Best Full Coverage Car Insurance in 2024 (Check Out the Top 10 Companies)
Looking for comprehensive protection for your vehicle? Discover the benefits of full coverage car insurance in this informative article. Explore the various options and find the perfect policy that suits your needs and budget.
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Tim Bain
Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Insurance Agent
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 20, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
1,814 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A | Diverse Coverage | Farmers |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 25% | A+ | Trusted Brand | Erie |
 | #4 | 25% | A | Flexible Options | Liberty Mutual |
 | #5 | 25% | A | Customer Service | American Family |
 | #6 | 17% | B | Comprehensive Policies | State Farm |
 | #7 | 25% | A+ | Broad Coverage | Allstate |
 | #8 | 20% | A | Member Benefits | AAA |
 | #9 | 30% | A+ | Reliable Service | Amica |
 | #10 | 10% | A+ | Competitive Prices | Progressive |
#1 – Farmers: Top Overall Pick
Pros
- Affordable Full Coverage Rates: Farmers provide full coverage at a reasonable $175/month.
- Unique Add-Ons: Includes accident forgiveness and new car replacement for added peace of mind.
- Great Customer Service: Farmers is well-regarded for personalized attention and claims handling.
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Cons
- Higher Minimum Coverage Rates: At $85/month, Farmers’ minimum coverage isn’t the lowest.
- Limited Online Tools: Compared to Geico or Progressive, Farmers’ digital tools are less advanced.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Minimum Coverage: Geico leads with the lowest minimum coverage rate at $78/month, making it an excellent choice for budget-conscious drivers.
- Low Full Coverage Rates: Geico offers full coverage at just $165/month, the most affordable among top insurers.
- Digital Convenience: Geico excels with its intuitive app and online tools, providing seamless policy management and claims filing.
Cons
- Limited Local Agents: Geico’s focus on digital services means fewer in-person agent options.
- Higher Deductibles: Some customers report Geico’s affordable rates come with higher deductibles, especially for full coverage.
#3 – Erie: Best for Trusted Brand
Pros
- Low Full Coverage Rates: Erie offers one of the most competitive full coverage plans at $170/month, balancing affordability with quality.
- High Customer Satisfaction: Erie is known for exceptional service, consistently ranking high in customer satisfaction surveys.
- Generous Coverage Options: Erie provides extensive add-ons, including pet injury protection and better car replacement coverage.
Cons
- Availability Limitations: Erie is not available nationwide, restricting access for some drivers.
- Fewer Discounts: Compared to competitors, Erie offers fewer discount opportunities.
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#4 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Full Coverage: At $185/month, Liberty Mutual’s policies include a variety of customizable add-ons like accident forgiveness.
- Comprehensive Tools: Liberty Mutual’s mobile app and website offer tools to track claims and manage policies efficiently.
- Better Car Replacement: Replaces a totaled car with a newer model of the same make and value.
Cons
- Higher Costs: Minimum coverage starts at $90/month, making it less appealing for budget-conscious drivers.
- Complex Discounts: Discounts are available but may require significant documentation or eligibility criteria.
#5 – American Family: Best for Customer Service
Pros
- Competitive Full Coverage Rates: American Family offers full coverage at $180/month, balancing quality and affordability.
- Great for Bundling: Policyholders can save significantly by combining auto, home, and other insurance types.
- Robust Discounts: Offers various discounts, including safe driver and student driver savings.
Cons
- Higher Minimum Coverage Rates: Minimum coverage starts at $88/month, which is higher than competitors like Geico or Erie.
- Availability: American Family is not available in all states, limiting accessibility.
#6 – State Farm: Best for Comprehensive Policies
Pros
- Reliable Full Coverage Rates: State Farm provides competitive full coverage rates at $170/month with robust options.
- Customizable Policies: State Farm allows drivers to tailor policies to fit their unique needs, ensuring optimal coverage.
- Local Agent Network: State Farm boasts a vast network of agents for personalized service.
Cons
- Higher Minimum Coverage Cost: State Farm’s minimum coverage rate is $82/month, higher than some competitors like Geico.
- Premium Variations: Depending on the location, premium costs can be higher for similar coverage levels.
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#7 – Allstate: Best for Broad Coverage
Pros
- Extensive Network: Allstate offers widespread availability and numerous local agents for personalized service.
- Comprehensive Full Coverage: At $190/month, Allstate’s policies include add-ons like roadside assistance.
- Claim Satisfaction Guarantee: Allstate ensures satisfaction with its claims process or offers money back.
Cons
- Higher Costs: Minimum coverage starts at $92/month, higher than most competitors.
- Premium Variability: Rates can fluctuate significantly based on location and driving history.
