To insure a car in the United States, you typically need a valid driver's license, your vehicle's information (like the VIN), and your personal details. The absolute minimum requirement by law in almost every state is liability insurance, which covers injuries and damage you cause to others. However, most experts recommend going beyond the minimum to protect yourself financially.
The specific documents and information you should gather are:
- Driver's License: A valid license for all drivers who will be on the policy.
- Vehicle Identification Number (VIN): A unique 17-digit code found on your dashboard or driver's-side doorjamb.
- Vehicle Details: The car's make, model, year, and mileage.
- Personal Information: Your Social Security Number, date of birth, and address help determine your premium.
- Driving History: Be prepared to discuss any recent accidents, tickets, or violations.
While liability is the legal baseline, it's often insufficient. Full coverage insurance, which typically includes comprehensive and collision coverage, is highly advisable, especially if you have a car loan or lease. Comprehensive covers theft and damage from non-collision events (like hail or vandalism), while collision pays for damage to your own car in an accident.
Your insurance costs are influenced by many factors. The table below illustrates how state minimum liability requirements can vary significantly, showing why it's crucial to understand your local laws.
| State | Bodily Injury Liability per Person | Bodily Injury Liability per Accident | Property Damage Liability |
|---|
| Florida | $10,000 | $20,000 | $10,000 |
| California | $15,000 | $30,000 | $5,000 |
| New York | $25,000 | $50,000 | $10,000 |
| Texas | $30,000 | $60,000 | $25,000 |
| Pennsylvania | $15,000 | $30,000 | $5,000 |
| Alaska | $50,000 | $100,000 | $25,000 |
Ultimately, the best way to get insured is to shop around. Get quotes from at least three different companies, as prices can vary wildly for the exact same coverage.
