Yes, USAA offers full coverage insurance. A USAA full coverage policy usually refers to car insurance that includes the state’s minimum requirements along with collision and comprehensive insurance, which protect the policyholder’s own vehicle.
The average cost of USAA full coverage car insurance is $2,002. Full coverage from USAA is more expensive than a USAA liability-only policy, since it provides more coverage.
A USAA full coverage policy is a good choice for drivers who don’t want to pay out of pocket to repair or replace their car, even if they are at fault in an accident. Collision insurance covers the cost of fixing or replacing the policyholder’s vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder’s car if it’s damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are required for leased and financed cars.
Still, it’s worth noting that full coverage is not the official name of any type of insurance, so be sure to clarify whether collision and comprehensive are included if you’re purchasing a USAA policy. To learn more, check out WalletHub’s guide to full coverage car insurance.
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