Shield / Auto Insurance Estimator
🚗 Auto Insurance Coverage Estimator
Get an estimated monthly premium range plus the right coverage types and deductibles for your vehicle — free and private.
🚙 Your vehicle & profile
Cleanno tickets
Minor1–2 tickets
MajorDUI/accidents
Minimumliability only
Standard+ collision
Fullcomprehensive
✅ Your estimate
Estimated monthly premium
$0 – $0
≈ $0 per year · estimates only
Recommended coverage
Suggested deductibles
Understanding auto insurance coverage
Choosing the right auto insurance isn't just about hitting the legal minimum — it's about protecting your finances if something goes wrong. Here's what each coverage type does and when you need it.
The main coverage types
- Liability — pays for injuries and damage you cause to others. Required by law in nearly every state.
- Collision — pays to repair or replace your car after a crash, regardless of fault.
- Comprehensive — covers theft, vandalism, weather, falling objects, and animal strikes.
- Uninsured/Underinsured motorist — protects you if an at-fault driver has no (or too little) insurance.
- Personal Injury Protection (PIP) / Medical payments — covers medical bills for you and your passengers.
How to save on premiums
- Compare quotes from several insurers — prices for the same coverage can vary widely.
- Raising your deductible lowers your premium, but make sure you can afford it if you file a claim.
- Consider dropping comprehensive/collision on older, low-value cars where premiums approach the car's worth.
- Bundling auto with home/renters insurance often unlocks multi-policy discounts.
Premium estimates are rough averages for educational purposes only and are not quotes. Actual premiums depend on many factors including your exact location, age, credit (in most states), coverage limits, and the insurer. Always confirm your state's required minimums.