New drivers have more to think about than just keeping the gas tank full. While a new set of wheels is fun, it also comes with the responsibility of keeping the roads safe for all drivers. That's why, in every state, it's mandatory to purchase auto liability insurance, which covers the costs of third party injuries and property damage resulting from an accident caused by the policyholder. But there's a lot more to auto insurance than just liability coverage.
Yes, you are street legal if all you own is liability coverage, but it doesn't cover your own expenses if you're injured or your car is damaged. For that, you'll need extra coverage. The most popular coverage option is collision, which covers damages to your vehicle. Additional options include: