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Full Coverage Car Insurance (Compare Quotes)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jul 29, 2021

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Key Takeaways

  • Full coverage car insurance is defined differently at each company
  • On average, full coverage car insurance is $90 a month
  • Some full coverage policies include roadside assistance and rental car reimbursement

Did you know full coverage auto insurance covers liability and property damage? Full coverage insurance consists of several coverage options.

But what coverage options are included with a full coverage insurance policy?

Don’t worry – our guide explains everything you need to know about full insurance quotes and coverages.

Read through this article to learn how full coverage car insurance works and how you can get cheap car insurance with full coverage.

After you learn everything you can about full coverage car insurance, enter your ZIP code in the free comparison tool above to compare full coverage quotes from the top companies near you.

How does full coverage car insurance work?

Full coverage auto insurance is the total package that covers both liability and damage to your vehicle.

In other words, you’ll have car insurance that covers other driver’s bodily injuries and property damage.

In addition to liability, full coverage provides coverage for damage to your vehicle, either from an accident or from another incident such as theft or vandalism.

That’s because several different coverages make up full coverage auto insurance.

Continue reading to see a breakdown of what options form full coverage.

Which coverages does a full coverage car insurance policy include?

Full coverage auto insurance consists of personal, vehicle, and special auto insurance coverages.

Most companies define full coverage as a combination of liability insurance, collision insurance coverage, and comprehensive coverage.

Here’s a list of coverage options that you can get with full coverage.

Personal Car Insurance Coverages

  • Bodily Injury (BI) Liability – Covers bodily injury for the other driver and passengers when you are at fault
  • Property Damage (PD) Liability – Covers damage to the other driver’s vehicle and other property when you are at fault
  • Medical Payments (MedPay) – Provides coverage for medical bills regardless of fault (not available in all states)
  • Personal Injury Protection (PIP) – Provides a payout for personal injury, lost wages, and medical bills after an accident regardless of fault (only in states where it’s available)
  • Underinsured Motorist (UIM) Coverage – Covers bodily injury and property damage when an at-fault driver doesn’t have enough coverage
  • Uninsured Motorist (UM) Coverage – Pays for bodily injury and property damage if the at-fault driver doesn’t have car insurance

Vehicle Insurance Coverages

  • Collision Coverage – Covers car repairs and other property damage to your car when you are at fault, or in a hit-and-run
  • Comprehensive Coverage – Provides coverage for incidents that don’t involve a collision
  • Gap Coverage – Covers the difference between your vehicle’s value and the amount the money left on your car loan
  • Rental Car Reimbursement – Returns money you spent on a rental while your car was getting fixed
  • Towing and Labor Coverage – This coverage pays for towing and labor services when your car breaks down

Special Car Insurance Coverages

  • Accident Forgiveness – Prevents your car insurance company from increasing your rates after one accident
  • Total Loss Deductible Waiver – If your vehicle is a total loss, the car insurance company waives the deductible
  • Vanishing Deductible – Your auto insurance adds money to a deductible account for each year that you don’t file a claim.

These are just examples of what you can expect from full coverage car insurance. But, each auto insurance company is different and not all options are available in all states.

Some companies may include additional coverage in a full coverage policy, usually at an additional cost.

How much are full coverage car insurance rates?

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage auto insurance is $90 per month.

Several factors determine whether affordable full coverage car insurance is available to you.

Some of the most significant factors include company, credit history, driving record, and location.

Let’s go through each of those factors in the sections below.

Which full coverage car insurance company is the cheapest?

If you’re not sure where to start shopping, try the best auto insurance companies in the United States.

Compare the car insurance rates below to see which company is the cheapest.

Average Monthly Full Coverage Car Insurance Rates by Company
CompanyFull Coverage Car Insurance Rates
Allstate$161
American Family$113
Farmers$125
GEICO$84
Liberty Mutual$137
Nationwide$95
Progressive$98
State Farm$100
Travelers$109
USAA$101
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GEICO, Nationwide, and Progressive are the cheapest companies on average. But various factors can change the cost of car insurance.

Let’s review a few more factors to see how much the monthly cost changes.

