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What is full coverage car insurance?


What most drivers and insurance agents refer to as full coverage is a car insurance policy that includes state-mandated car insurance coverages (this usually is bodily injury liability and property damage liability but also may include uninsured motorist and personal injury protection), along with physical damage coverages of collision and comprehensive.

Bodily injury liability covers other people’s medical costs for injuries and death for which you are responsible. Property damage liability covers you if your car damages someone else’s property. These coverages come with maximum limits that you choose at the inception of your policy.

Liability coverages don’t protect your car in any way, so that is why you purchase physical damage coverages. 

Collision insurance covers damage to your automobile caused by a collision with another object or by upset. Comprehensive insurance covers damage to your vehicle for damages caused by things other than collision, such as vandalism, theft, fire, flooding, hail or glass breakage.

Most lienholders require physical damage coverage if you are financing or leasing your vehicle. These coverages each come with a deductible, an amount due before your insurance benefits kick in.  

Whatever car insurance coverages you have are subject to the guidelines and terms of your policy, especially with regard to the payment of claims.  It is important to note that the term full coverage can be misleading, as no insurance policy covers every possible situation that could damage your car or cause injuries while in a car.

Learn more about the various types of coverages that you can get on your car insurance policy, including medical ones such as personal injury protection and medical payments, by reading through our types of car insurance page.

If you want to see how much it will cost to add collision coverage or the cost of adding comprehensive insurance to protect your vehicle, then get started with car insurance quotes and comparison shop the price of your policy with and without these coverages.

How much does full coverage car insurance cost?

The term full coverage is also used to refer to liability limits beyond the state minimum liability insurance required to drive legally. Usually full coverage is considered to have the following:

  • Full coverage liability of $100,000 per person injured in an accident you cause, up to $300,000 per accident, and $100,000 for property damage you cause, with a $500 deductible for comprehensive and collision. This is commonly written as 100/300/100.

The chart shows average annual rates for full coverage of 100/300/100 as outlined above. Enter your state in the search field in the chart below to see the average rate for where you live, as well as the highest and lowest rate fielded from major insurers. You'll see that you can save by comparing rates, as insurers price policies according to their unique risk assessment calculations.

 

    StateAverage annual rateHighest rateLowest rate
    Alaska$1,109$1,615$825
    Alabama$1,299$2,393$684
    Arkansas$1,370$2,131$803
    Arizona$1,356$2,588$715
    California$1,518$3,680$581
    Colorado$1,404$2,307$648
    Connecticut$1,771$3,538$789
    DC$1,723$2,913$713
    Delaware$1,646$2,798$959
    Florida$1,823$5,710$886
    Georgia$1,340$2,465$600
    Hawaii$1,458$2,680$780
    Iowa$1,015$1,827$561
    Idaho$941$1,782$545
    Illinois$1,004$2,581$500
    Indiana$964$1,874$560
    Kansas$1,242$2,510$668
    Kentucky$1,752$4,367$641
    Louisiana$2,190$4,555$1,114
    Massachusetts$1,191$3,477$678
    Maryland$1,390$2,953$877
    Maine$925$1,384$463
    Michigan$2,484$15,938$764
    Minnesota$1,187$2,162$753
    Missouri$1,154$2,960$638
    Mississippi$1,323$2,277$689
    Montana$1,224$1,907$710
    North Carolina$960$1,640$481
    North Dakota$1,315$3,120$662
    Nebraska$1,113$1,845$620
    New Hampshire$1,101$2,012$498
    New Jersey$1,346$2,734$566
    New Mexico$1,253$2,222$776
    Nevada$1,746$3,397$905
    New York$1,759$7,898$604
    Ohio$952$1,885$530
    Oklahoma$1,643$3,792$830
    Oregon$1,264$2,065$756
    Pennsylvania$1,522$6,507$489
    Rhode Island$1,688$4,132$939
    South Carolina$1,260$1,837$808
    South Dakota$1,059$1,661$586
    Tennessee$1,214$2,521$646
    Texas$1,300$2,937$688
    Utah$1,199$1,913$626
    Virginia$972$1,497$615
    Vermont$963$1,386$474
    Washington$1,191$2,019$838
    Wisconsin$1,351$4,886$530
    West Virginia$1,375$2,415$941
    Wyoming$1,494$2,073$1,048

    *Methodology

    CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).

    Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.


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    Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.