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Last updated: September 15, 2023

Auto Insurance Frequently Asked Questions

Everything you’ve wanted to know and more

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Whether you’re a first-time driver buying auto insurance or a veteran looking to switch providers, finding answers to your auto insurance questions can be challenging. At, we answer all of your auto insurance-related questions in the following pages of frequently asked questions.

From how much car insurance your state requires (such as liability coverage, collision coverage, and comprehensive coverage) to how your credit score and driving record affect your car insurance coverage, there are few topics we haven’t addressed below. Read on to learn about what your auto insurance covers, which may or may not include collision and comprehensive insurance or liability insurance.


To see what auto insurance coverage your state requires, read our complete guide to auto insurance.


The type of automobile you have could influence the cost of your auto insurance. The most affordable type of auto to insurance is a small SUV, while the most expensive is a half-ton crew pickup.1


If we’ve answered all of your questions and you’re ready to choose a provider, read our list of the best auto insurance. We’ve included options for all circumstances, from people with DUIs in the past to people with bad credit.

Of course, everyone who drives in the United States needs auto insurance of some kind,2 but there’s no point in paying more for it than necessary. We’ll help you find reliable coverage for the lowest amount possible, using our extensive database and local agent network. You’re sure to find the auto insurance company that suits your needs, whether you are under the age of 25, have just moved states, or are active military personnel. As long as you pay your premiums, if you file a claim, you should be able to claim a covered loss.



  2. A Shopping Tool for Automobile Insurance. National Association of Insurance Commissioners. (2014).