Full Coverage Car Insurance

Full coverage car insurance offers the highest level of protection for drivers by combining multiple essential coverages into one policy. While not a specific type of insurance, “full coverage” typically includes liability, collision, and comprehensive coverage — offering financial protection for both you and others on the road.

What Does Full Coverage Include?

Full coverage usually combines the following three types of protection:

Liability Insurance – Covers damage or injury you cause to others in an accident.
Collision Coverage – Pays to repair or replace your car after a crash, regardless of fault.
Comprehensive Coverage – Covers theft, vandalism, weather damage, falling objects, and other non-collision events.

Why Do People Choose Full Coverage?

Full coverage provides peace of mind for drivers who:

Drive new, financed, or leased vehicles
Live in areas with high accident or theft rates
Want complete financial protection in case of damage or total loss

Is Full Coverage Required?

It’s not legally required by states, but if you lease or finance your vehicle, lenders typically mandate full coverage until the car is paid off. Afterward, it’s up to you to decide whether to keep it based on your car’s value and personal risk tolerance.

What’s Not Included in Full Coverage?

Even with full coverage, you may still want to add other optional protections. These can include:

How Much Does Full Coverage Cost?

Full coverage costs more than liability-only policies, often around 2–3× more, depending on:

Your driving history
Your vehicle’s make, model, and age
Where you live
Chosen coverage limits and deductibles

Should You Drop Full Coverage on an Older Car?

If your car is paid off and its value is low, you might consider switching to liability-only insurance. However, if you can’t afford to repair or replace the car out-of-pocket, full coverage is still worth considering.

Compare Coverage Types

Still deciding? Compare your options with these helpful resources:

Get a Quote Today

Protect yourself from financial surprises by bundling the right coverages into one complete policy. Get a quote and see how full coverage fits your budget.

Related Coverage Types:

What is Full Coverage Car Insurance and do You Need it (6/24/2025) - When it comes to protecting your vehicle, understanding the different types of car insurance coverage is crucial. One of the most talked-about options is “full coverage” insurance — but what exactly does that mean? In this guide, we’ll break down what full coverage typically includes, whether it’s right for you, and how to make the ... Read more