Full coverage insurance helps protect both you and your vehicle from a wide range of risks — including accidents, theft, vandalism, weather damage, and more.
At CheapestAutoInsurance.com, drivers can get a full coverage auto insurance quote in one place. Whether you drive a new vehicle, finance your car, or simply want greater peace of mind, we help you find affordable coverage that fits your needs and budget.
Get a free quote in as little as 60 seconds and discover how much you could save.
Although “full coverage” is a commonly used term, it isn’t actually a specific type of insurance policy. Instead, full coverage generally refers to a combination of coverages that provide broader protection than liability-only insurance.
Most full coverage policies include:
Together, these coverages help protect you financially after accidents, vehicle damage, theft, and other covered events.
Required in most states
Helps pay for injuries and property damage you cause to others in an accident, including:
Helps pay to repair or replace your vehicle after a covered accident — for example:
Unlike liability coverage, collision insurance helps cover damage to your own vehicle.
Helps protect your vehicle from non-collision losses, such as:
Comprehensive coverage protects against unexpected events whether your vehicle is parked or being driven.
While full coverage provides broader protection than liability-only insurance, it doesn’t cover everything. Depending on your policy, exclusions may include:
Always review policy details to understand exactly what is covered.
Full coverage insurance may be a smart choice for many drivers.
If your vehicle has substantial value, repairing or replacing it after an accident could be expensive. Full coverage helps protect your investment.
Most lenders require collision and comprehensive coverage until the loan is paid off.
Lease agreements typically require full coverage throughout the lease term.
Many drivers choose full coverage simply because they want broader financial protection against unexpected losses.
The answer depends on your vehicle, finances, and risk tolerance.
Many drivers find full coverage worthwhile because it helps protect against repair or replacement costs that could otherwise create financial hardship.
You may want to consider:
For many drivers, the added protection outweighs the additional premium cost.
Full coverage insurance generally costs more than liability-only coverage because it includes protection for your own vehicle.
Insurance companies calculate premiums using factors such as:
Because every driver is rated differently, reviewing your coverage limits, deductibles, and available discounts is one of the best ways to keep full coverage affordable.
Full coverage doesn’t have to be expensive. Here are several ways to lower your premium.
Your coverage limits and deductible have a direct effect on your premium. Reviewing them with an agent can help you strike the right balance between protection and price.
Choosing a higher deductible can often lower your monthly premium. Just make sure you select a deductible you could comfortably pay if you need to file a claim.
Many companies offer discounts when you combine auto insurance with:
Safe drivers often qualify for lower premiums and additional discounts. Avoiding accidents and traffic violations can help reduce insurance costs over time.
Common discounts may include:
| Feature | Liability Only | Full Coverage |
|---|---|---|
| Covers Damage to Others | Yes | Yes |
| Covers Your Vehicle | No | Yes |
| Theft Protection | No | Yes |
| Vandalism Coverage | No | Yes |
| Weather Damage Coverage | No | Yes |
| Typically Lower Cost | Yes | No |
Liability-only insurance is often chosen for affordability, while full coverage provides broader protection.
A deductible is the amount you pay before collision or comprehensive coverage helps cover a claim. Common deductible amounts include:
Higher deductibles often result in lower premiums, while lower deductibles may increase monthly costs. Choosing the right deductible depends on your budget and comfort level.
Getting a quote can help you:
Many drivers are surprised to discover how much rates can vary between providers.
At CheapestAutoInsurance.com, we help drivers find affordable full coverage options that fit their budget.
Benefits include:
Our goal is to help drivers find affordable protection without the hassle of a long phone call.
Full coverage generally includes liability, collision, and comprehensive coverage, providing broader protection than liability-only insurance.
Most states require liability insurance, but full coverage is generally not required by law. However, lenders and leasing companies often require it.
Yes. Comprehensive coverage, which is typically part of a full coverage policy, may help cover theft-related losses.
Comprehensive coverage may help cover damage caused by hail, wind, flooding, and other weather-related events.
Some drivers consider dropping full coverage when their vehicle's value decreases significantly. Consider repair costs, replacement costs, and your financial situation before making changes.
Yes. Many drivers can get a quote, purchase coverage, and receive proof of insurance online in minutes.
Protect your vehicle and your finances with affordable full coverage auto insurance. Get a free quote, explore your coverage options, and find a policy that fits your budget.
Get your free quote in as little as 60 seconds and see how much you could save today.
