Coverage
Cheap Full Coverage Auto Insurance Quotes Online
Full coverage insurance helps protect both you and your vehicle from a wide range of risks — including accidents, theft, vandalism, weather damage, and more.
- Free quote in 60 seconds
- Liability, collision & comprehensive
- Protects you and your vehicle
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or call (800) 988-3794At 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.
What Is Full Coverage Auto Insurance?
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:
- Liability Insurance
- Collision Coverage
- Comprehensive Coverage
Together, these coverages help protect you financially after accidents, vehicle damage, theft, and other covered events.
What Does Full Coverage Insurance Cover?
Liability CoverageRequired in most states
Helps pay for injuries and property damage you cause to others in an accident, including:
- Medical expenses
- Lost wages
- Legal costs
- Vehicle repairs for the other driver
- Property damage
Collision Coverage
Helps pay to repair or replace your vehicle after a covered accident — for example:
- Hitting another vehicle
- Striking a guardrail
- Backing into a pole
- Single-vehicle accidents
Unlike liability coverage, collision insurance helps cover damage to your own vehicle.
Comprehensive Coverage
Helps protect your vehicle from non-collision losses, such as:
- Theft
- Vandalism
- Fire
- Falling objects
- Wind damage
- Hail damage
- Flooding
- Animal collisions
Comprehensive coverage protects against unexpected events whether your vehicle is parked or being driven.
What Full Coverage Insurance Does Not Cover
While full coverage provides broader protection than liability-only insurance, it doesn’t cover everything. Depending on your policy, exclusions may include:
- Routine maintenance
- Mechanical breakdowns
- Wear and tear
- Intentional damage
- Racing activities
- Commercial vehicle use
Always review policy details to understand exactly what is covered.
Who Needs Full Coverage Auto Insurance?
Full coverage insurance may be a smart choice for many drivers.
Drivers With Newer Vehicles
If your vehicle has substantial value, repairing or replacing it after an accident could be expensive. Full coverage helps protect your investment.
Drivers With Auto Loans
Most lenders require collision and comprehensive coverage until the loan is paid off.
Drivers With Leased Vehicles
Lease agreements typically require full coverage throughout the lease term.
Drivers Seeking More Protection
Many drivers choose full coverage simply because they want broader financial protection against unexpected losses.
Is Full Coverage Worth It?
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:
- Your vehicle's value
- Your ability to pay for repairs out of pocket
- Your driving habits
- Local theft and weather risks
- Loan or lease requirements
For many drivers, the added protection outweighs the additional premium cost.
How Much Does Full Coverage Auto Insurance 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:
- Driving record
- Age
- Vehicle type
- Annual mileage
- Coverage limits
- Deductibles
- Insurance history
- Location
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.
How to Find Cheap Full Coverage Auto Insurance
Full coverage doesn’t have to be expensive. Here are several ways to lower your premium.
Review Your Limits and Deductibles
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.
Increase Your Deductible
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.
Bundle Insurance Policies
Many companies offer discounts when you combine auto insurance with:
- Renters insurance
Maintain a Clean Driving Record
Safe drivers often qualify for lower premiums and additional discounts. Avoiding accidents and traffic violations can help reduce insurance costs over time.
Ask About Available Discounts
Common discounts may include:
- Safe driver discounts
- Multi-vehicle discounts
- Good student discounts
- Automatic payment discounts
- Paperless billing discounts
- Defensive driving course discounts
Full Coverage vs. Liability Insurance
| 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.
What Deductible Should You Choose?
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.
Why Get a Full Coverage Quote?
Getting a quote can help you:
- Find lower rates
- Review coverage options
- Identify discounts
- Customize deductibles
- Save money on premiums
Many drivers are surprised to discover how much rates can vary between providers.
Why Choose CheapestAutoInsurance.com?
At CheapestAutoInsurance.com, we help drivers find affordable full coverage options that fit their budget.
Benefits include:
- Fast 60-second quotes
- Simple online quote process
- Full coverage insurance options
- Liability-only insurance options
- Non-owner insurance solutions
- Same-day coverage opportunities
- Instant proof of insurance availability
Our goal is to help drivers find affordable protection without the hassle of a long phone call.
Frequently Asked Questions
What is considered full coverage auto insurance?
Full coverage generally includes liability, collision, and comprehensive coverage, providing broader protection than liability-only insurance.
Is full coverage required by law?
Most states require liability insurance, but full coverage is generally not required by law. However, lenders and leasing companies often require it.
Does full coverage cover theft?
Yes. Comprehensive coverage, which is typically part of a full coverage policy, may help cover theft-related losses.
Does full coverage cover weather damage?
Comprehensive coverage may help cover damage caused by hail, wind, flooding, and other weather-related events.
When should I drop full coverage?
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.
Can I get full coverage insurance online?
Yes. Many drivers can get a quote, purchase coverage, and receive proof of insurance online in minutes.
Get a Free Full Coverage Insurance Quote Today
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.