Full Coverage vs. Liability Auto Insurance in Franklin Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
When shopping for auto insurance in Franklin, Indiana, one of the biggest decisions you’ll face is whether to choose liability-only coverage or full coverage. At Wexford Insurance, we help drivers understand the difference so they can make an informed choice before requesting an auto insurance quote.
What Is Liability Auto Insurance?
Liability coverage is the minimum required by Indiana law:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage
This protects other drivers if you cause an accident, but it does not cover damage to your own vehicle. Liability-only policies are cheaper but leave you exposed to repair costs after an accident.
What Is Full Coverage Auto Insurance?
Full coverage typically includes:
Liability Coverage (required by law)
Collision Coverage – Pays for damage to your car after an accident
Comprehensive Coverage – Covers theft, fire, vandalism, and weather damage
Full coverage offers broader protection, especially for newer or financed vehicles. It’s often recommended if your car is valuable or you want peace of mind.
Which Option Is Best for Franklin Drivers?
Choose Liability Only if you drive an older car with low value and want the cheapest premium.
Choose Full Coverage if your car is newer, financed, or you want protection against unexpected costs like hail damage or theft.
Consider Franklin-specific risks: severe weather, highway traffic on I‑65, and rising repair costs—all factors that make full coverage appealing.
Ready for Your Personalised Auto Insurance Quote?
At Wexford Insurance, we compare multiple carriers to help you choose the right coverage at the best price.
