Full coverage car insurance is a comprehensive policy that provides extensive protection for your vehicle, covering not only damage caused by accidents but also a range of other incidents such as theft, vandalism, and natural disasters. Unlike liability coverage, which only pays for damage you cause to others, full coverage insurance safeguards your own vehicle as well.
Choosing the right insurance provider is crucial for ensuring that you receive adequate protection and reliable service when you need it most. With numerous providers in the market, each offering various coverage options, discounts, and customer service experiences, selecting the best one can be a daunting task.
The 10 Best Full Coverage Car Insurance Providers
1. State Farm
State Farm is one of the largest and most recognizable insurance companies in the United States, renowned for its extensive network of agents and commitment to customer service. Founded in 1922, State Farm has established itself as a leader in the insurance industry, offering a wide range of insurance products, including full coverage car insurance.
Key Features:
- Extensive network of agents: State Farm boasts a vast network of local agents across the country, providing personalized assistance and support to policyholders.
- Innovative mobile app: The State Farm mobile app offers convenient access to policy information, claims filing, roadside assistance, and more, enhancing the overall customer experience.
- Multi-policy discounts: Policyholders can save money by bundling their car insurance with other State Farm insurance products, such as homeowners or renters insurance.
- Steer Clear® program: State Farm offers a program designed for young drivers to improve their driving skills and earn discounts on their premiums.
Pros:
- Personalized service through local agents
- Flexible coverage options to meet diverse needs
- Convenient online tools and mobile app for policy management
- Strong financial stability and reputation
- Quick and efficient claims processing
Cons:
- Rates may be higher compared to some competitors
- Limited availability in certain regions
- Some customers may prefer a purely online insurance experience
Coverage Options Offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection
- Uninsured/underinsured motorist coverage
- Rental reimbursement coverage
- Emergency roadside assistance
Pricing and Discounts:
- Multi-policy discount for bundling auto and home insurance
- Safe driver discount for maintaining a clean driving record
- Anti-theft device discount for vehicles equipped with theft deterrent systems
- Good student discount for young drivers with good academic records
- Drive Safe & Save program offering discounts based on safe driving habits captured through telematics
- Vehicle safety feature discounts for vehicles equipped with certain safety features
2. Erie
Erie Insurance, founded in 1925, has established itself as a trusted provider of insurance products, including full coverage car insurance. With a focus on personalized service and competitive rates, Erie aims to meet the diverse needs of its policyholders while providing peace of mind on the road.
Key Features:
- Personalized service: Erie emphasizes a customer-centric approach, offering dedicated agents who provide personalized assistance and guidance throughout the insurance process.
- Rate lock feature: Erie’s Rate Lock® feature ensures that policyholders’ premiums remain stable, even if they file a claim, providing predictability and financial security.
- Erie Auto Plus®: This optional package enhances coverage with additional benefits such as diminishing deductibles, locksmith services, and coverage for personal items damaged in a car accident.
- Pet coverage: Erie offers coverage for veterinary expenses resulting from injuries sustained by pets in a covered accident, demonstrating its commitment to comprehensive protection.
Pros:
- Exceptional customer service
- Competitive rates and stable premiums
- Personalized attention from local agents
- Additional coverage options such as pet coverage
- Rate lock feature for premium stability
Cons:
- Limited availability in select regions
- May not offer as many discounts as larger insurers
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- Rental car expense coverage
- Roadside assistance
Pricing and discounts:
- Competitive rates tailored to individual factors such as driving record and location
- Discounts available for bundling policies, safe driving, and multi-car policies
3. Travelers
Travelers Insurance, founded in 1853, is one of the oldest and most established insurance companies in the United States. With a strong focus on innovation and customer satisfaction, Travelers offers a comprehensive range of insurance products, including full coverage car insurance, to meet the evolving needs of its policyholders.
Key Features:
- Broad coverage options: Travelers provides a wide array of coverage options to suit various needs and preferences, allowing policyholders to customize their policies for optimal protection.
- IntelliDrive® program: This usage-based insurance program rewards safe driving habits with discounts on premiums, promoting safer driving behaviors among policyholders.
- Claim satisfaction guarantee: Travelers stands behind its promise of exceptional service by offering a claim satisfaction guarantee, ensuring that policyholders are satisfied with the claims process.
- Premier Roadside Assistance: Travelers’ optional roadside assistance coverage provides peace of mind on the road with services such as towing, fuel delivery, and tire changes.
