Best Providence, RI Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

The best Providence, RI auto insurance providers are Geico, State Farm, and Progressive, with monthly rates starting at $55. Geico offers the lowest premiums, State Farm has excellent service, and Progressive has flexible coverage, making it the best car insurance in Rhode Island.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

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UPDATED: Jan 31, 2025

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Top Pick in Providence RI: Geico
4.1

Company Facts

Full Coverage in Providence RI

$130/mo

A.M. Best Rating

A++

Complaint Level

Low
Best Providence RI Agents: State Farm
4.3

Company Facts

Full Coverage in Providence RI

$135/mo

A.M. Best Rating

B

Complaint Level

Low
Best Providence RI Tools: Progressive
4.4

Company Facts

Full Coverage in Providence RI

$120/mo

A.M. Best Rating

A+

Complaint Level

Low

The best Providence, RI auto insurance providers are Geico, State Farm, and Progressive, offering monthly rates as low as $55. Geico provides the lowest rates, whereas State Farm stands out with fantastic customer service and broad coverage flexibility.Best Providence, RI Auto Insurance: Geico, State Farm and Progressive

Progressive is also a top choice for its customizable plans that fit various needs. When choosing a provider, consider the lowest rate and the company’s reputation for claims service and overall value.

Our Top 10 Company Picks: Best Providence, RI Auto Insurance

Insurance CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Geico: Best Providence, RI Auto Insurance#125%A++Low RatesGeico
State Farm: Best Providence, RI Auto Insurance#217%BLocal AgentsState Farm
Progressive: Best Providence, RI Auto Insurance#310%A+Budgeting ToolsProgressive
Allstate: Best Providence, RI Auto Insurance#425%A+Comprehensive CoverageAllstate
Farmers: Best Providence, RI Auto Insurance#520%ACustomizable OptionsFarmers
Liberty Mutual: Best Providence, RI Auto Insurance#625%AFlexible CoverageLiberty Mutual
USAA: Best Providence, RI Auto Insurance#710%A++Military BenefitsUSAA
Nationwide: Best Providence, RI Auto Insurance#820%A+Accident ForgivenessNationwide
Travelers: Best Providence, RI Auto Insurance#913%A++Claims ReputationTravelers
American Family: Best Providence, RI Auto Insurance#1025%APersonalized ServiceAmerican Family

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Can't-Miss Facts

  • Geico offers top coverage in Providence, starting at $59/month
  • State Farm and Progressive provide flexible coverage and service
  • Save with discounts for bundling, safe driving, and vehicle safety


Table of Contents

#1 – Geico: Top Overall PickGeico: Best Providence, RI Auto Insurance

Pros

  • Competitive Pricing: Geico provides some of the lowest monthly insurance rates for drivers in Providence, RI, starting at $59/mo.
  • Extensive Online Services: Geico’s platform allows easy management of insurance policies, claims, and payments in Providence, RI.
  • User-Friendly Mobile App: Geico’s mobile app enables easy access to insurance services from anywhere in Providence, RI.

Cons

  • Limited Local Agent Interaction: Fewer in-person agent options exist for Providence drivers who prefer direct service.
  • Lack of Customizable Coverage: Geico offers fewer options for tailoring insurance policies in Providence, RI. Obtain further insights from our Geico Auto Insurance Review.

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#2 – State Farm: Best for Local AgentsState Farm: Best Providence, RI Auto Insurance

Pros

  • Personalized Insurance Advice: State Farm’s local agents provide customized insurance solutions for Providence residents.
  • Reliable Insurance Claims Support: The company has a robust claims service with speedy resolution in Providence, RI.
  • Insurance Discounts: State Farm provides discounts for safe driving and bundling policies in Providence, RI.

Cons

  • Higher Insurance Premiums: State Farm’s rates can be higher than those of other Providence providers.
  • Limited Online Tools: Online tools and mobile app features are less advanced in Providence, RI. Unlock additional information in our State Farm Auto Insurance Review.

