebraska is $2,361.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$20,000 per accident
Is Nevada a No-Fault State?
No, Nevada is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Nevada?
The average annual cost for a full coverage policy in Nevada is $3,217.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Medical payments (MedPay)
$1,000 per person
Uninsured bodily injury
$25,000 per person
$50,000 total per accident
You may show proof of financial responsibility instead of purchasing insurance
N/A
Is New Hampshire a No-Fault State?
No, New Hampshire is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses. It's one of the only states that doesn't require every driver to have auto insurance. However, if you don't have auto insurance, you may need to send the department of motor vehicles a refundable deposit of cash or securities that cover the minimum insurance amount.
How Much Does Car Insurance Cost in New Hampshire?
The average annual cost for a full coverage policy in New Hampshire is $1,278
Coverage
Minimum for Standard Policy
Minimum for Basic Policy
Bodily injury liability
$25,000 per person
$50,000 total per accident
$0
Property damage liability
$25,000 per accident
$5,000
Personal injury protection
$15,000
$15,000
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
N/A
Uninsured/underinsured property damage
$25,000 per accident
N/A
Is New Jersey a No-Fault State?
New Jersey is a choice no-fault state. Every auto policy must include PIP coverage, and the driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
Additionally, drivers can choose a limited or unlimited right to sue the at-fault driver for other damages, such as pain and suffering after an accident. Basic policies are only available with a limited right to use. With the standard policy, you can choose either the limited or unlimited right to sue. The unlimited option allows you to sue in more situations, but it may also lead to higher premiums.
How Much Does Car Insurance Cost in New Jersey?
The average annual cost for a full coverage policy in New Jersey is $3,012.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$10,000 per accident
Is New Mexico a No-Fault State?
No, New Mexico is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in New Mexico?
The average annual cost for a full coverage policy in New Mexico is $2,164.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
$50,000 if one person dies
$100,000 if two or more people die
Property damage liability
$10,000 per accident
Personal injury protection
$50,000 per person
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is New York a No-Fault State?
Yes, New York is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in New York?
The average annual cost for a full coverage policy in New York is $3,547.
Coverage
Minimum Required
Bodily injury liability
$30,000 per person
$60,000 total per accident
Property damage liability
$25,000 per accident
Is North Carolina a No-Fault State?
No, North Carolina is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in North Carolina?
The average annual cost for a full coverage policy in North Carolina is $1,899.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Personal injury protection
$30,000 per person
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is North Dakota a No-Fault State?
Yes, North Dakota is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in North Dakota?
The average annual cost for a full coverage policy in North Dakota is $2,896.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Is Ohio a No-Fault State?
No, Ohio is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Ohio?
The average annual cost for a full coverage policy in Ohio is $2,246.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Is Oklahoma a No-Fault State?
No, Oklahoma is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Oklahoma?
The average annual cost for a full coverage policy in Oklahoma is $2,186.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$20,000 per accident
Personal injury protection
$15,000 per person
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is Oregon a No-Fault State?
No, Oregon is an at-fault state, and the person responsible for an accident will be responsible for most of the damages. However, unlike most at-fault states, Oregon requires you to have personal injury protection coverage. Each driver's PIP will cover the medical expenses for that driver and their passengers.
How Much Does Car Insurance Cost in Oregon?
The average annual cost for a full coverage policy in Oregon is $2,030.
Coverage
Minimum Required
Bodily injury liability
$15,000 per person
$30,000 total per accident
Property damage liability
$5,000 per accident
Personal injury protection
$5,000 per person
Is Pennsylvania a No-Fault State?
Pennsylvania is a choice no-fault state, and you can choose a policy with a limited or full right to sue the at-fault driver after an accident. Every auto policy must include PIP coverage, and the driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident. However, depending on your policy and the situation, you may sue the at-fault driver for damages related to pain and suffering, emotional distress or permanent scarring.
How Much Does Car Insurance Cost in Pennsylvania?
The average annual cost for a full coverage policy in Pennsylvania is $2,481.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Alternative combined limit for bodily injury and property damage liability
$75,000 in total coverage
Is Rhode Island a No-Fault State?
