Your Car Insurance Policy

What are the most common types of car insurance policies?

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.

Ava Lynch
Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.