If you own a car, you must get insurance coverage. If you regularly drive a car that belongs to a relative or friend, you should make sure you’re listed on their car insurance plan.

You can get different types of car insurance plans, including coverage for either or both:

• injuries to yourself and damage to your car or
• the costs of damages and injury to others if you’re at fault in an accident

Your car insurance cost depends on the plan you choose and your:

• age
• driving record
• living location
• driving experience