Most states require drivers to carry a minimum amount of liability insurance. Liability insurance provides coverage for other drivers in the event you’re at fault in an accident that causes injury or property damage to others. The amount of coverage you carry beyond liability is contingent on a number of factors:

• The value of your car and other assets
• How often you drive
• How you use your vehicle (e.g., mostly driving to work, etc.)
• Do you regularly transport passengers? How many?