AUTO INSURANCE
Auto insurance that actually matches how you drive.
State minimum liability limits were set decades ago in most states. Medical costs and vehicle repair costs ran past them long ago. We place auto coverage that would actually hold up in a real claim, not just a coverage card you hand to a police officer.
What it covers
What a standard auto policy includes.
What it covers
Liability coverage
Pays for injuries and property damage you cause to others in an at-fault accident. This splits into bodily injury liability, which covers other people's medical costs, and property damage liability, which covers their car or other property. It is the most important coverage on your policy. State minimums are almost never enough to cover a serious accident.
What it covers
Collision and comprehensive
Collision pays for damage to your vehicle from an accident. Comprehensive pays for damage from theft, vandalism, weather, animals, and falling objects. Both are typically required if you have a loan.
What it covers
Uninsured and underinsured motorist
Pays your medical bills and lost wages if you are hit by a driver with no insurance or not enough insurance. About one in eight drivers is uninsured. This uninsured motorist coverage protects you, not them.
What it covers
Medical payments and PIP
Pays medical expenses for you and your passengers regardless of fault. Some states require Personal Injury Protection. Either way, this is the coverage that pays first if anyone in your car is hurt.
Where policies have edges
What a standard auto policy does not cover.
Not covered
Business use
Using your personal vehicle for business deliveries, ride-share, or regular client visits is excluded under personal auto by the ride-share exclusion. You need a business auto policy or a ride-share endorsement.
Not covered
Mechanical breakdown and wear
Auto insurance covers sudden accidental loss, not the cost of normal repairs, maintenance, or parts wearing out. Mechanical breakdown coverage is a separate product.
Not covered
Intentional damage
Damage you intentionally cause to your own vehicle or someone else's is excluded. So is racing, speed contests, and using the vehicle to commit a crime.
Not covered
Custom equipment beyond standard limits
Aftermarket stereos, custom paint, lift kits, and other modifications are typically capped at $1,000 to $1,500 unless you specifically schedule them with the carrier.
Who needs this
Who needs Auto Insurance?
Anyone who owns or regularly operates a vehicle. Almost every state requires at least minimum liability coverage to register a vehicle, but most drivers should carry significantly more than the legal floor. If you ride on two wheels you also need separate motorcycle insurance.
What it costs
What can you expect to pay?
Varies widely by state, driver age and history, vehicle type, and coverage limits. Most drivers pay between $700 and $2,500 per year for a typical personal auto policy.
Requirements by state
How does this work in your state?
Auto Insurance rules, regulatory requirements, and available coverage vary by state. Send us your state and details through a free coverage review and we will confirm what applies to you.
If You Need to File a Claim
Claims tips
What you do in the first hour after an accident shapes what happens with your claim for the next year. The order matters.
- Make sure everyone is safe. Move to a safe location if the vehicles are drivable and you are uninjured. If anyone is hurt, call 911 first.
- Call the police even for minor accidents. A police report is the single most useful piece of evidence in any disputed claim. Get the report number on scene.
- Photograph everything. All damage, all vehicles, the scene from multiple angles, license plates, the other driver's insurance card, road conditions, and any visible injuries.
- Exchange information but stay neutral. Names, phone numbers, insurance carriers and policy numbers, license plates. Do not admit fault, apologize, or speculate about what happened. Stick to facts.
- Get witness contact info. Independent witnesses are extremely valuable. Anyone who saw what happened, get their name and phone number.
- Notify your carrier promptly. Even if the other driver was at fault and you do not plan to file a claim through your own policy, your carrier needs to know. Most policies require prompt notice.
- Do not give a recorded statement to the other driver's insurer. You are not required to. Talk to your own carrier or agent first. Anything you say can be used to reduce or deny their payout.
OUR CARRIER PANEL
Carriers We Work With
The carriers we compare are licensed and regulated in your state. We shop these markets and present the options that match your situation; a licensed advisor reviews the fit with you in a free coverage review.
Branch
Bundled home and auto insurance with fast digital quotes for Georgia families outside Atlanta city limits.
Learn moreChubb
Premier coverage for high-value homes, collectibles, and affluent families in North Atlanta.
Learn moreNational General Insurance
National General fills the gap for drivers and homeowners who do not qualify for preferred carriers. Auto, home, and umbrella from an admitt
Learn moreNationwide Insurance
Nationwide brings financial strength and a wide product range to personal and commercial clients. An honest review of their ratings, claims,
Learn moreProgressive Insurance
Progressive is strong on auto and specialty vehicles. How they compare on ratings, claims, and who they suit best.
Learn moreSafeco Insurance
Safeco sells exclusively through independent agents like Olive Cover. An honest review of their ratings, product strengths, and who they fit
Learn moreThe Hartford
The Hartford is one of the oldest carriers in America with deep expertise in small business coverage. An honest review of their ratings, str
Learn moreTravelers Insurance
Travelers is one of carriers reviewed by Olive Cover. An honest look at their ratings, strengths, weaknesses, and who they
Learn moreCommon Questions
Auto Insurance: frequently asked questions
What does uninsured motorist coverage do?
If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.
Does my auto policy cover a rental car?
Usually yes, if you have comprehensive and collision on your policy.
What does liability coverage on an auto policy pay for?
Liability coverage pays for injuries and property damage you cause to other people in an at-fault accident.
What is uninsured motorist coverage and do I need it?
Uninsured motorist (UM) coverage pays your injuries and sometimes property damage when you are hit by a driver with no insurance.
Does personal auto insurance cover driving for DoorDash or Uber?
No. Personal auto policies specifically exclude commercial and delivery use.