Car Insurance Coverage

Understand the types of auto insurance coverages.
Couple relaxing knowing that they have AAA car insurance.

Choosing car insurance can be confusing. It's important to know what is required by law and the different types of coverages so you can find the right policy for you. Learn about minimum requirements and optional coverages before you get a quote or talk to an insurance agent.

Your state1 requires drivers to carry car insurance with the following minimums:
Type of coverage
Per person
Per incident
Bodily Injury Liability - Covers injuries to a person in the other car if you cause an accident.
$15,000
$30,000
Medical Payments - Covers you and your passengers' medical bills, no matter who is at fault.
$1,000
-
Uninsured Motorist Property Damage - Covers damage to your car from an accident where the uninsured driver is at fault.
-
$3,500
Property Damage Liability - Covers the cost of repairs if your vehicle damages someone's car or property.
-
$5,000
Additional coverage options to fit your situation:
Type of coverage
May cover the cost of repairing or replacing your vehicle if you’re involved in a crash, no matter who was at fault.
Pay your rental car costs when your vehicle is in the shop and the repairs are covered by your insurance policy.
Make up any difference between what your regular auto policy pays for your financed vehicle and what you still owe to the lender if your ride gets totaled.
Protect yourself if your vehicle is stolen, vandalized, or damaged by fire, flood, earthquake, falling objects, or various other causes that aren’t a collision.
Accidental Death Benefits
May pay end-of-life expenses if you’re involved in a fatal collision and don’t have life insurance coverage.
New Car Added Protection
Can pay for repairs or replace your new vehicle without depreciation should it be damaged or totaled in a covered loss.

Get customized car insurance to meet your needs and budget

Get the facts on auto insurance in Alaska, Arizona, California, Montana, Nevada, Utah, and Wyoming and learn the basics about your state's car insurance laws, requirements, and average rates.

Ready for an online car insurance quote?

Talk to an experienced AAA Insurance Agent to customize your policy and maximize your savings. Whether your vehicle is new, used, owned or leased, our agents know how to help . Call, send an email or visit a local branch to get started.

Answers to your car insurance coverage questions.