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When Do You Need More Than State Minimum Auto Insurance?

By June 27, 2017September 23rd, 2021Insurance, Personal Insurance

girl in a car
Auto insurance provides financial peace of mind to anyone who owns a vehicle. It also helps protect other drivers on the road.

Most states have a minimum auto liability insurance requirement. This type of coverage protects other drivers in the event you cause an accident that leads to their loss. The state-required coverage is liability insurance, not protection for your vehicle specifically. In most cases, the basic level required is minimal, inexpensive, and very rarely enough.

Every State Is Different

States differ in the amount and type of car insured required. Most states will require a specific amount for bodily injury and property damage. Coverage per accident and per person is often listed. This type of coverage may help to cover:

  • The other person’s medical bills
  • Damage to another person’s car
  • Damage to another person’s property


State minimums almost never cover your possessions at all. Coverage in some states is as low as just $25,000 per individual or $50,000 per accident. Is that enough to give you peace of mind?

Consider Your Financial Responsibility

If an accident occurs, how much damage could you afford to pay for out of pocket? Today, some vehicles are worth well over $30,000. Medical bills for even minor claims can be worth several thousand dollars. More so, if you strike more than one person, the costs add up.

It is common to pay significantly out-of-pocket because of the losses from an accident. The other party could come after your home or other assets to pay for these losses.

How Much Is Enough?

It is important to speak to your auto insurance agent for clarity on the type and amount of coverage right for you.

Many times, policies of over $100,000 per accident are a good starting point. Your agent can work with you to understand the likely risks you face and the average amount of damage for accidents in your area. This can help you to make a better decision.

Having at least minimally required auto insurance is important. But, it is rarely enough. Work with your car insurance carrier to ensure you have proper protection not only in liability coverage, but also to protect your vehicle. Adding a significant amount of additional coverage does not have to cost much more. It will provide peace of mind.

Miller’s Insurance Agency, Inc. can help you get West Chester auto insurance to meet your unique needs. One of our agents is standing by to help you get a fast, free quote right now. Call us at (610) 269-4500 for more information.

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