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Understanding each coverage type helps you build the right policy for your vehicle and budget.
Required in all 50 states. Covers injuries and property damage you cause to others in an accident.
Combines liability, collision, and comprehensive — the most complete protection for your car.
Pays to repair or replace your car if you’re in an accident — regardless of fault.
Covers non-accident damage: theft, weather, fire, vandalism, hitting an animal.
Protects you if you’re hit by a driver with no insurance or insufficient coverage.
Additional coverage options: roadside assistance, rental reimbursement, gap insurance, rideshare coverage.
Estimate your monthly auto insurance premium based on your driver profile and vehicle.
* Estimates only. Actual rates vary by insurer, credit score, ZIP and vehicle. Get precise quotes →
Insurers use dozens of factors to calculate your premium. Here are the most important ones.
Teens pay 2–3x more than experienced adult drivers. Rates typically drop significantly after age 25.
A single DUI can raise your premium 70–100%. Accidents and tickets typically increase rates for 3–5 years.
Luxury cars, sports cars, and vehicles with expensive parts cost more to insure. Safety ratings also matter.
Urban areas with more traffic, theft and severe weather cost more. Your specific ZIP code is a major factor.
In most states, a good credit score means lower premiums. Improving your credit can save you hundreds per year.
Drivers under 7,500 miles/year often qualify for low-mileage discounts. Telematics programs can further reduce rates.
| State | Min. Bodily Injury | Min. Property Damage | Other Requirements |
|---|---|---|---|
| California | $15K/$30K | $5,000 | UM/UIM optional |
| Texas | $30K/$60K | $25,000 | PIP optional |
| Florida | $10K (PIP) | $10,000 | No fault state |
| New York | $25K/$50K | $10,000 | No fault + PIP required |
| Other States | Minimums vary — experts recommend 100/300/100 for real protection | ||
Common questions from US drivers shopping for auto insurance.
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