Liability car insurance is required to drive legally in nearly all states because it helps pay for damage and injuries to others that you cause in an accident. It also helps pay legal costs if you’re taken to court because of an accident. Optional physical damage coverages, comprehensive and collision, pay for damage to your own car regardless of fault. Though it does cost the average driver around $1,300 for full coverage car insurance, it can save you a lot of money. Here’s why:

• You’re financially protected - with no car insurance, you’d have to pay out-of-pocket for accidents and injuries you cause
• Your house, savings and assets aren’t at risk should you cause an accident
• You get reimbursed so you can repair your car after an accident