30 Auto Insurance Quiz Questions and Answers

Auto insurance, also known as car insurance or motor insurance, is a type of insurance policy that provides financial protection against losses or damages incurred as a result of owning, operating, or using a motor vehicle. It is a contract between the vehicle owner and the insurance company, where the owner pays a premium in exchange for coverage in case of certain specified events or accidents.

Auto insurance policies have different types of coverage limits and deductibles. The coverage limit refers to the maximum amount the insurance company will pay for a covered loss, while the deductible is the amount the insured must pay out of pocket before the insurance coverage kicks in.

It’s important to note that auto insurance requirements and regulations vary by country and state. In many jurisdictions, having auto insurance is a legal requirement to drive a motor vehicle on public roads. The specific coverage options, premiums, and requirements may vary based on factors such as the insured’s driving history, the type of vehicle, and the location.

Article outline

• Part 1: 30 auto insurance quiz questions & answers
• Part 2: Download auto insurance questions & answers for free
• Part 3: Free online quiz creator – OnlineExamMaker

Part 1: 30 auto insurance quiz questions & answers

1. What does liability coverage in auto insurance protect against?
a) Damage to your own vehicle
b) Theft of your vehicle
c) Bodily injury or property damage caused to others
d) Medical expenses for you and your passengers
Answer: c) Bodily injury or property damage caused to others

2. What type of coverage pays for damages to your vehicle caused by a collision with another vehicle or object?
a) Liability coverage
b) Comprehensive coverage
c) Collision coverage
d) Personal Injury Protection (PIP)
Answer: c) Collision coverage

3. Which of the following incidents would be covered by comprehensive auto insurance?
a) Damage from a car accident
b) Theft of your vehicle
c) Medical expenses for injuries sustained in an accident
d) Liability for property damage caused to others
Answer: b) Theft of your vehicle

4. What is the purpose of Personal Injury Protection (PIP) coverage in auto insurance?
a) To cover damages to your vehicle caused by a collision
b) To provide liability coverage for bodily injury or property damage
c) To pay for medical expenses and other related costs after an accident
d) To protect against damages caused by uninsured drivers
Answer: c) To pay for medical expenses and other related costs after an accident

5. Which type of coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance?
a) Liability coverage
b) Comprehensive coverage
c) Collision coverage
d) Uninsured/Underinsured motorist coverage
Answer: d) Uninsured/Underinsured motorist coverage

6. What does the term “deductible” refer to in auto insurance?
a) The amount you pay out of pocket before insurance coverage kicks in
b) The total amount of coverage provided by the insurance policy
c) The premium you pay for the insurance policy
d) The maximum amount the insurance company will pay for a covered loss
Answer: a) The amount you pay out of pocket before insurance coverage kicks in

7. Which factor typically influences the premium you pay for auto insurance?
a) The color of your vehicle
b) The number of miles you drive per day
c) Your credit score
d) Your driving history and record
Answer: d) Your driving history and record

8. What does the term “bodily injury liability” refer to in auto insurance?
a) Coverage for damages to your own vehicle
b) Coverage for medical expenses incurred by you and your passengers
c) Coverage for bodily injury or death caused to others in an accident
d) Coverage for damage to property caused by your vehicle
Answer: c) Coverage for bodily injury or death caused to others in an accident

9. Which coverage option is required by law in many jurisdictions to drive a vehicle on public roads?
a) Comprehensive coverage
b) Collision coverage
c) Liability coverage
d) Personal Injury Protection (PIP) coverage
Answer: c) Liability coverage

10. What does the term “premium” refer to in auto insurance?
a) The amount you pay out of pocket before insurance coverage kicks in
b) The maximum amount the insurance company will pay for a covered loss
c) The cost of the insurance policy, paid periodically
d) The total amount of coverage provided by the insurance policy
Answer: c) The cost of the insurance policy, paid periodically

11. What is the purpose of an insurance deductible?
a) To determine the maximum coverage provided by the insurance policy
b) To reduce the premium cost of the insurance policy
c) To provide coverage for damages to your vehicle
d) To share the financial responsibility of a claim with the insured
Answer: d) To share the financial responsibility of a claim with the insured

12. What does the term “full coverage” typically refer to in auto insurance?
a) Coverage that includes liability, collision, and comprehensive insurance
b) Coverage that includes liability and collision insurance only
c) Coverage that includes comprehensive and personal injury protection insurance
d) Coverage that includes personal injury protection and uninsured/underinsured motorist insurance
Answer: a) Coverage that includes liability, collision, and comprehensive insurance

13. What is the purpose of uninsured/underinsured motorist coverage in auto insurance?
a) To cover damages to your own vehicle caused by an uninsured driver
b) To pay for medical expenses and other related costs after an accident
c) To protect against damages caused by drivers with insufficient insurance
d) To provide liability coverage for bodily injury or property damage caused to others
Answer: c) To protect against damages caused by drivers with insufficient insurance

14. What is the primary factor considered by insurance companies when determining auto insurance premiums?
a) The color of the vehicle
b) The number of previous accidents the insured has been involved in
c) The make and model of the vehicle
d) The age and driving record of the insured
Answer: d) The age and driving record of the insured

