What is Full Coverage Car Insurance?

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Full coverage auto insurance is a comprehensive insurance policy that typically includes a combination of several types of coverage to provide a broader level of protection for your vehicle. It’s important to note that the term “full coverage” can vary slightly in its specifics depending on the insurance company and the region.

The term “full coverage car insurance” can be confusing because there’s no one-size-fits-all policy called that. No insurance can cover every situation.

But choosing full coverage means you’re picking the best protection. It’s smart especially if you have a new car, live in a high-crime area, or want coverage for accidents and natural disasters.

How does full coverage auto insurance work?

When you have full coverage auto insurance, if your vehicle is damaged due to an accident, theft, vandalism, or any other covered incident, you’ll file a claim with your insurance company. Depending on the nature of the damage, the insurance company will assess the situation, possibly inspect the vehicle, and then provide compensation to either repair or replace the damaged parts or the entire vehicle.

Keep in mind that premiums for full coverage insurance tend to be higher due to the comprehensive protection it offers. When deciding whether to get full coverage, consider the value of your vehicle, your budget, and your level of comfort with the potential risks.

Always review your policy carefully and consult with your insurance provider to understand the exact coverage and terms that apply to your full coverage auto insurance policy.

Our full coverage car insurance calculator can help you estimate the cost of how much full coverage insurance will cost in your state, based on the make and model of your car.

What is full coverage auto insurance?

Full coverage auto insurance is designed to ensure you’re adequately covered, according to your individual needs. It goes beyond state minimum liability insurance. States require a baseline level of coverage. That level isn’t usually enough in most situations.

For instances, a state may require only $25,000 worth of liability coverage per person injured in an at-fault accident, $50,000 per accident and $25,000 for property damage. That coverage, often listed as 25/50/25, won’t be enough in many cases.

Other states, such as California and Pennsylvania, demand even less for drivers. Those states only require 15/30/5. New Hampshire, meanwhile, doesn’t require auto insurance.

Rather than minimum coverage, full coverage auto insurance usually features liability coverages as well as physical damage coverages of collision and comprehensive. When purchasing a full coverage car insurance policy it’s wise to bump up your liability limits to at least $100,000 per person injured in an at-fault accident, $300,000 per accident and $100,000 for property damage. That’s 100/300/100. Remember liability only covers those who you harm in an auto accident, not your own vehicle.

Car insurance is intended to serve two purposes. Collision and comprehensive protect you and your vehicle from damages. Liability covers you for damage to others and their property.

Let’s take a look at what each of these terms means and then take a look at how much this type of insurance costs, state-by-state.

What is comprehensive and collision coverage?

Some people have called comprehensive coverage the “Act of God” coverage because of the types of events that fall under its umbrella. Flood, wind damage or hail damaging your vehicle is all covered by comprehensive.

Comprehensive will pay to repair or replace your vehicle should it be stolen or sustain damage by a “covered cause.” These causes also include striking animals, a falling object, fire, or vandalism.

Collision coverage will pay for damage to your vehicle due to an auto accident, regardless of fault. You may have crashed into another car or object, such as a tree or utility pole. It will also cover your vehicle if it is overturned.

Comprehensive and collision coverage come with deductibles. You choose the deductible at the inception of your policy. Generally, $500 is the deductible amount most drivers pick. However, you can choose a lower deductible, such as $250 or a higher one of $1,000 or more. If you choose a higher deductible you will save on the cost of your policy since your car insurance company would have to pay out less if you made a claim. You can choose different deductibles for comprehensive and collision. Many insurance companies require you to carry both comprehensive and collision on your vehicle, not just one or the other.

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What is liability coverage?

Liability coverage is what it sounds like. This covers your liability for damage done to other vehicles/properties (property damage liability) or persons (bodily injury liability) in accidents deemed to be your fault.

Combining both types of liability coverage can effectively protect your assets. The highest liability limits are generally $250,000 per person bodily injury, $500,000 per accident, and $100,000 for property damage, though some auto insurers offer even higher limits.

What are other types of auto insurance coverage?

