Is Full Coverage Really Full?
I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them.
Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Jan 4, 2022
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Here’s the Scoop
Full coverage is not a separate option from other insurance but a collection of liability, comprehensive, and collision car insurance
Premiums for full coverage car insurance are typically higher because the coverage is more inclusive
Full coverage insurance is best for new and/or expensive vehicles, financed or leased vehicles, long commutes, and location
Liability, comprehensive, collision, full coverage — what’s the difference?
Liability coverage will pay to repair damage that’s caused to others by you. Comprehensive coverage encompasses all accidents that are not listed as a collision, and collision coverage includes protection for at-fault or no-fault accidents. Full coverage insurance is a combination of liability, comprehensive, and collision insurance.
Damage from external factors such as accidents or vandalism are included in full coverage car insurance. Because full coverage utilizes each of the three types of coverage, premiums will most likely be higher. Full coverage is useful for new and/or expensive vehicles such as sports cars, financed or leased vehicles, cars driven for long commutes, and even your location if the area is prone to accidents or theft.
Find full coverage insurance rates in your area by entering your ZIP code in the free tool above.
What is Full Coverage Insurance?
Full coverage is not a type of car insurance coverage. Instead, full coverage auto insurance is a combination of liability, comprehensive, and collision insurances.
Liability insurance is covers bodily injury, medical payments of personal injury protection, and property damage.
Bodily injury: coverage for injuries you caused to someone else
Medical payments or personal injury protection: applies to coverage for the medical treatment of injuries including medical payments, and funeral costs
Property damage: covers damage caused to someone else’s property by your vehicle
Comprehensive coverage covers damage to your car not caused by collisions with another vehicle, but rather damage caused by:
Animals
Natural disasters
Fire
Vandalism
Theft of the entire car, or parts of the car
Falling objects
Broken windshields
Collision coverage is applied to any damage caused by impact with another object. Some examples of what is covered under collision coverage are: at-fault and no-fault accidents, collisions with a mailbox, and damages caused by driving over a pothole.
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How much is full coverage insurance?
Full coverage car insurance rates can vary anywhere from as low as $100 per month to as high as $200 per month.
Car Insurance CompaniesAverage Full Coverage Monthly RatesAverage Full Coverage Annual Premiums
Allstate$198$2,381
Farmers$153$1,830
GEICO$106$1,268
Progressive$130$1,562
State Farm$124$1,491
USAA$94$1,169
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Even though full coverage is more expensive, it’s worth consideration if your vehicle is new and/or expensive, financed or leased, or you drive a long commute each day. More reasons to consider full coverage is if your location is a high-risk area for theft or extreme weather, or if you can’t afford repairs or replacement costs out of pocket.
Liability vs. Full Coverage Insurance
The major difference between liability coverage and full coverage is that liability can be your state’s minimum required coverage amount and full coverage includes not only liability, but comprehensive and collision as well.
Typically, liability insurance includes bodily injury, medical payments, property damage, and uninsured motorists. Each state determines how much coverage is the minimum requirement. Often liability coverage is the least expensive option for car insurance.
On the other hand, full coverage insurance has higher premiums. You can pick and choose how much or little of each type of insurance is right for you. The insurance for full coverage is useful for:
Damage you cause to others
Medical treatment
Uninsured motorist
Damage to your car
Natural disasters
Theft
Is full coverage car insurance right for you?
Determining if full coverage is right for you depends on how much or little coverage you feel is necessary.
Full coverage insurance is a combination of liability, collision, and comprehensive. If you feel that only one or two of those options works for you then full coverage may be an excessive amount of coverage. On the contrary, if you’re interested in the maximum protection, then full coverage may be an insurance option you should consider.
Locate affordable full coverage rates near you by typing your ZIP code in the free tool below.
