Full Coverage vs. Liability: What’s the Difference?

Choosing auto insurance isn’t just about finding the lowest monthly payment. The type of coverage you select can determine how well you’re financially protected after an accident.

What Is Liability Insurance?

Liability insurance helps cover injuries or property damage you cause to others in an at-fault accident, up to your policy limits. Most states require drivers to carry minimum liability coverage.

However, liability insurance generally doesn’t pay to repair or replace your own vehicle after an accident. Choosing only the minimum limits can also leave you responsible for costs that exceed your coverage.

What Does Full Coverage Include?

“Full coverage” isn’t one specific insurance policy. The term commonly describes a policy combining liability, collision, and comprehensive coverage.

Collision coverage can help pay for damage to your vehicle after a covered crash, while comprehensive coverage generally protects against non-collision events such as theft, vandalism, hail, fire, or falling objects. Both may include deductibles.

Which Coverage Should You Choose?

Liability-only coverage may make sense for an older, lower-value vehicle, especially if you could afford to replace it yourself. Full coverage may be worth considering for newer or valuable vehicles and is commonly required when financing or leasing.

Your vehicle’s value, budget, deductible, savings, and driving habits should all influence your decision.

Compare Your Auto Insurance Options

Don’t choose coverage based on price alone. Request an auto insurance quote today to compare liability and full coverage options and find protection that fits your needs and budget.