Full Coverage Car Insurance — West Virginia
Full coverage isn't a specific policy type — it's a common term for carrying liability, collision, and comprehensive coverage together.
Free to compare
What Is Full Coverage Car Insurance Insurance?
Full coverage combines three distinct coverage types into one policy: liability (pays for damage you cause to others), collision (pays for your vehicle damage in crashes), and comprehensive (pays for non-crash damage like theft, hail, or vandalism). Each coverage has its own deductible and limit. When you file a claim, only the relevant coverage applies — a deer strike triggers comprehensive, a fender-bender triggers collision, and injuring another driver triggers liability.
Who Needs Full Coverage Car Insurance Insurance?
Full coverage makes sense if you're financing or leasing your vehicle — lenders require it to protect their collateral. Drivers in areas with high rates of uninsured motorists, vehicle theft, or severe weather benefit from the comprehensive and collision protection that liability-only policies don't provide.
Calculate your vehicle's actual cash value using current market listings for your make, model, year, and mileage. Multiply your annual collision and comprehensive premium by three. If the premium total exceeds your vehicle's value, you'll likely pay more in premiums than you'd ever recover in a claim. Keep full coverage as long as you have a loan, or if losing your vehicle would create financial hardship you can't absorb within 30 days.
How Much Does Full Coverage Car Insurance Insurance Cost?
- Your vehicle's actual cash value — newer or more expensive vehicles cost more to insure because collision and comprehensive claims pay based on replacement cost.
- Loan or lease status — lenders require full coverage and often mandate lower deductibles, eliminating your ability to reduce premiums through higher deductibles.
- Driving record — at-fault accidents in the past three years increase collision premiums more than comprehensive premiums because they predict future collision risk.
- Garaging location within West Virginia — counties with higher theft rates or hail frequency see higher comprehensive premiums, while areas with more uninsured drivers affect collision costs.
- Annual mileage — vehicles driven over 15,000 miles per year face higher collision premiums due to increased crash exposure.