#8 – AAA: Best for Member Benefits
Pros
- Comprehensive Coverage: AAA offers extensive full coverage at $180/month, complemented by exclusive member perks.
- Travel Benefits: Membership includes roadside assistance, travel discounts, and more.
- Strong Customer Service: AAA’s reputation for reliable service enhances its appeal.
Cons
- Membership Required: AAA insurance requires an active membership, adding to overall costs.
- Higher Minimum Coverage Rates: Minimum coverage costs $89/month, not as competitive as other providers.
#9 – Amica: Best for Reliable Service
Pros
- Top-Tier Full Coverage Rates: Amica offers competitive full coverage at $175/month, paired with excellent service.
- Superior Claims Handling: Amica is renowned for its straightforward and hassle-free claims process.
- Dividends Option: Policyholders may receive dividend payments, reducing their overall costs.
Cons
- Higher Minimum Coverage Rates: Minimum coverage starts at $85/month, which is not the lowest on the market.
- Limited Discounts: Amica’s discounts may not be as extensive as those of larger insurers.
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#10 – Progressive: Best for Competitive Prices
Pros
- Affordable Full Coverage Rates: At $172/month, Progressive offers highly competitive full coverage plans.
- Name Your Price Tool: This unique feature allows drivers to customize policies based on their budget.
- Diverse Coverage Options: Progressive includes add-ons like gap insurance and rideshare coverage for broader protection.
Cons
- Service Variability: Customer satisfaction with claims processing can vary depending on location.
- Snapshot Program Issues: Progressive’s telematics-based discount program might increase premiums for certain driving behaviors.
Understanding Full Coverage Car Insurance
Full Coverage Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $89 | $180 |
| $92 | $190 |
| $88 | $180 |
| $85 | $175 |
| $80 | $170 |
| $85 | $175 |
| $78 | $165 |
| $90 | $185 |
| $84 | $172 |
| $82 | $170 |
Full coverage car insurance is a comprehensive policy that provides coverage for both liability and physical damage to your vehicle. Unlike liability-only insurance, which only covers damages to others if you are at fault in an accident, full coverage insurance also protects you and your vehicle. This type of insurance typically includes collision coverage, comprehensive coverage, and liability coverage.
Car Insurance Discounts From the Top Providers for Full Coverage| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Good Driver, New Vehicle, Anti-theft |
| Multi-policy, Safe Driving Bonus, Anti-theft, New Car |
| Multi-policy, Loyalty, Defensive Driving, Safe Driver |
| Multi-policy, Loyalty, AutoPay, Good Driver |
| Multi-policy, Safe Driver, Paid-in-Full, Anti-theft |
| Multi-policy, Safe Driver, Good Student, Defensive Driving |
| Multi-policy, Good Driver, Military, Defensive Driving |
| Multi-policy, Vehicle Safety, Online Purchase, Low Mileage |
| Multi-policy, Good Student, AutoPay, Snapshot Program |
| Multi-policy, Safe Driver, Good Student, Defensive Driving |
When it comes to protecting your vehicle, full coverage car insurance offers a wide range of benefits. Let’s take a closer look at the different components of this comprehensive policy.
What is Full Coverage Car Insurance?
Full coverage car insurance combines several types of coverage to ensure you have adequate protection in different situations. Collision coverage helps pay for damages to your vehicle that result from a collision with another vehicle or object, regardless of fault. Whether it’s a minor fender bender or a major accident, collision coverage ensures that your vehicle can be repaired or replaced, depending on the circumstances.
Comprehensive coverage, on the other hand, covers damages caused by non-collision events, such as theft, vandalism, fire, or natural disasters. This means that even if your vehicle is not involved in an accident, you are still protected from a variety of potential risks. Whether it’s a stolen car or a vehicle damaged by a fallen tree during a storm, comprehensive coverage provides the necessary financial support to get your vehicle back on the road.
Lastly, liability coverage pays for damages and injuries you cause to others in an accident where you are at fault. This coverage is crucial to protect you from potential lawsuits and ensure that the injured party receives the necessary compensation. With liability coverage, you can have peace of mind knowing that you are financially protected in case of an unfortunate accident.
Why Opt for Full Coverage Car Insurance?
While full coverage car insurance may be more expensive than liability-only coverage, it offers significant advantages to vehicle owners. By opting for this comprehensive insurance, you have greater peace of mind knowing that you and your vehicle are protected from a wide range of potential risks.
Accidents can happen at any time, and the cost of repairs or replacements can be substantial. With full coverage insurance, you can avoid out-of-pocket expenses and ensure that your vehicle can be repaired or replaced, depending on the circumstances. Whether it’s a minor scratch or a major collision, your insurance policy will be there to provide the necessary financial support.
