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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.
Combines liability, collision, and comprehensive — the most complete protection.
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 hit by a driver with no insurance or insufficient coverage.
Roadside assistance, rental reimbursement, gap insurance, rideshare coverage.
Estimate your monthly auto insurance premium based on your driver profile.
* Estimates only. 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 drop significantly after age 25.
A single DUI can raise your premium 70–100%. Accidents and tickets increase rates for 3–5 years.
Luxury cars, sports cars, and vehicles with expensive parts cost more to insure.
Urban areas with more traffic, theft and severe weather cost more. Your ZIP code is a major factor.
In most states, a good credit score means lower premiums. Improving credit can save hundreds per year.
Drivers under 7,500 miles/year often qualify for low-mileage discounts.
| State | Min. Bodily Injury | Min. Property Damage | Notes |
|---|---|---|---|
| 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 |
Common questions from US drivers shopping for auto insurance.
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