{"id":61326,"date":"2025-06-13T13:15:35","date_gmt":"2025-06-13T20:15:35","guid":{"rendered":"https:\/\/jerry.ai\/?post_type=car-insurance&#038;p=61326"},"modified":"2025-06-13T16:51:38","modified_gmt":"2025-06-13T23:51:38","slug":"how-much-car-insurance-do-i-need","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/car-insurance\/how-much-car-insurance-do-i-need\/","title":{"rendered":"How Much Car Insurance Do I Need?"},"content":{"rendered":"\n<p>Most states require drivers to carry car some amount of <a href=\"\/car-insurance\/\">car insurance<\/a>, but the amount of coverage you need depends on your assets, vehicle\u2019s value and risk tolerance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"which-coverages\">Deciding which coverages to buy<\/h2>\n\n\n\n<p>Some <a href=\"\/car-insurance\/types-of-car-insurance\/\">types of car insurance<\/a> are mandatory, while others are optional but provide added protection.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Type of car insurance<\/th><th class=\"has-text-align-left\" data-align=\"left\">Required?<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Bodily injury liability<\/td><td class=\"has-text-align-left\" data-align=\"left\">Required in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Property damage liability<\/td><td class=\"has-text-align-left\" data-align=\"left\">Required in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Collision coverage<\/td><td class=\"has-text-align-left\" data-align=\"left\">Optional.*<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Comprehensive coverage<\/td><td class=\"has-text-align-left\" data-align=\"left\">Optional.*<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Personal injury protection (PIP)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Required in select states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Medical payments (MedPay)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Required in select states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Uninsured\/underinsured motorist<\/td><td class=\"has-text-align-left\" data-align=\"left\">Required in select states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Umbrella coverage<\/td><td class=\"has-text-align-left\" data-align=\"left\">Optional.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>*While not state-mandated, this may still be required by lenders or lessors on financed or leased vehicles.<\/em><\/figcaption><\/figure>\n\n\n\n<p>Determining which type of coverage you need \u2014 and how much of it to buy \u2014 means considering your financial situation and the laws in your state. Here\u2019s a look at some of the recommended auto insurance coverages and what to consider when buying them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"liability\">Liability coverage<\/h2>\n\n\n\n<p><a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">Liability coverage<\/a> provides financial protection if you cause an accident that injures someone else or damages their property. Rather than covering those losses out of your own pocket, liability insurance protects you up to your selected coverage limits.<\/p>\n\n\n\n<p>Auto liability falls into two categories, both of which are required in most states.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/car-insurance\/bodily-injury-liability\/\"><strong>Bodily injury liability<\/strong><\/a><strong> (BI)<\/strong> covers others\u2019 injuries in an accident you cause.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><strong>Property damage liability<\/strong><\/a><strong> (PD) <\/strong>covers others\u2019 property damage in an accident you cause.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>In many states, you can be held personally liable for any damages that exceed your policy\u2019s coverage limits, as an at-fault driver. This means if you don\u2019t have enough liability insurance and another driver sues you, you could lose personal assets and be forced to pay the difference out of pocket.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much liability coverage do I need?<\/h3>\n\n\n\n<p class=\"has-black-color has-gray-pink-background-color has-text-color has-background has-link-color wp-elements-72ee4e255c9c6b410bbe92a02ea0c7d2\"><strong>Rule of thumb:<\/strong><strong> <\/strong>Buy enough coverage to match or exceed your net worth.<\/p>\n\n\n\n<p>Most states require drivers to carry a minimum level of liability insurance, usually including both BI and PD.<\/p>\n\n\n\n<p>These state minimum requirements may not be enough to adequately protect you and your assets in the event of an <a href=\"\/car-insurance\/at-fault-accident\/\">at-fault accident<\/a>. For example, <a href=\"\/car-insurance\/louisiana\/\">Louisiana<\/a> requires drivers to carry $15,000 in bodily injury liability per person, but the national average cost of an accident-related injury that doesn\u2019t cause disability is $44,000, according to the National Safety Council (NSC).