Is full coverage really full?

Affordable full coverage car insurance provides liability, comprehensive, and collision coverage for you and your car. While full coverage is not required, drivers with newer, more expensive vehicles should consider looking into it. Drivers can buy full coverage car insurance for $112/month on average.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car 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 C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 28, 2021

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The Rundown

  • Full coverage insurance is made up of three different types of coverage
  • Drivers who own their car outright aren’t obligated to buy full coverage
  • Drivers can shop online to find the best deals for full coverage car insurance

Owning a vehicle means that you’ve made a big investment in yourself. You can use your car to go to work, to school, or on an adventure, so it’s important that you guard your investment with insurance that will protect it from collisions, the elements, and more.

This is where full coverage auto insurance comes into play. When it comes to insurance, full coverage is hard to beat. Drivers who want to protect themselves and their cars should take a look at just how much full coverage can do for them.

If you want affordable full coverage car insurance, you’re in luck. There are plenty of top insurance companies that offer full coverage car insurance at excellent rates, and you can find the cheapest car insurance quotes online without ever leaving the comfort of your home.

Enter your ZIP code to get free quotes for full coverage insurance from companies near you.

What is full coverage insurance?

Before you start shopping for full coverage car insurance quotes, it’s important to understand the car insurance basics so you can make an informed decision. Let’s start by breaking down what full coverage insurance is.

Full coverage isn’t actually a policy type. It’s actually a combination of three different types of coverage, which include:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage

These three coverage types all provide you with protection against different things. For example, with liability coverage, your insurance will cover the medical bills and vehicle repairs of other drivers if you ever cause an accident.

When it comes to liability vs. full coverage, simply think about it this way: Liability protects you from other people. If your liability levels are set at a high level, there’s a much lower chance of someone trying to sue you for damages after an accident.

Comprehensive coverage, on the other hand, protects only your vehicle from harm. Theft, fire damage, storm damage, and even falling tree branches are all covered by comprehensive.

Next on the list is collision coverage, and this coverage is very important. Collision coverage helps drivers repair or replace their cars after an accident without any thought to who was at fault.

It is important to note that while you are legally required to carry full coverage if you own your car, you must always carry liability.

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How much is full coverage insurance?

After learning how much full coverage can do for you, you may be wondering if the full coverage car insurance rates are worth it.

While full coverage does tend to be more expensive than just liability, you must remember that’s because so much more comes with it. To give you an idea of what you may pay for full coverage, take a look at this pricing breakdown of some major insurance companies:

Average Monthly Full Coverage and Liability-Only Car Insurance Rates

CompanyFull Coverage Car Insurance RatesLiability-Only Car Insurance Rates
Allstate$161$63
American Family$113$52
Farmers$125$47
GEICO$84$38
Liberty Mutual$137$52
Nationwide$95$37
Progressive$98$43
State Farm$100$41
Travelers$109$46
USAA$101$38

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Based on this data, you can expect to pay, on average, $112 per month for full coverage. Of course, these rates will shift depending upon the individual. There are many factors that go into rate calculation like age, driving history, credit score, location, and more.

How can drivers reduce full coverage insurance rates?

Besides maintaining a great driving record and keeping an eye on your credit score, you should always review your policy to make sure that every discount you qualify for has been applied to your policy.

You can use this chart below to compare how the discounts from your insurance company stack up against the competition:

Car Insurance Discounts By Company

Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107x
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75

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When shopping for a full coverage car insurance company, it’s important that you find one that makes such coverage affordable, not only through their discounts but through their pricing as well.

Full Coverage: What You Need to Know

Full coverage car insurance provides so much for you and your vehicle. Not only do you have the security of liability insurance, but you’ll know that you’ll be protected no matter what comes your way.

While full coverage isn’t required if you own your car, it’s highly advisable that you invest in this type of protection, especially if you have a new vehicle. If you buy full coverage car insurance, you’ll be able to rest easy at night knowing that you are fully covered.

Even though full coverage rates tend to be higher than just liability coverage, you are getting more bang for your buck. Discounts, a good driving record, and even your address can lower your insurance rates, too — making full coverage an even better deal.

Don’t wait to enter your ZIP code and start comparing free full coverage insurance quotes today.

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