Car Policy Add ons

Auto Coverage to Consider

Updated September 4, 2019 . AmFam Team

Consider adding these optional car insurance coverages to your policy and gain even more peace of mind on the road.

Since you’re a savvy driver, you likely have the legal amount of auto insurance required by your state — which is super important! But there are actually a number of optional car insurance coverages available to provide protection for situations you might not have thought about.

We’ve highlighted some additional car coverages to consider when crafting your auto policy, so you get a broader range of protection and greater peace of mind when you hit the road. Let’s take a look.

Can You Drive a Car Without Insurance?

You might be wondering, “Is it legal to drive a car without insurance?” The short answer is no. Almost every single state requires a minimum amount of bodily injury liability and property damage liability coverage in order for you to legally be behind the wheel. There are a few states that do not require a minimum amount of insurance, but they do have financial responsibility laws that require proof you have sufficient funds to pay damages and medical expenses if you cause an accident. Remember, auto insurance is designed to protect you financially from unexpected events, and having the right coverages in place is key to that protection.


Ready to get the protection you need and peace of mind you deserve? Connect with your American Family Insurance agent (Opens in a new tab) to customize your auto policy.

Tools & Resources

Explore our tools and smart tips.