Mandatory in nearly every U.S. state
Bodily Injury & Property Damage Liability
Pays covered medical bills, lost wages, legal defense, and vehicle or property repairs when you are at fault in an accident.
U.S. Auto Policy Coverage Guide
Compare Liability, Collision & Full Coverage Auto Insurance.
Choosing the right limits and deductibles keeps you compliant with state law and lender rules without overpaying for duplicate add-ons. Review real coverage combinations in one call.
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Compare Quotes Across Major U.S. Carriers
Checked through participating state-licensed agencies
Carrier participation and policy availability vary by state, vehicle, and underwriting eligibility.
Core Policy Components
Six Coverages Licensed Agents Quote Side by Side.
Online estimators often default to bare state minimums to advertise a low teaser number. When you speak with a licensed agency, you can price the exact limits your household actually needs.
Typically required on financed or leased vehicles
Collision Coverage
Covers repair or actual cash value replacement of your own car after colliding with another vehicle or stationary object, minus your deductible.
Typically required by auto lenders and lessors
Comprehensive Coverage
Protects your vehicle against non-collision events including hail, theft, vandalism, falling trees, flooding, glass breakage, and animal strikes.
Required in select states; optional in others
Uninsured & Underinsured Motorist (UM/UIM)
Helps pay medical expenses and, in eligible states, vehicle damage if you are hit by a hit-and-run driver or someone carrying insufficient limits.
PIP required in no-fault states such as FL, MI, NJ, NY
Medical Payments (MedPay) & PIP
Covers medical treatment for you and your passengers regardless of fault, and in Personal Injury Protection states can include partial wage loss.
Optional policy endorsements
Roadside & Rental Reimbursement
Covers emergency towing, battery jump-starts, and daily rental car allowances while your insured vehicle is in the shop for a covered claim.
How Split Liability Limits Work (Example Tiers)
Split limits appear as three numbers (in thousands): bodily injury per person / bodily injury per accident / property damage per accident.
| Coverage Tier | Typical Split Limit | Best Suited For |
|---|---|---|
| State Minimum Liability | 25/50/25 (varies by state) | Drivers prioritizing the lowest legal monthly cost on an older paid-off vehicle. |
| Balanced Commuter Protection | 50/100/50 + $500 or $1,000 deductible | Everyday commuters with financed vehicles who want stronger property damage protection. |
| Higher Asset Protection | 100/300/100 + UM/UIM | Homeowners and multi-car households shielding income and savings against severe claims. |
Common Questions
Auto Insurance Coverage Questions
Liability coverage pays for injuries and property damage you cause to others up to your policy limits. Full coverage typically pairs liability with collision and comprehensive protection for damage to your own vehicle.
State minimums satisfy legal driving requirements, yet repair bills and medical claims often exceed minimum thresholds. Many drivers compare 50/100/50 or 100/300/100 liability limits to protect personal savings.
Moving from a $500 deductible to a $1,000 deductible generally lowers your recurring premium because you agree to pay more out of pocket if you file a physical damage claim.
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Call (848) 467-1057
Free service · No obligation