15. Which of the following incidents would typically be covered by liability coverage in auto insurance?
a) Damage to your own vehicle caused by a collision
b) Theft of your vehicle
c) Bodily injury or property damage caused to others in an accident where you’re at fault
d) Medical expenses for you and your passengers
Answer: c) Bodily injury or property damage caused to others in an accident where you’re at fault

Part 2: Download auto insurance questions & answers for free

16. What does the term “excess coverage” refer to in auto insurance?
a) Additional coverage for damage to your vehicle beyond the deductible amount
b) Coverage that extends to other drivers not listed on the policy
c) Coverage for damages caused by an uninsured driver
d) Additional coverage for medical expenses beyond the policy limit
Answer: a) Additional coverage for damage to your vehicle beyond the deductible amount

17. Which of the following is an example of a factor that can affect auto insurance premiums?
a) The type of music you listen to while driving
b) The number of passengers you typically have in your vehicle
c) The distance of your daily commute
d) The brand of clothing you wear
Answer: c) The distance of your daily commute

18. What does the term “no-fault insurance” refer to in auto insurance?
a) Insurance coverage that doesn’t require the insured to pay a deductible
b) Insurance coverage that provides protection regardless of who is at fault in an accident
c) Insurance coverage that only applies if the insured is at fault in an accident
d) Insurance coverage that doesn’t require the insured to have liability coverage
Answer: b) Insurance coverage that provides protection regardless of who is at fault in an accident

19. What does the term “endorsement” refer to in auto insurance?
a) A reduction in the premium cost of the insurance policy
b) A change or addition to the terms of the insurance policy
c) The total amount of coverage provided by the insurance policy
d) The amount you pay out of pocket before insurance coverage kicks in
Answer: b) A change or addition to the terms of the insurance policy

20. Which of the following factors may result in an increase in auto insurance premiums?
a) Maintaining a clean driving record
b) Completing a defensive driving course
c) Adding safety features to your vehicle
d) Being involved in multiple accidents
Answer: d) Being involved in multiple accidents

21. What is the purpose of medical payments coverage in auto insurance?
a) To provide liability coverage for bodily injury or property damage caused to others
b) To cover damages to your own vehicle caused by a collision
c) To pay for medical expenses incurred by you and your passengers
d) To protect against damages caused by drivers with insufficient insurance
Answer: c) To pay for medical expenses incurred by you and your passengers

22. What does the term “subrogation” refer to in auto insurance?
a) The process of filing an insurance claim
b) The act of an insurance company canceling a policy
c) The transfer of rights between the insured and the insurer
d) The insurance company’s right to recover costs from a third party after paying a claim
Answer: d) The insurance company’s right to recover costs from a third party after paying a claim

23. Which type of auto insurance coverage typically has a set limit that determines the maximum amount the insurance company will pay for a covered loss?
a) Liability coverage
b) Comprehensive coverage
c) Collision coverage
d) Personal Injury Protection (PIP) coverage
Answer: a) Liability coverage

24. What does the term “exclusion” refer to in auto insurance?
a) A clause that limits the coverage provided by the insurance policy
b) A specific event or condition that is not covered by the insurance policy
c) The total amount of coverage provided by the insurance policy
d) The maximum amount the insurance company will pay for a covered loss
Answer: b) A specific event or condition that is not covered by the insurance policy

25. What does the term “named insured” refer to in auto insurance?
a) The person who is listed as the primary driver of the insured vehicle
b) The insurance agent who sells the policy
c) The person or entity whose name appears on the insurance policy
d) The insurance company providing the coverage
Answer: c) The person or entity whose name appears on the insurance policy

26. Which type of auto insurance coverage is typically required by lenders when financing a vehicle?
a) Liability coverage
b) Comprehensive coverage
c) Collision coverage
d) Personal Injury Protection (PIP) coverage
Answer: b) Comprehensive coverage

27. What is the purpose of an insurance claim in auto insurance?
a) To request additional coverage for damages to your vehicle
b) To cancel the insurance policy
c) To initiate the process of receiving compensation for a covered loss
d) To reduce the premium cost of the insurance policy
Answer: c) To initiate the process of receiving compensation for a covered loss

28. Which of the following is an example of a factor that can affect auto insurance premiums?
a) The insured’s favorite color
b) The insured’s preferred type of music
c) The insured’s favorite sports team
d) The insured’s credit score
Answer: d) The insured’s credit score

29. What does the term “bodily injury” refer to in auto insurance?
a) Damage to your own vehicle caused by a collision
b) Damage to property caused by your vehicle
c) Bodily harm or physical injury caused to another person in an accident
d) The cost of medical treatment after an accident
Answer: c) Bodily harm or physical injury caused to another person in an accident

30. What does the term “at-fault” refer to in auto insurance?
a) Being involved in multiple accidents
b) Causing bodily injury or property damage to another person in an accident
c) Being the primary driver of the insured vehicle
d) Having a clean driving record
Answer: b) Causing bodily injury or property damage to another person in an accident

Part 3: Free online quiz maker – OnlineExamMaker

OnlineExamMaker makes it simple to design and launch interactive quizzes, calculators, assessments, and surveys. With the Question Editor, you can create multiple-choice, open-ended, matching, sequencing and many other types of questions for your tests, exams and inventories. You are allowed to enhance quizzes with multimedia elements like images, audio, and video to make them more interactive and visually appealing.