How to Compare Car Insurance Quotes 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

What Does Full-Coverage Car Insurance Cover?

Updated on:
Content was accurate at the time of publication.

Full-coverage car insurance handles your own expenses that liability coverage alone does not. Liability insurance by itself only covers damages and injuries to others involved in an accident, none of your own.

Full-coverage auto insurance isn’t required by state law, but you will probably need to get it if you finance or lease a car. It’s also good to have if your car is new or expensive.

Find the Cheapest Car Insurance Quotes in Your Area

Full-coverage insurance usually includes three types of coverage: liability, collision and comprehensive. It covers damage and injuries to others, along with your own expenses due to the damage to or theft of your car

Liability insurance

Liability insurance protects you from expenses tied to injuries and damage you cause to others. This includes legal fees, court-ordered fines and medical bills.

The biggest difference between liability insurance by itself and full-coverage car insurance is that liability insurance only covers the expenses of others. Full-coverage insurance pays the expenses of others as well as your own.

Collision insurance

Collision insurance covers the repair or replacement of your vehicle after a covered peril damages or totals it.

Collision insurance comes into play in accidents that you cause. If another driver causes damage to your car, their liability insurance usually covers it.

Comprehensive insurance

Comprehensive insurance covers damage to your vehicle that’s not caused by a collision. This includes:

  • Theft and vandalism
  • Fire
  • Ice and hail damage
  • Collision with an animal
  • Flood

While theft of your car is covered under comprehensive insurance, theft of personal property within your car is not. That would be covered under your renters or home insurance policy.

Other coverages

There are other types of car insurance you may be required to get, depending on the state you live in. They include:

  • Personal injury protection (PIP): PIP covers injury-related expenses you may accrue after an accident. This includes medical expenses, rehabilitation costs and lost wages. PIP is usually mandated in “no-fault” states, where your insurance company pays for your medical expenses no matter who causes an accident.
  • Uninsured and underinsured motorist coverage: These coverage types cover your medical and property damage expenses if you are hit by a driver with no liability insurance or not enough.

Full-coverage car insurance costs $1,972 a year, or $164 a month, on average. Your rate is based on several factors, including where you live.

Maine is the state with the cheapest average full-coverage rate of $1,100 a year. Michigan has the most expensive average rate of $4,638 a year.

Full-coverage car insurance by state

StateAverage annual rate
Alabama$1,979
Alaska$1,635
Arizona$2,683
Arkansas$1,879
California$1,867
Colorado$2,542
Connecticut$2,346
Delaware$2,482
Florida$2,990
Georgia$1,832
Hawaii$1,643
Idaho$1,227
Illinois$2,109
Indiana$1,511
Iowa$1,663
Kansas$1,991
Kentucky$2,295
Louisiana$2,719
Maine$1,100
Maryland$2,051
Massachusetts$2,068
Michigan$4,638
Minnesota$1,884
Mississippi$1,796
Missouri$1,908
Montana$2,174
Nebraska$1,909
Nevada$2,958
New Hampshire$1,146
New Jersey$2,236
New Mexico$1,953
New York$2,030
North Carolina$1,305
North Dakota$1,858
Ohio$1,329
Oklahoma$2,119
Oregon$2,115
Pennsylvania$1,861
Rhode Island$2,636
South Carolina$1,808
South Dakota$2,016
Tennessee$1,554
Texas$1,833
Utah$2,261
Vermont$1,232
Virginia$1,598
Washington$1,534
Washington, D.C.$2,082
West Virginia$1,701
Wisconsin$1,540
Wyoming$1,437

Other rate factors that determine what you pay for full-coverage car insurance include:

  • The make and model of your car
  • Your ZIP code
  • Your insurance claim record
  • The coverage limits you choose
  • Your deductible

Full-coverage car insurance is not needed under any state law, but your lender will probably require it if you lease or finance your vehicle.

Even if you are not required to have it, though, is full-coverage car insurance worth it?

If you have a new or expensive car, full-coverage insurance can be an excellent investment. If you have an older car, the payout may not be worth the cost of a full-coverage policy.

To get the cheapest full-coverage car insurance, take these steps:

  • Compare quotes from many different car insurance companies: Start off by getting several full-coverage insurance quotes from different providers. Use the same limits and deductible amounts for each to get the best comparison. Check each company’s customer satisfaction ratings from J.D. Power and the NAIC Complaint Index as well.
  • Raise your deductible: The higher your deductible, the lower your car insurance rate. This relies on it fitting in your budget if you do need to file a claim, but it can be a good step to take if you have a clean driving record.
  • Discounts: Most auto insurance companies offer a range of discounts to stay competitive. Ask an agent what discounts are available to drive your rate down.

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of thousands of car insurance quotes for sample drivers in every state. Your rates may vary.

Unless stated otherwise, our sample driver is a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.

Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include the following limits and deductibles:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Collision: $500 deductible
  • Comprehensive: $500 deductible