No, Rhode Island is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Rhode Island?
The average annual cost for a full coverage policy in Rhode Island is $2,537.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Uninsured bodily injury
$25,000 per person
$50,000 total per accident
Is South Carolina a No-Fault State?
No, South Carolina is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in South Carolina?
The average annual cost for a full coverage policy in South Carolina is $3,143.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured bodily injury
$25,000 per person
$50,000 total per accident
Is South Dakota a No-Fault State?
No, South Dakota is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses. However, South Dakota is also one of the few at-fault states where you can choose to add PIP coverage to your policy.
How Much Does Car Insurance Cost in South Dakota?
The average annual cost for a full coverage policy in South Dakota is $1,661.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Is Tennessee a No-Fault State?
No, Tennessee is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Tennessee?
The average annual cost for a full coverage policy in Tennessee is $2,266.
Coverage
Minimum Required
Bodily injury liability
$30,000 per person
$60,000 total per accident
Property damage liability
$25,000 per accident
Is Texas a No-Fault State?
No, Texas is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses. Texas also includes personal injury protection on policies by default, but you can request a policy without PIP or just medical payments coverage instead.
How Much Does Car Insurance Cost in Texas?
The average annual cost for a full coverage policy in Texas is $2,686.
Coverage
Minimum Required
Bodily injury liability
$30,000 per person
$65,000 total per accident
Property damage liability
$25,000 per accident
Personal injury protection
$3,000 per person
Is Utah a No-Fault State?
Yes, Utah is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
How Much Does Car Insurance Cost in Utah?
The average annual cost for a full coverage policy in Utah is $2,253.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$10,000 per accident
Uninsured/underinsured bodily injury
$50,000 per person
$100,000 total per accident
Uninsured/underinsured property damage
$10,000
Alternatively, file evidence of $115,000 in savings that you can use for self-insurance
N/A
Is Vermont a No-Fault State?
No, Vermont is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Vermont?
The average annual cost for a full coverage policy in Vermont is $1,103.
Coverage
Minimum Required
Bodily injury liability
$50,000 per person
$100,000 total per accident
Property damage liability
$25,000 per accident
Is Virginia a No-Fault State?
No, Virginia is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Virginia?
The average annual cost for a full coverage policy in Virginia is $2,636.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$10,000 per accident
Alternatively, have a qualifying certificate of deposit, liability bond or proof of self-insurance
N/A
Is Washington a No-Fault State?
No, Washington is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses. Washington is also one of the few at-fault states where you can choose to add PIP coverage to your policy.
How Much Does Car Insurance Cost in Washington?
The average annual cost for a full coverage policy in Washington is $3,003.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$10,000 per accident
Uninsured/underinsured bodily injury
$50,000 per person
$100,000 total per accident
Uninsured/underinsured property damage
$5,000
Is Washington, D.C., a No-Fault District?
No, Washington, D.C., is an at-fault district. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Washington, D.C.?
The average annual cost for a full coverage policy in Washington, D.C., is $2,909.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$25,000 per accident
Uninsured bodily injury
$25,000 per person
$50,000 total per accident
Uninsured property damage
$25,000
Is West Virginia a No-Fault State?
No, West Virginia is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in West Virginia?
The average annual cost for a full coverage policy in West Virginia is $2,118.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$10,000 per accident
Uninsured bodily injury
$25,000 per person
$50,000 total per accident
Is Wisconsin a No-Fault State?
No, Wisconsin is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Wisconsin?
The average annual cost for a full coverage policy in Wisconsin is $1,837.
Coverage
Minimum Required
Bodily injury liability
$25,000 per person
$50,000 total per accident
Property damage liability
$20,000 per accident
Is Wyoming a No-Fault State?
No, Wyoming is an at-fault state. The person responsible for an accident will also be responsible for both parties' medical expenses.
How Much Does Car Insurance Cost in Wyoming?
The average annual cost for a full coverage policy in Wyoming is $2,079.
How Does Car Insurance Work?
Car insurance policies generally contain several types of coverage that will apply to different accidents and injuries. Here's a quick look at how they work and what they cover.