Auto insurance is more than collision, comprehensive, and liability. Here are other parts of a car insurance policy:

Uninsured motorist and underinsured motorist coverage — This type of coverage protects you against uninsured and underinsured motorists. Uninsured motorist coverage might be important for you if you live, work or frequently vacation in a state that doesn’t require its drivers to carry insurance. The coverage helps to handle medical expenses for bodily injury that you may suffer as the result of an accident caused by a driver that has no insurance or is underinsured.
Uninsured motorist property damage coverage — Similarly, this insurance will help to pay your vehicle’s repair bills if it’s damaged in a crash caused by a driver that has no insurance. This is a “Plan B” if you don’t have collision coverage. But it should be noted that because uninsured motorist property damage coverage tends to have low limits, collision coverage is still the best choice.
Personal Injury Protection (PIP) or MedPay — This type of coverage is another option to help you cover all your bases. It can help make sure you aren’t caught in a circumstance with no coverage for injuries. The coverage helps pay for injuries related to a car accident (up to the limits on your plan), no matter which driver is at fault. In “no-fault” states, PIP coverage is required and is your primary coverage, even if it turns out the other driver was at fault and that he or she has bodily injury coverage.

There are also several “add-ons” you can get for your policy to limit your out-of-pocket expenses as much as possible.

These include coverage for towing and labor and rental car reimbursement.

Liability, comprehensive and collision should form a tight plan to provide you with the full coverage car insurance you need. Moreover, it doesn’t need to cost a fortune.

Through careful research and comparison, you should be able to find cheap full coverage auto insurance that fits your needs and your budget.

What does auto insurance not cover?

Still, it should be noted that even the best policies and plans don’t cover everything.

Here are just some of the events and circumstances that would result in a claim being rejected by almost every insurance carrier:

Using your car in a car-sharing program (without being enrolled in special ridesharing coverage)
Racing
Off-roading
War
Nuclear disaster
Government seizure of the vehicle
Using your car as a taxi or for other business use
Intentional damage to the vehicle

How much does full coverage auto insurance cost?

Full coverage auto insurance costs more than minimum coverage. How much more?

Here’s the annual costs for $100,000 per person, $300,000 per accident and $100,000 for property damage.

You’ll see in this chart how much you can save by shopping around for auto insurance. We provide the rates for the highest and lowest costs from major insurers. We also include the average rate for auto insurance in each state. Through these figures, you can review how much more you may pay for full coverage auto insurance, bare bones coverage, and average coverage.

To get cheap full coverage car insurance rates for your specific situation, shop around. Comparing the rates of three or more car insurance companies is the best way to get the coverage that you need for an affordable premium.

State	Average annual rate	Highest rate	Lowest rate
Alabama	$1,299	$2,393	$684
Alaska	$1,109	$1,615	$825
Arizona	$1,356	$2,588	$715
Arkansas	$1,370	$2,131	$803
California	$1,518	$3,680	$581
Colorado	$1,404	$2,307	$648
Connecticut	$1,771	$3,538	$789
DC	$1,723	$2,913	$713
Delaware	$1,646	$2,798	$959
Florida	$1,823	$5,710	$886
Georgia	$1,340	$2,465	$600
Hawaii	$1,458	$2,680	$780
Idaho	$941	$1,782	$545
Illinois	$1,004	$2,581	$500
Indiana	$964	$1,874	$560
Iowa	$1,015	$1,827	$561
Kansas	$1,242	$2,510	$668
Kentucky	$1,752	$4,367	$641
Louisiana	$2,190	$4,555	$1,114
Maine	$925	$1,384	$463
Maryland	$1,390	$2,953	$877
Massachusetts	$1,191	$3,477	$678
Michigan	$2,484	$15,938	$764
Minnesota	$1,187	$2,162	$753
Mississippi	$1,323	$2,277	$689
Missouri	$1,154	$2,960	$638
Montana	$1,224	$1,907	$710
Nebraska	$1,113	$1,845	$620
Nevada	$1,746	$3,397	$905
New Hampshire	$1,101	$2,012	$498
New Jersey	$1,346	$2,734	$566
New Mexico	$1,253	$2,222	$776
New York	$1,759	$7,898	$604
North Carolina	$960	$1,640	$481
North Dakota	$1,315	$3,120	$662
Ohio	$952	$1,885	$530
Oklahoma	$1,643	$3,792	$830
Oregon	$1,264	$2,065	$756
Pennsylvania	$1,522	$6,507	$489
Rhode Island	$1,688	$4,132	$939
South Carolina	$1,260	$1,837	$808
South Dakota	$1,059	$1,661	$586
Tennessee	$1,214	$2,521	$646
Texas	$1,300	$2,937	$688
Utah	$1,199	$1,913	$626
Vermont	$963	$1,386	$474
Virginia	$972	$1,497	$615
Washington	$1,191	$2,019	$838
West Virginia	$1,375	$2,415	$941
Wisconsin	$1,351	$4,886	$530
Wyoming	$1,494	$2,073	$1,048

Methodology

Insure.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.