Full Coverage Car Insurance: What It Is & How Much It Costs
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What is Full Coverage Car Insurance?
"Full coverage" isn't a specific policy type—it's an industry term that typically refers to a combination of:
- Liability insurance (required in most states)
- Comprehensive coverage (non-collision damage like theft, weather, vandalism)
- Collision coverage (damage from accidents)
💡 Full Coverage at a Glance
- Average cost: $1,600-2,000/year ($130-165/month)
- Who needs it: Car loan/lease holders, newer vehicles
- Typical deductible: $500-1,000
- Covers: Your car + damage to others
Full Coverage Breakdown
| Coverage Type | What It Covers | Avg. Annual Cost |
|---|---|---|
| Liability | Damage/injuries you cause to others | $450-700 |
| Collision | Your car after an accident | $400-600 |
| Comprehensive | Theft, weather, vandalism, animals | $150-300 |
| Uninsured Motorist | Hit-and-runs, uninsured drivers | $50-150 |
| Medical Payments | Your medical bills after an accident | $30-100 |
How Much Does Full Coverage Cost?
Full coverage costs significantly more than minimum liability, but the added protection can be worth it:
| Driver Profile | Minimum Coverage | Full Coverage |
|---|---|---|
| Good driver (35, clean record) | $45/mo | $125/mo |
| Young driver (20 years old) | $85/mo | $220/mo |
| Senior (65+ years) | $50/mo | $140/mo |
| High-risk (DUI/accidents) | $120/mo | $300/mo |
Do You Need Full Coverage?
✅ You NEED full coverage if:
- You have a car loan or lease (lenders require it)
- Your car is worth more than $10,000
- You can't afford to replace your car out-of-pocket
- You rely heavily on your vehicle for work
❌ You might SKIP it if:
- Your car is paid off and worth less than $5,000
- Your annual premium exceeds 10% of the car's value
- You have enough savings to replace your car
Best Companies for Full Coverage
GEICO
Best for: Low rates
- ✅ $120/mo average full coverage
- ✅ Strong customer service
USAA
Best for: Military families
- ✅ Lowest rates available
- ✅ Top-rated claims
Progressive
Best for: Customization
- ✅ Snapshot® discounts
- ✅ Deductible options
Full Coverage FAQs
What is full coverage car insurance?
Full coverage car insurance typically includes liability insurance plus comprehensive and collision coverage. It protects you from damage to your own vehicle in addition to damage you cause to others.
How much does full coverage cost?
Full coverage car insurance costs an average of $1,600-2,000 per year, or about $130-165 per month. Costs vary significantly based on your location, driving record, age, and vehicle.
Do I need full coverage?
You may need full coverage if: 1) You have a car loan or lease (lenders require it), 2) Your car is worth more than $10,000, 3) You can't afford to replace your car out-of-pocket.
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