Learning what auto insurance is required by law

By Compuquotes Team on March 27th, 2008

Auto Insurance

Having the proper auto insurance for your car is very important��� if you don't have the proper coverage then you can be subject to large fines and in some cases even jail time. To make things worse, the required level of auto insurance coverage varies from one state to the next. If you're moving to a new state or are getting your first vehicle in the state that you live in then you might not know exactly how much coverage you're going to need. Luckily this information is freely available for you, and all that you need to do to find it is simply know where to look.


In this information age, most things that you'll want to know can be learned about on the internet. This isn't to say, of course, that information on the internet can't be wrong or outdated; make sure that you check your information against several sources and that your sources are official if possible. Even websites that list insurance information from every state can become outdated, and you don't want to be driving around using bad information as the basis for your insurance coverage. If you aren't sure whether your information is as up-to-date as it could be, feel free to check it against offline sources.

Department of Motor Vehicles

Your local Department of Motor Vehicles will have all of the information that you need on insurance coverage. The driver's test preparation materials that they give out should have the information on the necessary amounts of auto insurance for your state, but if you can't find it then be sure to ask someone who works there. One of the biggest drawbacks to visiting the Department of Motor Vehicles for information such as this is that they are often quite busy and you might end up standing in line for a while just to ask a relatively simple question.

Insurance agents

Insurance agents are obviously in the business of selling insurance, so it's important to their livelihood to have the most current information on what auto insurance is required by state law. You should be able to find out the minimum level of coverage that is needed by asking your insurance agent or by contacting any agent and requesting a coverage quote. You can generally even find out this information from insurance company websites, as they will compute the minimum coverage required based upon your location. Just make sure that you consult an insurance agent that you trust to alleviate any fears that you might have of them trying to get you to buy more auto insurance than you actually need.

Local law enforcement

Other common sources of information concerning auto insurance is your local courthouse, police station, or sheriff's department. Because of their duty in upholding and trying cases of law, you'll be able to find the most up-to-date information as well as learn more about the penalties for not having the proper auto insurance in your state. You may also consult attorneys in your area who specialize in automotive case law as they will have the information that you want as well.

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