Auto Insurance Policy Coverage Comparison Chart
Your auto insurance policy has different types of coverage. The chart below presents a high-level summary of the policy coverages and discounts offered by most of the companies on Helpinsure.com. Select one or more of the categories to view them in the chart. Use the coverage chart to compare coverages and discounts and to understand more about what the policy will cover. The discounts chart tells you what discounts each company offers. Discounts help you save money on your premium. Also view the Auto Policy Coverages document to learn more about the features of an auto policy.
A "Y" means the company offers the coverage or discount and an "N" means the company doesn't offer it. On the Common Exclusions chart, a "Y" means the company excludes the coverage (meaning the company doesn't offer the coverage) and an "N" means the company doesn't exclude the coverage (meaning the company does offer the coverage).
|Company||Coverage||Optional Coverage||Coverage Area||Cars the Policy Covers||Drivers the Policy Covers||Common Discounts||Deductibles||Common Exclusions||Policy Limits|
|21st Century Centennial Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|AAA Texas County Mutual Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||Y||N||N||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Allstate Fire and Casualty Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|Amica Mutual Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||Y||N||N||Y||Y||Y||N||N||Y||Y||Y||N||Y||N||N||Available at an extra cost||Y||Y|
|Chartis Property Casualty Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||N||Y||Y|
|Colonial County Mutual Insurance Company - Lone Star General Agency||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||Y||Y||N||N||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Colonial County Mutual Insurance Company - Titan||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||N||Y||Y||N||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|Consumers County Mutual Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||N||Y||Y||N||Y||Y||Y||Y||Y||Y||N||N||Y||Y||Y||Y||Y|
|Depositors Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||N||Y||Y||N||N||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Esurance Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||Y||N||N||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|Fireman's Fund Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|Government Employee Insurance Company||Y||Y||Y||Y||Y||Y||Available at an extra cost||Available at an extra cost||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||N||N||Y||Y||N||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Liberty County Mutual Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Loya Insurance Company||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||Y||N||Y||N||N||N||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||N|
|Mercury County Mutual Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||N||Y||Y||N||N||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Metropolitan Lloyds Insurance Company of Texas||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||Y||Y||Y||Y||Y|
|National General Assurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||N||Y||Y||Y||N||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|National General Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||N||Y||Y||Y||N||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|National Surety Corporation||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|Nationwide Agribusiness Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||N||Y||Y||N||N||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Progressive County Mutual Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||N||N||N||Y||Y||Y||N||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Safe Auto Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||N||Y||N||N||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||N|
|Safeco Auto Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||Y||N||N||Y||N||Y||N||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Southern County Mutual Insurance Company||Y||Available at an extra cost||Available at an extra cost||Available at an extra cost||Available at an extra cost||Available at an extra cost||Available at an extra cost||Available at an extra cost||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||N||Y||Y||Y||Y||N||Y||Y||Y||Available at an extra cost||Y||Y||Y||Available at an extra cost||Y||Available at an extra cost|
|State Farm County Mutual Automobile Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Not applicable||Y||N||Y||N||Y||Y||Y||Y||N||N||Y||Y||Y||Not Applicable||Y||N||Y||Y||Y||Y|
|State Farm Mutual Insurance Company of Texas||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Not applicable||Y||N||Y||N||Y||Y||Y||Y||N||N||Y||Y||Y||Not Applicable||Y||N||Y||Y||Y||Y|
|Texas Farm Bureau Casualty Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||N||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
|Unitrin County Mutual Insurance Company - Charter General Agency||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||N||Y||N||N||N||N||N||Y||N||Y||Y||Y||Y||Y||N||Y||Y||Y||Y|
|Unitrin County Mutual Insurance Company - Unitrin Direct General Agency||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||N||Y||Y||N||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y|
|USAA Casualty Insurance Company||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||N||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||Y||N||Y||Y||Y||Y||Y||Y|
- Coverage - What it Pays:
Liability - Pays expenses, up to your policy's dollar limits, for people in the other car involved in an accident that you, or someone covered by your policy, caused.
Personal injury protection (PIP) - Pays your medical and funeral bills resulting from an accident. Also pays 80 percent of your lost income and the cost of hiring a caregiver. Benefits are available regardless of fault. If you do not want PIP coverage, you must reject it in writing.
Uninsured/underinsured motorists (UM/UIM) - Pays your medical expenses and actual cash value for car repairs resulting from an accident caused by an uninsured motorist or a motorist who did not have enough insurance to cover your bills, up to your policy's dollar limits. Also pays to repair or replace personal property that was damaged in your car. If you do not want UM/UIM coverage, you must reject it in writing.
