: Protects you if you're hit by a driver who lacks insurance or doesn't have enough to cover your costs.

Auto insurance is built from several core components, ranging from state-mandated coverage to optional add-ons that protect your own vehicle and assets. Core Coverage Components

: Covers non-accident damage, such as theft, vandalism, fire, natural disasters, or hitting an animal.

: Prevents your premium from spiking after your first at-fault accident. Top-Rated Providers (April 2026)

: Offers help for breakdowns, flat tires, dead batteries, or towing.

: Pays the difference between what you owe on a loan/lease and the car's actual cash value if it's totaled.

Auto insurance coverages and discounts * What we cover. Collision, comprehensive, liability, medical payments and more. Standard & Nationwide Mutual Insurance Company