Personal auto insurance pays for injuries and damage the driver causes to others (bodily injury and property damage liability) and, optionally, damage to the insured's own car: collision for crashes, and comprehensive for theft, fire, weather and glass. Uninsured and underinsured motorist coverage and medical payments or personal injury protection fill out the policy. Nearly every state requires liability coverage, and no-fault states require PIP. Lenders usually require collision and comprehensive on financed vehicles. The NAIC describes pricing as two steps: underwriting decides whether to accept the risk and in which tier, and rating sets the price. Common factors are driving record, where the car is garaged, age and marital status, prior insurance and any lapse, annual mileage, the vehicle's make and model and, in most states, a credit-based insurance score. Carriers split the market into preferred, standard and nonstandard tiers, and nonstandard carriers specialize in drivers with violations, lapses, SR-22 filings or no prior coverage. Auto is hard to place for young or newly licensed drivers, multiple at-fault accidents or major violations, excluded-driver situations, rideshare or delivery use, and high-performance or heavily modified vehicles. Agencies quote personal auto mostly through comparative raters, which run one entry across many carriers and bridge the chosen quote to the carrier's site to bind. Carrier portals handle the rest, along with endorsements and payments.
Carriers with published appetite
From each carrier's own public appetite guide or product pages. Appetite changes: confirm with the carrier before you submit.
Personal auto — Personal auto with Purchase Price Guarantee for new cars, rental car coverage that carries your policy's broadest limits plus some rental company fees, and Road Trouble Service. Classic cars and modified or converted vehicles (for example wheelchair lifts) are also written (Auto Insurance page, Oct 2026).
Quote it through: Semsee, or the carrier portal
Personal auto — Nonstandard auto, including SR-22, FR-44 and DUI drivers. Texas rules: up to 21 points per driver, 2 alcohol or drug violations and 2 at-fault accidents in 36 months; liability 30/60/25 to 100/300/100. Ineligible: commercial, delivery or rideshare use, over 10,000 lb GVW, fewer than four wheels, motorhomes, classic or antique and heavily modified vehicles. No physical damage on vehicles over 25 years old or MSRP $120K+, and no comprehensive without collision (Texas Underwriting Guide, effective Dec 15, 2025; Auto page, Oct 2026).
Personal auto — ERIE Rate Lock keeps rates steady until a driver, vehicle or garaging address changes. It is limited to three years in Virginia and needs the insured to meet underwriting guidelines. The YourTurn driving program is not offered in KY, DC, NY or NC. New and used car replacement is not offered in NY or NC (Auto Insurance page, Oct 2026).
Personal auto · GA, IL, IN, IA, KY, MN, OH, PA, TN, VA, WI — Auto, written with affiliate Integrity Insurance, offers new car replacement after a covered total loss, roadside assistance, gap coverage and uninsured/underinsured motorist. Multi-policy discounts apply when bundled with a home, condo or renters policy (Auto Insurance page, Oct 2026).
Personal auto — Nationwide's personal lines appetite targets coverage-minded 'Protectors': families with a driver under 20 open to telematics, and empty nesters who drive less and may own a motorcycle or RV (Nationwide Personal Lines appetite page, Oct 2026). Quoted in Nationwide Express, which is not offered in CA, MA or OK.
Quote it through: Bold Penguin, Semsee, Tarmika Bridge, or the carrier portal
Personal auto — Personal auto is written in all states. Agents place it within Progressive's prescribed underwriting guidelines, and the agency channel was 43% of personal vehicle premium in 2025. Platinum agencies can write 12-month auto terms to bundle with property (2025 Form 10-K; Q2 2026 Form 10-Q). We found no public version of Progressive's eligibility guidelines.
Personal auto · AZ, IL, IN, IA, MN, MD, NJ, OH, PA, RI, SC, TN, UT, VA, WI — Personal auto with The Selective Edge enhancement, plus specialized coverage for custom, classic and limited-production vehicles (Auto page, Oct 2026).
Quote it through: Tarmika Bridge, or the carrier portal
Personal auto — Prevail Auto, sold through independent agents, targets preferred, mature customers (age 50+). It is a la carte, with options such as key fob, pet injury and custom equipment coverage and RecoverCare. Prevail entered the agency channel in mid-2025 with 30 state launches planned by early 2027; no state list is published (Hartford agent products page; 2025 Form 10-K).
Personal auto · IL, IN, KY, MI, MN, OH, PA, TN, WV — Auto on WesPak adds one-year replacement cost on new vehicles, loan/lease gap, trip interruption and transportation expense. The MissionSafe driving program gives 10% off for signing up. Discounts include prior-carrier (3+ years of continuous coverage) and loyalty (one year with Westfield) (WesPak page; Home and Auto: Shift the Conversation, Sep 16, 2026).
Quote it through: Semsee, or the carrier portal
Before you submit
- Every household driver's name, date of birth, license number and state
- Accidents, violations and claims for each driver over the last three to five years
- VIN, garaging address, use and annual mileage for each vehicle
- Current declarations page showing limits and continuous prior coverage
- Lienholder or lessor details for financed vehicles
- Any SR-22 or other filing requirement, and rideshare or delivery use
Sources
- NAIC: A consumer's guide to auto insurance
- NAIC: What does auto insurance cover?
- Triple-I: What is covered by a basic auto insurance policy?
Updated Oct 30, 2026