Does car insurance cover other cars?

Car insurance covers other cars through property damage liability. You can get property damage liability when you buy liability auto insurance. However, you can only get coverage for your vehicle through full coverage car insurance, which is about $90/mo. But your rates will vary. Shop around and compare multiple companies to secure the best auto insurance coverage for other cars.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 29, 2021

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The Highlights

  • Liability insurance covers other cars through property damage liability
  • You can get liability car insurance as low as $46/mo
  • Collision car insurance pays for property damage of your vehicle regardless of fault
  • Accidents and filing claims increase your car insurance rates

Auto insurance can cover other driver’s vehicles. However, you’ll need the right coverage to ensure that your policy can pay for the repairs.  But what insurance covers damage to other people’s cars?

Don’t worry – this guide explains everything you need to know about car insurance coverage for other vehicles.

Read through this guide to learn how car insurance covers other cars. Also, we’ll explain why you should compare car insurance to get the best deal.

Once you know all the details about auto insurance coverage for other cars, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Does car insurance cover other cars?

The short answer is yes. When you buy auto insurance, you should have something called property damage liability.

Property damage liability covers the cost of damages to other cars and other damaged property when you’re at fault in an accident.

You get property damage liability as part of your liability car insurance coverage. However, property damage liability doesn’t pay for your vehicle’s damage.

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Does car insurance cover the car or the driver?

Your auto insurance policy can cover other vehicles and the driver. The other portion of liability car insurance is called bodily injury liability.

If the no-fault driver happens to have bodily injury and property damage, your liability insurance policy covers the cost of medical expenses and car repairs.

However, your car insurance company won’t pay beyond the coverage limits. In most states, the minimum car insurance coverage limit is as follows:

  • $25,000 for bodily injury of one person per accident
  • $50,000 for bodily injury of multiple people per accident
  • $25,000 for property damage per accident

These limits are often listed as 25/50/25. To avoid possible out-of-pocket expenses or lawsuits, auto insurance companies recommend 50/100/50. But, higher coverage limits drive up car insurance rates.

What about your car? Liability coverage doesn’t pay for damages to your vehicle.

Continue reading to see which coverage options pay for damages to your car.

Which car insurance coverage pays for my car?

If you want your auto insurance company to cover damages for your vehicle, you’ll need more coverage.

Here’s a list of car insurance coverages that will pay for damages and repairs to your vehicle after an accident.

  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist (UM/UIM) coverage

Collision insurance and comprehensive insurance are no-fault coverage options.

Collision car insurance pays for damage to your vehicle after an accident regardless of fault.

Meanwhile, comprehensive auto insurance pays for damage to your car that doesn’t involve a collision.

UM/UIM coverage has two different parts. UM covers injuries and damage if you’re in an accident with an uninsured driver. It also covers injuries and damage from hit-and-run drivers.

UIM covers injury and damage costs when the at-fault driver doesn’t have enough on their coverage limits to cover the cost of your medical bills and repairs.

Can I add other cars to my car insurance policy?

The answer is yes. You can add more vehicles to your auto insurance policy, but it increases your overall insurance bill.

You can also add more coverage options to each vehicle, but it costs more.

However, some car insurance companies provide a discount for adding more vehicles to your policy.

How much is car insurance when you add collision and comprehensive coverage?

When you add collision and comprehensive insurance, you’ll have something known as full coverage.

According to the National Association of Insurance Commissioners (NAIC), full coverage auto insurance is $90 a month.

However, car insurance rates vary for each person and each company. The best way to secure the rates is to compare the best insurance companies until you find what you need.

Why should I add a driver to my car insurance policy?

We recommend adding other drivers to your auto insurance policy, especially people that live with you.

Adding trusted drivers to your policy covers your bases and ensures the same coverage even if you’re not driving.

Also, car insurance companies provide a discount when you add drivers to your car insurance policy.

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Does my car insurance cover me in another car?

It depends on the coverage you have on your policy. Personal injury protection (PIP) and medical payments (MedPay) are no-fault insurance policies that can pay for bodily injury even if you’re a passenger in another car.

Car Insurance Coverage for Other Cars: The Bottom Line

Your car insurance policy is designed to cover other vehicles. However, it’s best to buy medium to high coverage limits to avoid running out of coverage.

If you want coverage for your car, you’ll need to add more coverage options.

Now that you know how car insurance covers other cars, you’re ready to enter your ZIP code into our free comparison tool below to compare multiple companies in your area.

Are you looking for free insurance quotes?

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