Catherine C Ford, Writer
@catherine_ford_1
Full coverage does include comprehensive insurance. comprehensive insurance pays for damage or loss caused by non-collision events like theft, vandalism, or extreme weather, while full coverage is a combination of different types of insurance, including a state's minimum required coverage, comprehensive insurance, and collision insurance.
Each state sets its own minimum car insurance requirements, so what is considered full coverage will vary by state. Some states may require more than just liability insurance.
Types of Car Insurance Included With Full Coverage
- Bodily injury liability insurance (if required by state law)
- Property damage liability insurance
- Comprehensive insurance
- Collision insurance
- Uninsured/underinsured motorist coverage (if required by state law)
- Personal injury protection (if required by state law)
- Medical payments coverage (if required by state law)
Full Coverage vs comprehensive insurance
| Type of Coverage | Full | Comprehensive Insurance |
| What is it? | A combination of coverage that includes liability, comprehensive and collision insurance | Coverage to pay for damage to a vehicle caused by non-collision events that are beyond your control |
| What's covered? | Other people's injuries and property damage that you cause and damage to your vehicle | Damage caused by events outside your control, such as natural disasters, animal damage, and car theft |
| What's not covered? | Your medical expenses | Your injuries, other people’s injuries/property damage that you cause, and vehicle repair or replacement after a collision with another vehicle or a stationary object and single-car accidents like rolling over |
| Is it required by law? | Only state-minimum coverage is | No |
| Is it required by lenders? | Yes, in most cases | Yes, in most cases |
To learn more, check out WalletHub's guides on comprehensive insurance and full coverage insurance.
People also ask
Do I need comprehensive insurance?
You need comprehensive insurance if you have a loan or a lease on your car and your lender requires comprehensive coverage. Even if you are not required to have comprehensive insurance, it is still a good idea to purchase it so you are protected against theft, vandalism, fires, natural disasters, and more.
When You May Need Comprehensive Insurance
- Your lender or lessor requires it
- You can’t repair or replace your car...
What does comprehensive insurance cover?
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
What Comprehensive Insurance Covers
- Theft
- Vandalism
- Floods
- Fires (not related to a collision)
- Natural disasters
- Animal damage (including hitting a deer or...
How much is comprehensive insurance?
Comprehensive insurance costs $160 per year on average, making it an inexpensive coverage option. Like with any type of car insurance, comprehensive insurance premiums vary based on factors like location, the driver’s age, and the vehicle’s value.
Additionally, comprehensive insurance is subject to a deductible, often ranging from $500 to $1,500. The driver can choose her own deductible when purchasing the policy. Higher deductibles mean lower premiums, and vice versa.
Comprehensive insurance covers...
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