Insurance Quote Full Coverage

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Insurance Quote Full Coverage

Insurance Quote Full Coverage

Full Coverage Auto Insurance Quotes: A Detailed Breakdown:

Insurance full coverage is a term often used to describe an insurance policy that provides a broad range of protection for the insured. However, it is important to note that there isn’t a standard definition of full coverage across the insurance industry, and what is included in such a policy can vary depending on the type of insurance and the insurance company.

In the context of auto insurance, full coverage refers to a policy that includes both liability coverage and physical damage coverage. Liability Coverage covers bodily injury and property damage that you may cause to other people in an accident where you are at fault. It does not cover your injuries or damage to your vehicle.,

Physical Damage Coverage on the other hand includes two main components which are Collision Coverage which pays for damage to your vehicle caused by a collision with another vehicle or object, regardless of who is at fault and Comprehensive Coverage which also pays for damage to your vehicle caused by events other than collisions, such as theft, vandalism, natural disasters, or hitting an animal.

On average, full coverage car insurance costs about $147 per month with liability limits set at 50/100/50. If you are thinking about switching from a liability-only policy to a full coverage plan with $500 deductibles for collision and comprehensive, you can anticipate an increase of around $88 in your monthly insurance premium.

Read: Insurance Quote For Home

Which Company Provides The Cheapest Full Insurance Coverage

The average monthly cost for full coverage car insurance is $147 in 2024. Analysis shows that Travelers offers the most affordable full-coverage insurance at an average of $112 per month. Check out other cost-effective full coverage options below:

Travelers Full Coverage:

  • Average Monthly Cost: $112
  • Travelers’ full coverage typically costs $112 per month, covering both comprehensive and collision.

USAA Full Coverage:

  • Average Monthly Cost: $114
  • USAA’s full coverage averages $114 per month, including comprehensive and collision coverage.

Nationwide Full Coverage:

  • Average Monthly Cost: $123
  • Nationwide’s full coverage is a bit higher at an average of $123 per month.

How Much Does It Cost For A Full Insurance Coverage (AUTO)

On average, full coverage car insurance costs about $147 per month, based on liability coverage limits of 50/100/50. If you are thinking about switching from a liability-only policy to a full coverage plan with $500 deductibles for both collision and comprehensive, you can expect your monthly insurance premium to increase by approximately $88.

Even though your state might only require liability coverage, it is strongly recommended to consider more coverage options to protect both you and your valuable assets.

Average Monthly Costs for Coverage:

  • Full Coverage: $142
  • Liability Only: $59

Insurance Monthly Quote For Full Coverage By Company

Below are the monthly average rates for full coverage as provided by some companies:

  • Travelers: $112 Avg. Monthly Premium
  • USAA: $114 Avg. Monthly Premium
  • Nationwide: $123 Avg. Monthly Premium
  • GEICO: $129 Avg. Monthly Premium
  • American Family: $131 Avg. Monthly Premium
  • State Farm: $131 Avg. Monthly Premium
  • Farmers: $149 Avg. Monthly Premium
  • Progressive: $157 Avg. Monthly Premium
  • Allstate: $201 Avg. Monthly Premium

Requirements Needed To Get Car Insurance Quotes

To ensure a smooth process and the option to buy your policy immediately, it’s helpful to have the following information ready:

Driver’s License:

  • If there are other drivers in your household, you’ll need their driver’s license information as well.

Driving History and Past Insurance Claims:

  • The insurance company will inquire about any traffic violations, accidents, or car insurance claims you’ve had in the past three to five years.

Vehicle Identification Number (VIN):

  •  You can usually find the VIN on the vehicle’s driver’s side dashboard or a sticker on the driver’s side door or door jamb.
  • If you haven’t bought the vehicle yet but know which one you are getting, ask the seller for the VIN.
  • If you haven’t chosen a car yet, you can often get a quote with just the make and model of the vehicle.


  • Have the odometer reading available.
  • Desired Coverage:
  • Know which types of coverage you want and how much coverage you need.
  • If you are uncertain, consider speaking with an insurance agent for guidance.

What Factors Affect Full Coverage Insurance Quotes

Several elements influence car insurance quotes. Here are some key factors that commonly affect pricing:

Driving History:

  • Drivers with a clean record pay less than those with traffic violations or at-fault accidents. Insurance companies usually consider the last three to five years of your driving history when determining rates, depending on the state.

Vehicle Type:

  • The kind of car you drive can affect your quote. Vehicles equipped with safety features like airbags and rear backup cameras, as well as anti-theft systems, may lead to lower insurance rates.


  • Your geographical location significantly impacts rates. For example, urban drivers often have higher insurance rates due to more frequent insurance claims.

Also Read: Cheap Car Insurance Quotes Full Coverage

Driving Experience:

  • Young or inexperienced drivers, such as teenagers, generally pay more compared to those with more driving experience.

Additional Pricing Factors:

  • Insurance companies may also consider factors like gender, age, occupation, marital status, home ownership, and credit score. Some states prohibit the use of certain factors in insurance quotes; for instance, California, Hawaii, Massachusetts, and Michigan don’t allow the use of credit scores for determining car insurance rates.

Tips On How To Get Insurance Quote  for Full Coverage

You can obtain car insurance quotes through the following methods, both of which are typically free:

 By Online:

  • Many auto insurance companies provide free online quotes. You can visit multiple insurance company websites to compare quotes. For efficiency, consider using a website that offers quotes from several companies.

By Phone or In-Person:

  • Contact or visit a local insurance agent who can assist you in finding affordable car insurance options and provide a quote.

Types of Insurance Agents:

Captive Agent:

  • Works exclusively for one insurance company and can offer quotes solely from that insurer.

Independent Agent:

  • Represents multiple insurance companies and can provide quotes from various insurers.

Both methods have their advantages, and there is no restriction against reaching out to multiple insurance agents. It’s beneficial to obtain online quotes and also consult with an agent to determine the most suitable car insurance for your needs.

Knowing about Insurance Quote for Full Coverage is important if you want to protect your car, house and money. Full coverage gives you good protection, but the price and details can change depending on things like your driving record, the location of your house, the type of car you have, and the age of your house. By getting the right information and checking different quotes, you can choose the best and cheapest full coverage insurance for you. Visit the official of an Insurer for more details.

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