&nbsp;<\/p>\n\n\n\n<p>Buying at least an amount of liability coverage that matches your net worth will help protect your assets in case of a lawsuit. To find your net worth, add up your assets (home equity, savings accounts, investments, future income, annuities) and subtract your liabilities (debts).<\/p>\n\n\n\n<p>If you have $200,000 in assets, consider a 250\/500\/200 policy. This will give you $250,000 per person and $500,000 per accident in bodily injury liability, as well as $200,000 in property damage liability.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Good<\/strong><\/td><td><strong>Better<\/strong><\/td><td><strong>Best<\/strong><\/td><\/tr><tr><td>State minimum coverage.<\/td><td>Two to four times the minimum requirement.<\/td><td>Match your net worth in coverage.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"uninsured-underinsured\">Uninsured\/Underinsured Motorist (UM\/UIM) coverage<\/h2>\n\n\n\n<p><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist<\/a> (UM\/UIM) coverage is designed to protect you if you\u2019re hit by a driver with no or too-little auto insurance. This coverage required in some states but optional in most.<\/p>\n\n\n\n<p>Though nearly every state requires drivers to carry insurance, about one in seven drivers in the U.S. is uninsured, according to the Insurance Research Council (IRC).&nbsp;<\/p>\n\n\n\n<p>The NSC study found that disabling injuries from car crashes carried an average cost of $167,000. If the driver who hits you doesn\u2019t have enough bodily injury coverage and you haven\u2019t purchased UM\/UIM coverage, you\u2019ll have to pay those bills out of pocket or consider taking the driver to court.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much UM\/UIM coverage do I need?<\/h3>\n\n\n\n<p class=\"has-black-color has-gray-pink-background-color has-text-color has-background has-link-color wp-elements-2da9b846864154d242af4da5d34bc0de\"><strong>Rule of thumb: <\/strong>Match your liability limits, which may be the most you can buy.<\/p>\n\n\n\n<p>UM\/UIM coverage is designed to protect you, the policyowner, so it\u2019s in your best interest to purchase as much coverage as you can afford, and to choose limits that make you feel secure. It\u2019s generally wise to choose UM\/UIM coverage limits that match your policy\u2019s liability limits.<\/p>\n\n\n\n<p>In fact, many insurers won\u2019t allow you to buy more UM\/UIM coverage than liability coverage, so that may be your maximum. If you want more protection, consider buying additional liability coverage to unlock a higher UM\/UIM limit.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Good<\/strong><\/td><td><strong>Better<\/strong><\/td><td><strong>Best<\/strong><\/td><\/tr><tr><td>Match state minimum liability limits.<\/td><td>Two to four times the minimum requirement.<\/td><td>Match your net worth in coverage.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Find affordable car insurance in minutes.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"comprehensive-collision\">Comprehensive and collision coverage<\/h2>\n\n\n\n<p><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive<\/a> and <a href=\"\/car-insurance\/collision-insurance\/\">collision<\/a> coverage are often sold together, and combined with liability, they make up what\u2019s known as a <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage auto policy<\/a>. These insurances pay for damages to your own vehicle, regardless of fault.<\/p>\n\n\n\n<p>Here are some situations where either of these coverages would apply.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Collision<\/strong><\/td><td><strong>Comprehensive<\/strong><\/td><\/tr><tr><td>You\u2019re at-fault for an accident with another vehicle.<\/td><td>Your vehicle is stolen or vandalized.<\/td><\/tr><tr><td>You hit another object, such as a tree, guardrail or wall.<\/td><td>Your car catches fire or is damaged by hail, flood waters, a falling tree or rocks.<\/td><\/tr><tr><td>You\u2019re involved in a single-car accident, like a rollover.<\/td><td>You hit an animal.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Comprehensive and collision coverage can also pay to replace your vehicle if it\u2019s stolen or totaled, though this is typically assessed at <a href=\"\/car-insurance\/actual-cash-value-acv\/\">actual cash value<\/a> (ACV) at the time of the loss, which is often lower than what you originally paid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do I need comprehensive and collision coverage?&nbsp;<\/h3>\n\n\n\n<p class=\"has-black-color has-gray-pink-background-color has-text-color has-background has-link-color wp-elements-d36e25fcbde7c01d697353df7e03c5bc\"><strong>Rule of thumb:<\/strong> Buy it if you can&#8217;t afford to fix or replace your vehicle out of pocket, have a valuable car, or have a leased or financed car.