Auto Insurance
Protect yourself and your car from life’s unexpected turns. From fender-benders to theft, we’ll help you stay covered so you can focus on the road ahead.
Why do you need coverage?
- Required by most states for liability coverage
- Protect against costly accident claims
- Shield yourself from uninsured drivers
- Protect your leased or financed vehicle
What does our coverage do?
- Pays for repairs after theft or vandalism
- Protects passengers and authorized drivers
- Includes medical and lost-wage benefits
- Covers costs of towing and roadside assistance
Protect yourself and your vehicle.
Accidents happen fast. We help protect you from the financial impact of risks drivers face every day, so you can get back on the road quickly and safely.
Collisions and repairs
A brief lapse in focus or an aggressive driver can cause a crash that injures passengers, disables your car and interrupts daily life until it’s fixed.
Uninsured drivers
If another driver causes an accident but carries no insurance, you could face medical costs and vehicle damage without support.
Theft and vandalism
A stolen car or broken windows can leave you without transportation, force costly repairs and create financial strain before claims are processed.
Numbers to know
Injuries per year
5.1M
motor-vehicle injuries required medical care in 2023. (National Safety Council, 2025)
Uninsured drivers
15%
of drivers have no insurance, leaving others at financial risk. (Auto Dealer Today, 2025)
Our auto insurance can cover
- Electronic equipment and glass
- Personal injury protection
- Replacement cost and agreed value
- Roadside assistance
- Total loss
- Towing and repairs
- Uninsured motorist insurance
Frequently asked questions about personal auto insurance
Most states require a vehicle owner to have an insurance policy that covers bodily injury liability as well as property damage liability. Bodily injury liability covers costs for injuries or death that you, or another driver, cause while driving. Property damage liability pays for damage that you, or another person at the wheel of your vehicle, cause to another vehicle, or property such as a building. Many states also require medical payments or personal injury protection (PIP) to cover medical expenses for you or your passengers if you are injured in a crash.
Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car. Your policy also provides coverage for someone who is not on your policy when they drive your vehicle with your consent.
Your personal auto policy only covers personal driving, which includes commuting to work, running errands or taking a trip. It won’t provide coverage if you use your car for commercial purposes, like making deliveries of food or other items for a business, or providing transportation through a ride-sharing service.
According to Forbes, the national average cost for personal auto insurance is $1,601 annually for full coverage and $513 for state minimum coverage. Costs vary from state to state. Densely populated states can have a higher average than rural states with fewer drivers. Factors include the number of claims in your area, how much they cost and if your region has weather that creates dangerous driving conditions.
