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Compare coverage types
The same six coverage types show up on nearly every US auto policy — here's how they stack up against each other.
How this table is built.
- Coverage limits, not just price
- Deductible options available
- Claims handling reputation signals available publicly
- Discounts genuinely available for the coverage
| Coverage Type | What It Covers | Typical Cost Driver | Who Needs It |
|---|---|---|---|
| Liability | Injury or damage you cause to others | Driving record, location, limits chosen | Every driver — required in nearly every US state |
| Collision | Your own vehicle after any accident, regardless of fault | Vehicle value, deductible chosen | Financed or leased vehicles, or owners who couldn't easily replace the car |
| Comprehensive | Non-collision damage: theft, weather, fire, animal strikes | Vehicle value, location risk (theft/weather) | Same as collision, especially in high-theft or severe-weather areas |
| Uninsured motorist | Your injuries and damage when the at-fault driver lacks adequate insurance | State minimums nearby, personal risk tolerance | Nearly everyone, given how many drivers carry only state minimums |
| Gap insurance | The difference between your loan balance and the car's actual cash value if totaled | Loan-to-value ratio, how new the loan is | Anyone financing or leasing a vehicle, especially in the first two years |
| Roadside assistance / rental reimbursement | Towing, lockouts, breakdowns, or a rental car while yours is repaired | Add-on cost, usage frequency | Drivers without a separate roadside plan, or anyone who'd need a rental during repairs |
This table describes coverage categories generally — it can't tell you the exact price, exclusions or claims experience of any specific insurer, since those vary by company and by state.
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