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Discover quotes from top providers including:

ProgressiveAllstateLiberty MutualFarmersDirect Auto

How It Works

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Editorial guide
Independent guidance — not affiliated with any insurance carrierReliablePolicy is an independent lead generation service that connects consumers with licensed insurance agents and carriers. The information on this page is provided for educational and comparison purposes only and does not constitute insurance, financial, or legal advice. Rate figures shown are independent market estimates based on publicly available data.
Full Coverage Quotes

Compare Full Coverage Quotes from Top Auto Insurers

Two drivers with the same car and record can receive quotes differing by hundreds of dollars. Side-by-side comparison is the only way to know you're getting the best price.

The Same Coverage Can Cost Dramatically Different Amounts

Full coverage gives you the most complete protection available for your vehicle — but the price difference between carriers for identical coverage can be dramatic. Two drivers with the same car and driving record can receive quotes that differ by hundreds of dollars per year.

Comparing full coverage quotes side by side is the only way to ensure you're getting the most protection for the least money.

Compare Full Coverage Quotes in MinutesEnter your ZIP — it takes under 2 minutes

Full Coverage Quote Factors That Affect Your Rate

FactorImpact on PremiumNotes
Vehicle age and valueHighNewer vehicles cost more to insure
Deductible amountHigh$1,000 deductible vs $500 saves 15–25%
Driving recordVery HighOne at-fault accident can raise rates 30–50%
Credit score (most states)Moderate–HighBetter credit = lower premiums
Annual mileageModerateUnder 7,500 miles/year often qualifies for discount
Garaging locationModerateUrban zip codes typically pay more

Rate impact varies by carrier and state. Some factors carry more weight at certain carriers than others.

What to know before you compare

Pros

  • Collision coverage pays for your car regardless of who caused the accident
  • Comprehensive covers non-collision damage: weather, theft, fire, animals
  • Required by lenders — protects your loan investment
  • Uninsured motorist protection keeps you covered when others aren't

Considerations

  • Costs 2–3x more than liability-only on average
  • Less cost-effective as your vehicle depreciates in value
  • Deductible reduces payout on smaller claims — sometimes not worth filing
  • Optional add-ons can inflate the quote beyond what you actually need

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Frequently asked questions

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Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, 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 the carrier or a licensed agent.