#3 – Progressive: Best for Budgeting ToolsProgressive: Best Providence, RI Auto Insurance

Pros

  • Customizable Plans: Progressive offers personalized insurance coverage to meet specific Providence, RI needs.
  • Usage-Based Insurance Discounts: Offers discounts through the Snapshot program for safe driving in Providence, RI.
  • Great Budgeting Tools: Progressive’s tools help Providence residents manage insurance costs efficiently. Learn more in our Progressive Auto Insurance Review.

Cons

  • Higher Rates for High-Risk Drivers: Progressive’s insurance can be pricier for high-risk drivers in Providence, RI.
  • Occasional Customer Service Delays: Some customers report delays when contacting Progressive for insurance support in Providence, RI.

#4 – Allstate: Best for Comprehensive CoverageAllstate: Best Providence, RI Auto Insurance

Pros

  • Broad Coverage Options: Allstate offers a wide range of coverage options, including full and collision coverage in Providence, Rhode Island.
  • Insurance Discounts for Safety Features: Offers discounts for cars with safety features in Providence, RI.
  • 24/7 Customer Support: Allstate offers round-the-clock insurance assistance for Providence insurance policyholders.

Cons

  • Higher Insurance Premiums: Comprehensive coverage may come at a higher cost for Providence drivers. Uncover additional insights in our Allstate Auto Insurance Review.
  • Complex Policies: New Providence, RI customers may find Allstate’s insurance offerings more complicated.

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#5 – Farmers: Best for Customizable OptionsFarmers: Best Providence, RI Auto Insurance

Pros

  • Highly Customizable Policies: Farmers offers numerous insurance add-ons and options for Providence drivers.
  • Discounts for Bundling: Save by bundling auto insurance with home or life policies in Providence, RI.
  • Excellent Local Agent Service: Farmers provides expert local insurance agents in Providence, RI. Learn more in our Farmers Auto Insurance Review.

Cons

  • Above-Average Premiums: Farmers’ insurance rates are often higher than those of other companies in Providence, RI.
  • Limited Online Insurance Tools: Farmers’ online resources are less comprehensive than some Providence competitors.

#6 – Liberty Mutual: Best for Flexible CoverageLiberty Mutual: Best Providence, RI Auto Insurance

Pros

  • Extensive Coverage Options: Liberty Mutual offers customizable coverage options in Providence, RI, including home, auto, and renter’s insurance.
  • Customizable Discounts: Liberty Mutual offers insurance discounts based on personal driving habits and coverage in Providence, RI.
  • Innovative Digital Tools: Liberty Mutual’s app and online platform provide easy access to policy management in Providence, Rhode Island.

Cons

  • Higher Rates: Insurance premiums may be costlier than other alternatives in Providence, RI. Read our Liberty Mutual Auto Insurance Review to find out more.
  • Customer Service Complaints: Some Providence customers have reported slow response times to insurance claims.

#7 – USAA: Best for Military BenefitsUSAA: Best Providence, RI Auto Insurance

Pros

  • Exclusive Military Discounts: USAA provides specialty auto insurance for Providence, RI, military members.
  • Excellent Customer Service: USAA offers high marks for satisfaction with processing Providence, RI insurance claims.
  • Great Mobile App: USAA’s mobile app provides seamless access to insurance services for Providence drivers.

Cons

  • Eligibility Restrictions: USAA insurance is limited to military members and families in Providence, RI. Our USAA Auto Insurance Review delves into more specifics.
  • Limited Non-Insurance Services: USAA is focused on insurance products and may not offer broader financial services in Providence, RI.

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#8 – Nationwide: Best for Accident ForgivenessNationwide: Best Providence, RI Auto Insurance

Pros

  • Accident Forgiveness: Nationwide’s accident forgiveness program ensures your first accident does not impact your insurance rates in Providence, RI.
  • Comprehensive Insurance Products: Nationwide provides various coverage options for Providence motorists, including coverage for classic vehicles.
  • Financial Insurance Stability: Nationwide’s solid financial standing ensures reliable claims payouts in Providence, RI.

