How much car insurance should I carry?

I am about to purchase my first car, and I am not sure what type of insurance is right for me. How much car insurance should I carry?

Congrats on the purchase of your first car! It can be very overwhelming to figure out what car insurance you need, so here’s a breakdown of what to consider.
Most states require a minimum liability insurance to legally drive your car. This differs by state, so be sure to check the requirements in your home state.
Keep in mind that liability insurance doesn’t cover you or your vehicle, so it’s a good idea to invest in some more coverage. For example, collision insurance will cover you and your car in an at-fault accident, and comprehensive coverage protects you from damage sustained in a non-collision event.
Insurance can be expensive, and all the additions can add up. However, fixing your vehicle after an accident can be hugely expensive, and having the proper insurance will mitigate this risk.
If you need help making these major insurance decisions, download insurance broker Jerry. This free app demystifies insurance shopping with speedy sign-up and dozens of personalized quotes! Jerry’s knowledgeable agents can answer any questions you might have about coverage!
melanie reiff
Answered on Oct 27, 2021

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