Car Insurance What types of coverage are offered with insurance on a license? View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: August 21, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Insurance on a license typically offers liability coverage, encompassing bodily injury and property damage liabilities. It helps pay for injuries or damages caused to others in accidents while driving borrowed or rented vehicles. However, it generally excludes coverage for damages to your car and might not include personal injury protection. Here’s what is covered under the insurance on a license and what’s not. Liability coverage Insurance on a license primarily offers liability coverage. This means it helps pay for injuries or damages you might cause to others in an accident while driving a rented vehicle. Bodily injury liability This coverage helps pay for medical expenses, rehabilitation, and legal expenses if you’re responsible for injuries to others in an accident. It ensures you’re not personally burdened with these costs. Property damage liability If you damage someone else’s property, like another car or a fence, this coverage helps cover the repair or replacement costs. Exclusions to coverage It’s important to note that, unlike regular car insurance, insurance on a license usually doesn’t offer comprehensive or collision coverage, which would pay for damages to the vehicle you’re driving. It also might not cover medical expenses for you or your passengers. Conclusion Insurance on a license focuses on providing liability coverage to protect you from financial responsibility if you’re at fault in an accident. While it doesn’t cover all possible scenarios, it offers a vital shield against the potential high costs of injuring others or damaging their property. Always review your policy details to understand the extent of coverage provided. In case you missed it Best Car Insurance Companies of 2025 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Liability coverageExclusions to coverageConclusion ZIP Code Please enter valid ZIP See rates