How Much Car Insurance Do I Need? Most states require that every driver carry minimum liability coverage, but the minimum requirement varies by state. The minimum will probably not adequately cover you and your assets unless you have no attachable assets in which case any accident/injury litigation would probably stop at your insurance coverage, whatever that may be. With the kind of unreasonable judgments offered by juries in America today the minimum liability insurance required by state law may be very minimal, indeed. Most drivers with any assets to speak of carry substantially more insurance than the minimum because, in the event of an accident, the possibility of loss could be enormous.