Protection for you, your family, and your vehicle

Personal Auto Insurance

Personal auto insurance protects you financially in an accident — covering damage to other people's property and injuries, as well as damage to your own vehicle. Every state sets its own minimum liability limits, and the minimum is rarely enough.

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At a glance

Personal Auto

Reviewed by a
licensed agent
Minimum Liability
Set by each state
Recommended
100/300/100 or higher
Required by Law
Liability coverage at minimum
Rating Factors
Driving record, vehicle, location

Watch for: The state minimum is a legal number, not a safe one.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers07

  • Bodily Injury Liability — medical costs if you injure someone else
  • Property Damage Liability — repairs if you damage someone else's property
  • Collision — damage to your vehicle from an accident (regardless of fault)
  • Comprehensive — theft, vandalism, weather events, fire, animal strikes
  • Uninsured/Underinsured Motorist — when the other driver has no insurance
  • Medical Payments / PIP — your medical bills regardless of fault
  • Rental Reimbursement — rental car while yours is repaired

Who needs it04

  • All licensed drivers — nearly every state requires liability coverage
  • Owners of financed or leased vehicles (lender requires full coverage)
  • Families with teen or young adult drivers
  • Anyone with assets to protect beyond the state minimum limits

By state

Auto minimum limits changes at the state line.

Arizona
25/50/15 since July 1, 2020: $25,000 per person and $50,000 per accident for bodily injury, and $15,000 for property damage. Driving uninsured can cost you your registration or your license.
California
30/60/15 since January 1, 2025: $30,000 per person and $60,000 per accident for bodily injury, and $15,000 for property damage. It was 15/30/5 before (SB 1107); policies moved to the new minimums at renewal.
Elsewhere
Each state sets its own minimum liability limits. The minimum is a legal number, not a safe one. The 17 states we're licensed in.

Questions

About personal auto, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    Homeowners

    Protect your home, belongings, and personal liability
  2. 02

    Renters

    Affordable protection for your belongings and liability

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with personal auto options from more than one carrier, explained in plain English.

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(623) 873-1234
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