Full Coverage Auto Insurance

Full coverage auto insurance is $86 per month on average. However, full coverage car insurance cost varies by state, company, age, gender, and other factors that affect car insurance rates. Auto insurance discounts on full coverage policies can reduce rates. The key to affordable full coverage auto insurance is comparing multiple companies and shopping around.

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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 worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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Overview

  • Full coverage auto insurance coverage is collision and comprehensive added to liability auto insurance.
  • Auto insurance is more expensive under full coverage.
  • If you finance a vehicle, you’re required to get full coverage auto insurance.
  • You can lower full coverage auto insurance through discounts.

Full coverage auto insurance is liability, collision, and comprehensive auto insurance coverage in one policy. Your auto insurance rates will be more expensive than if you carry only what’s required based on a state minimum liability coverage chart, but you’ll have extra coverage for your vehicle.

Even though full coverage auto insurance quotes cost more, you can lower prices through discounts and other factors that determine auto insurance.

Get a quick look at affordable full coverage auto insurance in your local area by entering your ZIP code in the FREE online comparison tool. For more details about full coverage car insurance quotes, continue reading.

What is full coverage auto insurance?

Full coverage car insurance is identified as a myth at some car insurance companies. Why? That’s because full coverage is simply collision and comprehensive insurance added to your policy.

So what does auto insurance cover? Auto insurance protects you when you get into an accident with someone else.

However, collision and comprehensive coverage help with damages to your vehicle regardless of whether you’re at fault.

Read on to learn more about the most effective coverage option in the auto insurance industry.

Liability Auto Insurance

The essential car insurance coverage for all drivers is liability coverage. In most states, liability auto insurance is required by law. What’s liability coverage?

Liability coverage pays for bodily injury and property damage where you’re at fault in an accident. It’s made up of two or more coverages, such as:

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist Coverage (UM/UIM)
  • Personal Injury Protection (PIP)
  • Medical Payments (MedPay)

Requirements vary by state, but bodily injury and property damage liability are always part of liability coverage. Any added coverages required shouldn’t affect your annual rates. If UM/UMM, PIP, and MedPay aren’t part of your state’s requirements, you may pay extra for them.

Collision Auto Insurance

When you want extra coverage for your vehicle regardless of fault, you should get collision car insurance. If you get into an accident, your auto insurance provider will help you with the cost of repairs.

Your car insurance company will compensate you so you can get another vehicle if the accident results in a total loss.

Comprehensive Auto Insurance

For accidents that don’t involve colliding with another vehicle or object, you’ll need comprehensive auto insurance. Comprehensive coverage pays for damage related to vehicle theft, fire, storms, falling objects, and other accidents that don’t involve a collision.

Special Auto Insurance Coverages

Each full coverage auto insurance company carries special car insurance coverages. Here are three you may recognize.

  • Roadside Assistance
  • Rental Reimbursement
  • Travel Insurance

Sometimes roadside assistance comes as a perk when you purchase car insurance. However, rental reimbursement may be one you have to ask for when you buy full coverage auto insurance.

Travel insurance is one of those coverages that many people ignore. It’s very convenient if you’re stranded while you’re on vacation.

Do I need full coverage on my car?

If you’re financing your vehicle, you’ll need full coverage auto insurance. A quote for full coverage auto insurance is more expensive than liability-only insurance, but the benefits of full coverage auto insurance will ensure that your vehicle is paid for if you get into an accident.

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How much is full coverage auto insurance?

According to the National Association of Insurance Commissioners (NAIC), the national average for full coverage auto insurance is $86 per month. But what about the other states?

We did some digging and found a complete list of full coverage car insurance rates by state. Compare full coverage auto insurance in the data below. Use the search box to search for a state quickly.

