Full Coverage Car Insurance

Full coverage car insurance refers to a policy that meets any liability requirements in your state and includes both comprehensive and collision coverage. While full coverage car insurance offers at least the bare minimum, you may want more protection on the road for peace of mind.
Author:
Lily DiGregorio
Lily DiGregorio,Staff copywriter
Lily DiGregorio
Staff copywriter specializing in auto and home insurance for The Hartford.
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
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Updated: 06/09/2025
Read Time: 5 minutes
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Key Takeaways

  • Full coverage car insurance includes enough coverage to meet any state or lender requirements, but it can be wise to have more protection than just what’s minimally needed.
  • At The Hartford, you can customize your coverage options and add extra benefits to your policy to fully safeguard yourself, your car and your passengers.
  • While the cost of full coverage auto insurance will vary based on many factors, The Hartford’s customers pay between $121 and $162 a month. †

What Is Full Coverage Car Insurance?

Generally, a full coverage auto insurance policy includes comprehensive and collision coverage and meets state requirements for liability insurance. However, many drivers choose limits that are higher than what’s required by the state, opting to include additional car insurance coverages and benefits in order to increase their level of financial protection. The Hartford has created a car insurance calculator to help you determine your coverage amounts based on your location and insurance goals.
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Why Do We Ask This?
States have requirements for how much car insurance coverage drivers must have. The minimum required amount can vary for bodily injury liability, property damage liability and uninsured and underinsured motorist coverage.
Why Do We Ask This?
If you lease or finance your car, the lender or leasing company typically has coverage requirements and may have to be named on the policy.
When It Comes To Insurance, What Matters Most?

Why Do We Ask This?
Everyone has different needs for car insurance. If you want to pay less for coverage, you'll have higher out-of-pocket costs with a claim. If you want the most protection, you'll pay more for coverage but have lower out-of-pocket costs with a claim.

What Does Full Coverage Insurance Cover?

Full coverage car insurance is a combination of different types of car insurance coverage, all working together to decrease your financial risk if an accident occurs. Coverages include:
 

Liability Coverage

Bodily injury liability insurance helps pay for another person’s medical bills if you’re at fault for an accident. Property damage liability insurance helps cover the costs of damages in an accident that you’re found at fault for. Most states have requirements for the minimum amount of liability coverage drivers need to carry. At The Hartford, we make sure your policy has at least the required amount where you live, making it easy to get full coverage automobile insurance.
 

Comprehensive Coverage

Comprehensive coverage helps pay to fix your car if it’s damaged from:
 
  •  Theft
  •  Vandalism
  •  Collision with an animal
  •  Natural disasters

Collision Coverage

Collision coverage helps pay for damages to your car if you hit another vehicle or object. For example, if you hit a tree while driving, this coverage can help pay your repair costs.
Tip:
Having full auto insurance coverage, including comprehensive and collision coverage, is usually required by your lender if you’re shopping for insurance for a new car.
 

Underinsured and Uninsured Motorist Coverage

If you get into a car accident with a driver who doesn’t have insurance or who lacks sufficient coverage, it could leave you at risk of paying for damages out of your pocket. Even if your state mandates car insurance for drivers, there’s still a chance of getting into an accident with underinsured motorists. There are three auto insurance coverages that make up underinsured and uninsured motorist insurance:
 

Medical Payments Coverage

Medical payments coverage can help pay for medical care for you and your passengers if you’re hurt in a car accident. It can also help cover funeral costs if someone loses their life. Medical payments coverage even helps pay expenses if you’re hit by a car when walking, making it an important part of any full coverage vehicle insurance policy.2
 

Personal Injury Protection (PIP)

Also known as no-fault insurance, personal injury protection coverage (PIP) helps pay treatment costs and other expenses, like childcare, if you’re healing from a covered accident. However, it’s important to know that PIP isn’t available in every state.
 

Additional Full Coverage Insurance Coverages and Benefits

With AARP® Auto Insurance from The Hartford,1 you can take advantage of additional policy offerings designed to help keep you safe, including:
 

Rental Car Reimbursement

Rental car reimbursement insurance coverage helps pay costs to drive a rental car while your vehicle gets repaired following a covered accident.
 

Roadside Assistance

If your car breaks down and you’re stranded on the side of the road, roadside assistance coverage can help. You’ll have access to a network of 40,000 towing services across the country, available to call 24/7. Be aware, you’ll need comprehensive insurance to add this coverage to your auto policy.
 

Full Glass Coverage

Rocks, tree branches and hail can easily damage your windshield, and you may need to repair or replace it. With full auto glass insurance coverage, you won’t have to pay a deductible to repair or replace your damaged auto glass. In some states, this coverage is included with your comprehensive coverage. However, you may have to add additional auto glass coverage to your policy in other states.
car covered by full coverage insurance

How Much Is Full Coverage Car Insurance?

On average, The Hartford’s customers pay between $121 and $162 a month for full coverage car insurance.†
It’s important to remember that a basic full coverage auto insurance can vary by state, which may impact insurance costs. While more coverages may increase the price of your car insurance, they will also provide more protection against out-of-pocket costs after an accident. This can give you peace of mind on the road and save you money in the long run.
At The Hartford, your full coverage insurance comes with car insurance discounts and benefits, like savings of up to 10% just for being an AARP member.†
 

Get a Full Coverage Auto Insurance Quote

At The Hartford, we know every driver is different and has unique needs. That’s why AARP Auto Insurance from The Hartford comes with customizable coverage options, so you can create a personalized full coverage car insurance policy that helps to fully protect you from unexpected expenses.  Contact The Hartford today at 888-546-9099 or get a car insurance quote online to start taking advantage of quality coverage.

Frequently Asked Questions About Full Coverage Car Insurance

There’s not one answer to how much full coverage insurance covers, because each policy differs. At a minimum, your policy will include the required amounts by your state or lender, if you have a loan or lease on your car. You can always increase your limits or add additional coverages or benefits to extend your protection.
With full coverage auto insurance and robust coverage options, you’ll have more financial protection on the road compared to a policy that only has the minimum required coverage amounts. If you get into an accident and don’t have enough coverage, you’ll have to pay the difference, which can be thousands of dollars.
Each driver has unique needs for their auto insurance. Full coverage options from The Hartford can be customized to best fit your lifestyle. While you don’t have to add every optional type of car insurance coverage to your policy, the more you add, the more protection you’ll have on the road.

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2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.