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Will Minimum Car Insurance Coverage Really Save You Money?

Buying only state minimum car insurance can be tempting. Minimum auto insurance coverage, which usually includes just liability coverage, costs less. It may seem like a great way to save money, until you consider the potential out-of-pocket repair costs of even a minor fender bender. Read on to learn whether minimum coverage is right for you.

The real cost of state minimum car insurance

While payments for state minimum coverage may be less in the short-term, consider the long-term costs. Even if you're a safe driver, accidents happen. And even a small fender bender can cost thousands of dollars in repairs.

Liability coverage - the minimum car insurance required in most states - helps pay for damages suffered by others if you're at fault. You'll pay out-of-pocket for damage to your own car if you do not purchase collision coverage.

Even if you’re not at fault for an accident, you could still be on the hook for expensive car repairs. For example, this can happen if you're struck by an uninsured or underinsured motorist.

How to determine the coverage you need

Use our guide to determine how much insurance coverage you need. Also talk with an agent about insurance that provides the right amount of protection.

State minimum car insurance requirements exist to protect other drivers. It’s up to you to protect yourself, your loved ones and your wallet with car insurance coverage.

The provided information and safety suggestions were obtained from sources believed to be reliable and is intended for informational purposes only. Titan and its affiliates assume no liability in connection with providing it or your use of it. Your circumstances may not warrant or require some or all of the safety suggestions, and there may be additional available safety procedures that are not referenced on this webpage.

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Titan Insurance, design, superhero and Savings without the Sacrifice are service marks of THI Holdings (Delaware), Inc. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. Price based on March 2010 analysis of available national data for liability-only policies. Subject to underwriting guidelines, review and approval.

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