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FAQ: Choosing Auto Insurance Coverage
How much auto insurance coverage is required in my state?
Whether you’re battling traffic on an LA freeway or cruising the back roads of Virginia,
you need auto insurance coverage. Just how much insurance you need varies, however. Each state has
different regulations governing auto insurance coverage, and your state’s department of insurance
determines the minimum coverage you must carry. When you get your free auto insurance quote from
Esurance, you will be shown the different kinds of mandatory and optional auto insurance coverage
available in your state.
At Esurance we know that you have better things to do with your time than figuring out the
differences between coverage requirements. That’s why we went ahead and did the dirty work for you.
During the quote process we link helpful coverage descriptions to each of the coverage names and we
also tell you whether the specific auto insurance coverage is required or optional.
Helpful hint: the lowest limit listed under mandatory coverage is typically your state's
minimum auto insurance coverage requirement.
Although saving money on your coverage may seem appealing at the outset, most auto
insurance companies advise against carrying only your state’s minimum requirements. If you’re
involved in a serious accident, your lower limits may not cover the accident’s costs! Esurance
offers several types of coverage at affordable rates, so you can find a policy that’s just right
for you. Generally, higher limits don’t cost much more than lower limits. If you’re involved in an
accident you’ll be glad you have the increased protection!
After you get your Esurance auto insurance quote, check out our Auto Insurance Learning
Center for state-specific information about your auto insurance coverage. We have a whole section
of our Esurance Insights dedicated to state auto insurance coverage requirements!
If you still have questions about your state’s auto insurance coverage requirements, get
in touch with one of our customer service representatives. The Esurance Customer Service Center is
open round-the-clock to answer your auto insurance questions, help you buy your auto insurance
policy, and get auto insurance claims resolved quickly.
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