What does auto insurance cover?

Auto insurance typically covers bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and uninsured/underinsured motorist protection. Coverage availability and limits may vary by state.

How much auto insurance do I need?

The amount of auto insurance you need depends on your state's minimum requirements, the value of your assets, and your risk tolerance. Most experts recommend liability limits of at least $100,000/$300,000 for bodily injury and $100,000 for property damage.

How can I save money on auto insurance?

You can save on auto insurance by bundling policies, maintaining a clean driving record, taking defensive driving courses, installing anti-theft devices, and asking about available discounts like good student or multi-vehicle discounts.

Auto Insurance

Confidence Behind the Wheel

Tailored coverage that keeps you moving, whether you're commuting to work or taking a cross-country road trip.

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Core Auto Insurance Coverages

Bodily Injury Liability

Pays for medical expenses, lost wages, and legal costs if you are responsible for injuries to others in an accident.

Property Damage Liability

Covers the cost to repair or replace another person's vehicle or property — such as fences, buildings, or guardrails — if you cause an accident.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of who is at fault.

Comprehensive Coverage

Protects your vehicle from non-collision events, including theft, vandalism, fire, falling objects like tree limbs or debris, animal collisions such as hitting a deer, and severe weather damage.

Uninsured / Underinsured Motorist

Protects you and your passengers if you're hit by a driver who has little or no insurance to cover medical bills or damages. Coverage availability and limits may vary by state.

Recommended Add-On Coverages

Gap Insurance

Essential for new or leased vehicles. If your car is totaled, Gap Insurance pays the difference between what your car is worth and what you still owe on your loan or lease.

Full Glass Coverage

Repair or replace a cracked windshield or broken window with $0 deductible in most cases.

Rental Reimbursement

Pays for a rental car while your vehicle is being repaired after a covered claim — so your life doesn't stop.

Roadside Assistance

Covers common roadside emergencies, including towing, battery jump-starts, flat tire changes, and lockout services.

Rideshare Coverage

If you drive for a rideshare company like Uber or Lyft, your personal auto policy usually stops covering you once the app is turned on. A Rideshare Endorsement fills this dangerous coverage gap.

Money-Saving Discounts

Multi-Policy & Multi-Vehicle DiscountSave by insuring multiple vehicles or bundling auto insurance with home or renters insurance.
Good Student DiscountSignificant savings for student drivers who maintain a "B" average or higher.
Safe Driver Telematics ProgramsMany carriers offer apps that track safe driving habits like braking and speed. Good driving can lead to substantial discounts.
Pay-In-Full DiscountPaying your 6-month or annual premium in one payment often avoids installment fees and may reduce your overall cost.