Car Insurance Coverage Types comparisons

Car insurance is sold as building blocks: liability pays for damage you cause to others, collision and comprehensive pay for your own car, and full coverage bundles them. We compare what each pays for, whether the law or your lender requires it, deductibles, typical cost and the situations where each one leaves you exposed. This is general information, not insurance advice; rules differ by country and state.

4 car insurance coverage types · 2 published comparisons · Scoring weights: Overall 100% · Updated October 2026

Car Insurance Coverage Types comparison

Popular car insurance coverage comparisons

Car insurance coverage types in our database, ranked by VersusAnything Score

  • Liability-Only Car Insurance100/100Liability-only insurance pays for injuries and property damage you cause to other people, meets most legal minimums and is the cheapest policy you can buy, but it never pays to fix your own car.
  • Comprehensive Coverage67/100Comprehensive coverage pays for damage to your car from events other than a crash: theft, fire, flood, hail, falling objects, vandalism and animal strikes.
  • Collision Coverage33/100Collision coverage pays to repair or replace your own car after a crash with another vehicle or object, regardless of who was at fault, minus your deductible.
  • Full Coverage Car Insurance0/100Full coverage is not one policy but the common bundle of liability, collision and comprehensive, often with uninsured motorist cover, that protects both your car and others.

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How we score car insurance coverage types

Every car insurance coverage is scored on the same rows: what it covers, pays for damage to your own car, deductible applies, required by law, required by lenders/lessors, typical annual cost (US, approx.), cost tier (1 = cheapest), best for, what it does not cover. Measurable rows are normalised across the category and weighted (Overall 100%); rows without a sensible direction are explained, not scored. Full rules on our how we score page.