Is full coverage really full?

Full coverage insurance provides several coverages, including collision coverage, comprehensive insurance, and roadside assistance. Full coverage auto insurance is $90 a month on average. However, full coverage auto insurance rates vary for each company. You can shop around and compare multiple companies to secure the best full coverage rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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 in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jan 14, 2022

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Can't-Miss Facts

  • Full coverage auto insurance is a combination of personal and vehicle coverage
  • On average, full coverage auto insurance rates are $90/month
  • Some states have more than bodily injury and property damage liability attached to full coverage
  • Drivers who still make payments on a car are required to buy full coverage auto insurance

Do you need auto insurance with full coverage? Some car insurance companies argue that full coverage insurance is a myth. But it’s not true. Full coverage car insurance exists, and it’s required under specific conditions.

But what is full coverage insurance, and how much is full coverage insurance? Don’t worry – we’ll answer those questions.

This article explains everything you need to know about full coverage auto insurance, why comparing liability vs. full coverage auto insurance rates is important, and which companies provide the most affordable full coverage auto insurance.

Read on to learn all about full coverage auto insurance. Use our free online quote tool above if you’re ready to compare multiple insurance companies in your area.

Is full coverage really full?

Yes, it is. Full coverage is a group of personal and vehicle coverages on your car insurance policy. But what are personal and vehicle coverage options?

Personal coverages focus on injuries, medical bills, and personal injury wages. Some coverages even provide assistance when a driver doesn’t have enough insurance to cover your bodily injury costs.

Vehicle coverages pay for damage to your car regardless of fault.

  • Personal Coverages
    • Bodily injury (BI) liability
    • Property damage (PD) liability
    • Personal injury protection (PIP)
    • Uninsured/Underinsured motorist (UM/UIM) coverage
    • Medical payments (MedPay)
  • Vehicle Coverages
    • Collision insurance
    • Comprehensive insurance
    • Towing and labor coverage
    • Rental car reimbursement
    • Gap insurance

Full coverage auto insurance may also come with other special coverages, such as roadside assistance. Some companies provide perks with full coverage car insurance like accident forgiveness, vanishing deductible, and total loss deductible waivers.

Is full coverage auto insurance mandatory?

It depends. Drivers who still make payments on their vehicles are required to have full coverage car insurance.

You won’t need full coverage insurance if you already own your car. However, we highly recommend that you keep full coverage, especially if the vehicle was manufactured in the last five years.

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How much are full coverage auto insurance rates?

Full coverage car insurance rates vary by state. According to the National Association of Insurance Commissioners (NAIC), full coverage insurance is $90 a month on average.

However, the average car insurance rates change for different states in America. Let’s look at each state’s average rate for full coverage insurance.

Monthly Auto Insurance Rates by State and Coverages
StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$37$28$14$79
Alaska$47$31$12$90
Arizona$48$25$16$89
Arkansas$36$29$17$82
California$45$36$8$88
Colorado$49$25$17$91
Connecticut$59$32$11$102
Delaware$69$28$11$107
District of Columbia$58$41$19$118
Florida$76$26$11$113
Georgia$55$30$14$98
Hawaii$39$27$9$75
Idaho$32$20$10$62
Illinois$40$27$11$77
Indiana$34$22$11$67
Iowa$27$19$16$62
Kansas$32$23$21$76
Kentucky$47$24$12$83
Louisiana$73$37$19$128
Maine$30$23$9$62
Maryland$55$31$13$100
Massachusetts$52$34$12$98
Michigan$72$37$13$121
Minnesota$39$20$16$76
Mississippi$41$29$18$88
Missouri$38$24$16$79
Montana$34$23$21$77
Nebraska$33$21$20$74
Nevada$64$27$10$100
New Hampshire$35$26$9$70
New Jersey$76$33$11$119
New Mexico$44$24$15$84
New York$71$34$15$120
North Carolina$31$26$11$67
North Dakota$25$22$20$67
Ohio$35$24$10$69
Oklahoma$40$27$20$88
Oregon$53$20$8$81
Pennsylvania$43$29$13$85
Rhode Island$68$36$11$116
South Carolina$50$24$16$89
South Dakota$26$19$24$69
Tennessee$37$27$13$77
Texas$49$33$19$101
Utah$45$23$10$78
Vermont$30$26$11$68
Virginia$38$25$12$74
Washington$53$24$9$86
West Virginia$43$28$18$88
Wisconsin$33$20$12$65
Wyoming$29$24$23$75
**National Average**$48$29$13$90
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Liability car insurance is about 53% cheaper than full coverage insurance.

The NAIC projects cheap collision and comprehensive insurance coverage, but your rates could increase once you factor in your vehicle.

How much are full coverage auto insurance quotes at the best companies?

Full coverage car insurance quotes vary for each company. Car insurance companies calculate quotes differently.

Therefore, shopping with another auto insurance company generates various rates for the same or lesser service.

Let’s look at an example of how full coverage car insurance varies at the top insurance companies in the United States.

Average Monthly Full Coverage vs. Liability-Only Auto Insurance Rates
CompaniesMonthly Full Coverage Auto Insurance RatesMonthly Liability-Only Auto Insurance Rates
Allstate$318$162
American Family$224$114
Farmers$288$147
GEICO$179$91
Liberty Mutual$398$203
Nationwide$229$117
Progressive$283$144
State Farm$235$120
Travelers$287$147
USAA$161$82
Average$260$133

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Although these are the average rates, you can get more affordable full coverage car insurance rates under specific circumstances.

The best factors for cheap car insurance are a clean driving record, good credit, low annual commute mileage, a higher deductible, and several discounts.

Can I get a higher policy limit for full coverage auto insurance?

Yes, you can. The car insurance company also recommends getting a 50/100/50 coverage limit.

The 50/100/50 policy limit means $50,000 for bodily injury of one person per accident, $100,000 for bodily injury of multiple people per accident, and $50,000 for property damage per accident.

Higher coverage amounts increase monthly auto insurance rates, though. However, you can offset the rise of car insurance with discounts.

What are the best auto insurance discounts for full coverage?

The best car insurance deals for drivers with full coverage insurance are the safe driver (also called the defensive driver discount) and good credit discounts.

Clean driving records can save you at least 20% on auto insurance. Meanwhile, good credit discounts provide up to 30% off.

When you combine other deals like safety features, multiple drivers, or multiple vehicles, you can save even more. However, deals vary for each company.

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Full Coverage Auto Insurance: The Bottom Line

It’s essential to compare auto insurance quotes before you buy full coverage auto insurance. Some car insurance companies leave out some coverage options that other companies consider critical.

Also, comparing multiple car insurance companies allows you to choose the best deal. Now that you know more about full coverage auto insurance, enter your ZIP code in the free online quote tool below to compare quotes at multiple insurance companies near you.

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