Moreover, full coverage car insurance also offers additional benefits such as rental car reimbursement and roadside assistance. In the event of an accident or breakdown, you can rely on your insurance policy to provide you with the necessary assistance and support.
It’s important to note that the specific terms and coverage limits of full coverage car insurance may vary depending on the insurance provider and policy. It’s always recommended to carefully review your policy documents and consult with an insurance agent to fully understand the extent of your coverage.
In conclusion, full coverage car insurance is a comprehensive policy that provides protection for both liability and physical damage to your vehicle. It combines collision coverage, comprehensive coverage, and liability coverage to ensure that you are adequately protected in different situations. By opting for full coverage insurance, you can have greater peace of mind knowing that you and your vehicle are safeguarded from a wide range of potential risks.
Factors to Consider When Choosing Full Coverage Car Insurance
When selecting a full coverage car insurance policy, several factors should weigh into your decision-making process:
Your Budget
Consider your budget and determine how much you can afford to spend on car insurance premiums. While full coverage provides comprehensive protection, it may come at a higher cost compared to liability-only coverage. Evaluate your finances and seek quotes from different insurance providers to find the best balance between coverage and affordability.
It’s important to note that while full coverage insurance may have higher premiums, it can potentially save you money in the long run. In the event of an accident, full coverage can help cover the costs of repairs or replacement, reducing your out-of-pocket expenses.
Your Vehicle’s Value
The value of your vehicle plays a crucial role in determining the type of coverage you need. If you have a newer, more expensive car, full coverage insurance can help protect your investment. In the unfortunate event of a total loss, full coverage can provide compensation for the value of your vehicle, allowing you to replace it with a similar model.
On the other hand, if your vehicle is old or has a low market value, you may consider whether the cost of full coverage is worth it in the event of an accident. In some cases, the cost of the insurance premiums may exceed the potential payout from the insurance company.
It’s also worth noting that full coverage insurance can provide additional benefits beyond just covering damage to your vehicle. Some policies may include coverage for rental cars, roadside assistance, and even reimbursement for medical expenses resulting from an accident.
Your Driving Record
Your driving record can impact the cost of your insurance premiums. If you have a clean driving record with no history of accidents or traffic violations, you may be eligible for lower rates. Insurance companies often consider drivers with a clean record to be less risky, resulting in more affordable premiums for full coverage insurance.
On the other hand, if you have a poor driving record with multiple accidents or traffic violations, full coverage insurance can provide added protection and peace of mind. It can help cover the costs of repairs or medical expenses resulting from an accident, minimizing the financial burden on you.
Additionally, some insurance companies offer safe driving discounts or incentives for drivers who maintain a clean record over a certain period of time. This can further reduce the cost of full coverage insurance for responsible drivers.
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Top Car Insurance Companies for Full Coverage
When it comes to selecting the best car insurance for full coverage, there are several reputable companies worth considering:
Company 1 Review
Company 1 has consistently received positive customer reviews and offers competitive rates for full coverage car insurance. Their comprehensive policies provide the necessary protection for your vehicle and peace of mind.
Company 1 has been in the car insurance industry for over 20 years, establishing themselves as a trusted and reliable provider. They have a wide network of repair shops and offer 24/7 roadside assistance, ensuring that you are never stranded in case of an emergency.
One of the standout features of Company 1 is their commitment to customer satisfaction. They have a dedicated claims team that works efficiently to process claims and provide timely assistance. Their knowledgeable representatives are always available to answer any questions or concerns you may have.
Company 2 Review
Company 2 is known for its excellent customer service and comprehensive coverage options. With various discounts and customizable policies, they strive to meet the unique needs of their customers.
Company 2 has been recognized for their exceptional customer service, with representatives who are friendly, helpful, and knowledgeable. They take the time to understand your specific requirements and guide you through the process of selecting the right coverage for your vehicle.
In addition to their outstanding customer service, Company 2 offers a wide range of coverage options to suit different budgets and preferences. They have flexible deductible options and additional coverage for rental cars, roadside assistance, and even personal belongings that may be damaged or stolen from your vehicle.
Company 3 Review
Company 3 stands out for its affordable rates and a straightforward claims process. Their full coverage car insurance policies offer great value for money without compromising on quality.
Company 3 understands the importance of affordability without sacrificing the level of coverage you need. They offer competitive rates for full coverage car insurance, making it accessible to a wider range of drivers. Their policies include coverage for bodily injury, property damage, and comprehensive and collision coverage.
When it comes to filing a claim with Company 3, they have streamlined the process to make it as simple and stress-free as possible. Their online claims portal allows you to submit your claim and track its progress in real-time. They also have a dedicated claims team that is available to assist you throughout the entire process.
