51 State Insurance

Auto Insurance

Protect your car and your wallet

Drive worry-free with our complete auto insurance coverage. Get a free quote today.

What’s auto insurance?

If you’re here, chances are you’re wondering what exactly auto insurance is. Simply put, auto insurance is a contract between you and an insurance company that provides financial protection against physical damage and bodily injury resulting from a car accident.

Financial protection

If you're involved in a collision, your insurance policy will cover the cost of damages and injuries up to the limits of your coverage.

Peace of mind

Whether you're driving across town or across the country, you can rest assured that you're covered in the event of an accident. This can help you feel more confident and secure behind the wheel.

Customizable coverage

Whether you're looking for basic liability coverage or full coverage that can include extras like roadside assistance and rental car reimbursement, we can help you find a policy that meets your specific needs.

Who might need auto insurance?

Don’t leave your driving to chance. Whether you’re a new car owner, a busy commuter, a family driver, or a business owner, auto insurance is a must-have.

New Car Owners

If you've just bought a new car, you're likely to be looking for auto insurance to protect your investment.

New car owners typically want comprehensive coverage that includes collision and theft protection, as well as liability coverage to protect them from legal and financial liability in case of an accident.

Families

If you have a family, chances are you use your car to transport your kids to school, extracurricular activities, and family outings. As a result, you may be on the road more often and at a higher risk of being in an accident.

Families typically want comprehensive auto insurance coverage that includes liability, collision, and theft protection to keep everyone safe and protected.

Commuters

If you use your car to commute to work or school, you may be on the road more often than the average driver.

Commuters are at a higher risk of being in an accident, and so it's important for them to have adequate auto insurance coverage to protect themselves and their vehicles.

Business Owners

If you own a business and use your car for work purposes, you may need commercial auto insurance.

Business owners who use their car for work-related tasks such as transporting clients, delivering goods, or traveling to meetings, need insurance to protect their business in the event of an accident.

Drive with confidence

Are you tired of driving with uncertainty and worrying about what might happen in case of an accident? With our comprehensive auto insurance coverage, you can drive with confidence and enjoy peace of mind on the road.

What type of auto insurance do I need?

Don’t wait until it’s too late to get the auto insurance coverage you need. Contact us today to learn more about the different types of coverage available and to find out what kind of policy would be best for you and your budget.

Personal injury protection (PIP) or medical payments (MedPay) coverage

These types of coverage can help pay for medical bills if you or your passengers are injured in an accident, regardless of who is at fault.

Liability insurance

This is the most basic form of auto insurance coverage, and it’s typically required by law in most states. Liability insurance helps cover the cost of damages and injuries you may cause to other people in an accident. It may also help cover legal fees if you are sued as a result of an accident.

Collision insurance

This coverage can help pay for repairs to your vehicle in case of collision with another car, flipping over or if you hit another object (such as a tree or a fence).

Comprehensive insurance

This coverage can help protect your vehicle from non-collision-related damage, such as theft, fire, or weather-related damage.

Uninsured/underinsured motorist coverage

This coverage can help protect you if you are in an accident with a driver who is either uninsured or underinsured.

Rental Reimbursement

This coverage helps you pay for transportation expenses, such as a rental car or public transportation fare, while your vehicle is being repaired after a covered insurance claim.

Roadside Assistance

This coverage offers a variety of services, including towing, jump-starts, fuel delivery, and lockout assistance, to get you back on the road as quickly as possible.

Custom Parts and Equipment

You can enjoy the thrill and excitement of customizing your vehicle without worrying about the potential costs of repairing or replacing your customizations in case of an accident or theft.

When choosing auto insurance coverage, it’s important to consider your individual needs and budget. You may want to speak with an insurance agent or broker to help you determine the right coverage options for your specific situation.

Frequently asked questions

The cost of auto insurance can be affected by various factors such as your age, location, driving history, the type of car you drive, and the coverage options you choose.

The amount of auto insurance coverage you need can vary depending on your individual situation. A good rule of thumb is to have enough coverage to protect your assets in case of an accident.
Yes, there are various ways to lower your auto insurance premiums such as raising your deductible, bundling multiple policies, taking advantage of discounts, and maintaining a good driving record.

If you get into a car accident, the first priority is to make sure that everyone involved is safe. Then, try to call the police to get the accident documented. You should exchange driver’s license and insurance information with the other driver and take as many photos of the damage as you can. Then contact your insurance company to report the accident.

A deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in. Choosing a higher deductible can lower your insurance premiums, but it also means you’ll have to pay more if you get into an accident.
Uninsured motorist coverage is a type of insurance that can help protect you if you’re in an accident with a driver who doesn’t have insurance or who doesn’t have enough insurance to cover the damages.
Yes, you can generally cancel your auto insurance policy at any time. However, you may be subject to a cancellation fee, and you’ll need to have another insurance policy in place before you cancel your current policy.

If you need to file an auto insurance claim, you should contact your insurance company as soon as possible to report the claim. You’ll need to provide information about the accident, and you may need to provide documentation such as photos or a police report. Your insurance company will then work with you to process the claim.

how it works

How to get insurance?

Our knowledgeable agents will help you find the coverage that’s right for you, at a price you can afford.

Make a request

We’ll ask you a few questions about your insurance needs and provide you with a personalized quote

Cost calculation

We’ll provide you with a clear and transparent breakdown of the costs and explain any discounts or savings you may be eligible for

Get insurance

Congratulations, you’re now covered by one of the most comprehensive and reliable insurance policies available

What details do you need to get a quote?

Personal information: This includes your name, address, date of birth, and contact information.

Vehicle information: This includes the make, model, year, and vehicle identification number (VIN) of the car you want to insure.

Driving history: This includes information about your driving record, such as accidents, tickets, and previous insurance claims.

Additional information: Depending on the insurance provider and the specific policy, you may be asked for additional information such as your occupation or credit score.

Contact us today to get a quote

Have any question for us?

Don’t wait until it’s too late. Our knowledgeable agents will help you find the coverage that’s right for you, at the price you can afford.