Average Monthly Full Auto Insurance Coverage Rates by State
StatesAverage Monthly Full Coverage Auto Insurance Rates
Idaho$59
Maine$60
Iowa$60
Wisconsin$62
Indiana$64
North Carolina$65
North Dakota$65
South Dakota$65
Vermont$66
Ohio$67
New Hampshire$68
Nebraska$71
Virginia$72
Wyoming$73
Kansas$73
Hawaii$73
Minnesota$73
Tennessee$74
Utah$74
Montana$74
Illinois$75
Missouri$75
Alabama$75
Oregon$78
Arkansas$78
Kentucky$80
New Mexico$80
Washington$82
Pennsylvania$82
California$84
South Carolina$84
Mississippi$84
Arizona$84
Oklahoma$85
Colorado$85
Countrywide$86
West Virginia$87
Alaska$89
Georgia$91
Texas$95
Nevada$95
Massachusetts$95
Maryland$95
Connecticut$99
Delaware$104
Florida$108
Rhode Island$111
District of Columbia$114
New York$115
Michigan$116
New Jersey$117
Louisiana$121
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The cheapest full coverage car insurance is found in Idaho, Iowa, and Maine. However, the most expensive states for full coverage auto insurance are Michigan, Louisiana, and New Jersey.

Who has the cheapest full coverage auto insurance rates?

The best full coverage car insurance company is the company that meets your needs.

If your needs happen to align with a company that offers cheap full coverage car insurance quotes online, then this a section you may want to pay close attention to.

Let’s compare the monthly cost of full coverage auto insurance from the top auto insurance companies in the United States.

Average Monthly Auto Insurance Rates by Company
Top Auto Insurance CompaniesAverage Monthly Auto Insurance Rates
Allstate$408
American Family$287
Farmers$349
GEICO$268
Liberty Mutual$508
Nationwide$287
Progressive$337
State Farm$272
Travelers$370
USAA$212
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USAA, GEICO, and State Farm have the cheapest full coverage car insurance for young drivers, married drivers, and senior drivers. However, USAA is only available to veterans and their immediate families.

How do you lower the cost of full coverage auto insurance?

To lower the average cost of full coverage auto insurance, you’ll need to take advantage of auto insurance discounts. Check out this list of discounts that can lower your full coverage auto insurance per month.

  • Multi-Policy Discount
  • Anti-Theft Discount
  • Multi-Vehicle Discount
  • Safe Driver Discount
  • Defensive Driver Discount
  • Anti-Lock Brakes Discount

There are other discounts available at your auto insurance company that you can take advantage of, so ask about different ways to save money when you purchase your policy.

Another way you can lower your auto insurance rates is through a good and excellent credit score. According to Experian, there’s a correlation between credit history and risk. Therefore, poor and fair credit holders have higher rates because their credit scores correlate to high risk.

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Full Coverage Auto Insurance: The Bottom Line

Understanding your car insurance policy is one of the essentials you’ll need to learn once you have car insurance. Don’t get pulled into the full coverage vs. comprehensive and collision argument. They’re both the same thing.

They provide overall auto insurance coverage that ensures that you can pay for bodily injury and property damage when you’re at fault and to pay for damage to your vehicle regardless of fault.

Start comparing full coverage auto insurance rates in your area by using our FREE comparison tool below.

Frequently Asked Questions: Full Coverage Auto Insurance

Now that you understand full coverage car insurance, let’s go over a few frequently asked questions we found across the web. Check back with us. As new information comes in, we’ll update this article and many others to help you save money on auto insurance.

#1 – What is the difference between full coverage insurance and comprehensive insurance?

Full coverage car insurance covers accidental damage, minimum car insurance requirements, and collision coverage, but comprehensive car insurance only covers accidental damage that’s not related to collisions.

#2 – How much is full coverage on a new car?

Full coverage car insurance for a new vehicle is between $144 and $167 per month.

#3 – Do I need full coverage insurance on a financed or used car?

Yes. All lenders require drivers to have full coverage car insurance, even for a used vehicle. Used cars that you own won’t need full coverage, but it’s in your best interest to carry full coverage if you drive it every day.

#4 – Do I need full coverage auto insurance on a new car?

New cars are likely financed or carry an expensive fair market value. You will need full coverage car insurance on your new car if it is financed, but even if it’s not, it’s a good idea. Find the cheapest full coverage insurance on a new car by shopping around.

#5 – How does full coverage insurance work?

Full coverage car insurance works by adding extra vehicle protection to your liability coverage options. Full coverage activates when your vehicle is damaged or if you need to pay for an accident where you’re at fault.

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