Find out what these two types of car insurance cover and why you might want one over the other ...

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny ...

Scott Nyerges is a former senior editor and content strategist at U.S. News & World Report, where he led coverage of car insurance and other personal insurance lines. He's also served as a managing ...

Laura Longero is an award-winning writer and editor who has more than 15 years of editorial experience. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Car insurance rates averaged $2,297 annually in early 2026, according to Experian, or about $191 per month. For full-coverage ...

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