To determine how much auto insurance you need, you should consider the value of your assets, how much you drive, when and where you drive, and what kind of vehicle you drive. You might also want to think about what you would do if your car was unavailable to you for a period of time (like say, as a result of a car accident). Additionally, most states require you to carry a minimum amount of liability insurance - you will see that shown as the minimum amount you can select when doing a quote in your state.