Coverage that protects you, whatever road you choose.

Most states require a vehicle owner to have an insurance policy that covers bodily injury liability as well as property damage liability. Bodily injury liability covers costs for injuries or death that you, or another driver, cause while driving. Property damage liability pays for damage that you, or another person at the wheel of your vehicle, cause to another vehicle, or property such as a building. Many states also require medical payments or personal injury protection (PIP) to cover medical expenses for you or your passengers if you are injured in a crash.

Your auto policy will cover you and other family members on your policy, whether driving your car or someone else’s car. Your policy also provides coverage for someone who is not on your policy when they drive your vehicle with your consent.

Your personal auto policy only covers personal driving, which includes commuting to work, running errands or taking a trip. It won’t provide coverage if you use your car for commercial purposes, like making deliveries of food or other items for a business, or providing transportation through a ride-sharing service.

According to Forbes, the national average cost for personal auto insurance is $1,601 annually for full coverage and $513 for state minimum coverage. Costs vary from state-to-state. Densely populated states can have higher average than rural states with fewer drivers. Factors include the number of claims in your area, how much they cost, and if your region has weather that creates dangerous driving conditions.