Full coverage car insurance is a popular choice among drivers, providing a more extensive range of protections compared to basic liability coverage. However, the requirements for full coverage vary across states in the USA. Understanding these differences can help drivers make informed decisions about their insurance needs. Below is a breakdown of full coverage car insurance requirements in various states.
California
In California, full coverage typically includes liability, collision, and comprehensive insurance. While the state requires a minimum of $15,000 for bodily injury per person, $30,000 for total bodily injury, and $5,000 for property damage, many lenders and lessors mandate full coverage when financing or leasing a vehicle.
Texas
Texas requires drivers to have a minimum liability coverage of $30,000 for injury per person, $60,000 for total injuries, and $25,000 for property damage. Full coverage in Texas usually includes comprehensive and collision insurance, which protects against damage to your car from accidents, theft, or natural disasters.
New York
In New York, drivers are mandated to carry liability coverage, including $25,000 for bodily injury per person and $50,000 per accident. While full coverage isn't legally required, lenders often will require it to protect their interests in financed vehicles. This typically involves collision and comprehensive coverage.
Florida
Florida has a no-fault insurance system, which means drivers must carry Personal Injury Protection (PIP) of at least $10,000 and property damage liability of at least $10,000. While full coverage is not a requirement, it’s advisable for drivers to include collision and comprehensive coverage, especially for new or high-value vehicles.
Illinois
In Illinois, the minimum liability coverage required is $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Full coverage in Illinois generally comprises collision and comprehensive insurance to cover damages to your vehicle.
Michigan
Michigan has unique insurance laws requiring unlimited Personal Injury Protection (PIP) coverage. While liability, PIP, and property protection insurance are mandatory, full coverage—typically comprising collision and comprehensive insurance—is recommended to ensure total protection of your vehicle and finances.
Ohio
Ohio requires drivers to have a minimum liability limit of $25,000 per person for bodily injury and $50,000 per accident. While full coverage isn’t mandated, car owners are encouraged to opt for collision and comprehensive insurance to protect against various risks, such as theft and weather-related damage.
Washington
In Washington, the state mandates liability coverage of $25,000 for bodily injury per person, $50,000 for total bodily injury, and $10,000 for property damage. Full coverage that includes collision and comprehensive insurance is recommended, especially for vehicles with high market value or if the driver is leasing a vehicle.
Pennsylvania
Pennsylvania drivers have the option of selecting either full tort or limited tort coverage. However, they must have at least $15,000 in bodily injury liability and $5,000 in property damage liability. Opting for full coverage—incorporating collision and comprehensive—will provide added peace of mind when driving.
Conclusion
Determining whether to opt for full coverage car insurance depends largely on both legal requirements and personal circumstances. While laws differ across states, the additional protection that full coverage offers can be invaluable for drivers looking to safeguard their assets. Always consider factors such as vehicle value, personal risk tolerance, and budget when making insurance decisions.
