Coverage Types

Types of Auto Insurance Coverage

Many of the types of auto insurance coverage available to you on the open market are available at affordable premiums. However, there's no need to purchase coverage that you don't need! This section should help you decide on the plan of action that best fits your family's needs. Each article explains a specific type of plan in detail, and they include three general "types" of coverage.

Required Auto Insurance

Almost all states require some form of auto insurance coverage. This type of coverage is known as "Minimum Liability" auto insurance, and it entails both Bodily Injury Liability and Property Damage Liability auto insurance. The coverage requirements are provided to you by your state - usually in the form of three numbers (for example, Alaska's minimum requirements are 50/100/25). In the example of Alaska, "50" represents $50,000 in personal injury liability coverage; "100" represents $100,000 in total personal injury liability (if more than one person is injured in an accident); and "25" is, of course, $25,000 in property damage liability. If you'd like to learn more about your state's requirements, you should visit our list of auto insurance by state.

Additional Auto Insurance

Nationally, over one in every six drivers had no auto insurance coverage. Many states will require uninsured motorist auto insurance and underinsured motorist coverage in order to protect you and your property from such drivers. Many states don't require this type of coverage, but usually recommend it, which is why we've listed these two major types of auto insurance as "additional" coverage.

Optional Auto Insurance

There are literally dozens of other options and alternatives to auto insurance that are available to you. Whether you decide to go with a bond through your state's treasury (available only in certain states), or you would like to add a comprehensive auto insurance policy to provide the ultimate protection, we have some great options that could meet your needs.

Even though these "optional" policies aren't required by your state, they'll provide security and protection when you need it most. Options may include:

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