It’s really difficult to answer this question – at least you need a basic minimum. The minimum varies depending on the state and the type of the auto insurance. The sad thing is that minimum doesn’t fully protect you from the losses you may face.
As it was mentioned before, every state has its own minimum, which every car owner definitely should purchase. For instance, in Texas, the minimum amount of liability insurance covers $20,000 per person, $40,000 per incident, and $15,000 per property damage. As every state has its own peculiarities, you should get them before applying for quality car insurance services.
Furthermore, consider the minimum of every type of the car insurance. For example, Personal Injury Protection or PIP is a type of coverage, which covers medical losses and approximately 80% of your lost wages. PIP requires a minimum amount of insurance of $2,500.
In addition, make sure you don’t overpay for your old vehicle. The annual premium insurance cost shouldn’t be more than an actual cost of the car.
The last moment, which can change the cost of the policy are different additional options for special cases.