The Six Types of Car Insurance in 2025

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After an accident, pays for other people's expenses. required in almost all states.

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Pays to repair or replace the policyholder's car after an accident, regardless of fault. Only required for leased or financed vehicles.

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Pays to repair or replace the policyholder's car after an accident, regardless of fault. Only required for leased or financed vehicles.

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Pays for the policyholder's direct and indirect medical expenses following an accident. Twelve states have made it mandatory.

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Covers vehicle damage and medical expenses after an accident with an uninsured/underinsured driver. Required in 20 states.

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Pays for the policyholder's direct medical expenses following an accident. In two states, it is required.

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The Six Types of Car Insurance in 2025

The Six Types of Car Insurance in 2025

After an accident, pays for other people's expenses. required in almost all states.

Liability Car Insurance

Pays to repair or replace the policyholder's car after an accident, regardless of fault. Only required for leased or financed vehicles.

Collision Car insurance

Pays to repair or replace the policyholder's car after an accident, regardless of fault. Only required for leased or financed vehicles.

Comprehensive Car Insurance

Pays for the policyholder's direct and indirect medical expenses following an accident. Twelve states have made it mandatory.

Personal Injury Protection

Covers vehicle damage and medical expenses after an accident with an uninsured/underinsured driver. Required in 20 states.

Uninsured/Underinsured Motorist Coverage

Pays for the policyholder's direct medical expenses following an accident. In two states, it is required.

Medical Payments (MedPay) Coverage

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