What full coverage includes
- Bodily injury and property damage liability
- Comprehensive — theft, hail, fire, vandalism, falling objects
- Collision — damage from an accident regardless of fault
- Uninsured and underinsured motorist protection where available
- Medical payments or personal injury protection by state
- Optional roadside assistance and rental reimbursement
Who reaches the lowest rates
- A clean driving record over the last three years
- Continuous prior insurance with no lapse
- A vehicle with moderate repair cost and good safety ratings
- A higher deductible, typically $1,000
- Paid-in-full or autopay billing and a multi-policy discount
Is $59 a month realistic?
It is realistic for some drivers and not for others, and we would rather be straight about that. Rates near $59 a month typically go to drivers with a clean record, continuous prior coverage, a modest vehicle and a higher deductible in a low-cost ZIP code. A young driver, a recent at-fault accident, a coverage lapse or an expensive vehicle will price higher. Running the quote takes about two minutes and shows you your number rather than an average.
Full coverage vs. liability only
Liability only pays for damage and injuries you cause to other people. It does not repair your own car. Full coverage adds comprehensive and collision, which repair or replace your vehicle after a covered loss, minus your deductible. If you finance or lease, your lender almost always requires full coverage.
Choosing limits and deductibles
- State minimum limits are the cheapest and the riskiest — one serious accident can exceed them and leave you personally exposed.
- 100/300/100 is a common balanced choice for drivers with assets to protect.
- Deductible — moving from $500 to $1,000 usually lowers the premium, but only take it if you can cover that amount out of pocket.
Ways to lower your premium
- Bundle auto with renters or homeowners insurance.
- Pay in full or enroll in autopay and paperless billing.
- Ask about telematics or safe-driver programs.
- Keep coverage continuous — even a short lapse raises rates for months.
- Re-shop at renewal; carriers change pricing in your area more often than you think.
Pricing examples on this page are illustrative. Your rate is determined by the carrier based on your verified history, vehicle and state.