Cons

  • Customer Service Concerns: According to our Nationwide Auto Insurance Review, some drivers report slow claims processing for insurance policies in Providence, RI.
  • Limited Discounts for New Customers: Nationwide’s initial discounts for new insurance customers in Providence, RI, may be limited.

#9 – Travelers: Best for Claims ReputationTravelers: Best Providence, RI Auto Insurance

Pros

  • Strong Claims History: Travelers have a good reputation for processing insurance claims fairly well in Providence, RI.
  • Wide Coverage Options: Travelers offers various insurance policies, including classic car insurance in Providence, RI.
  • pGreat Insurance Discounts: According to our Travelers Auto Insurance Review, the company provides discounts on safe driving and owning multiple policies in Providence, RI.

Cons

  • Higher Premiums for Young Drivers: Travelers’ insurance rates for younger drivers in Providence, RI, can be higher.
  • Limited Online Resources: Some customers find Travelers’ online tools lacking certain features compared to other providers in Providence, RI.

#10 – American Family: Best for Personalized ServiceAmerican Family: Best Providence, RI Auto Insurance

Pros

  • Excellent Personalized Customer Service: American Family offers tailored insurance advice for Providence drivers.
  • Broad Insurance Discounts: As per our American Family Auto Insurance Review, the company provides savings for safe driving and bundling policies in Providence, RI.
  • Flexible Coverage Plans: American Family offers flexible and customizable insurance options for Providence drivers.

Cons

  • Limited Availability: American Family insurance isn’t available in all states, restricting coverage for Providence drivers.
  • Moderate Insurance Rates: American Family tends to be much more expensive than its competitors in Providence, Rhode Island.

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Top Providence Auto Insurance Providers: Rates for Every Coverage Level

Auto insurance rates in Providence vary based on the provider and coverage level. Minimum coverage is more affordable, while complete coverage offers broader protection at a higher price.

Providence, RI Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Providence, RI Auto Insurance$65$145
American Family: Best Providence, RI Auto Insurance$61$129
Farmers: Best Providence, RI Auto Insurance$62$140
Geico: Best Providence, RI Auto Insurance$59$130
Liberty Mutual: Best Providence, RI Auto Insurance$63$150
Nationwide: Best Providence, RI Auto Insurance$60$149
Progressive: Best Providence, RI Auto Insurance$55$120
State Farm: Best Providence, RI Auto Insurance$60$135
Travelers: Best Providence, RI Auto Insurance$62$139
USAA: Best Providence, RI Auto Insurance$58$125

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Providers like Progressive and Geico are known for competitive rates, while Liberty Mutual and Nationwide typically offer more extensive full coverage car insurance options. Consider your needs when choosing between cost and coverage.

Maximize Your Savings: Auto Insurance Discounts in Providence, RI

Providence auto insurers offer a range of car insurance discounts, such as bundling policies, safe driving, and anti-theft features. Geico and Progressive provide savings for good students, early signing, and continuous coverage.

Auto Insurance Discounts From the Top Providers in Providence, RI

Insurance CompanyAvailable Discounts
Early Signing, Anti-theft, Defensive Driving, Safe Driver, Multi-Policy, Paperless Billing, New Car
Vehicle Safety, Low Mileage, Bundling, Teen Driver, Loyalty, Accident-Free
Homeowner, Anti-theft, Good Student, Multi-Car, Early Shopper, Pay-in-Full
Military, Anti-theft, Safety Features, Good Driver, Bundling, Federal Employee, New Car
New Car, Defensive Driving, Paid-in-Full, Accident-Free, Multi-Policy, Paperless, Hybrid/Electric Vehicle
Defensive Driving, Vehicle Safety, Accident-Free, SmartRide Program, Multi-Car, Affinity Member Discount
Snapshot, Homeowner, Anti-theft, Good Student, Continuous Insurance, Pay-in-Full, Paperless Billing
Defensive Driving, Vehicle Safety, Accident-Free, Safe Driver, Multi-Car, Steer Clear (Young Driver), Bundling
Anti-theft, Homeowner, Hybrid/Electric Vehicle, Good Payer, Multi-Policy, New Car, Loyalty Discount
Military, Vehicle Safety, Defensive Driving, New Car, Safe Driver, Loyalty, Bundling

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Other providers, like USAA and State Farm, focus on military, loyalty, and young driver discounts. Companies like Allstate and Nationwide also offer discounts for vehicle safety features and hybrid vehicles.

