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Choose a plan that fits how you drive

Auto insurance should be easy to understand, quick to customize, and built around your life, not just your car. So we keep it to three plan levels, each matched to a different mix of needs, driving habits, and budget. Whether you want the legal basics, full protection for your vehicle, or premium extras for total peace of mind, there’s a fit here.

Flexible options, transparent pricing, protection you can count on

Basic

Essential coverage for everyday drivers. Straightforward protection at an affordable price.

Meets your state’s minimum insurance requirements and gives you key financial protection when you’re at fault in an accident. A good match if you want affordable, legally compliant coverage without the extras.

Includes injury and property damage liability, medical payments or PIP, and uninsured or underinsured motorist cover where required.

Who it’s for

Drivers of older vehicles, students, low-mileage drivers, and anyone who wants budget-friendly protection without unnecessary add-ons.

Recommended

Standard

Balanced coverage for real-world risks. Smart, flexible, and ready for life’s curveballs.

Includes everything in Basic and adds collision and comprehensive coverage, the protections that matter most on newer or financed vehicles.

Adds collision, comprehensive, rental reimbursement, and roadside assistance.

Who it’s for

Daily drivers, families, owners with auto loans or leases, and anyone who wants dependable coverage beyond the basics.

Premium

Maximum coverage with premium features. Top-tier protection with extra convenience and value.

Built for drivers who want it all: higher limits, added financial safeguards, and enhanced support when something goes wrong.

Adds full replacement cost with no depreciation, GAP insurance, custom equipment protection, a claims concierge, and identity theft assistance.

Who it’s for

New-car owners, drivers of high-value vehicles, long-distance commuters, and anyone who wants the most confidence behind the wheel.

See what’s included

Every coverage line, side by side.

Coverage Basic Standard Premium
Protecting you and others
Bodily injury liability Included Included Included
Property damage liability Included Included Included
Medical payments / PIP Included Included Included
Uninsured / underinsured motorist (where required) Included Included Included
Protecting your vehicle
Collision coverage Not included Included Included
Comprehensive coverage Not included Included Included
Full vehicle replacement cost (no depreciation) Not included Not included Included
Custom equipment protection Add-on Add-on Included
GAP insurance Add-on Add-on Included
Glass repair with no deductible Not included Not included Add-on
Support and extras
Roadside assistance Add-on Included Included
Rental car reimbursement Add-on Included Included
Rideshare coverage Add-on Add-on Add-on
Claims concierge service Not included Not included Included
Identity theft assistance Not included Not included Included

“Add-on” means the extra can be included with that plan. Uninsured and underinsured motorist coverage is included where required.

Not sure which plan? Answer three questions

A quick guide to the plan that usually fits. An advisor can confirm it with you.

How do you pay for your car?
How much do you drive?
What matters most to you?

Your match

Answer all three questions

Pick an option in each group and your suggested plan appears here.

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Add-ons for any plan

Your insurance should be as individual as your lifestyle. Add any of these to whichever plan you choose.

Roadside assistance

Emergency help around the clock, anywhere in the U.S.

Rental car coverage

Get reimbursed for getting around while your car is being repaired.

GAP coverage

Guards against a financial loss if your car is totaled while you still owe on the loan or lease.

Custom parts protection

Covers rims, wraps, and high-end stereo systems.

Rideshare insurance

Coverage during your rideshare or delivery shifts.

Plan questions

Something we didn’t cover? An advisor is a call away.

Which plan should I start with?

Standard is a well-rounded starting point. It builds on Basic with collision and comprehensive coverage, plus rental reimbursement and roadside assistance.

I have a car loan or lease. Where should I start?

Many drivers with financed or leased cars start with Standard, since it adds collision and comprehensive. Premium goes further with GAP insurance and full replacement cost. An advisor can help you decide.

Can I add extras to the Basic plan?

Yes. Every add-on, from roadside assistance to rideshare cover, can be included with any plan.

Can I change plans later?

You can customize everything online or by phone, so it’s easy to move up or adjust your coverage as your needs change.

How long does it take to get a quote?

Getting a quote is quick and easy, and licensed advisors are available if you’d like help choosing.

Let’s find the right plan for you

Everyone deserves coverage that fits their vehicle, lifestyle, and peace of mind. We make it simple to build the right policy, whether you’re insuring one car or a household’s worth.

  • Fast, simple quotes
  • Licensed advisors to help you choose
  • Customize everything online or by phone
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An insurance advisor going over paperwork with a customer beside a red car