D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Mar 3, 2021

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Just the Basics

  • Full coverage car insurance usually refers to liability, collision, and comprehensive coverages
  • Full coverage is not a requirement to meet state minimums
  • Full coverage pays for damages to your vehicle, the other driver’s vehicle, and bodily injuries

Full coverage car insurance is just like it sounds. It fully covers both your vehicle and the other driver’s vehicle,  property damage, and bodily injury. Since it offers much more coverage, it is more expensive than just basic liability insurance.

Although full coverage auto insurance isn’t a requirement, it will definitely give you peace of mind.

Keep reading to learn exactly what is full coverage insurance and if you should get it.

You need to know how to reduce the cost of car insurance, and shopping around before you buy full coverage car insurance is the best way to get cheap coverage.

To compare full coverage car insurance rates, enter your ZIP code now.

What is full coverage car insurance?

Full coverage is actually several different coverages added together to your auto insurance policy. Liability, collision, and comprehensive coverages make up what is generally considered full coverage.

Most states require drivers to carry at least a minimum amount of liability and bodily injury coverage but don’t require collision or comprehensive coverages.

Also note that, according to the Insurance Information Institute, uninsured and underinsurance motorist coverage can also be necessary to meet state minimum requirements. In no-fault states, you may also be required to carry Personal Injury Protection (PIP).

While liability coverage pays for property damage and bodily injury for the person you hit, collision insurance pays for repairs for your car. Comprehensive coverage pays for damages to your car not resulting in a collision, such as fire, theft, or vandalism.

These three insurances all offer different coverage and work together to provide you with full coverage car insurance.

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How much does full coverage car insurance cost?

While full coverage auto insurance is more expensive than just liability insurance, the amount of coverage you get also increases.

Liability insurance averages $312 a month, and full coverage is around $345 a month. For an extra $33 a month, your vehicle damages are fully covered.

There are many different factors that affect the price of car insurance.

For example, car insurance rates will vary based on the coverage level you choose, your deductible, and your coverage limits. Rates will also vary based on your age and the state that you live in.

Who needs full coverage car insurance?

Car insurance isn’t one size fits all, but there are certain times that you need full coverage auto insurance.

Here are some reasons you should consider full coverage:

  • You have a new car – Most lenders will require you to carry full coverage car insurance if you finance your vehicle.
  • You live in an area that is high risk – If you live in an area with a lot of traffic, theft, or natural disasters, full coverage will be necessary.
  • You can’t afford to replace or repair your car – Full coverage will handle the cost of repairs or replacement if your vehicle is damaged and will save you from having to pay for it yourself.

You may consider skipping full coverage if you rarely drive your car or it is not worth much money.

The good news is that there is an easy way to find affordable full coverage car insurance. Shop around and compare quotes from multiple companies to find the best deal for you.

Enter your ZIP code now to compare full coverage car insurance quotes near you.