The Best Car Insurance Companies for 2022

Techforless spends thousands of hours researching, analyzing, and testing services to recommend the best picks for most consumers. Our mission is to simplify purchasing decisions.

How to Determine What Type of Car Insurance Coverage You Need

Almost every state has certain minimum insurance requirements that must be met in order to be a legal driver. In many states, this may only be liability coverage, though it could also include other coverages:

  • Personal injury protection: Not available in every state, this coverage goes toward paying your own medical expenses regardless of who is at fault in an accident.
  • Uninsured/underinsured motorist coverage: covers you in the event you are injured by a driver who carries no insurance -- or at least not enough to fully pay your medical expenses. Sometimes available for property damage (UMPD)as well.
  • Medical paymentscovers medical expenses for you and those in your vehicle up to your limit. Applies regardless of fault.
  • Collision coverage: covers collisions with another vehicle or fixed object
  • Comprehensive coverage: covers your car against non-collision physical damages
  • Gap coverage: pays the difference between what you owe on a loan and the car's value after depreciation
  • Roadside assistance: covers you in the event that your car breaks down. Usually covers the cost of towing, tire changes, and sometimes re-keying.