Auto insurance quotes
Understand your coverage options, then compare quotes with a licensed agent by phone.
The main types of auto coverage
Liability coverage
Pays for injuries and property damage you cause to others in an accident. Most states require a minimum amount of liability insurance to drive legally.
Collision coverage
Helps pay to repair or replace your own car after a crash with another vehicle or object, regardless of who is at fault, minus your deductible.
Comprehensive coverage
Covers damage from events other than collisions, such as theft, fire, hail, flooding, or hitting an animal.
Uninsured and underinsured motorist coverage
Protects you if you're hit by a driver who has no insurance or not enough insurance to cover your costs.
Medical payments and personal injury protection
Helps pay medical expenses for you and your passengers after an accident. Some states require personal injury protection (PIP).
"Full coverage" usually means liability plus collision and comprehensive. Lenders and leasing companies often require it.
What affects your auto insurance rate
Every insurer weighs these factors differently, which is why prices for the same coverage can vary between companies.
Your driving record
Accidents, tickets and claims in recent years can raise your rate.
Your vehicle
Repair costs, safety features and theft rates for your make and model all play a part.
Where you live
Rates reflect local traffic, theft and weather risks, and state insurance rules.
How much you drive
Annual mileage and how you use your car, such as commuting or business use.
Coverage and deductible
Higher limits cost more; a higher deductible usually lowers your premium.
Available discounts
Some insurers offer discounts for bundling, safe driving or paying in full. Eligibility varies.
Request an auto insurance quote
Tell us about your vehicle and a licensed agent will call you with options.
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A licensed agent can walk you through your options. Monday to Friday, 9:00 AM to 7:00 PM ET.