Your Car Insurance Policy

What are the most common types of car insurance policies?

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By Ava Lynch Info icon
Updated June 13, 2025
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Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Credentials
  • 9+ years of Experience in the Insurance Industry
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Renata Balasco

Senior Content Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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  • Licensed Insurance Agent — Property and Casualty
  • 5 years of experience in the insurance industry
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What is an auto insurance policy?

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.

Popular car insurance policy types

Below are some popular and standard car insurance policy classifications. You can purchase these policies from national and local insurance providers.

State-specific and niche policies

Below are policies that may be subject to state requirements and are often more niche. These options aren’t always available in every area.

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