{"id":22621,"date":"2025-12-16T04:02:08","date_gmt":"2025-12-16T04:02:08","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22621"},"modified":"2025-12-16T04:02:11","modified_gmt":"2025-12-16T04:02:11","slug":"what-is-full-coverage-car-insurance","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22621","title":{"rendered":"What Is Full Coverage Car Insurance"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Yellow Dog Productions\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" wp_automatic_readability=\"124.72459432049\">\n<p>You\u2019ve picked out your new car at the dealership and qualified for a car loan, but before you can sign on the dotted line and drive away, the dealer says you need full coverage car insurance. Full coverage car insurance typically refers to a policy with liability and physical damage coverage, but there isn\u2019t an industry-standard definition. Liability limits and exact coverage types can vary by carrier and driver. With the average full coverage auto insurance cost at $2,697 per year, understanding the different components that can make up full coverage insurance can help you craft a policy that fits your budget.<\/p>\n<h2 id=\"what-does-full-coverage-mean\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What does full coverage mean?\" data-outcome=\"\">What does full coverage mean?<\/h2>\n<p>Full coverage car insurance means that you have coverage for damage to your vehicle. Should you cause an accident, the minimum insurance mandated by your state does not serve this purpose.<\/p>\n<p>Most states require you to purchase at least minimum levels of liability coverage, and some also require you to carry additional coverage types like personal injury protection (PIP) or uninsured motorist coverage. Liability insurance is designed to cover damage and injuries others incur in an accident you cause.<\/p>\n<p>Although full coverage isn\u2019t an official term, it generally means that you have these coverage types on your policy:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Bodily injury liability<\/strong><strong>:<\/strong> When you are at fault for an accident and the driver or passengers in the other vehicle sustain injuries, your bodily injury liability coverage could help pay their medical expenses.<\/li>\n<li>\n<strong>Property damage liability<\/strong><strong>:<\/strong> If you cause an auto accident, your property damage liability coverage is designed to help pay to repair or replace the driver\u2019s vehicle. Damage that you cause to other property \u2014 like road signs, fences or buildings \u2014 is also typically covered.<\/li>\n<li>\n<strong>Collision<\/strong><strong>:<\/strong> If you collide with something like another vehicle, a tree or a pole, your collision coverage will help pay to repair or replace your vehicle.<\/li>\n<li>\n<strong>Comprehensive<\/strong><strong>:<\/strong> Often called \u201cother-than-collision,\u201d this section of your policy covers damage to your vehicle caused by a wide array of situations, including theft, vandalism, storm damage and animal damage.<\/li>\n<\/ul>\n<p>These are the basic coverage types included in a full coverage auto policy. It\u2019s important to keep in mind, though, that \u201cfull coverage\u201d is not an industry-standard term. This means that the definition of full coverage may vary. Each car insurance company \u2014 and even different agencies \u2014 could have a different definition of what\u2019s included in a full coverage policy. Some companies may automatically include one or more of the coverage types listed below in a full coverage policy, or even a minimum coverage policy if required by state law:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Uninsured and underinsured motorist<\/strong><strong>:<\/strong> If you are hit by a driver who does not have insurance or doesn\u2019t have enough insurance to cover your damages, these options could help pay for your injuries and the injuries of your passengers. Depending on the state you live in, you might also be able to add uninsured motorist property damage, which will cover damage to your car caused by uninsured motorists. Some states require one or both of these coverage types.