Most policies bundle several types of coverage. Here's what each one does — and what it doesn't.
Required in every state. Covers damage and injuries you cause to others. Does NOT cover your own car or injuries.
Covers your car after an accident — whether you caused it or not. Required if your car is financed.
Covers non-collision damage: theft, fire, weather, animals, vandalism. Usually cheap to add.
Covers you when the other driver has no insurance (1 in 8 drivers). Often required by law.
Covers medical bills for you and your passengers regardless of fault. Required in no-fault states.
Covers the gap between what your car is worth and what you owe. Critical for new cars.
The most common question — and the answer depends on your car's value.
The rule: If your annual collision + comprehensive premium is more than 10% of your car's actual cash value, consider dropping to liability only.
These exist at most insurers — but you usually have to ask.
Install the app or plug-in device. Safe drivers save 5–30%. Best for low-mileage or off-peak drivers.
AAA, alumni associations, employer programs, professional groups — often 5–15% discount.
Skip monthly installments and pay your annual premium upfront. Saves 5–10% with most insurers.
A certified course saves 5–10% at most insurers, especially for seniors and young drivers.
Combine auto + home with one insurer for multi-policy discounts. Biggest single discount available.
Two or more cars on the same policy. Standard discount at all major insurers.
Independently rated — no sponsored rankings.
| Provider | Our rating | Avg. monthly | Best for | Standout feature |
|---|---|---|---|---|
| State Farm | ★★★★★ 4.5 | $108 | Best overall | Drive Safe & Save telematics |
| Geico | ★★★★☆ 4.4 | $94 | Lowest rates | KnowYourDrive app |
| Progressive | ★★★★☆ 4.3 | $112 | High-risk drivers | Snapshot + Name Your Price |
| Liberty Mutual | ★★★★☆ 4.1 | $121 | Most customizable | Better car replacement |
| Allstate | ★★★★☆ 4.0 | $118 | Bundle savings | Accident forgiveness |
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