Can I add or remove coverages in the middle of my policy?
You can add or remove coverages in the middle of your policy. If you add more car insurance coverage, you could pay more for insurance. Removing coverage makes your auto insurance policy more affordable but with fewer protections. Before you add or remove coverage, see what discounts are available. Shop around and compare multiple insurance companies to find better rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Mar 23, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Mar 23, 2024
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can add or remove optional coverages during your policy
- Adding more coverage can raise your car insurance rates, while removing coverages can make your policy more affordable
- You’ll lose coverage in specific areas when removing parts of your policy
Additional insurance coverage fills in the areas that liability car insurance won’t cover. But if you think you won’t need it, you can remove it. But how?
Don’t worry, we’ll answer your car insurance questions in this article.
Our guide explains how you can add and remove additional coverage in the middle of your policy and how you can get additional coverage of property as it relates to auto insurance.
Continue reading to learn how to add or remove coverages in the middle of your policy. If you’re ready to compare multiple companies near you, enter your ZIP code in the free online quote tool above.
Can I add or remove coverages in the middle of my policy?
Yes, you can. If you decide that your car needs more coverage, you can ask your auto insurance company to add more coverage options to your policy.
Removing coverages is just as simple. Call your insurance company or agent and let them know you want to remove coverages from your car insurance policy.
You can also request a higher policy limit. However, the more coverage you have, the more expensive your car insurance rates will be.
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What are additional coverages?
Liability insurance (bodily injury and property damage liability) is essential to meeting the minimum requirements for auto insurance.
But some coverages are optional. Let’s look at some of the coverages you can get from the best insurance companies in the nation.
- Collision insurance: This coverage option pays for damage to your vehicle regardless of fault in an accident.
- Comprehensive insurance: This coverage pays for damage from events that don’t involve a collision, such as a fallen object, fire, storms, or vehicle thieves.
- Personal injury protection or PIP: This covers your personal injuries (lost wages, child care expenses, legal fees) after a car accident regardless of fault.
- Medical payments or MedPay: This is coverage that pays for your medical bills, such as x-rays, prescriptions, and specific co-pays.
- Uninsured/underinsured motorist coverage or UM/UIM: This dual coverage is mandatory in some states, and it covers injuries if you’re in an accident with a driver who doesn’t have enough coverage or is uninsured (also covers injuries from a hit-and-run driver).
- Rental car reimbursement: Your car insurance company provides a refund for the money you spend on car rentals while your vehicle is in the shop after an accident.
- Travel insurance: An auto insurance company covers your vehicle when you’re hundreds of miles away from your address.
- Mechanical breakdown insurance or MBI: This coverage pays for sudden vehicle breakdowns.
- Custom car parts insurance: This special auto insurance coverage pays for parts that aren’t from the original manufacturer.
- Gap insurance: This coverage pays for the remaining balance that you owe a finance company or lender after a total loss accident. (For more information, read our “Does GEICO offer GAP insurance?“).
- Umbrella insurance: This coverage provides general liability at policy limits of $1 million or more.
UM/UIM, PIP, and MedPay are mandatory in some states, and they’re part of your liability coverage. The other coverage options are not.
However, a driver who still makes payments on their vehicle needs full coverage. Full coverage car insurance is a combination of personal and property coverages.
How much is additional car insurance?
Additional coverage can be defined as any coverage that isn’t required. We’ll explore full coverage insurance to give you an idea of how much you’ll pay for liability and other coverages on your policy.
Full coverage auto insurance varies for each state. According to the National Association of Insurance Commissioners (NAIC), full coverage car insurance is $90 a month on average.
But insurance varies for each state. Let’s compare the average cost of auto insurance in all states in the table below. Use the search box in the upper right-hand corner to quickly find your state.
