What are the most common types of car insurance policies?
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Your car insurance policy determines your coverage and your premium. In short, it is a way to organize car insurance coverage options to meet your needs. In this article, we’ll outline some popular car insurance policy types as well as some popular policies that may not exist exactly as advertised.
Below are some popular and standard car insurance policy classifications. You can purchase these policies from national and local insurance providers.
|6-Month Car Insurance||Car Insurance for Renters|
|12-Month Car Insurance||Car Insurance for Condo Owners|
|6-vs-12-Month Car Insurance||Car Insurance for Homeowners|
|Car Insurance for Multiple Drivers||Car Insurance for Shared Vehicles|
|Car Insurance for Multiple Vehicles||Car Insurance with Kids|
|Named Driver Policy||Car Insurance with a Nanny|
Below are policies often subject to state and company-specific requirements. These are not always available.
|Car Insurance with Telematics||AARP Car Insurance|
|Pay-Per-Mile Car Insurance||AARP vs. AAA Car Insurance|
|Car Insurance for Commuters||Costco Car Insurance|
|Car Insurance for Pleasure Use Drivers||GEICO vs. Costco Car Insurance|
|Pleasure vs. Commuting Car Insurance||State Farm vs. Costco Car Insurance|
There are many policies that are advertised by insurance companies that don’t actually exist as marketed. Below are some policy types worth being aware of. If you're interested in these policies, follow the link to learn more about alternative options.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.