Full Coverage Auto Insurance
Full coverage isn't a single policy — it's a package combining liability, collision, and comprehensive coverage to protect both your liability and your vehicle.
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What Is Full Coverage Insurance?
Full coverage combines three separate coverages into one package: liability (required by Arizona law), collision (pays for your vehicle damage regardless of fault), and comprehensive (pays for non-collision damage like theft, hail, or vandalism). Lenders require this package when you finance or lease a vehicle because they hold the title and need assurance the asset is protected. Once you pay off the loan, the collision and comprehensive components become optional — you keep liability because Arizona mandates it, but you decide whether the physical damage coverages still justify their cost.
Who Needs Full Coverage Insurance?
Retirees still paying off a vehicle loan or lease have no choice — the lender mandates full coverage to protect their collateral interest. Drivers in monsoon-prone Tucson or theft-heavy Phoenix metro ZIP codes often find comprehensive worth keeping even on older vehicles.
Calculate your vehicle's actual cash value using Kelley Blue Book or NADA guides. Add your annual collision and comprehensive premiums. Revisit annually as the vehicle depreciates and your savings position changes.
How Much Does Full Coverage Insurance Cost?
- Vehicle age and actual cash value — premiums on a 12-year-old sedan often approach the vehicle's depreciated worth, making collision and comprehensive poor value propositions.
- Annual mileage — Arizona carriers offer substantial discounts for drivers logging under 7,500 miles per year, a threshold most non-commuting retirees meet easily.
- Garaging ZIP code — metro Phoenix and Tucson show higher comprehensive claims from theft and monsoon damage than rural Arizona counties.
