Coverage explained
Car Insurance by Coverage Type
From state-minimum liability to full coverage and specialty policies, here’s what each type of car insurance covers and who needs it.
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Quick answer
The main types of car insurance are liability (injuries and damage you cause), collision and comprehensive (damage to your own car), and specialty coverages like SR-22. Full coverage combines liability with collision and comprehensive.
Types of coverage
Liability Insurance
Covers injuries and property damage you cause to others. Required in most states.
Full Coverage
Adds comprehensive and collision to repair or replace your own vehicle.
Cheap Car Insurance
Strategies to find the lowest legitimate rate for the coverage you need.
SR-22 Insurance
A certificate of financial responsibility required after certain violations.
High-Risk Driver Insurance
Coverage for drivers with accidents, tickets, or lapses on their record.
Teen Driver Insurance
How to insure a new or teen driver and keep premiums manageable.
Rideshare Insurance
Fills the gap between personal auto and commercial coverage for drivers.
Commercial Auto Insurance
Protects vehicles used for business use and work purposes.
How much coverage do you need?
State minimums keep you legal but rarely protect you fully. If you have assets to protect or a financed vehicle, higher liability limits and full coverage are usually worth it. Use our Coverage Match tool and insurance calculator to find the right balance, then compare quotes.
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Coverage type FAQs
A higher deductible lowers your premium, but you pay more out of pocket at claim time. It can make sense if you have savings to cover the deductible and rarely file claims. Make sure the premium savings justify the added risk.
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- Licensed in all 50 states
- No effect on credit score
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- Compare 120+ carriers