What can you do if you cannot afford the minimum liability insurance?

Obtaining a personal bond to cover the minimum liability insurance is a viable option if you're unable to afford traditional insurance. A personal bond acts as a financial guarantee that you will be able to cover expenses in the event of an accident, effectively satisfying the legal requirement for liability coverage. This approach allows drivers without the means for standard insurance to legally comply with state laws regarding vehicle operation, ensuring they are financially responsible in the event of an incident.

The other options, while potentially helpful in different contexts, do not address the legal obligations associated with driving. Taking public transport, filing for bankruptcy, or limiting driving to local areas do not fulfill the requirement for minimum liability insurance, which is crucial to protect both the driver and others on the road.