Your Car Insurance Policy
What are the most common types of car insurance policies?
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.
Company and state-specific policies
Below are policies often subject to state and company-specific requirements. These are not always available.
Related content
- State Farm vs. Costco Car Insurance
- Pay-Per-Mile Car Insurance
- Same-Day Car Insurance
- AARP Auto Insurance
- Costco Car Insurance Review
- 12-Month Car Insurance: Pros and Cons
- Car Insurance After a Policy Cancellation
- Car Insurance for Multiple Drivers
- How Long Can You Stay on Your Parents' Car Insurance Policy?
- What is a Named Driver Policy?
RECENT QUESTIONS
Other people are also asking...
Is it mandatory to list my adult child on my policy if they live in my home but will not drive my vehicle?
Insurance companies generally require that any person living in the household be listed on your policy regardless of driving status. If a member of your household won't be driving your vehicle then you can normally exclude them from coverage or have them listed as a non-driver. The reason is b…
What's max amount of cars allowed on State Farm insurance policy?
To get an exact answer to your question you would need to contact State Farm directly, but generally most insurance companies will allow up to four cars on a policy. However, keep in mind that some companies have rules about how many cars you can list per number of drivers. For instance, if you onl…
Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household alr…
How many cars can I list under one insurance policy?
The maximum allowable number of drivers and vehicles that can be insured on any particular car insurance policy will vary by company. While there is no set standard, most insurance companies will allow their customers to insure up to 4 drivers and 4 vehicles on a single policy. This does not mean t…
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.