To buy an auto insurance policy in your state you need to do your proper research first, so you can be properly informed of what are the requirements for car insurance in your state and what maybe the average premium cost that you will have to pay depending on your situation.

Finding low cost auto insurance is not that easy, but if you follow some simple tips and you compare quotes from different carriers you may get a much better deal.

Fortunately you can get auto insurance quotes online very easily just by filling a form, however your premium cost will depend on several factors such as:

- driving record
- age
- marital status
- car model
- make year
- tickets
- credit score
- and more.

Then you have to choose the type and amount of coverage you want depending on your budget and necessities.

There is:

Bodily Injury Liability – provides coverage from the people you might injure in an accident.

Property damage liability – provides coverage for third party damage you caused.

Medical Payments to the policy owner

Uninsured and underinsured motorist coverage – protects you when the other driver has no insurance to cover the damage caused.

Physical damage – covers damage to your car

Collision coverage – covers losses to your car when there is a collision.

Comprehensive coverage – covers non-collision damage to your car

By law in every state in the US there is a minimum auto insurance coverage required for you to drive a car, each state has different requirements so you have to check.

Here are the US states and car insurance requirements:

Alaska – AK
Arizona – AZ
Arkansas – AR
California – CA
Colorado – CO
Connecticut – CT
Delaware – DE
District of Columbia – DC
Florida – FL
Georgia – GA
Hawaii – HI
Idaho – ID
Illinois – IL
Indiana – IN
Iowa – IA
Kansas – KS
Kentucky – KY
Louisiana – LA
Maine – ME
Maryland – MD
Massachusetts – MA
Michigan – MI
Minnesota – MN
Mississippi – MS
Missouri – MO
Montana – MT
Nebraska – NE
Nevada – NV
New Hampshire – NH
New Jersey – NJ
New Mexico – NM
New York – NY
North Carolina – NC
North Dakota – ND
Ohio – OH
Oklahoma – OK
Oregon – OR
Pennsylvania – PA
Rhode Island – RI
South Carolina – SC
South Dakota – SD
Tennessee – TN
Texas – TX
Utah – UT
Vermont – VT
Virginia – VA
Washington – WA
West Virginia – WV
Wisconsin – WI
Wyoming – WY