<\/li>\n<li>\n<strong>Medical payments<\/strong> <strong>or <\/strong><strong>personal injury protection (PIP)<\/strong><strong>:<\/strong> Both of these coverage types help to pay for your medical bills and those of your passengers if you are injured in an auto accident, regardless of who is at fault. PIP also helps pay for lost wages and the cost of certain household services if you are unable to perform them. In some states, you will be required to purchase medical payments or PIP by law. In others, one or both of these may be available as an option.<\/li>\n<li>\n<strong>Roadside assistance<\/strong><strong>:<\/strong> This optional coverage is often considered part of a full coverage package. It provides coverage for towing, lockout services, tire changes, battery jump starts for gas-powered vehicles, battery charges for electric vehicles and other situations that could leave you stranded on the side of the road.<\/li>\n<li>\n<strong>Car rental reimbursement<\/strong><strong>:<\/strong> If your vehicle is not driveable due to a covered loss, this optional coverage could help to pay for the cost of a rental vehicle.<\/li>\n<\/ul>\n<h2 id=\"how-much-does-full-coverage-insurance-cost\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much does full coverage insurance cost?\" data-outcome=\"\">How much does full coverage insurance cost?<\/h2>\n<p>The average cost of a full coverage auto policy is $2,697 per year. Because of the additional financial protection that full coverage adds, it is typically much more expensive than minimum coverage car insurance, which averages $820 per year. The main difference is full coverage covers damage to your own vehicle in addition to damage to a third party.\u00a0<\/p>\n<p>If you are looking for cheap full coverage insurance, there are several factors that you should be aware of. The company you choose, the state you live in, your driving history, the type of vehicle you drive and the coverage limits and deductibles you choose will all impact how much you pay.<\/p>\n<p>Below is an example of how different liability limits impact your full coverage insurance premium.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Liability limits<\/th>\n<th>Average annual premium<\/th>\n<th>Average monthly premium<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>25\/50\/25<\/td>\n<td>$2,483<\/td>\n<td>$206<\/td>\n<\/tr>\n<tr>\n<td>50\/100\/50<\/td>\n<td>$2,570<\/td>\n<td>$214<\/td>\n<\/tr>\n<tr>\n<td>100\/300\/50<\/td>\n<td>$2,697<\/td>\n<td>$225<\/td>\n<\/tr>\n<tr>\n<td>250\/500\/100<\/td>\n<td>$2,873<\/td>\n<td>$239<\/td>\n<\/tr>\n<\/tbody>\n<tfoot wp_automatic_readability=\"1.5\">\n<tr wp_automatic_readability=\"3\">\n<td\/>\n<td\/>\n<td><sub>*Please note that the rate quotes listed above include comprehensive and collision with $500 deductibles.<\/sub><\/td>\n<\/tr>\n<\/tfoot>\n<\/table>\n<\/div>\n<h3>Average cost by insurance company<\/h3>\n<p>Car insurance companies evaluate a number of personalized factors to determine how much you will pay for car insurance. These include your driving history and the type of vehicle you drive, among other things. Not surprisingly, rates for full coverage car insurance are generally more than those for minimum coverage car insurance, but the price for full coverage varies greatly between companies. This is why getting quotes from multiple car insurance carriers is one of the best ways to make sure you are paying a competitive price.