Personal Auto Insurance Coverages

You rely on your car to start when you need it. You rely on your insurance to give you what you need, too. A personal auto policy from Main Street America brings you protection from:

Bodily Injury Liability

If you injure someone in a car accident, this coverage pays for his or her medical expenses and any damages awarded in a lawsuit.

Property Damage Liability

This provides coverage if you are responsible for an accident and damage someone's property.

Uninsured / Underinsured Motorists

If you are injured in an accident and the person at fault has no insurance or insufficient coverage, we will pay for your losses, damages, medical bills, lost wages, and pain and suffering.


Main Street America offers highly competitive rates, enhanced coverage options and a wide variety of discounts designed to meet the personal auto insurance needs of individuals and families who exhibit care and responsibility with regard to their driving habits, vehicles and loss history.

  • New Vehicle Replacement
  • Diminishing Deductible Rewards
  • Accident Forgiveness
  • Original Equipment Manufactured Parts Replacement
  • Full Safety Glass
  • Roadside Assistance
  • Loan-Lease Protection
  • Other Valuable Coverages

Extend Your Auto Coverage

Auto Elite Program - This includes three different levels of coverage. All levels offer transportation expense, personal clothing/baggage, roadside assistance and accidental airbag deployment. Additional coverages include trip interruption, disappearing collision deductible, loan/lease, extra medical expense benefits plus accident forgiveness.


MSA Auto

Extra Savings/Discounts

Up to 20 discounts available to make your premiums even more affordable. For example, we offer discounts to drivers who equip their car with anti-theft devices or safety equipment, or increase their collision and comprehensive deductibles. A premium reduction may also be available if you insure both your automobile and home with us. 

Be sure to ask your independent agent if you qualify for these and other discounts.

  • New Customer
  • Multi-Policy
  • Accident-Free
  • Violation-Free
  • New Vehicle
  • Multi-vehicle
  • Paid in Full
  • Electronic Funds Transfer
  • Mature Operator (65+)
  • Coverage Level
  • Loyalty 
  • Good Student
  • Student Away from School
  • Driver Training
  • Accident Prevention Course
  • Vehicle Safety
  • Anti-Theft

Why Choose Us

The Main Street America Group was founded in 1923 in Keene, N.H., when the Grange Fraternity created an entity to provide affordable auto liability insurance to Grange Fraternity members. 


Today, Main Street America provides personal lines and commercial lines insurance to “Main Street” individuals, families, and small businesses, as well as fidelity bonds and surety bonds


Our products are offered exclusively through independent insurance agents. We believe that independent agents offer the best value when shopping for insurance because they represent many companies and can find the best combination of coverage, price, and service.


Main Street America’s products and services are backed by financial strength. We write over $1 billion in premium annually and carry an “A” (“Excellent”) Financial Strength Rating and “a+” Issuer Credit Rating from A.M. Best, the insurance industry’s premier rating organization.