When it comes to auto insurance coverage, the minimum amount of coverage you need varies by state, but the most common minimum limits for liability are $25,000 per person and $50,000 per accident for bodily injury and $25,000 for physical damage. Liability insurance is the main mandated coverage, and it covers damage and injuries you cause to others. Depending on where you live, you may be required to buy additional types of coverage, such as uninsured motorist coverage, personal injury protection, or medical payments coverage. Drivers who lease or finance their vehicles are usually required to buy collision and comprehensive insurance.

Here are some types of coverage you may want to consider:

• Liability car insurance: This covers damage and injuries you cause to others. For extra liability insurance above your base auto and home insurance policies, consider getting an umbrella insurance policy.
• Collision and comprehensive insurance: These two coverage types pay for damage to your own vehicle, regardless of who is at fault. Collision coverage pays out when your car crashes with another one, while comprehensive coverage pays for damage to your car from situations outside your control, like vandalism, theft, or a deer collision.
• Uninsured/underinsured motorist coverage: This covers you if youre in an accident with someone who doesnt have insurance or doesnt have enough insurance to cover the damages.
• Personal injury protection (PIP): This covers medical expenses and lost wages for you and your passengers if youre injured in an accident, regardless of who is at fault.
• Medical payments coverage: This covers medical expenses for you and your passengers if youre injured in an accident, regardless of who is at fault.
• Gap insurance: This covers the difference between the value of your car and the balance of your car loan if your vehicle is totaled.

Its important to note that while your state probably requires a minimal amount of auto insurance cover...