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table has-fixed-layout wrapped\">\n<tbody wp_automatic_readability=\"1.568345323741\">\n<tr wp_automatic_readability=\"4\">\n<td><strong>Company<\/strong><\/td>\n<td><strong>Average annual premium for full coverage<\/strong><\/td>\n<td><strong>Average annual premium for minimum coverage<\/strong><\/td>\n<td><strong>Difference<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Allstate<\/td>\n<td>$3,724<\/td>\n<td>$996<\/td>\n<td>$2,728<\/td>\n<\/tr>\n<tr>\n<td>American Family<\/td>\n<td>$3,335<\/td>\n<td>$983<\/td>\n<td>$2,352<\/td>\n<\/tr>\n<tr>\n<td>Amica<\/td>\n<td>$3,950<\/td>\n<td>$1,269<\/td>\n<td>$2,681<\/td>\n<\/tr>\n<tr>\n<td>Auto-Owners<\/td>\n<td>$2,009<\/td>\n<td>$509<\/td>\n<td>$1,500<\/td>\n<\/tr>\n<tr>\n<td>Erie<\/td>\n<td>$2,341<\/td>\n<td>$745<\/td>\n<td>$1,596<\/td>\n<\/tr>\n<tr>\n<td>Farmers<\/td>\n<td>$3,610<\/td>\n<td>$1,143<\/td>\n<td>$2,467<\/td>\n<\/tr>\n<tr>\n<td>Geico<\/td>\n<td>$2,385<\/td>\n<td>$596<\/td>\n<td>$1,789<\/td>\n<\/tr>\n<tr>\n<td>Nationwide<\/td>\n<td>$2,131<\/td>\n<td>$718<\/td>\n<td>$1,413<\/td>\n<\/tr>\n<tr>\n<td>Progressive<\/td>\n<td>$2,476<\/td>\n<td>$742<\/td>\n<td>$1,734<\/td>\n<\/tr>\n<tr>\n<td>State Farm<\/td>\n<td>$2,926<\/td>\n<td>$918<\/td>\n<td>$2,008<\/td>\n<\/tr>\n<tr>\n<td>USAA<\/td>\n<td>$2,330<\/td>\n<td>$636<\/td>\n<td>$1,694<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Average insurance cost by state<\/h3>\n<p>The average auto insurance rates for full coverage in your state may be dramatically different than the national average of $2,458. For instance, the average cost in Florida is $4,088, while residents of Vermont pay an average annual premium of just $1,412. Comparing your current policy against the average in your state may be a better measurement of whether or not you\u2019re getting the best deal.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table has-fixed-layout wrapped\">\n<tbody wp_automatic_readability=\"1.2748344370861\">\n<tr wp_automatic_readability=\"4\">\n<td><strong>State<\/strong><\/td>\n<td><strong>Average annual premium for full coverage<\/strong><\/td>\n<td><strong>Average annual premium for minimum coverage<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Alabama<\/td>\n<td>$2,289<\/td>\n<td>$562<\/td>\n<\/tr>\n<tr>\n<td>Alaska<\/td>\n<td>$2,608<\/td>\n<td>$501<\/td>\n<\/tr>\n<tr>\n<td>Arizona<\/td>\n<td>$2,830<\/td>\n<td>$849<\/td>\n<\/tr>\n<tr>\n<td>Arkansas<\/td>\n<td>$2,516<\/td>\n<td>$502<\/td>\n<\/tr>\n<tr>\n<td>California<\/td>\n<td>$3,289<\/td>\n<td>$916<\/td>\n<\/tr>\n<tr>\n<td>Colorado<\/td>\n<td>$3,582<\/td>\n<td>$579<\/td>\n<\/tr>\n<tr>\n<td>Connecticut<\/td>\n<td>$2,991<\/td>\n<td>$1,089<\/td>\n<\/tr>\n<tr>\n<td>Delaware<\/td>\n<td>$3,253<\/td>\n<td>$1,097<\/td>\n<\/tr>\n<tr>\n<td>Florida<\/td>\n<td>$4,414<\/td>\n<td>$1,056<\/td>\n<\/tr>\n<tr>\n<td>Georgia<\/td>\n<td>$3,215<\/td>\n<td>$1,045<\/td>\n<\/tr>\n<tr>\n<td>Hawaii<\/td>\n<td>$1,759<\/td>\n<td>$413<\/td>\n<\/tr>\n<tr>\n<td>Idaho<\/td>\n<td>$1,529<\/td>\n<td>$386<\/td>\n<\/tr>\n<tr>\n<td>Illinois<\/td>\n<td>$2529<\/td>\n<td>$667<\/td>\n<\/tr>\n<tr>\n<td>Indiana<\/td>\n<td>$1,797<\/td>\n<td>$446<\/td>\n<\/tr>\n<tr>\n<td>Iowa<\/td>\n<td>$1,984<\/td>\n<td>$335<\/td>\n<\/tr>\n<tr>\n<td>Kansas<\/td>\n<td>$2,610<\/td>\n<td>$604<\/td>\n<\/tr>\n<tr>\n<td>Kentucky<\/td>\n<td>$2,810<\/td>\n<td>$729<\/td>\n<\/tr>\n<tr>\n<td>Louisiana<\/td>\n<td>$4,739<\/td>\n<td>$1,087<\/td>\n<\/tr>\n<tr>\n<td>Maine<\/td>\n<td>$1,776<\/td>\n<td>$425<\/td>\n<\/tr>\n<tr>\n<td>Maryland<\/td>\n<td>$3,250<\/td>\n<td>$1,102<\/td>\n<\/tr>\n<tr>\n<td>Massachusetts<\/td>\n<td>$2,194<\/td>\n<td>$649<\/td>\n<\/tr>\n<tr>\n<td>Michigan<\/td>\n<td>$3,313<\/td>\n<td>$894<\/td>\n<\/tr>\n<tr>\n<td>Minnesota<\/td>\n<td>$2,651<\/td>\n<td>$720<\/td>\n<\/tr>\n<tr>\n<td>Mississippi<\/td>\n<td>$2,482<\/td>\n<td>$533<\/td>\n<\/tr>\n<tr>\n<td>Missouri<\/td>\n<td>$2,619<\/td>\n<td>$656<\/td>\n<\/tr>\n<tr>\n<td>Montana<\/td>\n<td>$2,496<\/td>\n<td>$408<\/td>\n<\/tr>\n<tr>\n<td>Nebraska<\/td>\n<td>$2,477<\/td>\n<td>$525<\/td>\n<\/tr>\n<tr>\n<td>Nevada<\/td>\n<td>$3,991<\/td>\n<td>$1,084<\/td>\n<\/tr>\n<tr>\n<td>New