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Full coverage auto insurance combines liability protection with collision and comprehensive coverage to protect your vehicle regardless of what happens — whether you cause an accident, get hit by someone else, or your car is damaged by weather, theft, or vandalism.
It's the most complete form of auto insurance available and is required by most lenders for financed or leased vehicles. The key is finding the right carrier at the right price without overpaying for coverage you already have.
| Coverage Component | What It Covers | Required? |
|---|---|---|
| Bodily Injury Liability | Other people's injuries if you're at fault | Yes (all states) |
| Property Damage Liability | Other people's property if you're at fault | Yes (all states) |
| Collision | Your vehicle after a collision, regardless of fault | Lender required |
| Comprehensive | Theft, weather, fire, vandalism | Lender required |
| Uninsured Motorist | Accidents caused by uninsured drivers | Varies by state |
| Medical Payments / PIP | Your own medical bills after an accident | Varies by state |
ⓘ Coverage components and requirements vary by state. Confirm specifics with your carrier.
Disclaimer: RateWire is an independent lead generation and comparison service. All rate figures are market estimates from publicly available data sources. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.