Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Every state has its own specific minimum limits on car insurance. You should just try any of the websites offering free quotations by entering your zip code. That being said, you will probably need to buy Liability, Bodily Injury Liability which will cover the costs of the accident when you are at fault. You can also buy optional insurance like property damage, personal injury, uninsured or underinsured motorist coverage, collision or just get a comprehensive car policy.

Most certainly, without buying the minimum limits, you are at risk of having your car impounded. If this happens, you will still need to get insurance before the car is released to you aside from paying penalties and fines.

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