A woman seated in the driver's seat of a car at night adjusts the rearview mirror, seen from outside through the open window, with a wet street and blurred lights in the background.

What Is Full Coverage Auto Insurance?

Full coverage auto insurance is a package that combines liability insurance (which pays for damage you cause to others) with collision and comprehensive coverage (which pay for damage to your own vehicle).

Compare my rates

Free to compare

What Is Full Coverage Insurance?

Full coverage combines three core protection types: liability insurance (bodily injury and property damage you cause to others), collision coverage (damage to your car from accidents regardless of fault), and comprehensive coverage (damage from theft, weather, vandalism, and animal strikes). Most full coverage policies also include uninsured/underinsured motorist coverage, medical payments or personal injury protection, and roadside assistance. The exact combination depends on your state's minimum requirements and your lender's conditions if you finance or lease your vehicle.

A hand holds a black remote car key and a metal key on a ring above a wooden table with printed documents and a pen, in a dimly lit kitchen interior.

Who Needs Full Coverage Insurance?

Full coverage is essential if you finance or lease your vehicle, as lenders require it to protect their investment until you own the car outright. Drivers with DUIs, suspended licenses, or multiple violations should especially consider full coverage since they've already absorbed the rate increase—dropping to liability-only saves money but leaves you exposed after you've paid for higher-risk classification.

Related Coverage Types

A hand holds a key ring with a key and a black remote fob above a wooden table where a pen rests on a stack of printed documents, with a blurred kitchen in the background.

Non-Standard Auto Insurance→

A man in a dark blue henley shirt works at a laptop on a wooden desk, with printed floor plans and papers nearby, a bookshelf and lit lamp behind him, and a window showing dusk sky.

Collision Coverage→

Driver's-eye view from inside a vehicle at night, with two hands gripping the steering wheel, illuminated instrument dials ahead, and a road with blurred street and vehicle lights through the windshield.

Uninsured Motorist Coverage→

A woman in a grey cardigan and black top sits in a vehicle's driver seat, holding a phone to her left ear and looking downward, with blurred trees visible through the windows.

Liability Insurance→

A woman with long grey-blonde hair in a cream sweater, jeans and brown ankle boots stands beside an open door of a silver sedan on a tree-lined residential street in low sunlight.

Put Your Record Up Against Every Rate

Compare Rates for Your Driving Record