Hampshire<\/td>\n<td>$1,770<\/td>\n<td>$466<\/td>\n<\/tr>\n<tr>\n<td>New Jersey<\/td>\n<td>$3,558<\/td>\n<td>$1,413<\/td>\n<\/tr>\n<tr>\n<td>New Mexico<\/td>\n<td>$2,361<\/td>\n<td>$457<\/td>\n<\/tr>\n<tr>\n<td>New York<\/td>\n<td>$4,297<\/td>\n<td>$1,773<\/td>\n<\/tr>\n<tr>\n<td>North Carolina<\/td>\n<td>$1,939<\/td>\n<td>$579<\/td>\n<\/tr>\n<tr>\n<td>North Dakota<\/td>\n<td>$1,841<\/td>\n<td>$397<\/td>\n<\/tr>\n<tr>\n<td>Ohio<\/td>\n<td>$1,941<\/td>\n<td>$498<\/td>\n<\/tr>\n<tr>\n<td>Oklahoma<\/td>\n<td>$3,054<\/td>\n<td>$560<\/td>\n<\/tr>\n<tr>\n<td>Oregon<\/td>\n<td>$2,266<\/td>\n<td>$841<\/td>\n<\/tr>\n<tr>\n<td>Pennsylvania<\/td>\n<td>$2,549<\/td>\n<td>$539<\/td>\n<\/tr>\n<tr>\n<td>Rhode Island<\/td>\n<td>$3,117<\/td>\n<td>$910<\/td>\n<\/tr>\n<tr>\n<td>South Carolina<\/td>\n<td>$2,155<\/td>\n<td>$671<\/td>\n<\/tr>\n<tr>\n<td>South Dakota<\/td>\n<td>$2,360<\/td>\n<td>$374<\/td>\n<\/tr>\n<tr>\n<td>Tennessee<\/td>\n<td>$2,121<\/td>\n<td>$513<\/td>\n<\/tr>\n<tr>\n<td>Texas<\/td>\n<td>$2,934<\/td>\n<td>$786<\/td>\n<\/tr>\n<tr>\n<td>Utah<\/td>\n<td>$2,308<\/td>\n<td>$831<\/td>\n<\/tr>\n<tr>\n<td>Vermont<\/td>\n<td>$1,673<\/td>\n<td>$351<\/td>\n<\/tr>\n<tr>\n<td>Virginia<\/td>\n<td>$2,167<\/td>\n<td>$753<\/td>\n<\/tr>\n<tr>\n<td>Washington<\/td>\n<td>$2,013<\/td>\n<td>$589<\/td>\n<\/tr>\n<tr>\n<td>Washington, D.C.<\/td>\n<td>$2,975<\/td>\n<td>$888<\/td>\n<\/tr>\n<tr>\n<td>West Virginia<\/td>\n<td>$2,269<\/td>\n<td>$566<\/td>\n<\/tr>\n<tr>\n<td>Wisconsin<\/td>\n<td>$1,979<\/td>\n<td>$451<\/td>\n<\/tr>\n<tr>\n<td>Wyoming<\/td>\n<td>$1,803<\/td>\n<td>$265<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"is-full-coverage-insurance-worth-it\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Is full coverage insurance worth it?\" data-outcome=\"\">Is full coverage insurance worth it?<\/h2>\n<p>Everyone\u2019s financial situation is different, but in many cases, full coverage car insurance is worth it. Full coverage is generally recommended if your vehicle is new or relatively expensive, if you do not have the finances to repair or replace your damaged or totaled vehicle or if the likelihood of damage is higher than average, as it could be with a teen driver.<\/p>\n<p>And if you have a loan or lease, the terms of your financial agreement will likely stipulate that you carry full coverage. Financial institutions require full coverage because when purchasing a car with a loan or leasing a vehicle, you do not fully own it \u2014 a bank or other financial institution owns at least part of the car (until you pay off the loan or buy out the lease). Because of this, lenders require full coverage to ensure that you will be able to pay off the balance of your lien if the vehicle is totaled. In situations of a lease, many banks require drivers to carry higher liability limits of 100\/300\/50.<\/p>\n<h2 id=\"frequently-asked-questions\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-is-full-coverage-insurance-required-for-all-cars', 'heading-is-full-coverage-insurance-required-for-all-cars']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-full-coverage-insurance-required-for-all-cars')\" :aria-controls=\"$id('panel-is-full-coverage-insurance-required-for-all-cars')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is full coverage insurance required for all cars?