Pros:
- Extensive coverage options
- Innovative usage-based insurance program
- Claim satisfaction guarantee
- Optional roadside assistance coverage
Cons:
- Rates may be higher for some drivers
- Limited availability of certain discounts in some regions
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental reimbursement coverage
- New car replacement coverage
Pricing and discounts:
- Competitive rates based on various factors including driving history and vehicle type
- Discounts available for safe driving, multi-policy bundling, and continuous coverage
4. USAA
USAA (United Services Automobile Association) is a renowned provider of insurance and financial services, primarily serving members of the military and their families. With a focus on exceptional customer service and tailored coverage options, USAA consistently ranks highly in customer satisfaction surveys and industry ratings.
Key Features:
- Specialized service for military members: USAA understands the unique needs of military members and their families, offering specialized coverage options and support tailored to their circumstances.
- Financial strength and stability: With a long-standing reputation for financial strength and stability, USAA provides peace of mind to its policyholders, ensuring that claims are paid promptly and efficiently.
- Mobile app and online tools: USAA’s mobile app and online platform offer convenient access to policy information, claims filing, roadside assistance, and other services, enhancing the overall customer experience.
- Member discounts and benefits: USAA provides various discounts and benefits to its members, including safe driving discounts, multi-policy discounts, and loyalty rewards.
Pros:
- Exceptional customer service tailored to military members’ needs
- Financial stability and reliability
- Convenient mobile app and online tools
- Member discounts and benefits
Cons:
- Limited eligibility: USAA membership is restricted to military members, veterans, and their families
- Limited availability in certain regions
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental reimbursement coverage
- Roadside assistance
Pricing and discounts:
- Competitive rates tailored to military members’ unique circumstances
- Discounts available for safe driving, multi-policy bundling, and loyalty rewards
5. Geico
Geico (Government Employees Insurance Company) is one of the largest and most recognizable insurance providers in the United States, known for its extensive advertising campaigns and competitive rates. With a focus on affordability and simplicity, Geico offers a range of insurance products, including full coverage car insurance, to meet the needs of its diverse customer base.
Key Features:
- Competitive rates: Geico is known for offering some of the most competitive rates in the industry, making it an attractive option for budget-conscious consumers.
- Online and mobile access: Geico’s user-friendly website and mobile app allow policyholders to manage their policies, file claims, and access support services with ease, enhancing the overall customer experience.
- 24/7 customer service: Geico provides around-the-clock customer service support, ensuring that policyholders can get assistance whenever they need it.
- Variety of discounts: Geico offers a wide range of discounts to help policyholders save money on their premiums, including discounts for safe driving, vehicle safety features, and multi-policy bundling.
Pros:
- Competitive rates
- User-friendly online and mobile access
- 24/7 customer service support
- Variety of discounts available
Cons:
- Limited coverage options compared to some competitors
- Claims process may not be as streamlined as with other insurers
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- Rental reimbursement coverage
- Roadside assistance
Pricing and discounts:
- Competitive rates tailored to individual factors such as driving history and location
- Discounts available for safe driving, vehicle safety features, and multi-policy bundling
6. Progressive
Progressive is a well-established insurance provider known for its innovative approach to coverage and competitive rates. With a wide range of insurance products, including full coverage car insurance, Progressive aims to simplify the insurance process while providing comprehensive protection and peace of mind to its customers.
Key Features:
- Name Your Price® tool: Progressive’s unique tool allows customers to input their budget and receive customized insurance options that fit within their price range, ensuring affordability.
- Snapshot® program: Progressive offers a usage-based insurance program that tracks driving habits through a mobile app or device, potentially leading to discounts for safe driving.
- Multi-policy bundling: Progressive offers discounts to customers who bundle multiple insurance policies, such as auto and home insurance, providing additional savings.
- 24/7 customer service: Progressive provides around-the-clock customer service support to assist policyholders with claims, questions, and policy management.
Pros:
- Innovative tools for customized coverage and pricing
- Usage-based insurance program for potential discounts
- Multi-policy bundling discounts
- 24/7 customer service support
Cons:
- Rates may vary depending on driving history and location
- Some customers may prefer more traditional coverage options
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- Roadside assistance
- Rental reimbursement coverage
Pricing and discounts:
- Competitive rates tailored to individual factors such as driving history and location
- Discounts available for safe driving, multi-policy bundling, and usage-based insurance participation
7. Allstate
Allstate is a reputable insurance provider with a long history of offering reliable coverage and exceptional customer service. With a focus on personalized protection and innovative features, Allstate aims to provide peace of mind to its policyholders through comprehensive insurance solutions.