Which company has the cheapest full coverage car insurance based on credit history?

Auto insurance companies use credit history to determine risk. This means car insurance companies drive up rates for people with poor credit and lower rates for people with good credit.

Take a look at how different credit levels influence the monthly cost of car insurance.

Average Monthly Car Insurance Rates by Company and Credit History
Car Insurance CompaniesMonthly Rates based on Good Credit HistoryMonthly Rates based on Fair Credit HistoryMonthly Rates based on Poor Credit History
Allstate$322$382$541
American Family$224$264$372
Farmers$306$325$405
GEICO$203$249$355
Liberty Mutual$366$467$734
Nationwide$244$271$340
Progressive$302$330$395
State Farm$181$238$413
Travelers$338$362$430
USAA$152$185$308
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You can see how much auto insurance rates changed when you factor in credit history. The cheapest companies based on credit are USAA, State Farm, and GEICO.

Which company has the cheapest full coverage car insurance based on driving record?

Your driving record is one of the most significant factors in determining full coverage auto insurance quotes.

Let’s see how the best insurance companies rate drivers based on common driving record issues.

Average Monthly Car Insurance Rates by Company & Driving Record
Car Insurance CompaniesMonthly Rates based on a Clean RecordMonthly Rates based on One Speeding ViolationMonthly Rates based on One AccidentMonthly Rates based on One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
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Drivers with clean records get the cheapest rates. Meanwhile, accidents and DUI convictions result in the most expensive increases in full coverage car insurance.

Which state has the cheapest full coverage car insurance quotes?

Your location is also a factor when calculating full coverage car insurance quotes. Auto insurance rates can be much higher or lower than average depending on where you live.

Check out the latest NAIC data to see which state has the cheapest full coverage insurance rates on average.

Average Monthly Full Coverage Car Insurance Rates by State
StatesAverage Monthly Full Coverage Rates
Alabama$79
Alaska$90
Arizona$89
Arkansas$82
California$88
Colorado$91
Connecticut$102
Delaware$107
District of Columbia$118
Florida$113
Georgia$98
Hawaii$75
Idaho$62
Illinois$77
Indiana$67
Iowa$62
Kansas$76
Kentucky$83
Louisiana$128
Maine$62
Maryland$100
Massachusetts$98
Michigan$121
Minnesota$76
Mississippi$88
Missouri$79
Montana$77
Nebraska$74
Nevada$100
New Hampshire$70
New Jersey$119
New Mexico$84
New York$120
North Carolina$67
North Dakota$67
Ohio$69
Oklahoma$88
Oregon$81
Pennsylvania$85
Rhode Island$116
South Carolina$89
South Dakota$69
Tennessee$77
Texas$101
Utah$78
Vermont$68
Virginia$74
Washington$86
West Virginia$88
Wisconsin$65
Wyoming$75
Countrywide$90
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NAIC’s data is proof that drivers can find affordable full coverage auto insurance. Sometimes, the smaller car insurance companies can get you a better deal.

What are the best discounts for full coverage car insurance?

Auto insurance discounts can save you hundreds of dollars per year. Here are a few deals to look out for when you buy full coverage auto insurance.

  • Defensive/Safe Driver Discount
  • Multi-Driver Discount
  • Good Credit Discount
  • Multi-Policy Discount
  • Anti-Theft Discount
  • Multi-Vehicle Discount
  • Safety Features Discount

Safe driver discounts and good credit discounts have the most impact on your car insurance policy.

Multi-policy and multi-driver discounts can get you about 12% off. Your vehicle’s anti-theft and safety features can save you about five percent.

Get every discount you’re eligible for to save money on car insurance.

Full Coverage Car Insurance: What’s the bottom line?

If you have room for it in your budget, you should buy full coverage car insurance. Drivers who still make car payments are required to purchase full coverage.

Don’t be intimidated by the number of coverages included; it doesn’t mean you can’t get a great price on your insurance policy.

Now that you know more about full coverage car insurance, see what kind of deal you can get on a policy. Use our free online quote tool to compare quotes from multiple companies in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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