Monthly Car Insurance Rates by State
| States | Average Monthly Liability Rates | Average Monthly Collision Rates | Average Monthly Comprehensive Rates | Average Monthly Full Coverage Rates |
|---|---|---|---|---|
| Alabama | $37 | $28 | $14 | $79 |
| Alaska | $47 | $31 | $12 | $90 |
| Arizona | $48 | $25 | $16 | $89 |
| Arkansas | $36 | $29 | $17 | $82 |
| California | $45 | $36 | $8 | $88 |
| Colorado | $49 | $25 | $17 | $91 |
| Connecticut | $59 | $32 | $11 | $102 |
| Delaware | $69 | $28 | $11 | $107 |
| District of Columbia | $58 | $41 | $19 | $118 |
| Florida | $76 | $26 | $11 | $113 |
| Georgia | $55 | $30 | $14 | $98 |
| Hawaii | $39 | $27 | $9 | $75 |
| Idaho | $32 | $20 | $10 | $62 |
| Illinois | $40 | $27 | $11 | $77 |
| Indiana | $34 | $22 | $11 | $67 |
| Iowa | $27 | $19 | $16 | $62 |
| Kansas | $32 | $23 | $21 | $76 |
| Kentucky | $47 | $24 | $12 | $83 |
| Louisiana | $73 | $37 | $19 | $128 |
| Maine | $30 | $23 | $9 | $62 |
| Maryland | $55 | $31 | $13 | $100 |
| Massachusetts | $52 | $34 | $12 | $98 |
| Michigan | $72 | $37 | $13 | $121 |
| Minnesota | $39 | $20 | $16 | $76 |
| Mississippi | $41 | $29 | $18 | $88 |
| Missouri | $38 | $24 | $16 | $79 |
| Montana | $34 | $23 | $21 | $77 |
| Nebraska | $33 | $21 | $20 | $74 |
| Nevada | $64 | $27 | $10 | $100 |
| New Hampshire | $35 | $26 | $9 | $70 |
| New Jersey | $76 | $33 | $11 | $119 |
| New Mexico | $44 | $24 | $15 | $84 |
| New York | $71 | $34 | $15 | $120 |
| North Carolina | $31 | $26 | $11 | $67 |
| North Dakota | $25 | $22 | $20 | $67 |
| Ohio | $35 | $24 | $10 | $69 |
| Oklahoma | $40 | $27 | $20 | $88 |
| Oregon | $53 | $20 | $8 | $81 |
| Pennsylvania | $43 | $29 | $13 | $85 |
| Rhode Island | $68 | $36 | $11 | $116 |
| South Carolina | $50 | $24 | $16 | $89 |
| South Dakota | $26 | $19 | $24 | $69 |
| Tennessee | $37 | $27 | $13 | $77 |
| Texas | $49 | $33 | $19 | $101 |
| Utah | $45 | $23 | $10 | $78 |
| Vermont | $30 | $26 | $11 | $68 |
| Virginia | $38 | $25 | $12 | $74 |
| Washington | $53 | $24 | $9 | $86 |
| West Virginia | $43 | $28 | $18 | $88 |
| Wisconsin | $33 | $20 | $12 | $65 |
| Wyoming | $29 | $24 | $23 | $75 |
| **National Average** | $48 | $29 | $13 | $90 |
Read more: Cheap Car Insurance in Connecticut
Overall, auto insurance rates (optional and mandatory) are affordable. Full coverage insurance is the most expensive, but it provides the most coverage.
How much are additional car insurance coverages at the best companies?
Additional coverages are packed with full coverage insurance, and each auto insurance company values full coverage auto insurance differently.
Let’s examine full coverage costs at the best car insurance companies in the United States.
Car Insurance Rates by Company
| Companies | Monthly Car Insurance Rates |
|---|---|
| Allstate | $318 |
| American Family | $224 |
| Farmers | $288 |
| Geico | $179 |
| Liberty Mutual | $398 |
| Nationwide | $229 |
| Progressive | $283 |
| State Farm | $235 |
| Travelers | $287 |
| USAA | $161 |
USAA, Geico, and American Family have the cheapest car insurance rates. However, your rates may vary.
Several factors determine whether affordable auto insurance is available to you. Once you get car insurance quotes, you’ll get a clear picture of what you’ll pay per month.
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How do you save money without removing car insurance coverages?
You can save money through auto insurance discounts.
Some of your personal factors may be favorable. In other words, you’re less likely to file an insurance claim.
The best car insurance deals are connected to a clean driving record, good credit, low annual mileage, and a vehicle’s safety features.
What is the difference between removed additional coverages and coverage extensions?
Removed additional coverages are optional, but coverage extensions are generally for business property insurance.
Coverage extensions are similar to comprehensive insurance because they cover rain, hail, and other unforeseen incidents.
Additional coverages usually supplement areas where liability coverage won’t reach. You can raise your coverage limits or add other optional coverages.
Each insurance industry has its own definitions for additional coverage and coverage extensions, and coverage extensions are usually not used in auto insurance.
Adding or Removing Coverages: The Bottom Line
Adding and removing coverages can be done with one phone call to your agent or an insurance representative.
There are several reasons why you may want to add or remove auto insurance coverage.
Before you add or remove any car insurance coverage, double-check your options and see if you qualify for a discount.
Now that you know more about how to add and remove coverage, use our free online quote tool to compare multiple insurance companies near you.
Compare quotes from the top car insurance companies and save
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.