| Coverage Type | State Requirement | Typical Term | Notes |
|---|---|---|---|
| Liability Insurance | State minimum required | 6 months | Basic liability coverage |
| Full Coverage | State recommended | 12 months | Full protection option |
| Uninsured Motorist | Optional | 6 months | Policy add-on option |
| Personal Injury Protection | Recommended | 12 months | Medical expenses coverage |
| Collision Coverage | Optional | 12 months | Vehicle damage protection |
| Add-On Coverage | Avg. Cost | What It Includes | Notes |
|---|---|---|---|
| Roadside Assistance | $30 | Towing, tire change | Enhanced coverage upgrade |
| Rental Car Reimbursement | $25 | Temporary vehicle use | Convenience option |
| Accident Forgiveness | $40 | Forgiveness for 1st accident | Policy benefit savings |
| Bundle Discount | $50 | Multi-policy savings | Bundle discount savings |
| Glass Coverage | $20 | Windshield repair | Protection for glass damage |
| Zip Code | Insurance Company | Monthly Rate | Coverage Type | Notes |
|---|---|---|---|---|
| 24018 | Progressive | $95 | Full Coverage | Urban higher rates |
| 24015 | State Farm | $82 | Liability Insurance | Lower cost zip |
| 24012 | GEICO | $105 | Full Coverage | High traffic zip |
| 24019 | Allstate | $88 | Liability Insurance | Suburban lower premium |
| 24017 | Nationwide | $92 | Full Coverage | Residential neighborhood |
| Insurance Company | Monthly Rate | Coverage Type | Notes |
|---|---|---|---|
| Progressive | $102 | Full Coverage | Female lower rates |
| GEICO | $95 | Liability Insurance | Cheap comparison option |
| Allstate | $98 | Full Coverage | Male higher premium |
| State Farm | $88 | Liability Insurance | Bundle discount savings |
| Farmers | $105 | Full Coverage | Male driver pricing |
| Driver Profile | Insurance Company | Monthly Rate | Coverage Type | Notes |
|---|---|---|---|---|
| Young Driver | Liberty Mutual | $70 | Liability Insurance | Safe driver discount |
| Experienced Driver | USAA | $80 | Full Coverage | Female driver savings |
| Senior Driver | Travelers | $75 | Liability Insurance | Senior discount rate |
| Student Driver | The Hartford | $85 | Full Coverage | Youthful driver premium |
| Safe Driver | Farmers | $78 | Liability Insurance | Good driver discount |
