Skip to content

How Much Auto Insurance
Do I Need?

Four things to consider when selecting the
amount of coverage for your needs:


  • The value of your assets
  • What you drive
  • How much you drive
  • Who's in the car with you
Learn More

Auto Insurance Coverage for Your Needs

In most states, you're required to carry a minimum amount of liability insurance and also provide proof of insurance before you can register your vehicle or renew your driver's license. Consider that the state required minimum coverage may not be enough to pay for all the damages that result from an accident. If that is the case, the legally responsible driver will have to pay the additional expenses out of pocket.

Consider the following when selecting Car insurance coverage:

The value of your assets

Could you potentially leave yourself financially exposed if you are sued because of a car accident? Ideally, your Liability insurance coverage should be enough to protect the value of your assets.

What you drive

What is the value of your car? Could you afford to replace it if it were totaled? If you lease or finance your vehicle, Comprehensive and Collision coverage is a requirement. Whereas if you own an older vehicle, you could save money by reducing these coverages.

How and when you drive

The time you spend on the road may increase your risk of involvement in an auto accident. Even if you are a good driver, there are many uninsured or underinsured motorists on the road. And, of course, there are many bad drivers.

Who's in the car with you

Do you carpool, drive the soccer team to games, or take the kids on field trips? If yes, make sure you are taking that liability impact into consideration.

Stay in the know

Explore the Farmers Inner Circle and let’s get smarter about insurance. With industry insight and information on determining how much coverage to buy, along with insurance shopping tips for new drivers and parents, the Inner Circle is a hub of useful information and experience from the halls of Farmers.


Choose a Farmers agent to tailor the package that you want for your specific situation and budget or get a car insurance quote online.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.