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At minimum, you need your state's required liability coverage. But experts recommend at least 100/300/100 liability plus comprehensive and collision if you have a car loan, lease, or assets to protect. The state minimum often won't cover a serious accident.

Compare quotes from at least 3-5 insurers — rates for identical coverage can vary by $500-$1,500. Other quick wins: raise your deductible, bundle home + auto, ask about discounts you qualify for (good driver, low mileage, professional associations), and improve your credit score.

Yes, in most states. Insurers use credit-based insurance scores, and drivers with poor credit pay up to 60% more than those with excellent credit. Only California, Hawaii, Massachusetts, and Michigan ban this practice.

Penalties vary by state but typically include fines ($150-$5,000), license suspension, vehicle impoundment, and an SR-22 filing requirement that raises your rates for 3-5 years. In some states, it's a misdemeanor. If you cause an accident while uninsured, you're personally liable for all damages.

At least once a year at renewal time, and whenever your life changes — new car, moved, got married, teenager on your policy, or a ticket fell off your record. Rates shift constantly and insurers price risk differently, so the cheapest option last year may not be cheapest today.