- Optional Coverage You May Buy - What it Pays:
Collision - Pays the cost of repairing or replacing your car after an accident whether or not you are at fault. You pay a deductible. Your lender may require this coverage.
Comprehensive (other than collision) - Pays the cost of replacing or repairing your car if it is stolen or damaged by fire, theft, explosion, earthquake, windstorm, hail, flood, contact with animals, falling objects, and glass breakage. You pay a deductible.
Medical payments - Pays your medical and funeral bills resulting from an accident. Benefits are available regardless of fault.
Towing and labor coverage - Pays towing charges when your car can't be driven. Also pays labor charges, such as changing a flat tire or jump starting your battery.
Rental reimbursement - Pays a set daily amount for a rental car if your car is stolen or is damaged and is being repaired. It only pays for rental when damage was caused by an event that your policy covers.
- Coverage Area - Where it Covers:
Coverage Area - Pays for coverage in the United States, its territories or possessions, and Canada.
- Cars the Policy Covers - What it Provides:
New, replacement, or additional cars you bought after you bought the policy - Provides new and replacement cars the same coverage as the car it replaced. Provides additional cars the same amount of coverage as your car with the most coverage. You must tell your insurance company that you bought a car within 30 days.
Rental cars - Provides liability coverage for a car you rented. Read your policy to know if your insurance covers rental cars and how much it covers.
Temporary substitute cars - Provides liability coverage for a temporary car while your car is being repaired or replaced.
- Drivers the Policy Covers - What it Provides:
Any person driving the car - Provides coverage to anyone who drives the car with the insured's permission except for people specifically excluded in the policy.
Family members - Provides coverage to anyone who lives with you and is related to you by blood, marriage, or adoption except for people excluded in the policy.
Listed driver endorsement - Provides coverage for losses caused by household members, family members, or resident relatives who are listed in your policy.
- Common Discounts - Ways to Save:
Airbags and automatic seatbelts - Lowers your premium if you have airbags and automatic seatbelts in your car.
Antilock brakes - Lowers your premium if your car has antilock brakes.
Anti theft devices - Lowers your premium if you have an anti theft device on your car.
Automatic daytime running lights - Lowers your premium if your car has daytime running lights.
Claim free - Lowers your premium if you haven't filed a claim in the last three to five years.
Companion policy - Lowers your premium if you insure your car and home with the same company.
Defensive driving - Lowers your premium if you have a current defensive driving class certificate.
Driver education courses for young drivers - Lowers the premium for young drivers who pass a driver education course.
Driving record - Lowers your premium if you have a good driving record.
Low mileage - Lowers your premium if your car has low mileage.
More than one car on the same policy - Lowers your premium if you have more than one car on the same policy.
- Deductibles - How They Work:
Deductibles - The deductible is the amount you will pay for certain losses. For example, if you have a claim for $1,000 and a deductible of $300, the insurance company will automatically deduct $300 from the amount of the claim. You would pay your $300 deductible and the company would pay the remaining $700. Ask about deductibles for your car.
Higher Deductibles - Higher deductibles will lower your premium, but you will pay more out of your own pocket if you have a claim.
- Common Exclusions - What this Means:
Named driver - Coverage is not provided for losses caused by household members, family members, or resident relatives who are not listed in your policy.
Business use - Coverage is not provided for losses during business use. Examples of business use include pizza, flower, or newspaper delivery.
Racing - Coverage is not provided for losses resulting from the use of your vehicle in a racing event.
Intentional acts - Coverage is not provided for losses resulting from an intentional act by you, the insured, or at your direction.
Excluded driver - Coverage is not provided for losses if a driver who is specifically excluded in the policy was driving the car.
- Policy Limits - What this Means:
30/60/25 - 30/60/25 are the minimum liability coverage limits required by the Texas Financial Responsibility Law. The insurance company will pay up to $30,000 for bodily injury for each individual person up to a total of $60,000 per accident, and up to $25,000 for property damage per accident.
Higher limits - Higher policy limits may be available for an additional premium. It may be helpful to you and your family to increase your protection for an additional premium. For example, 100/300/100 is a common higher liability coverage limit. The insurance company will pay up to $100,000 for bodily injury for each individual person up to a total of $300,000 per accident, and up to $100,000 for property damage per accident.
For more information contact:
Last updated: 09/25/2015