Updated March 2026
What Is Full Coverage Insurance?
Full coverage combines three distinct coverage types: liability (which pays for damage and injuries you cause to others), collision (which pays for damage to your car from crashes regardless of fault), and comprehensive (which pays for damage to your car from non-collision events like theft, hail, or vandalism). When you carry all three, you have protection for other people's property and injuries, plus protection for your own vehicle in nearly every damage scenario. The liability portion typically includes both bodily injury and property damage coverage with limits you choose, while collision and comprehensive usually carry a deductible you select (commonly $500 or $1,000). This combination ensures that whether you're at fault in an accident, your parked car is stolen, or a deer runs into your vehicle, you have a path to repair or replacement.
How Much Does Full Coverage Insurance Cost?
- Vehicle value and replacement cost — comprehensive and collision premiums are calculated as a percentage of your car's actual cash value, so expensive vehicles cost significantly more to insure.
- Deductible selection — choosing a $1,000 deductible instead of $500 can reduce your collision and comprehensive premiums by 15% to 30%.
- Driving record — at-fault accidents in the past three to five years can increase full coverage rates by 40% to 60% since collision coverage will likely pay claims on your behalf.
- Credit-based insurance score — in states where it's allowed, poor credit can increase full coverage premiums by 50% or more compared to excellent credit.
- Location — urban areas with higher collision and theft rates typically see 20% to 40% higher comprehensive and collision premiums than rural counties.
- Annual mileage — driving more than 12,000 miles per year increases collision risk and can raise premiums by 10% to 20%.
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