Understanding the Limitations of State Minimum Auto Insurance in Providence

The minimum car insurance requirements in Providence, RI, cover damages only if you are at fault in an accident. It does not cover theft or accidents caused by other drivers, leaving you financially vulnerable in many situations. Full coverage provides better protection for a broader range of incidents.

Best Providence, RI Auto Insurance: State Farm Homepage Screenshot

In Providence, insurance premiums range from $90 to over $300 per month, depending on your provider and coverage. Even though options like State Farm can be inexpensive, working with companies with a good track record of handling claims and assisting customers is a priority.

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Major Car Insurance Factors in Providence, Rhode Island

Your credit score, driving history, vehicle type, and eligibility for a hybrid vehicle discount are key factors affecting your auto insurance rates in Providence. A clean record and safe vehicle can lower premiums, while accidents or violations can raise them.

Best Providence, RI Auto Insurance: Hybrid Vehicle Discounts Definition Card

Location within Providence also affects your rate. Serious accident or theft areas have more expensive premiums. Age and annual mileage also play a role, with younger and more frequent drivers often paying more.

Providence, RI Location Directly Impacts Your Auto Insurance Rate

Your car insurance in Providence, RI, may differ based on where your vehicle is parked regularly. In large cities like Providence, more motorists on the road increase the risk of collisions, leading to higher rates. Neighborhoods with higher traffic congestion generally have steeper insurance premiums.

Providence, RI Auto Insurance by ZIP Code

ZIP CodeAverage Monthly Rate
2908$208
2909$177
2907$199
2905$177
2903$186
2904$175
2906$152
2919$131
2910$109
2911$89
2860$139
2912$415

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With a population of 177,994, Providence, RI, sees varying insurance rates across its ZIP codes. Areas with lower accident and theft risks tend to offer cheap auto insurance in Rhode Island, making location a key factor in determining your auto insurance costs.

Low Accident Rates in Providence Contribute to Lower Auto Insurance Premiums

While the city of Providence is extensive, serious accidents occur rarely; this may partly explain why premiums are lower. With only 12 fatal accidents reported, high insurance claims risks remain low for local drivers to enjoy cheaper premiums.

Fatal Accidents in Providence, RI

StatisticCount
Fatal accident count12
Vehicles involved in fatal crashes22
Fatal crashes involving drunk persons0
Fatalities12
Persons involved in fatal crashes28
Pedestrians involved in fatal accidents3

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While fatal accidents are rare, drivers can reduce premiums by inquiring about safe driver discounts. Since there have been no fatal crashes involving drunk drivers, maintaining a clean record can help keep insurance costs down and provide additional savings opportunities.

Protecting Your Vehicle from Theft in Providence, RI

Auto insurance can be more complex to obtain at lower rates if your vehicle is prone to theft, especially in metropolitan areas like Providence. 2013 Providence reported 962 stolen cars, increasing theft risks for local drivers.

Comparison of Basic vs. Comprehensive Auto Insurance Policy in Providence, RI

Insurance CompanyBasic Coverage CostComprehensive Coverage Cost
Allstate TablePress Logo$106$325
American Family TablePress Logo$139$405
Geico TablePress Logo$144$408
Progressive TablePress Logo$89$283
State Farm TablePress Logo$34$66
Travelers TablePress Logo$65$188

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Make sure your policy includes comprehensive coverage to safeguard against theft. It will protect you from accidents and theft, offering better security for your vehicle in high-risk areas.

The Impact of Credit Scores on Auto Insurance Premiums in Providence, Rhode Island

Credit score affects car insurance premiums in Providence, RI. Lower credit scores are viewed as a sign of greater risk, so individuals with poor credit may face significantly higher rates.

