Your Car Insurance Policy

What are the most common types of car insurance policies?

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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 InsuranceCar Insurance for Renters
12-Month Car InsuranceCar Insurance for Condo Owners
6-vs-12-Month Car InsuranceCar Insurance for Homeowners
Car Insurance for Multiple DriversCar Insurance for Shared Vehicles
Car Insurance for Multiple VehiclesCar Insurance with Kids
Named Driver PolicyCar Insurance with a Nanny

 

Company and state-specific policies

Below are policies often subject to state and company-specific requirements. These are not always available.

Car Insurance with TelematicsAARP Car Insurance
Pay-Per-Mile Car InsuranceAARP vs. AAA Car Insurance
Car Insurance for CommutersCostco Car Insurance
Car Insurance for Pleasure Use DriversGEICO vs. Costco Car Insurance
Pleasure vs. Commuting Car InsuranceState Farm vs. Costco Car Insurance

 

Commonly advertised policies

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.

 

If you’re looking for other auto insurance policies, see the additional resources below!

 

Ready to shop for insurance?  See the following to get started.

Recent Questions:

Can I remove a vehicle from my policy if it is broken down?

If the vehicle isn't being driven then you don't have to insure it. However, Florida requires any registered vehicle to be insured so you may need to suspend the vehicle registration as well if you decide to remove it from your policy.
Jul 13, 2017 Pensacola, FL

Will Erie reinstate my policy after non-payment?

It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
Jan 18, 2018 Greensburg, Pennsylvania

I live with mom and we have an umbrella policy and a car insurance policy. I want to switch companies but mom says I can't.

When it comes to having an umbrella policy, anyone is able to purchase one. However, there are certain qualifications you are going to need in order to purchase one.
Jul 13, 2021 Danville, CA

Is it possible to insure three vehicles with two different companies?

You should be able to find a company that would only insure the other vehicle, if that's what you want to do. However, since there is a base cost associated with each policy it's normally recommended that you combine all of your vehicles on one policy since it's usually cheaper.
Nov 3, 2016 Los Angeles, CA

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

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 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.