When people ask, “How much car insurance do I actually need?” they’re usually hoping for a simple number. But the truth is, it depends. It depends on your lifestyle, your budget, and what you’re trying to protect.
Car insurance isn’t one-size-fits-all. A single driver with an older SUV doesn’t need the same coverage as a family with a new truck and two teenagers on the policy. The key is to buy enough protection for what you’ve worked for, not just what you drive.
If an accident happens, liability coverage pays for the other person’s injuries and property damage. It’s the backbone of your policy. The right amount depends on how much you own, including your house, savings, income, and other assets.
For most people, limits of $250,000 / $500,000 / $250,000 (or a single combined limit of $500,000) offer solid protection. That might sound high, but with the cost of vehicles, medical care, and lawsuits today, it’s not overdoing it…it’s being realistic.
Why the Cheapest Policy Can Cost You More
Yes, you can find cheaper options online. But the lowest-cost policy usually means the lowest protection and that’s what you’ll feel most when something goes wrong.
You’re not just buying a piece of paper. You’re buying peace of mind. The right coverage keeps a minor accident from turning into a major financial problem.
The Big Three Coverage Types:
Every driver should consider carrying these three essentials:
- Liability Coverage – Protects you financially if you’re at fault.
- Comprehensive Coverage – Covers damage from theft, hail, fire, or falling branches (basically, anything other than a crash).
- Collision Coverage – Repairs or replaces your car if you hit another vehicle or object.
If you can check all three boxes, you’ve got “full coverage”…and full confidence.
Two optional coverages worth every penny:
- Uninsured/Underinsured Motorist (UM/UIM): Protects you if the other driver doesn’t have enough insurance.
- Medical Payments (MedPay): Helps pay medical bills for you and your passengers, no matter who’s at fault.
They’re both affordable and often overlooked until you need them.
How much car insurance you need depends on what you want to protect and what you can afford to lose.
If you’re not sure where to start, our team can help make sense of it all. Schedule a call with our Service Team.
Because the best car insurance policy isn’t the cheapest one, it’s the one that keeps you covered when life hits you out of nowhere.
