{"id":25506,"date":"2020-11-20T07:04:35","date_gmt":"2020-11-20T15:04:35","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=25506"},"modified":"2023-09-21T17:36:33","modified_gmt":"2023-09-22T00:36:33","slug":"state-requirements","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/state-requirements\/","title":{"rendered":"State-by-State Car Minimum Insurance Requirements"},"content":{"rendered":"
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What is State Minimum Required Car Insurance?<\/h2>\n

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Minimum state-required car insurance<\/a> \u2013\u00a0<\/strong>or\u00a0liability insurance<\/a>\u00a0\u2013 is the amount of car insurance drivers are required by their state to have to protect themselves and others in case of a car crash. This mandatory\u00a0type of insurance coverage<\/a> typically consists of a combination of injury and property damage liability protections, designed to provide some financial help after a car accident.<\/p>\n

Each state requires some form of financial responsibility from the people who drive on its roads. The reason for this is simple \u2013 car accidents cost money and plenty of it \u2013 in property damages and hospital bills. In many cases, states must step in and pick up some of the cost when people who do not have adequate health insurance get hurt. With\u00a0minimum requirements for car insurance<\/em>, states are trying to pass at least some of the costs for car accidents onto the citizens \u2013 and their insurance companies.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Does State-Required Minimum Insurance Work?<\/h2>\n

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Most states require drivers to carry a set amount of car insurance that kicks in after a car crash to help pay for the financial consequences of injuries and property damage. For example, Texas requires:<\/p>\n <\/div>\n \n

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