Who do Standard Coverage Insurance Companies primarily cover?

Standard Coverage Insurance Companies primarily cover the average individual because their policies are designed to meet the typical requirements and risk profiles of most drivers. These companies offer a range of coverage options that provide basic protection in line with standard state requirements, which includes liability coverage for damages caused to others in an accident.

The focus on the average individual means that these insurance providers typically evaluate risk in a standard manner and do not target high-risk groups or those with unique insurance needs, such as individuals who may require extensive coverage beyond the typical offerings. While teen drivers might be a demographic served by standard coverage providers, they often have higher premiums due to being considered high-risk. Thus, the average individual seeking basic and balanced insurance will find the standard coverage policies most appropriate for their needs.