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Where you live plays a huge part in how much you are going to have to pay for auto insurance. Each state’s auto insurance laws stipulate a minimum required package, the figures of which vary greatly from state to state. This state insurance package includes bodily injury liability limits and a property damage liability limit. For example, Alaska drivers are required to have a minimum 50/100/25 state insurance policy. This means that in an accident each person injured would receive a maximum of up to $50,000 with only $100,000 allowed per accident. An additional $25,000 would be payed for the repair of any damage caused to the vehicle of the other driver.

States also have different laws with regard to fault. Certain states, like New York, Florida and Michigan, have “No-fault” statutes, which mean that your insurance company will pay your injury claims regardless of which party was at fault. However, “No-fault” state insurance policies are limited to a specified threshold. Other states, like Alaska, Colorado and Tennessee, follow a “Tort-based” system, where someone must be found at-fault for the accident, and that person and his insurance company will be liable to pay for all the damages. Both “No-fault” statutes and the details of “Tort-based” systems deviate greatly from state to state. Additionally, some states recommend that you also get an uninsured/underinsured motorist policy to cover hit-and-run accidents or an accident with a driver who is not insured or does not have sufficient insurance to cover the damage.

The easiest way to get quick auto insurance quotes based on your state's insurance policy is to do it online. By typing in your zip code and filling out a short form, you can find out how your state's insurance policy laws apply to you. You can compare rates from multiple insurance providers and find the most affordable insurance with the best coverage for you in your state.