How much auto insurance do I actually need?

Most households should carry at least 100/300/100 liability plus matching UM/UIM coverage. Add collision and comprehensive if your vehicle is worth more than 10× the annual premium.

Why are my rates so high?

The biggest drivers are ZIP code, vehicle type, age, driving record, and coverage level. State and credit-based insurance scores also matter in most states.

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Auto Insurance Hub

Everything you need to understand, compare, and optimize your auto insurance — premiums, coverages, state requirements, and proven savings strategies.

Frequently asked questions

How much auto insurance do I actually need?: Most households should carry at least 100/300/100 liability plus matching UM/UIM coverage. Add collision and comprehensive if your vehicle is worth more than 10× the annual premium.
Why are my rates so high?: The biggest drivers are ZIP code, vehicle type, age, driving record, and coverage level. State and credit-based insurance scores also matter in most states.

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