Key Features:
- Personalized coverage options: Allstate offers a variety of coverage options that can be customized to suit individual needs and preferences, ensuring that policyholders have the protection they need.
- Drivewise® program: Allstate’s usage-based insurance program tracks driving habits and offers potential discounts for safe driving behaviors, incentivizing responsible driving.
- Claim satisfaction guarantee: Allstate stands behind its promise of exceptional service by offering a claim satisfaction guarantee, ensuring that policyholders are satisfied with the claims process.
- Digital tools and resources: Allstate provides user-friendly online tools and resources, including a mobile app, to help policyholders manage their policies, file claims, and access support services with ease.
Pros:
- Personalized coverage options
- Usage-based insurance program for potential discounts
- Claim satisfaction guarantee
- User-friendly digital tools and resources
Cons:
- Rates may be higher for some drivers compared to other insurers
- Limited availability of certain discounts in some regions
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Roadside assistance
- Rental reimbursement coverage
Pricing and discounts:
- Competitive rates based on factors such as driving history and location
- Discounts available for safe driving, multi-policy bundling, and usage-based insurance participation
8. Liberty Mutual
Liberty Mutual is a prominent insurance provider known for its comprehensive coverage options and personalized service. With a wide range of insurance products, including full coverage car insurance, Liberty Mutual aims to protect its customers’ assets and provide peace of mind on the road.
Key Features:
- Customizable coverage options: Liberty Mutual offers a variety of coverage options that can be tailored to meet individual needs and preferences, ensuring that policyholders have the protection they need.
- 24/7 claims assistance: Liberty Mutual provides around-the-clock claims assistance to help policyholders navigate the claims process and get back on the road as quickly as possible.
- Accident forgiveness: Liberty Mutual offers accident forgiveness programs that may prevent rate increases following an at-fault accident, providing added financial security for policyholders.
- New car replacement: Liberty Mutual offers new car replacement coverage, which provides reimbursement for the cost of a brand-new vehicle if the insured vehicle is totaled within the first year of ownership.
Pros:
- Customizable coverage options
- 24/7 claims assistance
- Accident forgiveness programs
- New car replacement coverage
Cons:
- Rates may be higher for some drivers compared to other insurers
- Limited availability of certain discounts in some regions
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental car reimbursement
- Roadside assistance
Pricing and discounts:
- Competitive rates based on factors such as driving history and location
- Discounts available for safe driving, multi-policy bundling, and accident-free driving records
9. Farmers
Farmers Insurance Group is a well-established insurance provider known for its comprehensive coverage options and commitment to customer service. With a wide range of insurance products, including full coverage car insurance, Farmers aims to protect its policyholders’ assets and provide peace of mind on the road.
Key Features:
- Personalized coverage options: Farmers offers a variety of coverage options that can be customized to meet individual needs and preferences, ensuring that policyholders have the protection they need.
- 24/7 claims assistance: Farmers provides around-the-clock claims assistance to help policyholders navigate the claims process and get back on the road as quickly as possible.
- Discounts for safe driving: Farmers offers discounts for policyholders who maintain a safe driving record, incentivizing responsible driving habits.
- Optional coverage enhancements: Farmers offers optional coverage enhancements, such as new car replacement and accident forgiveness, to provide additional protection and peace of mind.
Pros:
- Personalized coverage options
- 24/7 claims assistance
- Discounts for safe driving
- Optional coverage enhancements
Cons:
- Rates may be higher for some drivers compared to other insurers
- Limited availability of certain discounts in some regions
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental car reimbursement
- Roadside assistance
Pricing and discounts:
- Competitive rates based on factors such as driving history and location
- Discounts available for safe driving, multi-policy bundling, and accident-free driving records
10. American Family
American Family Insurance is a reputable insurance provider known for its comprehensive coverage options and commitment to customer satisfaction. With a wide range of insurance products, including full coverage car insurance, American Family aims to protect its policyholders’ assets and provide peace of mind on the road.
Key Features:
- Customizable coverage options: American Family offers a variety of coverage options that can be tailored to meet individual needs and preferences, ensuring that policyholders have the protection they need.
- Dedicated customer service: American Family provides personalized customer service to help policyholders understand their coverage options, navigate the claims process, and address any questions or concerns.
- Discounts for safe driving: American Family offers discounts for policyholders who maintain a safe driving record, incentivizing responsible driving habits.
- Optional coverage enhancements: American Family offers optional coverage enhancements, such as roadside assistance and rental car reimbursement, to provide additional protection and peace of mind.
