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Access coverage definitions, state-by-state minimum requirements, and carrier comparison tools across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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Liability InsuranceCovers bodily injury and property damage you cause to others in an at-fault accident. Required by law in 48 states with minimum limits ranging from 15/30/5 to 50/100/25 depending on location.

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Full CoverageCombines liability, collision, and comprehensive insurance into one policy. Typical full coverage policies include bodily injury liability of 100/300, property damage of 100, and deductibles between $500-$1,000.

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Comprehensive CoveragePays for vehicle damage from non-collision events including theft, vandalism, fire, hail, and animal strikes. Comprehensive claims account for approximately 6% of all auto insurance claims filed annually.

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Collision CoverageCovers damage to your vehicle from accidents with other cars or objects, regardless of fault. Collision coverage becomes optional once your vehicle value drops below 10 times your annual premium cost.

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Uninsured Motorist CoverageProtects you when hit by a driver with no insurance or insufficient coverage limits. Required in 20 states and recommended in all others, as approximately 13% of drivers nationally carry no insurance.

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Frequently Asked Questions

What's the difference between liability and full coverage?

Liability covers damage you cause to others but not your own vehicle. Full coverage adds collision and comprehensive insurance to protect your car from accidents, theft, weather damage, and vandalism.

Do I need uninsured motorist coverage?

Uninsured motorist coverage is mandatory in 20 states and highly recommended elsewhere. It pays for your medical bills and vehicle damage when the at-fault driver has no insurance or inadequate liability limits.

Can I compare quotes without entering personal information?

You can view state requirements, average rate ranges, and coverage definitions without providing personal details. Requesting actual quotes requires your zip code, vehicle information, and driving history to calculate accurate premiums.