Leif Olson, Car Insurance Writer
21st Century full coverage auto insurance covers liability claims, collision damage regardless of fault, and non-accident damage from things like animals and severe weather. Full coverage always includes liability insurance, collision insurance, and comprehensive insurance.
The definition of full coverage changes depending on the minimum requirements of your state. In some states, 21st Century full coverage may also include uninsured/underinsured motorist coverage (UM/UIM), personal injury protection (PIP), and/or medical payments coverage (MedPay).
On average, 21st Century full coverage insurance costs $2,056 per year, compared to the national average cost for full coverage of $1,992 per year.
21st Century Full Coverage vs. Other Types of Insurance
Where It’s Required
What It Covers
Liability components are required in all states except Virginia and New Hampshire
Collision damage regardless of who is at fault for the accident
Non-collision damage from animals, extreme weather, vandalism, and theft
Liability for other people’s injuries and property damage caused by the policyholder
UM is required in 20 states and DC
UIM is required in 14 states
Property damage or injuries to the policyholder caused by an at-fault driver without insurance or with too little insurance
PIP is required in 12 states
Injuries and other expenses like lost wages, regardless of fault
MedPay is required in Maine and New Hampshire
Injuries to the policyholder after an accident, regardless of fault
To learn more about 21st Century’s coverage options, check out WalletHub’s full review of 21st Century.
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