Drive with confidence, wherever the road takes you.

Liability auto insurance only provides coverage for third-party injuries and property damage when you are determined to be responsible. Liability auto insurance does not provide coverage for damage to your own car or injuries experienced by you or your passengers.

For example, imagine you hit another vehicle and are determined to be at fault. Both vehicles are damaged. Your liability coverage will pay for repairs to the vehicle you hit (subject to the policy terms and limits), but it will not pay for the repairs to your vehicle.

Full coverage car insurance refers to robust car insurance that includes liability insurance as well as collision and comprehensive insurance, possibly with other protections like uninsured and underinsured motorist coverage. Collision and comprehensive insurance covers damage to your vehicle from collisions, fire, theft, vandalism, animals, severe weather and other perils. Uninsured and underinsured motorist insurance provides coverage for injuries sustained by you or your passengers if another driver without adequate insurance causes a collision.

State laws vary, but most states require drivers to carry liability coverage. Drivers with car loans typically need to maintain collision and comprehensive insurance as part of the loan agreement. Other types of insurance, including uninsured and underinsured motorist coverage, are usually recommended but not required.

State law sets the minimum amount of auto insurance that drivers need to maintain. Most states require auto liability insurance for third-party property damage and bodily injury, and states with no-fault car insurance systems may require personal injury protection coverage as well.

Keep in mind that this is the minimum amount of coverage required. You may want or need more. For example, if you’re financing your car, your lender likely requires you to buy collision and comprehensive insurance. You may also want uninsured and underinsured motorist coverage, roadside assistance, and higher liability limits to protect yourself from unexpected costs.

Yes. High-risk and new drivers still need auto insurance. While some carriers may turn them down, other carriers are willing to cover them. Mavrix can help you explore your car insurance options.

Yes. Due to their inexperience, young drivers tend to have higher accident rates compared to older drivers, so they face higher car insurance costs. However, it is possible to find affordable car insurance for new drivers, and young drivers may qualify for good student discounts. Mavrix can help you find affordable coverage.

Standard personal auto insurance excludes commercial activity, including using your car for ridesharing. If you are using your personal car for business, you may have a coverage gap, but you can secure the coverage you need with an additional policy or endorsement.

The same driver can be charged vastly different premiums depending on the insurance carrier they use. An independent car insurance agent can help you compare auto insurance rates from different carriers so you can find the best rates. When you go directly to insurers to get car insurance quotes, you may overlook some of the best options. An auto insurance brokerage can also help you consider other strategies to save money on car insurance, such as bundling your insurance policies or asking for discounts.

To buy auto insurance online, the first step is to get a quote. You’ll need to provide a little information about yourself and your car. Use the button below to get started.