Freeway Insurance can provide you with several cheap car insurance options, including minimum liability and full coverage, plus more.
Full coverage includes liability, comprehensive, and collision insurance.
Collision insurance covers the cost of damages to your vehicle due to vehicle-to-vehicle, vehicle-to-object, and rollover collisions.
Comprehensive insurance covers damages to your vehicle due to non-collision-related events, such as theft, falling objects, fire, and weather.
We highly recommend a full coverage policy over state minimum liability for the greater protections it provides. Remember, you can also opt for additional coverages, such as gap insurance, uninsured/underinsured motorist coverage, roadside assistance, and rental car reimbursement.
State Minimum Liability
Every state has unique requirements when it comes to minimum car insurance requirements.
Minimum coverage requirements in your state apply to bodily injury and property damage liability. For example, Louisiana drivers must carry $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $25,000 for property damage liability per accident.
In turn, California drivers must carry the same bodily injury liability per person/accident coverages and $5,000 in property damage liability per accident.
With the average cost of new vehicles exceeding $40,000, the minimum property damage liability of most states barely comes close. Therefore, we strongly recommend a policy with higher liability limits for greater peace of mind. Even a single car accident could force you to go out of pocket to pay for expenses, throwing your monthly budget out of whack and putting your assets at jeopardy.