Full coverage car insurance is a term used to describe an auto insurance policy that has liability, collision and comprehensive coverage. Here's a look at those three coverage types.

What full coverage car insurance covers

Coverage type: Pays for:
Liability insurance Damage you cause to others, including property damage (dented cars, crushed fences, etc.) and injuries. Most states require that car owners buy a certain minimum level of liability insurance.
Collision insurance Damage to your own car if you crash into something. For example, if you back into a pole or hit another car.
Comprehensive insurance
  • Theft of your car
  • Vandalism
  • Accidents with animals like deer
  • Weather damage such as hail and wind
  • Flood damage
  • Fire
  • Random problems like falling trees, rocks, etc.

There are other types of car insurance you might want to consider. These include:

Uninsured/underinsured motorist coverage (UM/UIM): Pays for injuries to you and your passengers if you're hit by a driver with no insurance or not enough. Required in some states.

Personal injury protection (PIP) or medical payments (MedPay): These pay for injuries to you and your passengers no matter who caused the accident. Some states require one of them. These coverage types may also cover work wages lost due a car accident, child care you can't do and funeral benefits, among other things.

Rental reimbursement: Pays for a rental car while yours is being repaired due to an accident covered by your insurance. This is not the same as the rental car insurance you'd buy to rent a car for a vacation.

Towing and roadside assistance: In case your car breaks down or you get locked out.

Best and worst states for cheap full coverage car insurance

We looked at premiums reported by EverQuote users who had full coverage car insurance policies and found that people pay the least in Idaho, Maine and Iowa.

Full coverage car insurance rates by state
Rank State Annual average premium paid
1 Idaho $1,272
2 Maine $1,332
3 Iowa $1,368
4 South Dakota $1,380
5 Wisconsin $1,404
6 New Hampshire $1,416
7 (tie) Ohio $1,428
7 (tie) Vermont $1,428
9 Indiana $1,440
10 Hawaii $1,452
11 (tie) Nebraska $1,500
11 (tie) North Dakota $1,500
11(tie) Utah $1,500
14 (tie) Illinois $1,512
14 (tie) New Mexico $1,512
16 (tie) Kansas $1,524
16 (tie) Montana $1,524
16 Wyoming $1,524
19 Oregon $1,536
20 (tie) Arizona $1,548
20 (tie) Minnesota $1,548
20 (tie) Virginia $1,548
23 (tie) California $1,560
23 (tie) North Carolina $1,560
23 (tie) Tennessee $1,560
26 Washington $1,572
27 Missouri $1,584
28 Alabama $1,596
29 Arkansas $1,620
30 Oklahoma $1,632
31 Colorado $1,644
32 West Virginia $1,656
33 Alaska $1,668
34 Mississippi $1,704
35 (tie) Nevada $1,716
35 (tie) Pennsylvania $1,716
37 Texas $1,740
38 Florida $1,800
39 (tie) Kentucky $1,848
39 (tie) Massachusetts $1,848
39 (tie) South Carolina $1,848
42 Connecticut $1,860
43 Georgia $1,872
44 Delaware $1,980
45 New Jersey $1,992
46 (tie) District of Columbia $2,016
46 (tie) Maryland $2,016
46 Rhode Island $2,076
49 Michigan $2,088
50 New York $2,100
51 Louisiana $2,124
Source: Premiums reported by EverQuote users, based on policies with liability of 100/300/50, collision, comprehensive and uninsured motorist coverage of 100/300. Rates are based on good drivers insuring a single vehicle from model year 2000 or newer. Rates are based on expenditures reported between 12/11/2015 and 8/7/2017. Your own rates will be different.

Where to buy full coverage auto insurance

All major car insurance companies sell a full selection of coverage options, including Allstate, Geico, Progressive and State Farm.

Getting cheap full coverage car insurance

Here are ways to reduce your bill:

  • Shop around: If you're looking for cheap car insurance, the biggest potential savings comes from comparing quotes from multiple companies. That's because rates can vary by hundreds of dollars for the same coverage from different insurance 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. Typical deductibles are $500, $1,000 and $2,000. A deductible is the amount subtracted from your insurance check if you make a claim.
  • Keep your driving record clean: Causing a car accident can lead to a rate increase at renewal time. By keeping distractions away and focusing on driving, you help to keep your rates down every time you hit the road. The average driver in the U.S. scores a "C" for safe driving, according to EverQuote's Safe Driving Report.
  • Improve your credit: Poor credit can have a bigger impact on your rates than causing an accident. Improving your credit can help your rates.

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