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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 Maine.
Full Coverage
Bundles liability, collision, and comprehensive into one policy. Typically required by lenders if you finance or lease your vehicle.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal collisions. Costs average $134 per year nationally, with deductibles typically between $250 and $1,000.
Collision Coverage
Pays for damage to your car after an accident, regardless of fault. Optional unless you have a loan or lease agreement requiring it.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Required in 20 states, optional but recommended in the remaining 30.
