Auto Insurance Coverage Types
Understand every type of auto insurance coverage available, what each protects against, when it makes sense, and how much it costs.
Full Coverage
What "full coverage" means, what it includes, and when you need it.
Learn MoreLiability Insurance
Bodily injury and property damage liability — required in nearly every state.
Learn MoreCollision Coverage
Covers your vehicle damage from collisions, subject to deductible.
Learn MoreComprehensive Coverage
Theft, weather, vandalism, fire, and other non-collision damage.
Learn MoreUninsured/Underinsured Motorist
Protection when at-fault driver has no or insufficient insurance.
Learn MorePIP / MedPay
Personal Injury Protection and Medical Payments coverage explained.
Learn MoreGap Insurance
Covers difference between loan balance and car's actual value if totaled.
Learn MoreRental Reimbursement
Pays for rental car while yours is being repaired after a claim.
Learn MoreRoadside Assistance
Towing, lockout, jump-start, flat tire services.
Learn MoreRideshare Coverage
Insurance for Uber, Lyft, and gig economy drivers.
Learn MoreNon-Owner Insurance
Liability coverage for drivers who don't own a vehicle.
Learn MoreCoverage Comparison
| Coverage | What It Protects | Required? | Avg. Add-on Cost |
|---|---|---|---|
| Liability (BI/PD) | Injuries/damage you cause to others | Yes (49 states) | Base cost |
| Collision | Your car damage from crashes | If financed/leased | $300-600/yr |
| Comprehensive | Theft, weather, vandalism, etc. | If financed/leased | $150-400/yr |
| Uninsured Motorist | You vs. uninsured driver | Some states | $50-150/yr |
| PIP/MedPay | Your medical costs, any fault | No-fault states | $50-200/yr |
| Gap | Loan vs. value difference | Often required for new cars | $20-60/yr |
| Roadside Assist | Towing, lockout, jumps | No | $10-30/yr |
Not Sure What You Need?
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