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Coverage Levels Compared
| Coverage | Minimum | Basic | Standard | Full |
|---|---|---|---|---|
| Liability | State min | 50/100/50 | 100/300/100 | 250/500/250 |
| Collision | ✗ | ✗ | ✓ | ✓ |
| Comprehensive | ✗ | ✓ | ✓ | ✓ |
| Uninsured Motorist | If required | 50/100 | 100/300 | 250/500 |
| Est. Annual Premium | $400-900 | $700-1,200 | $1,100-1,800 | $1,500-2,500 |
| Risk Level | HIGH | MEDIUM | LOW | LOW |
Understanding Auto Insurance Coverage
Why State Minimums Aren't Enough
State minimum coverage is designed to meet legal requirements, not protect you financially. A serious accident can easily exceed $100,000 in damages. With minimum coverage of $25,000, you could be personally liable for the difference.
When to Choose Full Coverage
Full coverage (collision + comprehensive + high liability) is recommended if you have a newer vehicle worth over $15,000, are financing or leasing, or have significant assets that could be targeted in a lawsuit.