States require policies to include certain types of coverage within minimum limits, which are listed above. However, you can pay a higher premium to get higher coverage limits and additional types of coverage.
Liability Coverage
States generally require you to have liability coverage, which can help cover other people's expenses if you cause an accident.
In at-fault states, this is the part of the policy that will cover the other person's medical expenses. In both at-fault and no-fault states, your liability coverage covers damage to the other person's vehicle or property.
Personal Injury Protection Coverage
No-fault states require drivers to have PIP coverage, and a few at-fault states offer it as an optional additional.
If you're in an accident and you or your passengers are injured, you'll file a claim with your insurance company and your PIP coverage can help cover the medical expenses. Some states prefer this no-fault approach because each party deals with their insurance company rather than filing claims or lawsuits against other drivers.
PIP may also cover other expenses, such as lost wages if you can't work and funeral expenses if someone dies.
Medical Payments Coverage
MedPay coverage usually isn't required, but it's an optional option that can help cover medical expenses regardless of who is at fault in an accident. You might want this coverage if you don't have health insurance or you're worried about your health insurance deductibles, copays or were denied coverage. MedPay may also cover funeral expenses. But unlike PIP, it generally doesn't cover lost wages.
Uninsured or Underinsured Motorist Bodily Injury
Uninsured motorist (UM) coverage can help cover your expenses if you're in an accident with someone who doesn't have insurance. Many states require auto policies to include UM.
Underinsured motorists (UIM) coverage can help you if your expenses exceed the other person's coverage limits. Fewer states require UIM than UM.
Collision and Comprehensive Coverage
If you have an auto loan or lease, you also generally have to buy collision and comprehensive coverage. Collision insurance covers damage to your vehicle if you're in an accident. Comprehensive insurance covers damage to your vehicle that isn't the result of an accident, such as damage from certain natural disasters, along with theft and vandalism claims.
Additional Coverage Options
You may also want to purchase add-ons and additional types of insurance, such as:
Rental reimbursement: This can help cover the cost of renting a vehicle while yours is getting repaired.
Guaranteed asset protection (gap):Gap insurance can cover the difference if you have a loan or lease, your vehicle is totaled and you owe more than the market value.
Roadside assistance: This coverage can offer assistance if you get a flat tire, run out of gas or electricity, lock your keys in your car or need a tow.
How to Get Car Insurance
You can get car insurance by figuring out what types of coverage you want. Then, gather quotes from different insurance companies and compare the premiums to find out who offers the best value. Make sure the coverage types, amounts and deductibles are the same so you're getting a true comparison.
Alternatively, you can use Experian's car insurance comparison tool to enter your vehicle's information and quickly gather and compare quotes from dozens of top insurance companies. You can even change your coverage limits to see how that affects your quotes from each company.
Stop overpaying for insurance
Answer some questions about your current plan and get matched to personalized quotes.
We’ll show you offers from our top insurance carriers and help you shop for better rates in the future.
From switching your policy to canceling and requesting a partial refund on your old plan, we help you do it all.
Consider the consequences of these changes before altering your policy. For example, increasing your deductible or removing optional coverage might save you money now, but you'll want to have savings set aside in case you need to file a claim.
Getting an auto insurance policy that only meets the minimum requirements can help you save money on premiums. But it can also be costly if you get in an accident and need to file a claim, and some states advise drivers to purchase more than the minimum. You might want to focus on how much coverage you want and then look for alternative ways to save money.
Regularly checking for new quotes from several car insurance companies can also help you save money without compromising on coverage. You don't necessarily need to do this frequently—once or twice a year might be a good routine. Experian's car insurance comparison tool also continuously gathers quotes and can notify you if it finds a better price for similar coverage.
Don’t overpay for auto insurance
If you’re looking for ways to cut back on monthly costs, it could be a good idea to see if you can save on your auto insurance.
Louis DeNicola is freelance personal finance and credit writer who works with Fortune 500 financial services firms, FinTech startups, and non-profits to teach people about money and credit. His clients include BlueVine, Discover, LendingTree, Money Management International, U.S News and Wirecutter.
