Liability
Pays for injuries and damage you cause to others, including legal costs.
Best for · Every driver
Auto insurance
Auto insurance for every driver in your family.
From the family SUV to a teen’s first car — the right coverage at the right price.
Family, luxury & EVTeen driversBundle with home to save
Coverage options
Four parts of a strong auto policy.
Free quote · No obligation
Auto insurance quote
About 3 minutes. Your current policy helps, but isn’t required.
Step 1 of 4 · Main driver
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Back to homeHow much car insurance do I need?
State minimums are rarely enough if you own a home or have savings. Most families should carry at least 250/500/250 liability, plus a $1 million umbrella policy.
What affects my rate?
Where you live, who drives, driving records, the car’s value, mileage and the limits you choose. Bundling with home often lowers it.
Should I add my teen to my policy?
Usually, yes. It costs less than a separate policy and gives them your higher limits. Good-student discounts help too.
Do I need an umbrella policy?
If you own a home, have savings or have a teen driver, yes. It adds $1 million or more of liability for a modest yearly cost.