Providence, RI Auto Insurance Monthly Rates by Provider & Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate TablePress Logo$180$215$325
American Family TablePress Logo$170$205$315
Farmers TablePress Logo$175$210$320
Geico TablePress Logo$166$197$295
Liberty Mutual TablePress Logo$190$225$340
Nationwide TablePress Logo$185$220$330
Progressive TablePress Logo$175$210$315
State Farm TablePress Logo$135$165$245
Travelers TablePress Logo$150$180$260
USAA TablePress Logo$120$150$230

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The difference in premiums between drivers with good and bad credit can be substantial, with rates for those with poor credit often being two to three times higher. It highlights the importance of maintaining a strong credit score to secure more affordable insurance rates.

Accidents and Tickets Increase Auto Insurance Premiums in Providence

Keeping a clean driving record is the secret to getting the cheapest auto insurance in Providence, RI. Drivers with no accidents or tickets pay the least, while drivers with citations or accidents pay a little more.

Providence, RI Auto Insurance Monthly Rates by Provider & Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate TablePress Logo$150$180$220$300
American Family TablePress Logo$145$175$215$290
Farmers TablePress Logo$155$185$225$310
Geico TablePress Logo$140$170$210$280
Liberty Mutual TablePress Logo$160$190$240$320
Nationwide TablePress Logo$150$180$230$305
Progressive TablePress Logo$148$178$220$295
State Farm TablePress Logo$135$165$205$275
Travelers TablePress Logo$140$170$210$285
USAA TablePress Logo$130$160$200$270

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Serious violations, such as a DUI, can significantly raise premiums or even lead to a loss of coverage. Drivers should inquire about Accident Forgiveness discounts to reduce the impact of minor infractions and keep premiums more affordable.

Teenage Drivers Face Higher Auto Insurance Costs in Providence, RI

Teenage drivers face higher insurance rates due to their lack of experience and higher risk. Their premiums are significantly more expensive compared to older, more experienced drivers.

Providence, RI Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
Allstate TablePress Logo$420$450$190$210$160$170$140$150
American Family TablePress Logo$400$430$180$200$150$160$130$140
Farmers TablePress Logo$410$440$185$205$155$165$135$145
Geico TablePress Logo$390$420$170$190$140$150$120$130
Liberty Mutual TablePress Logo$430$460$200$220$170$180$150$160
Nationwide TablePress Logo$415$445$195$215$165$175$145$155
Progressive TablePress Logo$405$435$185$205$155$165$135$145
State Farm TablePress Logo$370$400$160$180$130$140$110$120
Travelers TablePress Logo$375$405$165$185$135$145$115$125
USAA TablePress Logo$350$380$150$170$120$130$100$110

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However, they can reduce these costs by qualifying for a good student discount or taking additional driver education courses.

Vehicle Type Affects Auto Insurance Rates in Providence, Rhode Island

The type of vehicle you drive is a fundamental determinant of your auto insurance rates. Luxury cars tend to have higher premiums because they are expensive to replace and require more extensive coverage.

Providence, RI Auto Insurance Monthly Rates by Vehicle & Coverage Level

Make & ModelMinimum CoverageFull Coverage
2024 Buick Envision$110$180
2024 Chevrolet Trailblazer$100$170
2024 Ford Bronco Sport$115$190
2024 Honda Passport$120$200
2024 Hyundai Venue$95$160
2024 Kia Soul$90$150
2024 Mazda CX-5$105$175
2024 Nissan Kicks$100$165
2024 Subaru Crosstrek$98$160
2024 Toyota Corolla Cross$95$155

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In contrast, more affordable and standard vehicles tend to have lower insurance rates.

Choosing the right auto insurance isn’t just about finding the lowest rate; it’s about ensuring you’re fully covered when it matters most.

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For example, cars like the 2024 Kia Soul or Toyota Corolla Cross are typically cheaper to insure than high-end models due to their lower repair costs and replacement value.

Providence, RI Auto Accident and Insurance Claim Statistics

Providence, RI, sees around 5,200 accidents, which increases insurance premiums. Property damage claims average $6,551; bodily injury liability insurance can cost around $26,501.

