Liability Coverage
Covers — Damage you cause to others (bodily injury & property)
Minimum legal requirement in most states. Protects others if you're at fault, but doesn't cover your own vehicle.
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Auto Insurance by the Numbers
$140
Average monthly premium (USA)
30%
Potential savings by comparing
50+
Major insurance providers
Understanding Coverage Types
Not all auto insurance is created equal. Here's what you need to know about the main types of coverage.
Collision Coverage
Covers — Damage to your vehicle from accidents
Pays for repairs after a collision, regardless of fault. Essential for newer or financed vehicles.
Comprehensive
Covers — Non-collision damage (theft, weather, vandalism)
Protects against fire, theft, falling objects, animal strikes, and natural disasters.
Uninsured Motorist
Covers — Damage from uninsured or underinsured drivers
Protects you if hit by someone without insurance or with coverage too low to pay damages.
Frequently Asked Questions
Straight answers to the questions drivers ask most.
How much auto insurance do I really need?
It depends on your state's minimums, your assets, and your risk tolerance. Many experts recommend at least 100/300/100. Use our coverage calculator for a personalized recommendation.
Can I lower my premium without sacrificing coverage?
Yes — raise your deductible, bundle policies, keep a clean record, ask about discounts, and compare quotes every year. Small changes often save 15–30%.
What factors affect my insurance rate?
Age, driving history, location, vehicle, credit (in most states), mileage, coverage levels, and claims history all play a role. Urban and high-risk areas usually cost more.
Is full coverage always worth it?
For newer or financed cars, usually yes. For older cars worth under ~$3,000–4,000, liability-only can make more sense. Try our comparison calculator.
How often should I shop for new insurance?
Review before every renewal, and after major life changes. Comparing every 6–12 months helps many drivers save $300–500 a year.
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