Full Coverage Car Insurance — Ohio
Full coverage car insurance combines liability, collision, and comprehensive coverage into one policy that protects both you and other drivers.
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What Is Full Coverage Car Insurance Insurance?
Full coverage car insurance is an industry term for a policy that includes liability, collision, and comprehensive coverage together. Liability pays for damage you cause to others. Collision covers your vehicle after an accident regardless of fault. Comprehensive covers non-collision damage like theft, vandalism, hail, or hitting a deer. No single policy labeled 'full coverage' exists — it's a bundled package of these three core coverage types.
Who Needs Full Coverage Car Insurance Insurance?
Full coverage makes sense if you financed or leased your vehicle, because your lender requires it until the loan is paid off. Drivers with at-fault accident history benefit because collision coverage pays for their own repairs regardless of fault.
Compare your vehicle's actual cash value to the annual cost of collision and comprehensive coverage plus your deductible. If the coverage costs more than 10 percent of your car's value per year, and you have savings equal to the car's value, liability-only coverage may be the better financial decision. If you cannot replace the car without a payout, keep full coverage.
How Much Does Full Coverage Car Insurance Insurance Cost?
- Vehicle value and age — newer and more expensive cars cost more to insure because collision and comprehensive payouts are higher.
- Driving record — at-fault accidents and speeding tickets raise collision coverage premiums more than comprehensive premiums because they predict future collision risk.
- Zip code — urban areas with higher theft and vandalism rates increase comprehensive premiums, while high-traffic areas raise collision premiums.
- Credit score — Ohio allows insurers to use credit-based insurance scores, which can raise full coverage premiums by 20 to 50 percent for drivers with poor credit.
- Annual mileage — drivers who commute long distances or drive more than 15,000 miles per year pay higher collision premiums due to increased accident exposure.
