Car Insurance Laws

The truth is, you generally have to be covered by insurance in order to drive a vehicle or motorcycle in the United States. Many states require that you keep a minimum amount of auto insurance coverage for bodily injury and property damage liability, however, auto insurance laws differ from state to state. This means that if you move from Missouri to Alabama, it isn't safe to assume that you can keep the same exact auto insurance coverage. Some states include personal injury protection (PIP or no-fault) in their state minimums, others don't. The same can be said for uninsured/underinsured motorist protection.

At Direct Auto Insurance, our agents understand the insurance requirements that are specific to your state and can help you meet your state's financial responsibility requirements—no matter where you live. If we don't offer service in your area, we can quickly connect you with an auto insurance company that does.

Your state likely has laws that address the minimum required car insurance. A few, like New Hampshire, Arizona, and Virginia, offer alternative approaches to car insurance requirements that you'll definitely want to research before choosing.

Insurance rates and coverages can depend on more than just your state's laws. They can vary based on your driving history, the type and age of the vehicle you drive, your vehicle financing, and the amount of coverage you need, to name a few factors.

Where do you live and drive? Click on your state in the list below to learn about its auto insurance laws:

If you have more questions about auto insurance laws in your state and Direct Auto Insurance, feel free to contact us online or by phone at 1-877-GO-DIRECT (1-877-463-4732). You can also visit a Direct Auto location near you.