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-full-coverage-insurance-required-for-all-cars')\" :aria-labelledby=\"$id('heading-is-full-coverage-insurance-required-for-all-cars')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\" wp_automatic_readability=\"36.2067381317\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\" wp_automatic_readability=\"43.056661562021\">\n            No. Most states do require minimum levels of liability insurance, designed to protect the other driver and their passengers and property in an accident that you cause. Full coverage, on the other hand, includes optional collision and comprehensive insurance, which helps pay for damage to your own car. If you have a car loan or lease, you may be required by your lender to have a full coverage policy, so that they can protect their investment in your vehicle. Even if you don\u2019t have a loan or lease, many insurance experts recommend purchasing full coverage to give you more robust financial protection following an accident or other vehicle mishap.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-is-full-coverage-or-liability-only-coverage-better', 'heading-is-full-coverage-or-liability-only-coverage-better']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-full-coverage-or-liability-only-coverage-better')\" :aria-controls=\"$id('panel-is-full-coverage-or-liability-only-coverage-better')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is full coverage or liability-only coverage better?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-full-coverage-or-liability-only-coverage-better')\" :aria-labelledby=\"$id('heading-is-full-coverage-or-liability-only-coverage-better')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\" wp_automatic_readability=\"35.54275940707\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\" wp_automatic_readability=\"41.872291904219\">\n            That depends on your financial situation, your tolerance for risk and the requirements of your lender (if you have a car loan). Most insurance professionals recommend you carry auto coverage limits well above the state minimum requirements to ensure you are financially protected from potentially substantial losses following an at-fault accident. Liability-only coverage can be a good option if your vehicle is paid off and you have the finances to repair or replace it if it is damaged or totaled. Full coverage adds better financial protection from a wider variety of situations, including damage to your own car. Otherwise optional add-on coverage selections \u2014 like rental car reimbursement and roadside assistance \u2014 might be included in a full coverage policy, too. Talking to a licensed agent about your situation could help you choose coverage that is right for you.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-long-should-i-keep-full-coverage-on-my-car', 'heading-how-long-should-i-keep-full-coverage-on-my-car']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-long-should-i-keep-full-coverage-on-my-car')\" :aria-controls=\"$id('panel-how-long-should-i-keep-full-coverage-on-my-car')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How long should I keep full coverage on my car?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-long-should-i-keep-full-coverage-on-my-car')\" :aria-labelledby=\"$id('heading-how-long-should-i-keep-full-coverage-on-my-car')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\" wp_automatic_readability=\"35.527284263959\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\" wp_automatic_readability=\"41.854060913706\">\n            This is a matter of personal preference. If you have financed your vehicle and your lender requires full coverage, you must keep it on your vehicle until you have paid off your loan (or until you buy out your lease, if you decide to). Once you own your vehicle outright, you have the option to remove both comprehensive and collision. Some insurance professionals recommend that when the annual cost of comprehensive and collision equals more than 10 percent of your vehicle\u2019s value, it is time to switch to liability only. However, if you still do not have the savings to repair vehicle damage or to buy a new car if yours is totaled, you might want to keep full coverage. The increasing values of used vehicles might also be a determining factor in how much coverage you should carry.