Full coverage insurance quotes include comprehensive and collision coverage. Because full coverage offers more protection, it comes at a higher monthly rate, so shopping around for the best prices is important.
What Are Full Coverage Insurance Quotes?
Full coverage insurance quotes are used to provide you with a pricing estimate for full coverage. Full coverage is an insurance policy that includes the minimum liability required in your state, as well as comprehensive and collision coverage.
Full coverage is an optional policy that covers damages to your vehicle. This is in comparison to no fault or minimum liability insurance, which only covers damages you cause to another driver’s vehicle. Because full coverage covers more, it is more expensive than other types of insurance.
What Is Comprehensive and Collision Coverage?
Full coverage insurance quotes usually include:
Comprehensive Coverage
Comprehensive covers damages to your vehicle that are not related to a car accident. It is sometimes referred to as other than collision (OTC) insurance. This might include:
- Theft
- Vandalism
- Weather-related damages
- Collision with a tree
Collision Coverage
Collision coverage covers damages to your vehicle related to a car accident, regardless of who is at fault for the accident. Collision coverage comes with a deductible, which is the amount you have to pay out of pocket if you file a claim before the insurance company will pay for the rest. Collision coverage might include:
- Running into an inanimate object
- Rear-ending another vehicle
- A hit-and-run
- Hitting another vehicle head-on
The deductible amount will vary depending on your policy. According to ValuePenguin, it is usually somewhere between $500 and $1000.
A full coverage insurance policy usually includes both collision and comprehensive. Other types of insurance it might include are personal injury protection, towing and labor, rental car reimbursement, and gap insurance. It is always a good idea to evaluate any insurance quotes you receive to find out what’s included or lacking in the policy.
How Much Is Full Coverage Car Insurance?
The cost of full coverage car insurance will vary depending on many factors, including your age, driving record, and credit score. More importantly, car insurance rates differ depending on location. According to NerdWallet, these are the average minimum insurance rates compared with full coverage rates for each state in the U.S.:
- Alabama: Average annual rate of $1027 (minimum coverage) and $1501 (full coverage)
- Alaska: Average annual rate of $1104 (minimum coverage) and $1521 (full coverage)
- Arizona: Average annual rate of $968 (minimum coverage) and $1536 (full coverage)
- Arkansas: Average annual rate of $1388 (minimum coverage) and $1883 (full coverage)
- California: Average annual rate of $1294 (minimum coverage) and $1911 (full coverage)
- Colorado: Average annual rate of $1484 (minimum coverage) and $2012 (full coverage)
- Connecticut: Average annual rate of $950 (minimum coverage) and $1791 (full coverage)
- Delaware: Average annual rate of $910 (minimum coverage) and $1733 (full coverage)
- Florida: Average annual rate of $1636 (minimum coverage) and $2321 (full coverage)
- Georgia: Average annual rate of $1063 (minimum coverage) and $1820 (full coverage)
- Hawaii: Average annual rate of $723 (minimum coverage) and $1049 (full coverage)
- Idaho: Average annual rate of $678 (minimum coverage) and $998 (full coverage)
- Illinois: Average annual rate of $929 (minimum coverage) and $1397 (full coverage)
- Indiana: Average annual rate of $796 (minimum coverage) and $1179 (full coverage)
- Iowa: Average annual rate of $896 (minimum coverage) and $1151 (full coverage)
- Kansas: Average annual rate of $1136 (minimum coverage) and $1600 (full coverage)
- Kentucky: Average annual rate of $1574 (minimum coverage) and $2363 (full coverage)
- Louisiana: Average annual rate of $1867 (minimum coverage) and $2762 (full coverage)
- Maine: Average annual rate of $591 (minimum coverage) and $963 (full coverage)
- Maryland: Average annual rate of $1011 (minimum coverage) and $1872 (full coverage)
- Massachusetts: Average annual rate of $669 (minimum coverage) and $1100 (full coverage)
- Michigan: Average annual rate of $1259 (minimum coverage) and $2387 (full coverage)
- Minnesota: Average annual rate of $859 (minimum coverage) and $1418 (full coverage)
- Mississippi: Average annual rate of $1138 (minimum coverage) and $1636 (full coverage)
- Missouri: Average annual rate of $1043 (minimum coverage) and $1526 (full coverage)
- Montana: Average annual rate of $1364 (minimum coverage) and $1726 (full coverage)
- Nebraska: Average annual rate of $1010 (minimum coverage) and $1376 (full coverage)
- Nevada: Average annual rate of $1322 (minimum coverage) and $2161 (full coverage)
- New Hampshire: Average annual rate of $740 (minimum coverage) and $1169 (full coverage)
- New Jersey: Average annual rate of $1009 (minimum coverage) and $1860 (full coverage)
- New Mexico: Average annual rate of $1028 (minimum coverage) and $1418 (full coverage)
- New York: Average annual rate of $1061 (minimum coverage) and $2131 (full coverage)
- North Carolina: Average annual rate of $801 (minimum coverage) and $1212 (full coverage)
- North Dakota: Average annual rate of $843 (minimum coverage) and $1195 (full coverage)
- Ohio: Average annual rate of $638 (minimum coverage) and $989 (full coverage)
- Oklahoma: Average annual rate of $1297 (minimum coverage) and $1748 (full coverage)
- Oregon: Average annual rate of $688 (minimum coverage) and $1358 (full coverage)
- Pennsylvania: Average annual rate of $974 (minimum coverage) and $1406 (full coverage)
- Rhode Island: Average annual rate of $1201 (minimum coverage) and $2043 (full coverage)
- South Carolina: Average annual rate of $1046 (minimum coverage) and $1652 (full coverage)
- South Dakota: Average annual rate of $1154 (minimum coverage) and $1455 (full coverage)
- Tennessee: Average annual rate of $898 (minimum coverage) and $1298 (full coverage)
- Texas: Average annual rate of $1050 (minimum coverage) and $1610 (full coverage)
- Utah: Average annual rate of $813 (minimum coverage) and $1390 (full coverage)
- Vermont: Average annual rate of $785 (minimum coverage) and $1123 (full coverage)
- Virginia: Average annual rate of $771 (minimum coverage) and $1248 (full coverage)
- Washington: Average annual rate of $777 (minimum coverage) and $1234 (full coverage)
- Washington D.C.: Average annual rate of $1144 (minimum coverage) and $1880 (full coverage)
- West Virginia: Average annual rate of $1088 (minimum coverage) and $1605 (full coverage)
- Wisconsin: Average annual rate of $799 (minimum coverage) and $1160 (full coverage)
- Wyoming: Average annual rate of $1035 (minimum coverage) and $1369 (full coverage)
Shopping around is the best way to find affordable full coverage.
Full coverage insurance quotes can help you choose the best coverage for your budget and needs.
Check this out if you need additional information, resources, or guidance on car insurance.
Sources:
The Cheapest (and Best) Full Coverage Car Insurance
The Cheapest, Best Full Coverage Car Insurance
Smart Car Coverage: Everything You Need to Know
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