Sunday, November 18, 2018

What is full coverage car insurance?

What most drivers and insurance agents refer to as full coverage is a car insurance policy that includes state-mandated car insurance coverage (this usually is bodily injury liability and property damage liability but also may include uninsured motorist and personal injury protection), along with physical damage coverage of collision and comprehensive.



Bodily injury liability covers other people’s medical costs for injuries and death for which you are responsible. Property damage liability covers you if your car damages someone else’s property. These coverages come with maximum limits that you choose at the inception of your policy.


Liability coverages don’t protect your car in any way, so that is why you purchase physical damage coverages. 

Collision insurance covers damage to your automobile caused by a collision with another object or by upset. Comprehensive insurance covers damage to your vehicle for damages caused by things other than collision, such as vandalism, theft, fire, flooding, hail or glass breakage.

Most lienholders require physical damage coverage if you are financing or leasing your vehicle. These coverages each come with a deductible, an amount due before your insurance benefits kick in.  

Whatever car insurance coverages you have are subject to the guidelines and terms of your policy, especially with regard to the payment of claims.  It is important to note that the term full coverage can be misleading, as no insurance policy covers every possible situation that could damage your car or cause injuries while in a car.

Learn more about the various types of coverages that you can get on your car insurance policy, including medical ones such as personal injury protection and medical payments, by reading through our types of car insurance page.

If you want to see how much it will cost to add collision coverage or the cost of adding comprehensive insurance to protect your vehicle, then get started with car insurance quotes and comparison shop the price of your policy with and without these coverages.

How much does full coverage car insurance cost?
The term full coverage is also used to refer to liability limits beyond the state minimum liability insurance required to drive legally. Usually full coverage is considered to have the following:



Full coverage liability of $100,000 per person injured in an accident you cause, up to $300,000 per accident, and $100,000 for property damage you cause, with a $500 deductible for comprehensive and collision. This is commonly written as 100/300/100.
The chart shows average annual rates for full coverage of 100/300/100 as outlined above. Enter your state in the search field in the chart below to see the average rate for where you live, as well as the highest and lowest rate fielded from major insurers. You'll see that you can save by comparing rates, as insurers price policies according to their unique risk assessment calculations.

State Average annual rate Highest rate Lowest rate

Alaska $1,109 $1,615 $825
Alabama $1,299 $2,393 $684
Arkansas $1,370 $2,131 $803
Arizona $1,356 $2,588 $715
California $1,518 $3,680 $581
Colorado $1,404 $2,307 $648
Connecticut $1,771 $3,538 $789
DC $1,723 $2,913 $713
Delaware $1,646 $2,798 $959
Florida $1,823 $5,710 $886
Georgia $1,340 $2,465 $600
Hawaii $1,458 $2,680 $780
Iowa $1,015 $1,827 $561
Idaho $941 $1,782 $545
Illinois $1,004 $2,581 $500
Indiana $964 $1,874 $560
Kansas $1,242 $2,510 $668
Kentucky $1,752 $4,367 $641
Louisiana $2,190 $4,555 $1,114
Massachusetts $1,191 $3,477 $678
Maryland $1,390 $2,953 $877
Maine $925 $1,384 $463
Michigan $2,484 $15,938 $764
Minnesota $1,187 $2,162 $753
Missouri $1,154 $2,960 $638
Mississippi $1,323 $2,277 $689
Montana $1,224 $1,907 $710
North Carolina $960 $1,640 $481
North Dakota $1,315 $3,120 $662
Nebraska $1,113 $1,845 $620
New Hampshire $1,101 $2,012 $498
New Jersey $1,346 $2,734 $566
New Mexico $1,253 $2,222 $776
Nevada $1,746 $3,397 $905
New York $1,759 $7,898 $604
Ohio $952 $1,885 $530
Oklahoma $1,643 $3,792 $830
Oregon $1,264 $2,065 $756
Pennsylvania $1,522 $6,507 $489
Rhode Island $1,688 $4,132 $939
South Carolina $1,260 $1,837 $808
South Dakota $1,059 $1,661 $586
Tennessee $1,214 $2,521 $646
Texas $1,300 $2,937 $688
Utah $1,199 $1,913 $626
Virginia $972 $1,497 $615
Vermont $963 $1,386 $474
Washington $1,191 $2,019 $838
Wisconsin $1,351 $4,886 $530
West Virginia $1,375 $2,415 $941
Wyoming $1,494 $2,073 $1,048

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