<\/p>\n\n\n\n<p>Drivers should consider purchasing comprehensive and collision coverage if they couldn\u2019t afford to repair or replace their vehicle if it were damaged in an accident or stolen. While neither type of coverage is mandated in any state, it may be required by your lender or lessor if you have a financed or <a href=\"\/car-insurance\/insurance-for-leased-cars\/\">leased vehicle<\/a>.<\/p>\n\n\n\n<p>Comprehensive and collision coverages are sold on a yes\/no basis, rather than choosing coverage limits like with liability insurance. While you won\u2019t choose a coverage limit, you will need to choose a <a href=\"\/car-insurance\/car-insurance-deductible\/\">deductible<\/a>, which is the portion of each claim\u2019s loss that you cover upfront before your insurer kicks in. The lower your deductible, the less a <a href=\"\/car-insurance\/car-insurance-claim\/\">claim<\/a> will cost you, but the higher your premium may be.&nbsp;<\/p>\n\n\n\n<p>You may not need comprehensive or collision coverage if your vehicle\u2019s current cash value is low. It may not be necessary if you could easily pay to repair or replace your car, either.&nbsp;<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/car-insurance-quotes\/\">How to save money on car insurance by comparing quotes<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"medpay-pip\">Medical payments and personal injury protection coverage<\/h2>\n\n\n\n<p><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">MedPay<\/a> and <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">personal injury protection<\/a> cover medical treatments, medications, co-pays and other auxiliary expenses if you or your passengers are injured in an accident, so you aren\u2019t forced to cover these costs out of pocket.<\/p>\n\n\n\n<p>Here\u2019s a look at what these coverages can pay for.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>MedPay<\/strong><\/td><td><strong>PIP<\/strong><\/td><\/tr><tr><td>Medical bills<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Co-pays<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Ambulance transport<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>X-rays, MRIs, CT scans and other diagnostic testing<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Surgical procedures<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Nursing and rehabilitation services<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Prosthetics and medical equipment<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Funeral expenses<\/td><td>\u2705<\/td><td>\u2705<\/td><\/tr><tr><td>Household services (childcare, grocery delivery, laundry, house cleaning, lawn care, etc.)<\/td><td><\/td><td>\u2705<\/td><\/tr><tr><td>Lost wages<\/td><td><\/td><td>\u2705<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>You are generally able to choose one coverage or the other, but not both.<\/p>\n\n\n\n<p>MedPay and PIP benefits kick in regardless of accident fault, and even follow you when you\u2019re traveling in someone else\u2019s car, riding your bike or walking down the street. Unlike health insurance, these coverages may not have a deductible, copay or coinsurance.&nbsp;<\/p>\n\n\n\n<p>A handful of states \u2014 namely those with <a href=\"\/car-insurance\/no-fault-states\/\">no-fault insurance<\/a> laws \u2014 require drivers to purchase MedPay or PIP. Drivers in other states may have the option to purchase either of these coverages for added protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much MedPay or PIP coverage should I buy?<\/h3>\n\n\n\n<p class=\"has-black-color has-gray-pink-background-color has-text-color has-background has-link-color wp-elements-4ab89cfccd8597506593cbb64c88d5f6\"><strong>Rule of thumb:<\/strong> If not required by your state, consider buying at least enough coverage to pay for any out-of-pocket medical expenses you might encounter, such as a health insurance deductible.<\/p>\n\n\n\n<p>Whether you\u2019re electing to buy this type of coverage or your state requires it, it\u2019s wise to buy at least enough to meet your health plan\u2019s annual maximum and deductible. Medpay or PIP can cover co-pays, prescription cost-shares and deductibles for you.&nbsp;<\/p>\n\n\n\n<p>Since medical expenses coverage is relatively inexpensive, you may just want to purchase the maximum allowed to fully protect you and your family. While the cost varies by driver, coverage limits and other factors like location, up to $10,000 of this medical expenses coverage can usually be added to a policy for less than $10 a month.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Good<\/strong><\/td><td><strong>Better<\/strong><\/td><td><strong>Best<\/strong><\/td><\/tr><tr><td>An amount equal to your health insurance deductible.<\/td><td>More than your health insurance deductible, to help cover things like co-pays and essential services.<\/td><td>The maximum limit offered.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-coverages\">Additional coverages and protections<\/h2>\n\n\n\n<p>Many insurers offer other protections that can be added to your policy, sometimes at little or no cost. These include things like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Emergency roadside assistance.