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Below you will find some basic information all drivers need to know.

Purchasing a Policy

Auto Insurer Guide

How Do I Choose an Auto Insurer?

Allstate: Are You Really in Good Hands?

You know you need to be insured, everyone does! Before you get your next auto policy, read our helpful tips for choosing a provider. Find out what you should know about your insurer before you sign a policy with them.

Allstate is one of the largest publicly held agencies in the nation. With their wide array of policies, and excellent customer service, they are able to service a wide-variety of individual needs in all 50 states.

State Insurance Laws

Filing a Claim

Driver Safety

Insurance Fundamentals

State Regulations & Required Automobile Insurance

Proof of Insurance is Required

Other Types of Coverage that may be Mandatory by Different States

Learn the Basics

Virtually all states require that drivers carry a minimum amount of car insurance.* Yet the amount and type that motorists must purchase varies considerably for each state. Some governments, like Maine and Alaska, require as much as $50,000 coverage for bodily injury of one person, $100,000 for injury to all persons in an accident and $25,000 for property damage (usually written as 50/100/25). Others require as little as 10/20/10 such as Louisiana and Florida.

*The few states that do not require insurance have, instead, other regulations; often drivers must provide documentation that they can meet their financial obligations in case of an accident, for example. Even in these communities most motorists simply insure their vehicles.

Most states require proof of your policy which typically must be shown when the car is registered, following an accident or when driving on the highway. Many states have severe penalties for drivers who do not carry the necessary coverage. These penalties can range from as little as a $100 fine to the following: a suspension of a driver's license and suspension of the car registration for up to six months, up to a $5000 fine, and up to one year in jail.

Basic Automobile Liability Policies Required By Most States:

Bodily Injury (BI)

Also a bank or loan company may require Comprehensive and/or Collision policies to protect the company from a loss in case of an accident in which the car is damaged or suffers a total loss.

Both the state regulations and the coverage required by a financial institution are usually stated as minimums. The policy holder can usually increase the coverage substantially.