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Compare minimum coverage requirements, average premium data, and carrier options across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

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Liability InsuranceRequired in 48 states, liability covers bodily injury and property damage you cause to others. Minimum limits range from 15/30/5 in California to 50/100/25 in Alaska.

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Full CoverageCombines liability, comprehensive, and collision into one policy. Typically required by lenders on financed or leased vehicles until the loan is paid off.

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Comprehensive CoverageCovers damage from theft, vandalism, fire, weather, and animal strikes. Covers everything except collisions and includes glass damage with no deductible in some states.

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Collision CoveragePays for vehicle damage from crashes with other cars or objects, regardless of fault. Deductibles typically range from $250 to $1,000 and directly impact premium cost.

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Uninsured Motorist CoverageProtects you when hit by a driver with no insurance or insufficient coverage. Required in 20 states and covers medical bills, lost wages, and vehicle damage.

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Frequently Asked Questions

What does full coverage auto insurance include?

Full coverage combines liability insurance with comprehensive and collision coverage. It protects against damage you cause to others, damage to your vehicle from accidents, and non-collision damage like theft or weather events.

What is the difference between collision and comprehensive coverage?

Collision covers damage from crashes with vehicles or objects. Comprehensive covers everything else: theft, vandalism, fire, hail, flooding, and animal strikes.