Auto Insurance FAQs

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.

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.

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.

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.

Auto insurance generally follows the car first, then the driver. Coverage details depend on your policy and state, so read your declarations page.