What types of car insurance are required by law in the U.S.?

Q: What types of car insurance are required by law in the U.S.?

By law, most states require liability insurance , which includes bodily injury and property damage coverage to pay for harm you cause to others. Some states also require uninsured/underinsured motorist coverage and personal injury protection (PIP) , especially in no-fault states. Other coverages—like collision , comprehensive , medical payments , gap insurance , and roadside assistance —are optional but provide added protection for your own vehicle and expenses. Always check your state’s specific insurance requirements before choosing coverage.

Question

Morgan Blake · Accepted Answer

By law, most states require liability insurance, which includes bodily injury and property damage coverage to pay for harm you cause to others. Some states also require uninsured/underinsured motorist coverage and personal injury protection (PIP), especially in no-fault states. Other coverages—like collision, comprehensive, medical payments, gap insurance, and roadside assistance—are optional but provide added protection for your own vehicle and expenses. Always check your state’s specific insurance requirements before choosing coverage.