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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.
Liability Insurance
Required in 48 states, liability covers damage you cause to others. Minimum limits range from 15/30/5 in California to 50/100/25 in Alaska.
Full Coverage
Combines liability, comprehensive, and collision into one policy. Typically required by lenders if you finance or lease your vehicle.
Comprehensive Coverage
Covers non-collision damage like theft, vandalism, weather, and animal strikes. Adds an average of $134 per year to your premium in most states.
Collision Coverage
Pays for damage to your car after an accident, regardless of fault. Average deductibles range from $500 to $1,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Mandatory in 20 states and recommended in all others where 1 in 8 drivers are uninsured.
