What Does Full vs. Minimum Mean?
Full coverage insurance—as the name suggests—is more than what is required under state law. In addition to helping pay for the damage you cause to other drivers in an accident, full coverage also helps pays for your own losses. With full, you typically have the liability required by law (or more, if you choose) and comprehensive coverage plus collision coverage.
Collision kicks in to help pay for damage to your car in a wreck. Comprehensive helps pay for things that happen to your vehicle, from hail damage to your car being stolen.
Minimum coverage means the least amount of liability coverage you can carry while complying with state law. This includes only liability insurance, meaning in most states, it will help pay for the injuries and damages you cause others. While this minimum coverage is less expensive, you will be paying for your own damages out of pocket in an accident.