Minimum legal insurance varies from state to state. The additional insured for the vehicle will require your mother purchase more insurance than what your state requires. They will probably require physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. Most lienholders require physical damage coverage if you are financing or leasing your vehicle. In addition to the physical damage coverage, your mother's additional insured will probably require she carry large limits of bodily injury liability and large limits of property damage liability. Bodily injury liability covers other people's bodily injuries or death for which you are responsible. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering. Meanwhile, property damage liability covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you.

Since the vehicle was leased to your mother, it should be her responsibility to insure it. However, if you are going to insure it, you may have a hard time insuring it - because you have no insurable interest in it. However, depending on your situation, there are companies - like Esurance - that will allow you to insure this vehicle. Just follow this link to possibly get a car insurance rate through Esurance and be able to purchase your policy immediately on-line.