Full Coverage Car Insurance

Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Is Full Coverage Car Insurance?

what is full coverage insuranceFull coverage car insurance can mean different things depending on the driver. Generally, a full coverage auto insurance policy meets state requirements for liability insurance and includes comprehensive and collision coverage. However, you can have higher liability limits than your state requirements. You can also include a combination of optional seguro para autos coverages that offer more protection while you’re on the road.
Every driver is different and has unique needs. Requirements also vary by state. You can work with a agente de seguros local o contact one of our specialists to get the right combination of coverages to create your own full coverage car insurance policy for you and your family. You can also get a cotización de seguro para autos online from us.

What Does Full Coverage Insurance Cover?

Full coverage car insurance is actually a combination of different types of car insurance coverage. Full coverage car insurance can include:

Underinsured and Uninsured Motorist Coverage

If you get into a car accident with a driver who doesn’t have insurance or enough 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 coverages that make up underinsured and uninsured motorist insurance:

Reembolso por Alquiler de Auto

Rental car reimbursement coverage can pay your costs to drive a rental car while your vehicle gets repaired following a covered accident. This is an optional coverage, but some drivers find it valuable.
Más información sobre rental car reimbursement insurance.

Cobertura de gastos médicos

This 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.
Más información sobre medical payments coverage and find out what coverage limits to add to be sure you have full coverage auto insurance.

Personal Injury Protection (PIP)

Also known as no-fault insurance, PIP helps pay treatment costs and other expenses, like childcare, if you’re healing from a covered accident. Be aware that PIP isn’t available in every state. 
Más información sobre personal injury protection coverage.

Cobertura de responsabilidad

full coverage insuranceMost states have requirements for the minimum amount of liability coverage drivers need to carry. This insurance can help cover property damage or bodily injuries.
Seguro contra terceros por lesiones corporales helps pay for another person’s medical bills if you’re at fault for an accident.
Seguro de responsabilidad por daño a la propiedad helps cover the costs of property damaged in an accident that you’re found at fault for. Make sure you have the state mandated amount of both types of liability coverage.

Comprehensive Coverage

With comprehensive insurance, your auto policy can help pay to fix your car if it’s damaged from:
  • Robo
  • Vandalismo
  • Collision with an animal
  • Natural disasters
Más información sobre comprehensive coverage that can help pay for physical damage to your car.

Cobertura contra colisión

With collision coverage, your policy can help 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.
Más información sobre collision coverage.

Roadside Assistance

If your car breaks down, and you’re stranded on the side of the road, emergency roadside assistance coverage can help. With this insurance, 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. 
Learn more about emergency roadside assistance coverage.

Cobertura de cristales completos

Rocks, tree branches and hail can damage your windshield, and you may need to repair or replace it. In some states, full glass coverage is included with your comprehensive coverage. However, in other states, you may have to pay an additional fee for seguro para cristales de automóviles. With full glass coverage, you won’t have to pay a deductible to repair or replace your damaged auto glass.

How Much Is Full Coverage Car Insurance?

According to the Insurance Information Institute, the average cost for full coverage car insurance in the U.S. in 2017, which included liability, comprehensive and collision coverages, was $1,004.
However, full coverage insurance can vary by state. Each state has its own car insurance laws and minimum coverage requirements, which will impact insurance rates. The more coverages you add to your auto policy, the more insurance costs will increase.
It’s important to not only consider cost when you’re looking for car insurance. A car insurance policy with a lower rate may not offer you enough coverage. While full coverage car insurance is typically more expensive than buying the minimum state required liability coverage, it can give you peace of mind and save you money in the long run.

Get a Full Coverage Auto Insurance Quote

If you’re looking for full coverage auto insurance quotes, The Hartford can help. We’re an experienced insurance company, offering a broad range of auto coverages that can help keep you and your loved ones safe on the road. Our specialists regularly receive high customer service ratings and are ready to help you every step of the way, starting with car insurance quotes.
Llame al 888-546-9099 to get a full coverage auto insurance quote today and learn more about how the AARP® Auto Insurance Program from The Hartford1 can help protect you and your family.

Frequently Asked Questions About Full Coverage Car Insurance

full coverage car insuranceHow Much Does Full Coverage Insurance Cover?

There’s not one answer to how much full coverage insurance covers, because each policy differs. Your policy will include the minimum bodily injury and property damage liability coverages required in your state. You can increase this coverage if you want more protection. When you add optional coverages to your policy, you’ll choose the coverage amounts you want. 

Benefits of Full Coverage Auto Insurance

With full coverage auto insurance, you’ll have more 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 the right insurance or enough coverage, you may have to pay for property damage or bodily injury claims out of pocket.

Should I Add Optional Car Insurance Coverages?

Each driver has unique needs. While you don’t have to add every optional type of car insurance to your policy, the more coverages you add, the more protection you’ll have on the road.
You can work with our specialists to get the right combination of coverages that make sense for you and your family.
Última actualización: 22 de septiembre de 2023
Divulgaciones adicionales a continuación.
seguro para cristales de automóviles

Insurance Illustrated – Glass Coverage

Obtenga más información sobre la cobertura de cristales del automóvil en este video.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.