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-are-the-disadvantages-of-full-coverage', 'heading-what-are-the-disadvantages-of-full-coverage']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\" wp_automatic_readability=\"1.5\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-are-the-disadvantages-of-full-coverage')\" :aria-controls=\"$id('panel-what-are-the-disadvantages-of-full-coverage')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the disadvantages of full coverage?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-are-the-disadvantages-of-full-coverage')\" :aria-labelledby=\"$id('heading-what-are-the-disadvantages-of-full-coverage')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\" wp_automatic_readability=\"39\">\n<p>\n            Because the coverage it provides is so extensive, full coverage tends to cost considerably more than state minimum insurance policies. While it will take up more space in your budget than minimum coverage, it\u2019s generally still far less than paying to replace your vehicle out of pocket or pay for damages if you cause a serious accident. That said, for drivers with old vehicles, a minimum coverage policy with just high liability limits may make more sense than purchasing comprehensive and collision coverage. Speaking to a licensed agent about your situation may help you decide if full coverage is worth it for you.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"methodology\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Methodology\" data-outcome=\"\">Methodology<\/h2>\n<p>Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:<\/p>\n<ul class=\"wp-block-list\">\n<li>$100,000 bodily injury liability per person<\/li>\n<li>$300,000 bodily injury liability per accident<\/li>\n<li>$50,000 property damage liability per accident<\/li>\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n<li>$500 collision deductible<\/li>\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.<\/p>\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\" wp_automatic_readability=\"34\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\" wp_automatic_readability=\"8\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\" wp_automatic_readability=\"32\">\n            Did you find this page helpful?<\/p>\n<div id=\"Dgjp6uekcw\" class=\"hidden\" wp_automatic_readability=\"7.5\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\" wp_automatic_readability=\"10\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\" wp_automatic_readability=\"9\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/full-coverage-insurance\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yellow Dog Productions\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate You\u2019ve picked out your new car at the dealership and qualified for a car loan, but before you can sign on the dotted line and drive away, the dealer says you need full coverage car insurance. Full coverage car insurance typically refers to a policy with<\/p>\n","protected":false},"author":1,"featured_media":22622,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22621","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Full Coverage Car Insurance | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Yellow Dog Productions\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate You\u2019ve picked out your new car at the dealership and qualified for a car\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=22621\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Full Coverage Car Insurance | BudgetADirect\" \/>\n<meta property=\"og:description\" content=\"Yellow Dog Productions\/ Getty Images; 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