Auto insurance, explained
Understand car insurance before you buy
What each coverage actually does, how to lower your premium, and the questions worth asking — in plain language.
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Plain-language explanation of how the coverage works and what it pays for.
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Read more →Popular how-to guides
Common questions
＋ What is the minimum car insurance required?
Almost every state requires liability insurance; the exact limits vary by state. A few states allow alternatives like a bond. Check your state department of insurance for current minimums.
＋ Does my policy cover other drivers of my car?
Usually coverage follows the car, so a permitted driver is typically covered. Excluded drivers and regular drivers not listed on the policy can be exceptions — confirm with your insurer.
＋ How are car insurance premiums calculated?
Insurers weigh your driving record, vehicle, location, mileage, coverage choices, and (where allowed) credit-based insurance scores. Each company weights these differently, which is why quotes vary.
＋ What is an SR-22 and do I need one?
An SR-22 is a form your insurer files with the state proving you carry required coverage, often after certain violations. It is not insurance itself — it is proof of it.
＋ Does insurance follow the car or the driver?
Auto insurance generally follows the car first, then the driver. Coverage details depend on your policy and state, so read your declarations page.
Understand auto insurance before you buy
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