How to Check Minimum Auto Insurance Requirements

January 26, 2012

Before purchasing any auto insurance policy, you will need to know your states mandated minimum auto insurance requirements. Auto insurance laws vary form state to state so don't assume that you know without checking a reliable and reputable source on car insurance laws.

Understanding Minimum Car Insurance Numbers

Although most states follow different laws, most states recognize insurance in terms of a series of three numbers. For example you might see a series of numbers that look like this: 10/20/15.

10 – This first number signifies the maximum amount of money, in thousand of dollars that an insurance company will pay out for bodily injury.
20 – The second number signifies the maximum amount of money, in thousands of dollars that an insurance company will pay out for all bodily injuries.
15 – The third number signifies the maximum amount of money, in thousands of dollars that an insurance company will pay out for property damage.

Remember that these numbers signify the minimum amount for a particular state. It is your prerogative to choose a policy that will pay out more in the event of an accident. Medical expenses can reach in the thousands of dollars, so keep this in mind when you purchase a car insurance policy.

Tips On Finding Minimum Auto Insurance Requirements

You can do your own auto insurance requirement research online. If you choose to do so, make sure that you are linked to a reputable and accurate source. Government pages that have a URL ending in ".gov" are considered reliable.

A well-versed insurance agent who works for a reputable auto insurance company should be able to quote your states minimum car insurance requirements.