Understand your auto insurance and the factors that can affect your coverage, cut down on claims and find more auto insurance tips and resources.

Answers to your auto insurance questions


Do I need auto insurance?

Yes. Nearly every state requires drivers to have auto liability insurance, and all states have financial responsibility laws that require you to have enough assets to pay claims if you cause an accident (if you don't have enough assets, you must purchase liability insurance). Penalties for not complying with these laws include fines, driver's license revocation and up to a year in jail for the first offense.


How much auto insurance do I need?

Your agent can help you determine the amount of coverage that's best for you. As mentioned above, you will likely need coverage to protect yourself from liability costs. You may also buy auto insurance that covers the repair or replacement of your vehicle and its contents in a variety of circumstances, including being hit by someone who's uninsured or underinsured.


How are my auto insurance rates determined?

Many factors influence the price of your auto insurance, including:

  • Your driving record
  • How often and how far you drive each year
  • Where you live
  • Your age
  • Your car
  • Your Insurance Bureau Score
  • The amount of coverage you purchase


Does my insurance policy cover a friend if I loan him or her my car?

If you loan your car to a friend, he or she will be covered under your auto insurance policy. However, such practices are discouraged because any accidents could affect your future policy premiums.

Helpful resources

For additional information about auto insurance and related topics.

Tips for smart drivers and families

Pointers to keep you and your family safe and insured behind the wheel.