policies include your state’s minimum car insurance requirements, plus comprehensive and collision insurance. Opting for full coverage also opens up the opportunity to include a variety of optional add-ons.

Here’s what Progressive’s full-coverage policies include

Since “full coverage” doesn’t have a precise definition in the insurance world, you won’t see an option to purchase it on Progressive’s website. Instead, you’ll have the option to build what agents and consumers refer to as a

full coverage auto policy

, which typically includes:

Bodily injury liability coverage

to pay for others’ medical bills and medical expenses following an accident you cause.

Property damage liability coverage

to pay for damages you cause in an at-fault accident.

Collision coverage

to pay for repairs if your car sustains damage in a collision, regardless of fault. With Progressive, collision coverage automatically includes pet injury coverage to help pay for veterinary bills if your fur baby is injured as a result of a covered loss.

Comprehensive coverage

to pay for repairs if your car is stolen or damaged in a non-collision event, like severe weather.

Deductible Saving Bank®, which sets aside funds to cover collision and comprehensive car insurance deductibles for each violation-free and auto insurance claim-free six-month policy period.

If your state requires it, your full coverage policy with Progressive will also include things like

medical payments coverage (MedPay)

personal injury protection (PIP)

, and

uninsured/underinsured motorist coverage

“Collision insurance repairs your car if it's damaged in a collision with another vehicle or object. Car accidents are usually when collision coverage is involved. Comprehensive insurance covers damage from theft, fire, vandalism, natural disaster, whereas liability for injuries.”

Learn more:

The different types of car insurance

What isn’t included in a Progressive full-coverage policy?

No insurance policy, no matter how robust, can cover all instances of potential loss.1 But to get as close as possible, Progressive offers a variety of optional coverages to help close car insurance coverage gaps.

Add-ons for a full-coverage Progressive car insurance policy

Loan/lease payoff (similar to gap insurance

) to cover the difference between what you owe on a financed or leased vehicle and its actual cash value if the car is stolen or declared a total loss.

Rental car reimbursement

to pay for a rental car if your vehicle is rendered inoperable due to a covered loss.

Auto roadside assistance

to pay for towing expenses and other emergency services if you have a breakdown or flat tire.

Trip interruption to help cover costs for hotels and meals if your car breaks down more than 100 miles from home.

Custom parts and equipment value (CPE) coverage to offer financial protection for any upgrades or modifications you might make to your vehicle.

Rideshare coverage

to offer protection if you drive for companies like Uber or Lyft.

Learn more:

How much car insurance do you need?

Progressive full-coverage policies cost around $1,600 annually

Progressive reports average costs for their liability-only policies range from $81 to $146 per month.2 While the calculated average for full coverage comes in around $1,600 per year or $134 per month, what you pay for Progressive full coverage will depend on a number of factors, including:

The liability limits, deductibles, and optional add-ons you select

Your driving record

Your vehicle(s)

Your zip code

Your credit score

(except in California, Massachusetts, Hawaii, and Michigan)

Does Progressive offer the best full-coverage insurance?

Choosing the best car insurance company for full coverage insurance depends on a lot more than just cost, so let’s see how Progressive stacks up to some key competitors when it comes to coverage types available:

Coverage	Progressive	GEICO	Allstate
Liability coverage	Yes	Yes	Yes
Collision coverage	Yes	Yes	Yes
Comprehensive coverage	Yes	Yes	Yes
Uninsured/underinsured motorist coverage	Yes	Yes	Yes
Personal injury protection (PIP)	Yes	Yes	Yes
Medical payments (MedPay)	Yes	Yes	Yes
Roadside assistance	Yes	Yes	Yes
Rental reimbursement coverage	Yes	Yes	Yes
Mechanical breakdown insurance	Yes	Yes	-
Loan/lease payoff	Yes	-	-
Trip interruption	Yes	-	-
Custom parts and equipment	Yes	-	Yes
Rideshare coverage	Yes	-	Yes
Pet injury coverage	Yes	-	Yes

If all that matters in your search is coverage option, Progressive is the clear winner here. But to see which provider will offer you both the right coverage and the best rate, follow these steps to use the

Jerry

app to compare quotes.

