What’s the Difference Between Full Coverage and Liability‑Only Auto Insurance?

When shopping for auto insurance, one of the most important decisions you’ll make is choosing a policy that covers your needs without exceeding your budget. Often, drivers wonder if full coverage or liability-only insurance is right for them. At Calkins Insurance Agency, we help you understand your options and find the right coverage for your vehicle.

What Does Liability-Only Insurance Cover?

Liability-only insurance is the minimum coverage required by law in most states. It may help pay for injuries or property damage you cause to others in an accident. This coverage typically includes the following components:

• Bodily injury liability—May help cover medical expenses for other people if you’re at fault in an accident
• Property damage liability—May help pay for damage to someone else’s vehicle or property

Liability-only insurance does not cover damage to your own car or your own injuries. It’s often chosen by drivers with older vehicles or those looking for the lowest possible premium.

What Is Full Coverage Auto Insurance?

Full coverage typically refers to a combination of coverages that may help cover you, your liability and your vehicle. A full coverage policy usually includes options such as:

• Liability coverage—For losses you cause to others
• Collision coverage—May help pay for damage to your car after an accident, regardless of who is at fault
• Comprehensive coverage—May help cover damage from non-collision events, such as theft, vandalism, fire or weather

Cost Differences and When Each Makes Sense

Understanding the cost differences between your options can help you decide which fits your situation:

• Liability-only insurance—Generally costs less because it offers more limited coverage. It may be a good fit if your car is older or has a low market value.
• Full coverage—Costs more but offers broader coverage. It’s often recommended for newer vehicles, leased cars or if you want to know your own losses are covered.

Our Team Can Help You Decide Which Option Is Right for You

Calkins Insurance Agency can help you compare car insurance options and find a policy that fits your needs. Contact us today to speak with our team.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.