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Auto insurance for owned and leased vehicles

When you own a car

Even better? You may save money when you convert non owner auto to owned auto.

Get a quote in under 10 minutes with an agent

Car driving through countryside

Protect yourself with auto insurance

Cover your car

Protect your car if it’s damaged

If you damage something

Your coverage includes hiring another car, a fence, or other property.

Protect yourself from lawsuits

Your insurance company handles crash-related lawsuits, not you.

If you or others are hurt

You and your passengers are covered if you’re in a collision.

If they don’t have insurance

1 in 8 drivers don’t have insurance. But you’re covered, even if they’re not.

Still great for commuters and alternative transportation

Covers injuries, and lost wages if you’re hurt by an uninsured or underinsured driver—even on your bike.


The average cost of a collision is $12,500.

Save money by insuring your car.

Questions? We’ve got some answers.

Here’s answers to some of our most frequent questions.
Or email your question to

What first time car buyers need to know about car insurance

Can I add my car to my non owner auto insurance

Do I need car insurance to test drive a car?

FYI: Coverages + Terms

Surround’s auto insurance protects you and your passengers when you're in a collision.

Bodily Injury Liability

If you, the driver and policy holder, cause harm to someone else. You are covered when driving someone else’s car with their permission for personal use.

Property Damage Liability

When you’re driving, this pays for damage you may cause to someone else’s property. This can mean damage to someone else’s car, but it also includes damage to other structures such as signs, fences, or buildings.


If your car is damaged in a crash, regardless of whose fault it is, fixing it is covered. There is usually a deductible of $250 to $1000, which you need to pay before coverage kicks in.

If you have a loan or lease on your car, your lender or lessor will probably require collision coverage.

Collision covers almost all crashes except those that involve animals, like deer. You want comprehensive coverage for that.


If there’s sudden damage to your car that’s not from a crash, your car is covered. Think falling trees, flooding, vandalism, theft, or, weirdly, an accident involving an animal.

Similar to collision, if you have a loan or a lease for the vehicle, you’ll probably have to buy collision. And a deductible also applies here.

Uninsured and Underinsured Motorists

One out of every eight drivers does not carry auto coverage; in some states, that number is one out of five. Also known as Uninsured Motorist insurance, this will pay your and your passengers’ medical bills if you’re involved in a collision with an uninsured motorist who is at fault.

In other instances, an at-fault driver may have liability insurance, but his or her policy’s limits do not cover the full extent of your injuries. In such cases, Underinsured insurance will cover the difference up to a certain amount.

Personal Injury Protection

PIP covers medical expenses for you and your passengers if you are hurt in a crash. PIP will also pay for lost wages and essential services, like child care or help grocery shopping if you're unable to complete these tasks yourself while you are recovering.

Medical Payments

Medical payments pays for medical expenses for you and your passengers if you are injured in a crash. This can include medical co-pays and deductibles your health insurance doesn't pay for.

Roadside Assistance

If you need a tow when your car breaks down, a flat tire fixed, or to retrieve the keys you locked in the car, roadside assistance will cover you.

Loan Gap

If you total your car but still owe money on your auto loan, this coverage pays the difference. Otherwise, you could end up still owing money on a car you can’t drive.

More coverages from Surround

Apartment Insurance

Protects your stuff. Also covers you in an accident in your apartment.

Starts at $53 a month

Biking Insurance

Covers you from injuries and your bikes if stolen.

Starts at $52 a month

NOA Insurance

Follows you on rented and
borrowed cars.

Starts at $18 a month

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