Step 1: Shop around for car insurance quotes

You can use the Jerry app to build a profile for you and your used vehicle.

Step 2: Choose your coverage levels

Jerry will automatically include quotes with your state’s minimum insurance requirements but you can use the app to change your liability limits, adjust deductible amounts, and even select additional coverage options like roadside assistance.

Step 3: Activate your policy

Once you’ve found the rate you like best, you can activate your policy and select your start date right in the app. Many providers even offer same-day auto insurance coverage.

Compare car insurance quotes now

Learn more:

The best car insurance companies of 2023

Is a Progressive full coverage auto insurance policy worth it?

The peace of mind provided by full coverage is worth the added expense for most drivers, and Progressive offers some of the lowest rates on average for full coverage auto insurance, especially if you qualify for any of the wide array of available

car insurance discounts

Keep in mind: If you finance or lease your vehicle, your lender will require you to purchase and maintain a full-coverage policy for the duration of your car loan or lease.

“Used this app to shop for new insurance after my last one unexpectedly decided to raise the premium. Got a quote from Progressive and the application process was seamless. Will definitely be using this app for all coverage needs.” - Marjorie S.

FAQs

What is included in full coverage?

“Full coverage” isn’t an industry term so there’s no standard formula for what it will look like. For most agents and consumers, a “full coverage” policy includes state-mandated liability coverages in addition to physical damage protections for the policyholder’s vehicle.

What is the cheapest full-coverage car insurance?

Despite what you may read elsewhere, no one carrier offers the cheapest full coverage car insurance for everyone. Insurance rates are highly personalized, so a provider may be able to quote low premiums for one customer while the next only qualifies for more expensive coverage.

With that in mind, insurers that tend to quote the lowest full-coverage rates for most applicants include GEICO, State Farm, Travelers, and Progressive. To find out who can offer the cheapest rates for you, use the Jerry app to compare quotes from multiple providers.

Does Progressive full coverage cover other drivers?

Like most car insurance policies, a Progressive full-coverage policy will cover any driver who has permission to drive your car and who is not named as an excluded driver on your policy.

Why is full coverage insurance so high?

Full-coverage policies are more expensive than liability-only policies because insurers take on more risk with full-coverage. The provider promises to pay not only for injuries and damages to other parties but also for physical damage to your vehicle—higher risk equals higher rates.

What is the difference between full coverage and liability insurance?

Full coverage insurance provides physical damage protection in the form of comprehensive insurance and collision insurance for the policyholder’s car. Liability insurance pays for bodily injuries and property damages for others if you cause an accident.

How much does full coverage insurance cost?

Full coverage car insurance costs drivers an average of $1,712 per year. That’s more expensive than state minimum coverage, but it’s well worth it for most drivers.

What are the different types of full coverage insurance?

Technically, “full coverage insurance” doesn’t exist. What most of us describe as a full-coverage policy is actually a combination of liability and physical damage coverages purchased by a single policyholder—these include bodily injury and property damage liability and collision and comprehensive coverage.

What is the best full coverage insurance company?

Just as no one provider offers the cheapest rates for all drivers, no one insurance company offers the best full coverage for all motorists. To determine which provider is the best for you, use the Jerry app to compare quotes from dozens of top-rated companies.

Can you get full coverage on a rebuilt title with Progressive?

Progressive does not typically offer full coverage for rebuilt title vehicles. A more common option is liability-only coverage or liability with comprehensive coverage. To see if your vehicle may qualify for a full coverage policy with Progressive, call 1-888-671-4405 to speak with a representative.

Does Progressive full coverage cover towing?

Auto roadside assistance, an optional add-on with a Progressive full-coverage policy, includes coverage for towing in the event of a roadside emergency.

SOURCES

https://www.insurancebusinessmag.com/us/guides/what-does-full-coverage-car-insurance-cover-459481.aspx

https://www.progressive.com/answers/average-car-insurance-cost/