Pros:
- Customizable coverage options
- Dedicated customer service
- Discounts for safe driving
- Optional coverage enhancements
Cons:
- Rates may be higher for some drivers compared to other insurers
- Limited availability of certain discounts in some regions
Coverage options offered:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Rental car reimbursement
- Roadside assistance
Pricing and discounts:
- Competitive rates based on factors such as driving history and location
- Discounts available for safe driving, multi-policy bundling, and accident-free driving records
Factors to Consider When Choosing Full Coverage Car Insurance
Coverage Options and Limits
Evaluate the range of coverage options offered by the insurance provider, including liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.
Consider the limits of each coverage type to ensure they meet your needs and provide adequate protection for your vehicle and personal assets.
Customer Service and Claims Process:
Research the insurer’s reputation for customer service, including responsiveness, efficiency in handling claims, and overall satisfaction ratings from policyholders.
Review online reviews and feedback from existing customers to gauge their experiences with the insurer’s claims process and customer support.
Financial Stability and Reputation:
Assess the financial strength and stability of the insurance company by reviewing its credit ratings and financial reports from reputable rating agencies such as A.M. Best, Standard & Poor’s, and Moody’s.
Consider the insurer’s reputation within the industry and its track record for reliability in fulfilling policy obligations and paying claims promptly.
Discounts and Additional Perks:
Inquire about available discounts offered by the insurer, such as safe driving discounts, multi-policy discounts, loyalty rewards, and discounts for vehicle safety features.
Explore any additional perks or benefits offered by the insurer, such as roadside assistance, rental car reimbursement, or accident forgiveness programs, which can add value to your policy.
Online Tools and Mobile Apps:
Evaluate the insurer’s online tools and mobile apps for policy management, claims filing, and accessing support services.
Look for user-friendly interfaces, convenience features, and functionality that align with your preferences for managing your insurance policy digitally.
Pricing and Premiums:
Request quotes from multiple insurance providers to compare pricing and premium rates for similar coverage levels.
Consider factors that may impact your premium, such as your driving history, vehicle type, location, and deductible amounts, to ensure you’re getting the best value for your coverage.
FAQs About Full Coverage Car Insurance
What is full coverage car insurance?
Full coverage car insurance typically refers to a policy that includes both liability coverage and comprehensive and collision coverage. Liability coverage protects you if you’re at fault in an accident and cause damage to other people or property. Comprehensive and collision coverage protect your own vehicle against damage from accidents, theft, vandalism, and other covered incidents.
Is full coverage car insurance required by law?
While liability insurance is typically required by law in most states, full coverage car insurance is not mandatory. However, if you have a loan or lease on your vehicle, your lender may require you to carry full coverage until the loan is paid off to protect their investment.
What does full coverage car insurance usually include?
Full coverage car insurance typically includes liability coverage, which covers damages you cause to others, as well as comprehensive and collision coverage, which cover damages to your own vehicle. It may also include additional coverage options such as medical payments coverage, uninsured/underinsured motorist coverage, and rental car reimbursement.
How much does full coverage car insurance cost?
The cost of full coverage car insurance varies depending on factors such as your age, driving record, location, the type of vehicle you drive, and the coverage limits and deductibles you choose. Generally, full coverage insurance tends to be more expensive than liability-only coverage due to the additional protection it provides.
Are there any discounts available for full coverage car insurance?
Many insurance companies offer discounts for full coverage car insurance, such as multi-policy discounts for bundling your auto insurance with other policies like homeowners or renters insurance, safe driving discounts, discounts for vehicle safety features, and loyalty rewards for long-term policyholders.
How can I lower the cost of full coverage car insurance?
You can lower the cost of full coverage car insurance by maintaining a clean driving record, choosing a higher deductible, taking advantage of available discounts, driving a vehicle with safety features, and comparing quotes from multiple insurance companies to find the best rate for your coverage needs.
Conclusion
Selecting the right full coverage car insurance is a critical decision that requires careful consideration of various factors to ensure adequate protection and peace of mind on the road. By evaluating coverage options, considering customer service and claims handling, assessing the insurer’s financial stability and reputation, exploring discounts and additional perks, and comparing pricing and premiums, you can make an informed decision that meets your needs and budget.
Full coverage car insurance provides comprehensive protection for both your vehicle and your financial well-being, offering coverage for damages from accidents, theft, vandalism, and other covered incidents. While it may involve higher premiums compared to liability-only coverage, the added protection can be invaluable in the event of an unexpected mishap.