In the world of insurance not all things are created equal. You do get more services and coverages the more that you pay for your premium. But should anyone ever go without insurance? The answer should be a resounding no. Most states require at least some form of insurance even if it is really cheap auto insurance that only covers the minimum. This covers you legally and at least will help start to pay the bills that quickly can add up after an auto accident. No one should get caught at least having the state minimum amount of required insurance on their vehicle.