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Coverage Options
Auto Insurance Coverage Types
Understanding your coverage options is the first step to finding the right policy at the right price. Here are the main types of auto coverage available.
Covers bodily injury and property damage you cause to others in an accident. Does NOT cover your own vehicle or injuries. Minimum limits required by law vary by state.
State minimums range from 15/30/5 to 25/50/25. Many experts recommend higher limits than state minimums.
Get Liability Quotes →Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. Usually required if you have a car loan or lease.
Subject to your chosen deductible (typically $250–$1,000). Higher deductible = lower premium.
Get Collision Quotes →Covers damage from events OTHER than collisions: theft, vandalism, weather, fire, hitting an animal, and more. Often bundled with collision coverage.
Usually required if you have a car loan or lease. Together with collision = "full coverage."
Get Comprehensive Quotes →Protects you when you're hit by a driver with no insurance (UM) or insufficient insurance (UIM). Covers medical bills and vehicle damage in hit-and-run accidents.
Required in ~20 states. Strongly recommended in all states — 1 in 8 drivers is uninsured.
Get UM/UIM Quotes →Pays medical expenses for you and your passengers after an accident, regardless of fault. Works alongside your health insurance. Required in Maine and New Hampshire.
Different from PIP (Personal Injury Protection), which is required in no-fault states.
Get MedPay Quotes →Required in no-fault states (FL, MI, NJ, NY, PA, and others). Covers your medical expenses, lost wages, and other costs regardless of who caused the accident.
No-fault states: FL, HI, KA, KY, MA, MI, MN, NJ, NY, ND, OR, PA, UT. Required in these states.
Get PIP Quotes →What Affects Your Rate
Auto Insurance Rate Factors
Auto insurance premiums are calculated based on multiple factors. Understanding them helps you find the best rate.
Driver Age & History
Age, years licensed, and driving record (accidents, tickets, DUIs) are primary rating factors. Clean driving records qualify for significant discounts.
Vehicle Type & Year
Make, model, year, and safety ratings affect premiums. High-theft or high-repair-cost vehicles typically cost more to insure.
Location & Garaging ZIP
Urban areas with higher theft and accident rates have higher premiums. Your garaging ZIP code (where the car sleeps) matters more than your mailing address.
Coverage Limits & Deductibles
Higher coverage limits increase premiums. Higher deductibles reduce premiums. A licensed agent can help you find the right balance for your budget.
Credit Score (Most States)
Most states allow insurers to use credit-based insurance scores as a rating factor. CA, HI, MA, MI prohibit this. Improving credit can lower your rate.
Annual Mileage
Drivers who drive fewer miles per year often pay less. Low-mileage discounts or pay-per-mile programs may be available from some carriers.
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Rate Disclaimer: Auto insurance rates vary significantly by carrier, driver profile, vehicle, location, and coverage selections. Any rate information or estimates are illustrative only — not a quote or guarantee of rates. Actual rates are determined by licensed carriers based on underwriting criteria. Not all carriers available in all states.
State Minimum Disclaimer: Minimum required auto insurance coverages vary by state. Requirements shown are informational and subject to change. Confirm current state requirements with a licensed agent in your state.
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