Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

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In a nutshell...

  • Remember that car insurance rates vary depending on risk
  • Most drivers typically find full coverage car insurance for between $75 to $150 a month
  • People who opt to finance or lease a vehicle however often have no choice but to buy anything less than full coverage

Car insurance rates vary depending on some things, but one of the biggest factors is what type of car insurance you choose to buy.

While all states have minimum car insurance requirements, most drivers opt for full coverage car insurance, and when you read about the average cost of car insurance, it’s typically the cost of a comprehensive coverage policy quoted.

The term “full coverage” indeed has become part of the vernacular in the car insurance industry however it only has a general definition vs. a rock-solid definition.

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What is full coverage car insurance?


Typically when you hear the term full coverage car insurance, it means a policy with liability, collision and comprehensive coverage with levels exceeding $100,000 across all three types of insurance.

A type of policy like this certainly sounds like enough to cover almost any accident, however, remember that many lawsuits and medical expenses can easily surpass $100,000.

While you probably are fully covered for almost any car accident, there are situations where you may find yourself uninsured.

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Who should buy full coverage car insurance?

Almost any driver who owns a vehicle worth a decent value should probably buy full coverage car insurance.

Liability insurance is undoubtedly the most important and almost any financial expert will advise you to always purchase much more liability coverage than the state minimum requirements.

Collision and comprehensive coverage, however, depending on your unique financial needs and the value of the vehicle insured. This is often a personal decision based on the unique needs of drivers who own their cars.

Both auto leasing and auto loan companies want to protect their liability so as part of the financing terms most financial companies will require you to obtain a full coverage policy.

Can I buy a car insurance policy that covers me for anything?

There are many different car insurance companies and policy offerings, but there will always be limitations to how much insurance you can buy.

For most car accidents $100,000/$300,000 in liability insurance will be sufficient but, like anything, non-typical and extreme circumstances do happen when this is never enough coverage.

If you think standard full coverage car insurance policies are not enough, then you can look into higher limits or other forms of supplemental insurance such as a personal umbrella liability policy or even homeowners coverage.

How much is a full coverage car insurance policy?

When it comes to the average cost of car insurance published by many different sources these quotes typically reflect a specific profile of driver.

However, if you are a woman driver, young driver, or high-risk driver, this information doesn’t mean much as the data was based on comparing premiums of a 40-year-old single male driver.

The cost of car insurance will always depend on some variables including where you live, the type of vehicle insurance, your driving record and more.

Most drivers typically find full coverage car insurance for between $75 to $150 a month, but it’s impossible to say how much your cost of car insurance will be without reviewing your risk profile.

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