This is one of the most common car insurance questions. The answer to this question depends on the person and the car to be insured. In most states, liability coverage is enough to become eligible to drive a car. This coverage protects the other person who gets injured by your car or whose vehicle gets damaged but it does not protect you. If you have an old car or you are capable enough to repair your car in case it gets damaged, then liability insurance is enough for you. But if you have a new car, then you should consider getting full coverage to protect yourself and your precious car.