Personal auto insurance
Coverage for your personal vehicles and household drivers, with liability limits that match what you have to protect.
What it generally covers
- Liability for injuries and damage you cause to others
- Collision and comprehensive for your own vehicle
- Uninsured and underinsured motorist coverage
- Medical payments or personal injury protection, depending on the state
- Rental reimbursement and roadside options
Who usually asks about it
- Households with one or more vehicles
- New drivers being added to a policy
- Business owners who also drive their personal vehicle for work
- Anyone considering a personal umbrella
Common questions
Are state minimum limits enough?
State minimums are the least you can carry. Many people choose higher limits, especially if they own a home or have savings to protect.
What if I use my car for business?
Many personal policies limit business use. If you drive for work, it's worth reviewing how your personal and business coverage fit together.
Do my limits affect an umbrella?
Yes. Umbrella carriers usually require minimum auto liability limits underneath.
Personal coverage is available in Georgia, Florida, Louisiana, Texas, Mississippi, Maryland and New Jersey.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.