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Auto Insurance Coverage

Auto Insurance

Those who live in are required to carry basic auto insurance to drive in the state. Basic auto insurance is liability coverage. This protects other drivers from an auto accident where you are the responsible driver. If you need auto insurance, City First Insurance is your local independent agency. When you want more choices and a team on your side, we are here for you.

Mandatory coverage

The basic amount of auto insurance required varies from state to state. Typically, this coverage is 25/50/25. This provides $25,000 for the first person injured in an auto accident, with the total for any given accident of $50,000. An additional $25,000 of property damage is also required. This is the basic amount required by law. It may not be the right amount for you.

If you have a leased vehicle or a car loan, you won't get away with just having the mandatory liability insurance. You will be required to protect the vehicle as well, which means having collision and comprehensive coverage.


Collision is an optional type of auto insurance that covers your vehicle if you have an accident where you are the at-fault driver. It will pay to have your vehicle repaired, or if it is totaled, it will pay you the value of the vehicle minus the deductible you have.


Comprehensive insurance coverage protects your vehicle from things beyond your control. It covers the theft or vandalism of your vehicle. It also protects you from damage caused by things like hail, strong winds, flying stones, and large animals running into the road in front of your vehicle.

Optional coverage

Several optional types of coverage are available for purchase beyond liability, collision, and comprehensive. These include full glass coverage, rental vehicle coverage, and break down and towing coverage.

Contact City First Insurance if you are a resident who is looking for auto insurance.

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