Your Car Insurance Policy

What are the most common types of car insurance policies?

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By Ava Lynch

Updated March 18, 2025

Edited By Renata Balasco

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.

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

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.

Car Insurance with Telematics	Car Insurance for Pleasure Use Drivers
Pay-per-Mile Car Insurance	Pleasure vs. Commuting Car Insurance
Car Insurance for Commuters

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About The Zebra

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 editorial 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.