To start with, you will need to purchase at least your state's minimum liability insurance requirement, as well as any other types of coverage required. Consider purchasing more than your state's minimum limits, if you can afford to, to give yourself more robust coverage. You may also want to think about getting full coverage, which includes optional collision and comprehensive insurance. These two types help pay for damages to your own vehicle in an at-fault accident. Underinsured/uninsured motorist coverage is another option to think about. According to the Insurance Information Institute, one in seven drivers is on the road illegally without coverage, so this coverage could save you from out-of-pocket costs if you're in an accident with one of them.