Auto insurance is mandatory if you own and drive a vehicle on public roads. This coverage assures you will have financial support when you cause an auto accident or suffer damage to your vehicle. Anyone in the US with a vehicle is required by law to have the minimum amount of coverage before legally driving on US public roads. Liability is the minimum amount of coverage available, but you can easily upgrade to more extensive coverage.

Types of Coverage

Depending on your coverage, insurance covers you and your vehicle in the event of an accident. If you have liability, then your insurance company will pay for damages that you cause in an auto accident. Comprehensive coverage pays if damage occurs from an event such as fire, theft or flooding. And Collision covers the vehicle if it is damaged by another vehicle or if you are the one who is at-fault.


Without auto insurance, you cannot legally drive your vehicle on public roads. If nothing else, make sure to get liability so you can legally operate your vehicle. If you are able to spend more, then look into the other options available.