Providence, RI Auto Accident & Insurance Claim Statistics

FactorValue
Accidents Per YearApproximately 5,200
Claims Per YearData not available
Average Claim Cost$6,551 (property damage); $26,501 (bodily injury)
Percentage of Uninsured Drivers16.5%
Vehicle Theft RateData not available
Traffic DensityHigh in Providence
Weather-Related IncidentsIncreased during winter

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With 16.5% of drivers uninsured, the risk of uninsured motorists is a significant factor. High traffic density and more weather-related incidents during winter also contribute to higher insurance rates.

Providence, RI Auto Insurance Report Card: Availability, Discounts, and Affordability

Providence, RI, has many insurance providers, meaning many auto insurance coverage options exist. Having several insurers allows drivers to find the best coverage for their needs, so availability gets an A.

Providence, RI Report Card: Auto Insurance Premiums

CategoryGradeExplanation
AvailabilityAMultiple insurance providers operate in Providence, offering a variety of coverage options.
Discounts Offered B+Common discounts include multi-policy, safe driver, and good student discounts.
Customer SatisfactionBVaries by provider; it's important to research individual company ratings and reviews.
AffordabilityCRhode Island ranks among the states with higher average auto insurance premiums.

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However, affordability in Providence lags, with the state having higher-than-average auto insurance premiums. Despite offering multi-policy and safe driver discounts, customer satisfaction varies by provider, with a B rating overall.

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Key Insights on Auto Insurance in Providence, Rhode Island

Choosing the best Providence, RI, auto insurance requires evaluating providers based on coverage options, price, and claims service. Geico, State Farm, and Progressive stand out for their competitive rates and flexible policies.

Take advantage of discounts like safe driving, bundling, and vehicle safety features to reduce premiums. Ultimately, comparing quotes and tailoring auto insurance coverage options to your needs will help you find the best Providence, RI, auto insurance plan.

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Frequently Asked Questions

How does car insurance in Providence compare to other Rhode Island cities?

Providence usually tends to have higher rates due to traffic and the number of accidents. However, you can always find cheap auto insurance in Rhode Island by comparing quotes and taking advantage of discounts.

What is the cheapest car insurance in Rhode Island for drivers with a clean record?

Companies like Geico and Progressive offer the cheapest Rhode Island car insurance for drivers who have clean records, starting at $55 monthly. Discounts for safe drivers can further lower costs.

What factors contribute to finding cheap car insurance in Rhode Island?

Driving history, vehicle type, age, and location are the factors that affect car insurance premiums. Choose higher deductibles, safe driver discounts, and bundling policies to reduce costs.

Which companies offer the best car insurance in Rhode Island?

Allstate, Liberty Mutual, and Progressive provide coverage that protects against theft, weather, and non-collision damages, ideal for high-risk areas.

What are some tips for new drivers finding affordable car insurance in Rhode Island?

New drivers can save by taking driving courses, maintaining good grades, and choosing vehicles with cheap car insurance costs in Rhode Island. Geico and State Farm offer new driver discounts.

Start saving on car insurance by entering your ZIP code to compare quotes from Providence, Rhode Island.

How can I lower my premium for Rhode Island cheap auto insurance?

Bundling policies, increasing auto insurance deductibles, and qualifying for safe-driving or anti-theft discounts can lower premiums. Compare quotes to find the best car insurance rates in Rhode Island.

How do I find the best auto insurance in Providence, RI, for my specific needs?

Compare quotes, assess coverage, and read reviews: State Farm and Progressive offer flexible plans and strong customer service tailored to Providence drivers.

Which cheap Rhode Island car insurance companies provide for drivers with poor credit scores?

Geico and Progressive offer cheap car insurance in  Rhode Island for drivers with poor credit, and you can reduce costs with discounts for safe driving or low mileage.

What are some ways for families to find affordable auto insurance in Rhode Island?

Families can save with multi-car discounts, bundling, and clean driving records. Liberty Mutual and Allstate offer significant savings for households.

What is the difference between cheap Rhode Island auto insurance and comprehensive coverage?

The cheaper insurance covers liability only, but comprehensive coverage protects against theft and non-collision incidents.

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