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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 start at $25,000 per person in some states, but many drivers carry $100,000+ for adequate protection.
Full Coverage
Combines liability, collision, and comprehensive into one policy. Costs 2-3x more than liability-only but protects your vehicle — typically required only if you have a loan or lease.
Collision Coverage
Pays for your vehicle repairs after an accident, regardless of fault. Optional in all states unless financing — average deductibles range from $500 to $1,000.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, and animal strikes. Costs less than collision but may not justify the premium for vehicles worth under $3,000.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Mandatory in 20 states and recommended nationally — approximately 13% of U.S. drivers operate without coverage.
SR-22 Insurance
A state filing proving you carry minimum liability after certain violations. Not a separate policy — it's a certificate your insurer files, typically adding $25-50 to your premium.
