Full Coverage by Insurance Company: How Each Carrier Defines It
"Full coverage" is not a policy you can buy; carriers use it as shorthand for a group of coverages. We checked how six national carriers explain it on their own websites. The core is the same almost everywhere, liability plus collision and comprehensive, but The General's description also includes uninsured/underinsured motorist coverage, so read each quote line by line.
Quick answer
- Usual meaning
- State-required liability plus collision and comprehensive.
- Not a product
- State Farm, GEICO, Progressive, USAA and Allstate all say it isn't an official policy or coverage type.
- The exception
- The General describes full coverage as comprehensive and collision plus uninsured or underinsured motorist coverage, on top of liability.
- Financed or leased car
- Lenders usually require collision and comprehensive.
What "full coverage" means at each carrier
| Carrier | How the carrier describes it | Worth knowing |
|---|---|---|
| State Farm | A term commonly used for a combination of coverages, typically liability, collision and comprehensive; not an official type of policy | Collision and comprehensive are typically required by lenders on financed or leased cars |
| GEICO | No official definition; typically liability, collision and comprehensive | GEICO suggests personalizing it, for example with higher liability limits or optional coverages |
| Progressive | An informal term; typically liability, comprehensive and collision, plus any coverage your state requires | Progressive stresses that no policy protects you in every situation |
| USAA | What lenders usually mean: collision, comprehensive and your state's minimum liability | USAA says you won't find a "full coverage" option when you customize a policy, and a lender may also limit your deductible |
| Allstate | Not an official insurance term; generally liability, comprehensive and collision | You won't see the term on an Allstate policy; the quote lists individual coverages |
| The General | More than liability alone: comprehensive and collision plus uninsured or underinsured motorist insurance | The General sells liability-only policies too, so check which one your quote shows |
Wording is paraphrased from each carrier's own explainer (linked in the sources below). Coverage availability and requirements vary by state.
What full coverage usually includes
- Liability (bodily injury and property damage): pays for harm you cause to others, up to your limits. Every state sets its own minimums; see state minimum car insurance requirements on our sister site.
- Collision: repairs or replaces your car after a crash with a vehicle or object, minus your deductible.
- Comprehensive: covers non-crash damage such as theft, vandalism, fire, weather or hitting an animal, minus your deductible.
- State-required extras: depending on your state, a quote may also include personal injury protection, medical payments or uninsured motorist coverage.
The difference between the two physical-damage coverages is explained in collision vs comprehensive, and the trade-off between a liability-only policy and full coverage in liability vs full coverage.
What full coverage does not mean
Progressive, GEICO and USAA each warn that "full coverage" does not mean you are covered for everything. Your deductible still applies to collision and comprehensive claims, and coverages such as rental reimbursement or roadside assistance are separate options. GEICO lists roadside assistance, rental reimbursement and mechanical breakdown insurance among the extras you can add.
Financed or leased car
If you finance or lease, your lender or leasing company usually sets the requirement. State Farm, GEICO, Progressive and USAA all say lenders typically require collision and comprehensive, and USAA adds that a lender may set a maximum deductible. Check your loan or lease agreement for the exact terms before you choose limits and deductibles.
How to compare full coverage quotes
- Use the same bodily injury and property damage liability limits on every quote.
- Match the collision deductible and the comprehensive deductible separately (deductibles explained).
- Decide whether you want uninsured/underinsured motorist coverage, and quote it the same way everywhere, since The General counts it as part of full coverage and others don't.
- Add or remove the same extras (rental, roadside) on each quote.
- Then compare prices. Our guide to carrier calculators suggests coverage levels if you are unsure, and our carrier comparison lines up carriers side by side.
Frequently asked questions
Does State Farm offer full coverage?
State Farm says "full coverage" isn't an official type of policy. It describes it as a combination that typically includes liability, collision and comprehensive, coverages State Farm sells.
Does The General offer full coverage?
Yes. The General says it offers full coverage and describes it as comprehensive and collision plus uninsured or underinsured motorist insurance, on top of liability.
Does USAA have a full coverage option?
Not as a single option. USAA says you won't find an option called full coverage when you customize a policy; lenders usually mean collision, comprehensive and your state's minimum liability.
Is full coverage required for a financed car?
Usually by the lender, not by state law. State Farm, GEICO, Progressive and USAA say lenders typically require collision and comprehensive on financed or leased cars. Check your loan or lease agreement for the exact terms.
Does full coverage cover everything?
No. Progressive, GEICO and USAA each say "full coverage" does not protect you in every situation. Deductibles still apply, and extras such as rental reimbursement or roadside assistance are separate coverages.
Compare car insurance quotes by ZIP Code
Set the same limits and deductibles, then enter your ZIP Code to compare full coverage quotes. The form continues to a partner site, not to any carrier named on this page.
Car insurance quotes
Related guides
- Liability vs full coverage
- Collision vs comprehensive
- Car insurance calculators by company
- Retrieve a saved car insurance quote
- Car insurance quotes
Sources
Checked on October 8, 2026 on each carrier's official website. Carrier pages change; the carrier's policy documents and its quote are what count.
- State Farm: What is full coverage auto insurance?
- GEICO: "Full coverage" car insurance
- Progressive: What is full coverage car insurance?
- USAA: What's full coverage car insurance?
- Allstate: What is "full coverage" car insurance?
- The General: Home page (full coverage FAQ)
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