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What is Full Coverage Auto Insurance?
Full coverage car insurance is a combination of liability car insurance, comprehensive car insurance and collision car insurance. These are basic types of car insurance that when combined are often called full coverage. In many instances, finance companies (lenders) will require you to carry “full coverage” car insurance until you have paid off your new vehicle. This is to protect their investment in case something happens to the car or truck while they still technically own the vehicle.
If you are unsure if you need different types of coverages, a trained Freeway Insurance agent can help you decide what coverage is best for you and your family.
How Much Does Full Coverage Insurance Cost?
On average, full coverage insurance (comprehensive and collision coverage) cost $1,655 per year in the U.S. Most likely, this is not what you will pay for full coverage. There are individual factors that go into determining what your insurance company will cost. The three major ones are:
- Where you live – States vary widely in how much car insurance coverage they require.
- Your age – There’s a huge gap in rates between young drivers and more “mature” motorists.
- Your driving record – Those with clean driving histories with no tickets or claims will pay decidedly less than those who have a “checkered” driving history.
The cost of your insurance depends on many factors, including how much you want to buy in order to feel protected and have peace of mind. Reach out to Freeway Insurance for a handful of car insurance options so you can find the one that meets your needs and budget.
What Are the Different Types of Insurance Under Full Coverage?
Generally, full coverage car insurance consists of liability, comprehensive and collision, although you can add other optional car insurance coverages in order to build your perfect auto insurance package. And, once you meet the minimum state-required car insurance, you can typically decide exactly how much coverage you want to purchase. Let’s take a closer look at these three basic types of full coverage car insurance.
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Liability Car Insurance
Liability car insurance typically pays for the bodily injury/death liability and property damage liability of those involved in a wreck. Whether that is for you or the other driver(s) and passengers is based on which state you live in (at-fault or no-fault) and who caused the accident. Your state minimums will require a minimum amount of liability coverage*.
Depending on what state you live in, your coverage limits may include Personal Injury Protection (PIP), MedPay (medical payments) and/or uninsured motorist coverage.
*New Hampshire does not require car insurance.
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Collision Car Insurance
Collision car insurance pays for damages to your vehicle regardless of who is at fault in an accident.
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Comprehensive Car Insurance
Comprehensive car insurance covers damage to your vehicle that happens in circumstances other than a car wreck. This could be theft, vandalism, hail damage or more.
Average Cost of Full Coverage Vehicle Insurance per State
All states except New Hampshire require car insurance before residents can legally drive. This required auto insurance consists of bodily injury, property damage and, in some cases, additional required coverages. If you add collision and comprehensive to liability, you’ll have the full coverage basic package. Here’s a look at the average annual cost of full coverage vehicle insurance in each state.
| State | Full Coverage Insurance Cost |
|---|---|
| Alabama | $1,623 |
| Alaska | $1,559 |
| Arizona | $1,547 |
| Arkansas | $1,914 |
| California | $1,065 |
| Colorado | $2,016 |
| Connecticut | $1,845 |
| Delaware | $1,775 |
| Florida | $2,364 |
| Georgia | $1,982 |
| Hawaii | $1,127 |
| Idaho | $1,674 |
| Illinois | $1,485 |
| Indiana | $1,254 |
| Iowa | $1,260 |
| Kansas | $1,698 |
| Kentucky | $2,128 |
| Louisiana | $2,724 |
| Maine | $965 |
| Maryland | $1,877 |
| Massachusetts | $1,223 |
| Michigan | $2,309 |
| Minnesota | $1,643 |
| Mississippi | $1,782 |
| Missouri | $1,661 |
| Montana | $1,737 |
| Nebraska | $1,531 |
| Nevada | $2,246 |
| New Hampshire | $1,275 |
| New Jersey | $1,757 |
| New Mexico | $1,419 |
| New York | $2,321 |
| North Carolina | $1,325 |
| North Dakota | $1,264 |
| Ohio | $1,034 |
| Oklahoma | $1,873 |
| Oregon | $1,346 |
| Pennsylvania | $1,476 |
| Rhode Island | $2,018 |
| South Carolina | $1,512 |
| South Dakota | $1,642 |
| Tennessee | $1,338 |
| Texas | $1,823 |
| Utah | $1,186 |
| Vermont | $1,207 |
| Virginia | $1,304 |
| Washington | $1,176 |
| West Virginia | $1,499 |
| Wisconsin | $1,186 |
| Wyoming | $1,495 |
It’s worth noting that average car insurance costs vary widely from state to state. These numbers are determined by such things as how many car insurance claims are typically filed in that state, how many lawsuits arise from car accidents, and more.
Finding Affordable Full Coverage Car Insurance Quotes in Your State
Full coverage car insurance quotes is an affordable way to protect yourself and your loved ones while driving. Freeway Insurance agents will research multiple companies to find the best policy for your needs and budget. You can get a fast and free car insurance quote online, reach out to us at 800-777-5620 or visit us at an office near you.