Standard Auto Insurance refers to a basic level of coverage that is typically required by law for drivers to have. It usually includes liability insurance, which covers damages caused to others in an accident that you are deemed responsible for, as well as collision and comprehensive coverage, which protects your own vehicle from damage or theft. The specific details of standard auto insurance may vary depending on state laws and individual policies, but it provides a basic level of protection against financial loss due to accidents or other incidents involving vehicles.