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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Jan 31, 2022

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Things to Know

  • 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.
  • 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
StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage 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
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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
CompaniesMonthly 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
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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.

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