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Auto insurance helps pay for damage and injury when you drive. Most states require at least liability coverage; many drivers also carry protection for their own vehicle.

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Common coverages

  • Bodily injury liability — injuries you cause to others
  • Property damage liability — damage you cause to someone else’s property
  • Collision — damage to your car from a crash
  • Comprehensive — non-crash damage such as theft, hail, or animal strikes (per policy terms)
  • Uninsured / underinsured motorist — when the other driver has little or no insurance
  • Medical payments / PIP — medical costs after an accident (availability varies by state)
Minimum legal limits are not always enough for a serious claim. A licensed agent can walk through options that fit how you drive and what you own.

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Next step

Ready to talk through a policy? A licensed agent calls during business hours (Mon–Fri 9–5 CT):