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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 in an accident. Minimum limits vary by state from 15/30/5 in California to 50/100/25 in Maine, with most states requiring bodily injury and property damage coverage.
Full Coverage
Combines liability, collision, and comprehensive into one policy required by most lenders if you finance or lease. Adds an average of $800-$1,400 annually compared to liability-only, depending on your vehicle value and chosen deductibles.
Comprehensive Coverage
Covers non-collision damage like theft, vandalism, weather, and animal strikes that liability doesn't include. Typically costs $150-$300 per year with a $500 deductible, making it worthwhile for vehicles valued above $4,000.
Collision Coverage
Pays to repair your vehicle after an accident regardless of fault, minus your deductible. Accounts for 40-50% of full coverage premiums and becomes optional once your car's value drops below 10 times the annual premium cost.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance, required in 20 states and optional in others. Covers medical bills and vehicle damage that the at-fault driver can't pay, with limits typically matching your liability coverage.
