Auto Insurance

Comprehensive Personal and Commercial Auto Insurance solutions designed to protect vehicles, drivers, passengers, and businesses from accidents, damage, and liability. Includes coverage explanations, why it matters, and typical premiums.

Personal Auto Insurance

Protection for individuals and families driving personal vehicles.

A white off-road vehicle driving through a shallow river in a mountainous landscape under cloudy skies.

  • What it is: Covers injuries or property damage you cause to others in an accident.
    Why it’s needed: Required by law; protects personal assets from lawsuits.
    Typical premium: $500–$1,500/year (~2%–5% of vehicle value).
    Example: $25,000 car, $100,000/300,000 BI/PD limit → ~$1,000/year (~4%).

  • What it is: Pays for damage to your own vehicle in an accident, regardless of fault.
    Why it’s needed: Protects your car’s value; usually required if financed.
    Typical premium: $300–$1,000/year (~1%–3% of vehicle value).
    Example: $25,000 car → ~$500/year (~2%).

  • What it is: Covers non-collision damage such as theft, fire, hail, or vandalism.
    Why it’s needed: Protects your car from unexpected events outside your control.
    Typical premium: $150–$500/year (~0.5%–2% of vehicle value).
    Example: $25,000 car → ~$300/year (~1.2%).

  • What it is: Covers injuries or damages caused by drivers without sufficient insurance.
    Why it’s needed: Protects you if the at-fault party cannot pay for damages.
    Typical premium: $100–$300/year (~0.4%–1.2% of vehicle value).
    Example: $25,000 car → ~$200/year (~0.8%).

  • What it is: Covers medical expenses for you and passengers after an accident, regardless of fault.
    Why it’s needed: Provides immediate medical expense coverage.
    Typical premium: $50–$200/year (~0.2%–0.8% of coverage limit).
    Example: $10,000 PIP coverage → ~$100/year (~1%).

Commercial Auto Insurance

Protection for businesses with owned, leased, or hired vehicles.

A blue semi-truck with a large front grille, driving on a wet road during sunset or sunrise, pulling a trailer with white bags, with autumn foliage and power lines in the background.

  • What it is: Covers multiple vehicles under a single commercial policy.
    Why it’s needed: Efficient for businesses with several vehicles; liability and physical damage included.
    Typical premium: $1,500–$15,000/year per vehicle (~2%–6% of vehicle value).
    Example: 5-vehicle fleet, $50,000 each → ~$10,000/year (~4% per vehicle).

  • What it is: Covers liability for vehicles your business rents or employees use personally for business purposes.
    Why it’s needed: Protects businesses without owning the vehicles.
    Typical premium: $300–$1,500/year (~0.5%–2% of estimated liability exposure).
    Example: $1M aggregate liability → ~$750/year (~0.075%).

  • What it is: Covers liability and physical damage for commercial trucks, cargo, and trailers.
    Why it’s needed: Required by federal law; protects against accidents, cargo loss, and environmental damage.
    Typical premium: $5,000–$20,000/year (~1%–5% of vehicle/cargo value).
    Example: $100,000 truck + $50,000 cargo → ~$7,500/year (~5% of combined value).

  • What it is: Covers businesses that sell, service, or repair vehicles against liability claims.
    Why it’s needed: Protects against property damage, bodily injury, and garage operations risks.
    Typical premium: $1,500–$10,000/year (~0.2%–1% of annual revenue).
    Example: Auto repair shop, $1M revenue → ~$3,000/year (~0.3%).

  • What it is: Covers damage to customer vehicles while in your care, custody, or control.
    Why it’s needed: Essential for repair shops, dealerships, and valet operations.
    Typical premium: $500–$5,000/year (~0.5%–1% of average customer vehicle value).
    Example: Coverage limit $200,000 → ~$1,200/year (~0.6%).

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