The Difference Between Full Coverage and Liability-Only Auto Insurance

Auto insurance can be confusing—especially when terms like “full coverage” and “liability-only” get thrown around. Here’s what they actually mean.

Liability-Only Insurance

• Covers damages you cause to others (both people and property).

• Does not cover your own vehicle or injuries.

• Meets Idaho’s state minimum requirements.

• Best for: Older cars with little value.

Full Coverage Insurance

“Full coverage” is a nickname, not a policy type. It usually includes:

• Liability coverage (as above).

• Collision coverage (repairs your car if you hit something).

• Comprehensive coverage (repairs if your car is stolen, vandalized, or damaged by weather, fire, or animals).

• Best for: Newer cars, financed vehicles, or anyone who wants more protection.

👉 Bottom line: Liability-only may be cheaper, but it leaves your own vehicle unprotected. Full coverage provides peace of mind for most drivers. Not sure what’s right for you? Let’s review your options together.