Car insurance and travel tips for your next US road trip

Image by Mario Schmidt

Road trips have been an integral part of the American way of life since the early 1900s. From weekend commutes to week-long trips across states, Americans love to dive their vehicles to new destinations.

Traveling by car requires planning. Of course, you can pack clothes and essentials and drive away. But what about insurance? How does auto insurance work in different US states? Is there anything more you need to take care of? How do you make sure your road trip is hassle-free when driving to new places?

Read to find out!

Car insurance for road trips

The cheapest policy may be sufficient for city driving, but may not be the right choice for road trips. There’s hardly ever a guarantee as to what might happen while you’re on the road, and it’s safest to be as protected as possible within your budget. Also, one state’s minimum may put you at a disadvantage in other states. Underinsured is definitely the last thing you want, right?

Always choose more than the minimum liability amount when you go on a trip. The recommended amount would be $100,000 per person and $300,000 for bodily injury per accident. The higher it is, the better for you, even if it increases the premium payment.

Collisions and accidents sometimes cannot be avoided. They can happen even when you are not at fault. But what you can do is protect the car with collision coverage and avoid paying for costly repairs out of pocket. Consider whether you want to choose a franchise since you will be on the road and access to cash may not be easy at all times.

  • Coverage for uninsured motorists

This coverage will protect you if the person responsible for the collision is not fully insured or uninsured. More than 12% of motorists are underinsured or uninsured, according to the Insurance Research Council.

This is a supplement offered with car insurance. Roadside assistance includes help from the insurer for flat tires, engine problems, towing, overnight accommodation, etc. The offers depend on the insurance company and are charged extra. But at least you won’t be stuck in the middle of nowhere.

Full coverage provides complete protection for your car. You don’t have to worry about natural disasters, theft, vandalism, etc., which can physically damage the car. Moreover, these incidents are not under your control. This blanket is a must-have choice for people who travel frequently.

If you are considering renting a car for the road trip, check out rental car insurance policies. The coverage options will be the same as mentioned above. You must include the following for rental insurance:

  • Personal accident insurance (medical indemnity and death)
  • Personal effects coverage (theft, loss, etc.)
  • Loss Damage Waiver (LDW)
  • Collision Damage Waiver (CDW)
  • Additional Liability Insurance (SLI)

There will be a difference in premiums depending on the rental company and type of car you choose. Credit card companies offer built-in collision coverage for rental cars. Check with the credit card company before purchasing rental car insurance.

  • Bundles may not be effective

Although bundled insurance is affordable and cheap for regular use, it does not provide sufficient coverage for car trips.

It doesn’t matter who is driving (as long as they have a valid driver’s license). Car insurance will protect the car and its passengers. Being in out-of-state accidents can be a bit complicated if the minimum liability amounts are very different for the two states. However, you cannot be penalized for being underinsured.

Travel tips for road trips in the United States

  • Have the vehicle serviced and ready for the long journey.
  • Carry an emergency kit and other essentials in the car.
  • Be aware of the risks involved when driving in unfamiliar places.
  • Do not drive faster than necessary. You don’t need a speeding ticket when traveling by car.
  • Be very careful if your driving history has marks. This may affect your insurance claim.
  • Charge your phone, carry a map, and let someone know your location for security.


Take the time to get the best car insurance quotes in Wisconsin from reputable insurance companies. Compare quotes and coverage terms before making the final decision. Speak to an experienced insurance agent if you have any doubts. Cheap auto insurance isn’t always the right choice.


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