{"id":352569,"date":"2017-05-31T16:12:27","date_gmt":"2017-05-31T21:12:27","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/insurance\/automobile-insurance.html"},"modified":"2025-01-24T11:38:34","modified_gmt":"2025-01-24T16:38:34","slug":"automobile-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/insurance\/automobile-insurance.html","title":{"rendered":"Automobile Insurance"},"content":{"rendered":"\n
\n \n
\n

Automobile Insurance<\/h1>\n
\n
\n By Oni Harton, J.D.<\/a> | Legally reviewed by Melissa Bender, Esq.<\/a>\n | Last reviewed\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
\n

This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
\n

The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

Whether your only exposure to automobile insurance<\/a> is a commercial featuring a tiny green gecko or you’re already paying for insurance on your minivan, pick-up truck, and motorcycle, many of us don’t know the ins and outs of automobile insurance.<\/p>\r\n

It helps to know some of these laws and how they affect your rights and responsibilities as a driver. No federal law requires you to have automobile insurance. But almost all states require car insurance (all except New Hampshire). State laws vary relating to those requirements. This article will discuss important automobile insurance terms<\/a> and laws.<\/p>\r\n

Common Types of Car Insurance Coverage<\/h2>\r\n

Having an auto insurance policy means that in exchange for paying monthly premiums, your insurance carrier agrees to certain responsibilities. The car insurance company must help pay for specified damages sustained during a car accident<\/a> or other mishap after you file a claim<\/a>. You may pay for additional coverage for any number of coverage types.<\/p>\r\n

The auto insurance rate will depend on several factors. The auto insurance quote depends on any of the following, including:<\/p>\r\n