When shopping for car insurance, one of the most common questions drivers ask is:
“Should I get full coverage?”
In 2025, as vehicle prices and insurance premiums both rise, deciding whether full coverage is worth it depends on multiple factors. This guide will break down what full coverage really means, who needs it, how much it costs, and when it may or may not be worth it.
What Is Full Coverage Car Insurance?
Full coverage is a term used to describe a combination of coverage types that go beyond your state’s legal minimums. It typically includes:
| Coverage Type | What It Covers |
|---|---|
| Liability Insurance | Injuries or property damage you cause to others |
| Collision Coverage | Damage to your vehicle from a collision |
| Comprehensive Coverage | Theft, weather, fire, vandalism, falling objects |
Some full coverage policies may also include:
- Uninsured/Underinsured Motorist Coverage
- Roadside Assistance
- Rental Reimbursement
How Much Does Full Coverage Cost in 2025?
On average, full coverage car insurance in the U.S. costs between $1,700 and $2,400 per year depending on:
- Your driving record
- State and ZIP code
- Type and value of your vehicle
- Your credit score
- Your deductible and limits
When Is Full Coverage Worth It?
✅ Yes, Consider Full Coverage If:
- You own a newer or high-value vehicle
- You’re financing or leasing — lenders usually require it
- You live in a high-risk area for theft or weather damage
- You can’t afford to pay for repairs or replacement out-of-pocket
❌ Full Coverage Might Not Be Necessary If:
- Your car is more than 8–10 years old with low market value
- You can comfortably afford to replace your vehicle if totaled
- You drive very little and store your car securely
How to Reduce the Cost of Full Coverage
Even if you need full coverage, there are ways to make it more affordable:
- Raise your deductible from $500 to $1,000 to lower premiums
- Bundle with home or renters insurance
- Drive safely to qualify for a clean-record discount
- Use telematics or pay-per-mile insurance
- Compare quotes every year — don’t auto-renew without checking!
Pro Tip:
Install anti-theft devices or park in a garage — these steps can lower your comprehensive premium.
Is Full Coverage Worth It? A Real-World Example
Let’s say your car is worth $4,000. You’re paying $900/year extra for full coverage over liability-only. If you haven’t made a claim in 3 years, you’ve already paid $2,700 — close to your vehicle’s value.
Now let’s say your car is worth $28,000. That same extra $900/year is a bargain for the peace of mind and potential replacement value.
Final Verdict
Full coverage isn’t necessary for everyone — but for the right driver, it’s a financial lifesaver.
If your car is still valuable, or you couldn’t easily pay for repairs or replacement out of pocket, full coverage is worth every penny.
