Car Insurance Coverage
Understand the types of auto insurance coverages.
Manage your existing policy
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
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.
Does car insurance cover vandalism?
Does car insurance cover hail damage?
Does auto insurance cover theft of my personal items?
Does car insurance cover natural disasters?
Does car insurance cover water damage?
Does car insurance cover tire blowout damage?
Does car insurance cover lockouts?
Does car insurance cover bumper damage?
Does car insurance cover roof racks?
Does car insurance cover rust damage?
Does car insurance cover acorn damage?
Does car insurance cover hitting a garage door?
Do I need full coverage insurance on a used car?
1Source: Department of Insurance
Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines, and applicable laws. Multipolicy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply. Insurance premium does not include the price of Membership.
Insurance products in Arizona are offered through AAA Arizona Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444. Insurance products in California are offered through AAA Northern California Insurance Agency, License #0175868, in Montana by AAA Montana, Inc., License #9756, in Nevada by AAA Nevada and in Utah by AAA Utah. The provider of AAA Auto and Home Insurance is CSAA Insurance Group, a AAA Insurer.
Contact an insurance agent