Your Car Insurance Policy
Auto insurance policies vary in coverage options, including liability, collision, and comprehensive. It's essential to understand the different types to choose the best policy for your needs.
Why you can trust The Zebra
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
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.
RECENT QUESTIONS
What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?
Can I get car insurance that only charges me when I drive?
Can I insure a car that is being financed by someone else?
Do I need to put everyone in my household on my Progressive policy?
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.
