What is full coverage insurance?

There is no standard definition of "full coverage" car insurance. Car insurance is not a one-size-fits-all purchase and should be customized to your individual circumstances. Making sure your property and assets are covered is important. Based on your situation, your version of full coverage may differ from someone else's version of full coverage.

Our coverage calculator can help you estimate the amount of coverage you should consider carrying on your auto insurance policy.

What coverages make up an auto insurance policy?

Auto insurance policies have state-required coverages and coverage limits you are required to carry to legally operate a vehicle on the road, and optional coverages and coverage limits that can be added. The coverages and limits of coverage vary based on the state. Want to know more about your state? Check out the state information pages.

Other coverages may be required by a lienholder. If your vehicle is financed or leased, your lienholder may require you to carry collision coverage and comprehensive coverage on your policy to protect their interest.

The most common coverages required by state law are liability coverages (bodily injury and property damage). These coverages help provide protection if you're at fault in an accident and cause injury or damage to another person or their property.

Optional coverages include rental reimbursement to help cover rental car costs while your car is being repaired as a result of a covered claim. Emergency road service can help provide roadside assistance for tire changes, jump starts, or a tow if necessary.

Check out the car insurance coverage information page to learn more about these and other available coverages.

How can I customize my car insurance policy?

Even though you may be required you to carry certain coverages and limits, you can still customize your policy. You may decide you'd like to have more protection than the state mandates and even add an umbrella insurance policy.

Generally, with comprehensive and collision coverages, you can select the amount of the deductible you carry. In most cases the deductible is the amount you will be responsible for in the event of a covered loss. Typically, a higher deductible translates to a lower premium on your insurance policy.

The types of coverages, limits and deductibles you choose affect the amount of your car insurance premium. If you are comparing car insurance rates, it is important to keep this in mind.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.