Is comprehensive insurance the same as full coverage? This question is about Comprehensive Car Insurance Guide

No, comprehensive insurance is not full coverage, but it is a key component of full coverage car insurance, along with collision insurance and any state-mandated types of coverage. Comprehensive insurance covers non-accident-related vehicle damage caused by things like vandalism or a natural disaster. Comprehensive Insurance vs. Full Coverage Aspects Comprehensive Insurance Full Coverage Insurance Average Annual Cost $162 $1,997 Required by State Law? Never Never Includes Collision Insurance? No Yes Includes Liability Insurance? No Yes Includes PIP? No Sometimes Includes Uninsured Motorist Coverage? No Sometimes Full coverage is a catch-all term for a few different types of car insurance policies and is a phrase more commonly used by consumers than car insurance companies. Some define full coverage as a policy that protects the policyholder from anything and everything in the event of an accident, while others say it is any policy with anything beyond the minimum coverage required by law. To learn more, check out WalletHub’s guides to comprehensive insurance and full coverage insurance.

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Is comprehensive insurance the same as full coverage?

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This question is about Comprehensive Car Insurance Guide

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@WalletHub • 05/09/23 This answer was first published on 09/14/21 and it was last updated on 05/09/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, comprehensive insurance is not full coverage, but it is a key component of full coverage car insurance, along with collision insurance and any state-mandated types of coverage. Comprehensive insurance covers non-accident-related vehicle damage caused by things like vandalism or a natural disaster.

Comprehensive Insurance vs. Full Coverage

Aspects	Comprehensive Insurance	Full Coverage Insurance
Average Annual Cost	$162	$1,997
Required by State Law?	Never	Never
Includes Collision Insurance?	No	Yes
Includes Liability Insurance?	No	Yes
Includes PIP?	No	Sometimes
Includes Uninsured Motorist Coverage?	No	Sometimes

Full coverage is a catch-all term for a few different types of car insurance policies and is a phrase more commonly used by consumers than car insurance companies. Some define full coverage as a policy that protects the policyholder from anything and everything in the event of an accident, while others say it is any policy with anything beyond the minimum coverage required by law.

To learn more, check out WalletHub’s guides to comprehensive insurance and full coverage insurance.

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What is the difference between full coverage and comprehensive insurance?

The difference between full coverage and comprehensive insurance is that full coverage is a car insurance policy that includes both comprehensive and collision insurance along with the state’s minimum requirements. Comprehensive insurance covers damage to a car from things other than accidents, like theft or fire.

Comprehensive insurance mostly covers events outside of a driver’s control, or incidents that happen when a car is parked. For instance, comprehensive covers vehicle damage or replacement due to...

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How do I know if I have full coverage?

You know you have full coverage auto insurance if you have comprehensive and collision plus any other insurance your state or lender requires. Full coverage is not an official kind of insurance, but the term generally describes a policy that protects the policyholder and their car in most situations. If you aren’t sure what insurance you have, you can check your online account for details. Or, you can look at your car insurance card for your insurance...

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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...

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