Full Coverage Car Insurance
Full 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.
- Brand
- Coverage type
- Category
- Car Insurance Coverage Types
- Released
- Price
- Not published
- VersusAnything Score
- 0/100
Key features
- Protects your car and others
- Required for financed and leased cars
- Most complete everyday protection
Best for anyone with a financed, leased or newer car.
full coverage car insurance specifications
| What it covers | Liability plus collision plus comprehensive (often plus uninsured motorist) |
|---|---|
| Pays for damage to your own car | Yes, for crashes and non-crash events |
| Deductible applies | Yes, on the collision and comprehensive parts |
| Required by law | Liability part only |
| Required by lenders/lessors | Yes, this is what lenders mean by required cover |
| Typical annual cost (US, approx.) | Roughly $2,000-$2,700 per year |
| Cost tier (1 = cheapest) | 4 |
| Best for | Financed, leased and newer vehicles |
| What it does not cover | Wear and tear, mechanical breakdown, personal items in the car, rental reimbursement unless added |
Score breakdown
- Overall (100%)
Scored against every car insurance coverage in our database using the car insurance coverage types weighting.
Pros and cons
Pros
- Protects your car and others
- Required for financed and leased cars
- Most complete everyday protection
Cons
- Weaker overall score (0/100 within car insurance coverage types)
Compare full coverage car insurance against
Alternatives to full coverage car insurance
- Liability-Only Car Insurance 100/100
- Collision Coverage 33/100
- Comprehensive Coverage 67/100
Sources
- full coverage car insurance: Coverage type official (manufacturer)
Specifications last verified: 2026-10-01. Prices are launch or official list prices in US dollars unless stated. See our sources and data policy.