Auto Insurance Coverage Guide

Understand every type of car insurance coverage so you can build a policy that protects you without paying for coverage you don't need.

Required Coverage Types

These coverages are mandated by most states to legally drive on public roads.

Covers medical expenses, lost wages, and legal fees for people you injure in an accident where you're at fault.

Typical Limits:

$25,000/$50,000 (minimum) to $250,000/$500,000 (recommended)

Format: Per person / Per accident

Pays for damage you cause to someone else's vehicle, home, fence, mailbox, or other property.

Typical Limits:

$10,000 (minimum) to $100,000 (recommended)

Pays to repair or replace your car after a collision with another vehicle or object (tree, guardrail, pole), regardless of fault.

✓ You Need This If:

✗ Skip This If:

Covers damage from non-collision events: theft, vandalism, fire, hail, floods, falling objects, and animal strikes.

Covered Events:

🔥 Fire🌊 Flood🦌 Animal hits🪨 Falling objects🌪️ Weather🔓 Theft💥 Vandalism🪟 Glass damage

Protects you if you're hit by a driver with no insurance or not enough coverage. About 13% of US drivers are uninsured.

⚠️ Highly Recommended

This coverage is inexpensive and can save you thousands if hit by an uninsured driver.

Covers medical expenses for you and passengers regardless of fault. Works with your health insurance.

Required in no-fault states. Covers medical bills, lost wages, and other expenses regardless of who caused the accident.

Pays for a rental car while yours is being repaired after a covered claim. Usually $30-$50/day.

Covers towing, battery jumps, flat tire changes, lockout service, and fuel delivery.

Covers the difference between what you owe on your car and its actual value if totaled.

Replaces your totaled car with a new one of the same make/model within the first few years.

Compare coverage options from top insurers and customize your protection.