Full coverage auto insurance is a car insurance policy that has liability, collision and comprehensive coverage. Here's a look at what these three coverage types include.

Liability insurance: Covers damage you cause to others, including property damage (dented cars, crushed mailboxes, etc.) and injuries. Most states require that car owners buy a certain minimum level of liability insurance.

For example, do you ever hear about people who have crashed into a convenience store? Their liability insurance would cover the store's damage, up to the coverage limits they bought.

Collision insurance: Covers damage to your own car if you crash into something. For example, if you crash through the door at Circle K, this would cover your car dents and scrapes.

Comprehensive insurance: This covers a theft of your car, vandalism, crashes with animals like deer, weather damage such as hail, flood damage, fire, and problems such as falling trees.

Best and worst states for cheap full coverage car insurance

It costs an average of $1,684 for full coverage car insurance. The cheapest states for premiums are Maine, Idaho and South Dakota. Drivers in Louisiana, Washington, D.C. and New York pay the most.

Rank State Average annual premium
1 Maine

$1,342

2 Idaho

$1,367

3 South Dakota

$1,406

4 Iowa

$1,408

5 Vermont

$1,430

6 Wisconsin

$1,447

7 New Hampshire

$1,460

8 Hawaii

$1,468

9 (tie) North Dakota

$1,485

9 (tie) Indiana

$1,485

11 Ohio

$1,496

12 Illinois

$1,522

13 Wyoming

$1,530

14 Kansas

$1,533

15 New Mexico

$1,535

16 Nebraska

$1,545

17 Montana

$1,548

18 Minnesota

$1,557

19 Utah

$1,566

20 Arizona

$1,584

21 Oklahoma

$1,588

22 Tennessee

$1,590

23 (tie) California

$1,596

23 (tie) Virginia

$1,596

25 North Carolina

$1,603

26 Oregon

$1,610

27 Washington

$1,612

28 Missouri

$1,615

29 Alabama

$1,626

30 Arkansas

$1,637

31 West Virginia

$1,661

32 Colorado

$1,694

33 Alaska

$1,709

34 Pennsylvania

$1,760

35 Mississippi

$1,772

36 Texas

$1,773

37 Nevada

$1,813

38 Florida

$1,839

39 Kentucky

$1,850

40 Massachusetts

$1,893

41 South Carolina

$1,897

42 Connecticut

$1,928

43 Georgia

$1,939

44 (tie) Delaware

$2,003

44 (tie) Rhode Island

$2,003

46 New Jersey

$2,021

47 Maryland

$2,068

48 Michigan

$2,077

49 Louisiana

$2,108

50 District of Columbia

$2,122

51 New York

$2,153

Source: EverQuote, from premiums reported by users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Ways to find cheap full coverage car insurance

  • Shop around: If you're looking for cheap car insurance, the biggest potential savings comes from comparing car insurance quotes from multiple companies. That's because rates can vary by hundreds of dollars for the same coverage among companies.
  • Ask your insurance agent to review discounts: Make sure you're getting all the car insurance discounts you're eligible for.
  • Raise your deductible on collision and comprehensive coverage: Ask your agent for the price difference for raising your deductibles. Deductible choices often range from $500 to $2,000 and up. A deductible is the amount subtracted from your insurance check if you make a claim on collision or comprehensive insurance.
  • Keep your driving and claims records clean: Causing a car accident or making certain claims can lead to a rate increase at renewal time.
  • Improve your credit: Poor credit can have a bigger impact on your rates than causing an accident.

Find cheap car insurance in your state