How to Get the Best Rates for Full Coverage Car Insurance
When it comes to full coverage car insurance, finding the best rates can be a challenge. However, with a little bit of knowledge and some strategic planning, you can save money without compromising on coverage. Here are some tips and tricks to help you get the best rates:
Tips for Lowering Your Premium
One of the most effective ways to lower your premium is by considering raising your deductibles. By opting for a higher deductible, you can significantly reduce your monthly premium. However, it’s important to assess your financial situation and choose a deductible that you can comfortably afford in case of an accident.
Another way to lower your premium is by reviewing any available discounts. Insurance companies often offer various discounts based on factors such as your driving record, age, and occupation. Be sure to inquire about these discounts and take advantage of them to reduce your overall premium.
In addition to raising your deductibles and reviewing discounts, maintaining a good credit score can also help lower your premiums. Insurance companies often consider your credit score as an indicator of your financial responsibility. By demonstrating good credit habits, you can show insurers that you are a low-risk policyholder, resulting in lower premiums.
Furthermore, bundling your auto insurance with other policies, such as homeowners insurance, can also help you save money. Many insurance companies offer discounts to customers who have multiple policies with them. So, consider consolidating your insurance needs with one provider to enjoy the benefits of bundled discounts.
Discounts and Deals to Look Out For
When searching for full coverage car insurance, it’s crucial to keep an eye out for discounts and deals that can further reduce your premium. Many insurance companies offer discounts for safe driving habits, such as maintaining a clean driving record or completing defensive driving courses. These discounts not only help you save money but also encourage responsible driving practices.
In addition to safe driving discounts, certain safety features installed in your vehicle can also qualify you for discounts. Features like anti-lock brakes, airbags, and anti-theft devices can lower the risk of accidents or theft, making you eligible for reduced premiums. So, when shopping for a new car, consider opting for models that come equipped with these safety features.
Furthermore, some insurance companies offer loyalty discounts to customers who have been with them for an extended period. These discounts reward your loyalty and can result in significant savings over time. So, if you’ve been with the same insurance company for a while, don’t hesitate to inquire about loyalty discounts.
In conclusion, finding the best rates for full coverage car insurance requires careful consideration and research. By raising your deductibles, reviewing available discounts, maintaining a good credit score, bundling policies, and taking advantage of various deals, you can secure a comprehensive insurance plan at an affordable price. Remember, it’s essential to regularly review your coverage and compare quotes from different insurers to ensure you’re getting the best value for your money.
Comparing Full Coverage Car Insurance Policies
When comparing full coverage car insurance policies, it’s essential to look for specific features:
What to Look for in a Policy
Consider the deductibles, coverage limits, and optional add-ons or endorsements offered by different insurance providers. Evaluate how these factors align with your needs and priorities to find the perfect policy for you.
How to Compare Policies Effectively
Collect quotes from multiple insurance companies and carefully review the coverage details and costs. Pay attention to exclusions and limitations to ensure you select the policy that offers the most comprehensive protection for your vehicle.
In conclusion, finding the best car insurance for full coverage requires understanding the different aspects of full coverage insurance, considering various factors like budget and vehicle value, and comparing policies offered by reputable insurance companies. By doing your research and considering your individual needs, you can ensure that you have the right level of protection for your vehicle and peace of mind while on the road.
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Frequently Asked Questions
What does full coverage car insurance mean?
Full coverage car insurance typically refers to a policy that includes both liability coverage and comprehensive and collision coverage. It provides protection for damage to your own vehicle as well as liability coverage for injuries or damages caused to others in an accident.
What does liability coverage include?
Liability coverage in car insurance helps pay for injuries or damages you cause to others in an accident. It typically includes bodily injury liability, which covers medical expenses and lost wages, and property damage liability, which covers repairs or replacement of damaged property.
What does comprehensive coverage include?
Comprehensive coverage in car insurance helps pay for damages to your vehicle that are not caused by a collision. It typically covers theft, vandalism, fire, natural disasters, falling objects, and collisions with animals.
What does collision coverage include?
Collision coverage in car insurance helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault. It covers repairs or replacement of your vehicle.
Is full coverage car insurance required?
Full coverage car insurance is not legally required, but it may be required by your lender if you have a car loan or lease. Additionally, it is often recommended for newer or more valuable vehicles to provide comprehensive protection.
Are there any limitations to full coverage car insurance?
While full coverage car insurance provides extensive protection, it may still have limitations. These can include deductibles, coverage limits, and exclusions for certain types of damages or incidents. It’s important to carefully review your policy to understand its specific limitations.
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Tim Bain
Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.