Car Insurance by State

Not all states have the same car insurance requirements or options. Find out what your state requires by clicking on the links below. For a free car insurance quote, request an online quote or call us at 1-800-207-7656.

If you'd like a free car insurance quote, contact Solo Insurance online, request a free quote, or call 1-800-207-7656. We always provide our best car insurance options to meet your stated needs and to protect you and your family.  We also offer non-owner coverage for people who don't own a vehicle and need help with an SR22.

Car Insurance Overview

Learn about car insurance including what it is and why you need it to protect yourself. 

What Is Car Insurance?

Car insurance helps protect you against financial loss if you are responsible for someone else's injuries or damages while driving your vehicle. It is a contract between you and the insurance company where you agree to pay the premium amount and, in turn, the insurance company agrees to help cover your losses as defined in your policy.  States require auto insurance to help protect people involved in accidents that aren't their fault. 

3 Key Components of Auto Insurance: Liability, Uninsured-Motorist and Medical/PIP

Car insurance required by a state is a bare minimum of liability-only coverage.  Liability in an auto insurance policy by definition cover unintentional damage to others while driving your vehicle for which you are liable (responsible).

Each state has its own requirements as to what it considers the minimum coverage allowable. Some, like Arkansas, Indiana or Ohio, may require only Liability. Others, Oklahoma or Missouri for instance, require Liability and Uninsured Motorist. Some states, like Kansas or Oregon, include Liability, Uninsured Motorist and Personal Injury Protection. So if you move into a new state, never assume it has the same requirements.

• Liability coverage helps pay for your legal responsibility to others for bodily injury or property damage.
• Uninsured-Motorist coverage helps pay for bodily injury damages to you caused by a driver who does not have car insurance.
• Medical/PIP [Personal Injury Protection] coverage helps pay for the cost of treating injuries.

The coverage limits you choose to carry can be from the basic, state-required limits up to hundreds of thousands of dollars. Beyond the minimum it's up to you to decide if you are trying to protect your assets in the event of a loss or simply trying to be legal while driving.  

Most car policies are for six month terms, sometimes a year. Your insurance company notifies you by mail when it's time to renew the policy with their new rate.  If you keep paying your premium, the coverage continues.

Why Do You Need Car Insurance?

It's the law.
It's also about protecting yourself financially.

• If you are responsible for damage or injury to others, paying a monthly premium to help cover it is well worth it.

• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
  

Questions To Ask Your Agent

Your Independent Agent is an advocate for finding car insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts.)
• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.

For the best driver and non-owner car insurance rates, contact Solo Insurance online, request a free quote, or call 1-800-207-7656.