Insurance information, explained clearly.
Help Insurance is an independent website for people in the United States. We research official and public sources and turn them into plain-English guides. We do not sell insurance.
How to read a declarations page
The first page of an auto policy lists each coverage with a limit or a deductible. This sample is an illustration, not a real policy or price.
- Bodily injury liability$100,000 / $300,000
The most the policy pays per injured person and per accident when you are at fault.
- Property damage liability$100,000
The most it pays for other people's vehicles and property.
- Uninsured motorist$100,000 / $300,000
Your own injuries when the at-fault driver has no insurance.
- Collision$500 deductible
You pay the first $500 of a covered crash repair to your own car.
- Comprehensive$500 deductible
Theft, hail, fire, flood and animal strikes, after the same $500.
Car insurance guides
Our first complete section. Start with the main guide, then go deeper on cost, quotes and each type of coverage.
Main guide
Car Insurance: Complete Guide to Coverage, Costs, Quotes & How It Works
What car insurance covers, what it costs on average, how quotes work and how to choose limits and deductibles, with figures from official U.S. sources.
Basics
How Car Insurance Works: A Complete Guide for Drivers
How an auto policy is structured, who and what it covers, how claims are handled step by step and what happens to your premium afterward.
Cost
How Much Does Car Insurance Cost? Average Rates & What Affects Your Price
U.S. drivers spent an average of $1,431 per vehicle on car insurance in 2024. See official averages by coverage, year and state, and what moves your own price.
Quotes and comparison
Car Insurance Quotes: How to Compare Rates and Coverage
What a car insurance quote is, what information you need, where to get quotes and a checklist for comparing them on equal terms.
Savings
Cheap Car Insurance: How to Lower Your Premium Without Sacrificing Important Coverage
Eight ways to pay less for car insurance, ranked by how much protection each one costs you, with worked examples for deductibles and older cars.
Savings
Cheapest Car Insurance: What to Compare Before Choosing a Policy
There is no single cheapest car insurance company. Learn why, what a minimum policy leaves uncovered and what to check before choosing the lowest price.
Quotes and comparison
Best Car Insurance: How to Compare Companies, Coverage and Prices
No insurer is best for everyone. Use public complaint data, financial strength ratings and matched quotes to find the best car insurance for you.
Coverage types
Liability Car Insurance Explained: Coverage, Limits and Costs
What liability car insurance covers, how to read limits such as 30/60/25, what each state requires, what it costs on average and how much to carry.
Coverage types
Full Coverage Car Insurance: What It Covers and How Much It Costs
Full coverage usually means liability plus collision and comprehensive. See what that includes, what it leaves out, what it costs and when to keep it.
Coverage types
Comprehensive Car Insurance: What It Covers, Exclusions and Costs
Comprehensive covers theft, weather, fire, flood, vandalism and animal strikes. See what it excludes, what it costs by state and whether you need it.
Coverage types
Collision Car Insurance: What It Covers and When You May Need It
Collision insurance pays to repair your car after a crash, whoever was at fault. See what it covers, what it costs and how to decide whether to keep it.
Why you can rely on what you read here
- Independent
- We are not an insurer, agent or broker. We do not sell policies or collect quote requests.
- Official sources first
- Figures and legal requirements come from regulators, state agencies and primary research, and each one is linked.
- No invented numbers
- When a reliable figure does not exist, we say so instead of estimating one.
- Dated and corrected
- Every guide shows when it was published and last updated, and we fix errors that readers report.
Research methodologyEditorial guidelinesAbout Help Insurance
What we cover
Car Insurance
Coverage types, costs, quotes and how auto policies work for drivers in the United States.
Health Insurance
Plans, enrollment and costs. We are still researching this section.
Home Insurance
Homeowners and renters coverage. We are still researching this section.