Learn more about auto Insurance coverage and charges
Most policies cover you, your family, and people driving your car with your permission.
Ask your agent or read your policy to know who your policy covers and if anyone is excluded from coverage.
Coverages vary by policy and depend on the types of coverages you choose.
This table shows some of the things most policies do and don’t cover.
Read your policy or talk to your agent to be sure of your exact coverages.
Damage to your car because of fire, hail, theft,flood, flying gravel, or hitting an animal
(if you have comprehensive coverage)
Accidents that happen while you or someone covered by your policy is driving a rental car
Accidents that happen while you’re driving in other states and Canada
Your attorneys’ fees if you’re sued because of an accident
Car repair, lost wages, and medical and funeral bills to the other
driver and passengers if you cause an accident
Accidents that happen while you’re driving for a ride-hailing
service or delivering food or other items for a fee
Accidents that happen while you’re driving a car that doesn’t belong
to you but you could use regularly, like a company-owned car
Equipment not permanently installed in your car
Accidents that happen while you’re driving in Mexico, driving for business, or racing
Damages that you caused intentionally
Your driving record and claims history.
Insurance companies will charge you more if you’ve had accidents
or gotten tickets. Some companies might refuse to sell you a policy.
Rates are higher if you live in a city. This is because people
in cities are more likely to have accidents or have their cars
stolen than people in rural areas. Rates can also vary between ZIP codes in the same city.
The kind of car you have.
Collision and comprehensive rates are highest for luxury,
high-performance, and sports cars. Rates are also higher
for cars that cost more to repair.
Your rates will be higher if you drive your car to
and from work or use it for business.
Some companies use your credit score to decide what to charge you.
To find out which companies use credit scores.