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How much car insurance should you get?
What is a good amount of car insurance to get? I just got my license and my parents told me that I had to figure out insurance on my own. I don’t even know where to start.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Congrats on your license! The world is your oyster with this newfound freedom.
To understand how much car insurance you should get, read up on your state’s
minimum insurance requirements
. Once you define the coverage you need to get, you can start looking for the insurance you should get and how much you can afford.Here are three of the most common types of car insurance coverage:
- Liability coverage: This type of insurance is made of two main categories—bodily liability and property liability. Whilebodily liabilityhelps you cover medical bills for someone you’ve injured,property liabilityhelps you cover damage to their property.
- Collision coverage: This coverage will help you cover any damage to your car that resulted from an accident—whether or not you’re at fault. If you finance a car, your lender may require you to buy extra collision coverage.
- Comprehensive coverage: Comprehensive covers any non-incident damage to your vehicle. So if your car is vandalized or damaged in a storm, comprehensive will help you cover damages.
Once you’ve decided which
types of coverage
you want, start thinking about your budget. Gather quotes on the coverage you want from multiple providers to find a good rate.If you’d like more help with the insurance-shopping process, try
Jerry
. A licensed broker, the Jerry app can help you find and compare quotes from over 50 top providers for free. If you find a plan you like, Jerry can even help you buy it—no phone calls, paperwork, or headaches required!”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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