- Comprehensive and collision: Collision and comprehensive coverage are optional in all states, but we recommend them. Collision coverage will cover damages to your vehicle in an at-fault accident, while comprehensive coverage covers damages from events other than collisions, such as theft, vandalism, and weather-related events like hail.
- Uninsured/underinsured motorist: Even in states where auto insurance is required, not everyone complies. If you get into an accident with a driver that lacks insurance or sufficient insurance, uninsured/underinsured motorist coverage will pay for your repairs. It also applies to hit-and-runs where you couldn’t get the other party’s insurance and contact information.
- Medical payments: Finally, in at-fault accidents, medical payments coverage (also known as personal injury protection) covers the cost of medical expenses and lost wages for you and your passengers.
Full coverage does not include every coverage available, however. It does not include:
- Roadside assistance
- Ridesharing (such as if you’re an Uber or Lyft driver)
- Rental car (when your vehicle is being repaired after an accident)
- Gap coverage
- Glass coverage
- Optional basic economic loss
Even so, you’re probably wondering how much full coverage auto insurance costs.
|Type of vehicle
||Average annual cost of full coverage auto insurance
|Half-ton/crew pickup (4WD)
|Mid-size SUV (4WD)
|Small SUV (FWD)
Of course, many factors affect the cost of car insurance, but on average, the annual cost of full coverage insurance in 2020 was $1,202.2
What Is Liability?
Liability includes only property damage and bodily injury coverage. It does not include collision, comprehensive, uninsured/underinsured motorist, or medical coverage.
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Full coverage costs more than liability coverage
- Property damage coverage
- Bodily injury coverage
Which Is Better?
It’s a good idea to get full coverage insurance so that you can get your damages and medical costs paid for in covered claims and so you can be reimbursed for accidents with uninsured motorists, theft, vandalism, and hail. Liability insurance on its own applies only to the other party’s property damage and injuries, so you are personally responsible for any costs beyond your policy’s limits.
Which Is Required by Law?
Full coverage isn’t required; just recommended. In most states, only liability coverage is required as a minimum amount. Some states require medical coverage, while others require uninsured motorist coverage. No state requires collision or comprehensive coverage.
To see what level of auto insurance your state requires, read our auto insurance guide.