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/accident-forgiveness\/\">Accident forgiveness<\/a>.<\/li>\n\n\n\n<li>New car replacement.<\/li>\n\n\n\n<li>Glass repair or replacement.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/gap-insurance\/\">Gap coverage<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/rideshare-insurance\/\">Rideshare insurance<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Consider the value of these and how much adding them would increase your premium. For example, a single tow can cost $100 to $250 depending on your vehicle and distance, according to J.D. Power. If adding roadside assistance to your policy is only a few dollars a year, the added peace of mind could be worthwhile.<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Compare the best car insurance companies<\/a><\/p>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQs  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Is full coverage worth it for an older car?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If your car is old and has a low cash value, collision or comprehensive coverage may not be worth the expense. Consider whether you could afford to repair or replace the vehicle after an accident or other loss. If the answer is yes, you probably don\u2019t need full coverage.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Do I still need a lot of car insurance if I don\u2019t drive much?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Auto insurance is required in almost every state, but drivers who aren\u2019t on the road much can save by buying <a href=\"\/car-insurance\/low-mileage-car-insurance\/\">low-mileage auto insurance<\/a> or a pay-per-mile policy. If you don\u2019t take your car out often, you may not need features like <a href=\"\/car-insurance\/rental-car-insurance\/\">rental car coverage<\/a>, either.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Can I add or subtract car insurance later on?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>You can make changes to your auto policy at any time, increasing or decreasing coverage to fit your needs and budget. You can even change your insurance carrier in the middle of a policy period. Changes may influence your premiums and if you cancel a policy mid-term, you may have to pay fees or prorated costs.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Do I need UM\/UIM coverage if I have health insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Uninsured\/underinsured motorist coverage protects you if you\u2019re hit by another driver with no or too little liability coverage. While your health insurance will likely cover medical expenses for your injuries, UM\/UIM can also help with lost wages, deductibles, medical mileage and other losses including pain and suffering.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Stephanie-Colestock.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Stephanie-Colestock.png 250w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Stephanie-Colestock-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Stephanie Colestock            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Stephanie Colestock is a professional writer, CFEI&reg;, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit\/debt, investing, retirement planning, and banking.<\/p>\n<p>Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie&#8217;s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.<\/p>\n<p>When she&rsquo;s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>From liability limits that match your net worth to full coverage policies for newer cars, this guide breaks down how to choose and customize your auto insurance coverage based on your needs, state requirements and financial protection goals.<\/p>\n","protected":false},"author":87,"featured_media":61327,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"jerry_authors":"[{\"id\":\"372\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"editor\"}]","jerry_author_ids":[372],"jerry_idx_page_label":"how-much-car-insurance","jerry_meta_desc":"Learn how to choose the right car insurance coverage limits based on your state laws, vehicle value, assets, budget and risk tolerance.","jerry_related_posts":"[27330,57785,57831,36732,23127]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[645],"tags":[31],"class_list":["post-61326","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/61326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=61326"}],"version-history":[{"count":22,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/61326\/revisions"}],"predecessor-version":[{"id":65114,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/61326\/revisions\/65114"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/61327"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=61326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=61326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=61326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}