Home Car insurance Car insurance calculator Full coverage car insurance estimate calculator Full coverage car insurance estimate calculator Use our full coverage car insurance calculator to estimate the car insurance cost in your state. View Carriers Please enter valid zip Compare top carriers in your area Written by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Reviewed by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on: December 12, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When it comes to protecting your car and your wallet, full coverage car insurance offers comprehensive peace of mind. Whether you’re driving a brand-new SUV or a trusted sedan, this type of policy combines liability, collision, and comprehensive coverage to safeguard you against accidents, theft, and unexpected damages. The cost of full coverage car insurance varies widely based on factors like your age, driving record, location, and the type of vehicle you drive. Our full coverage car insurance calculator takes the guesswork out of finding the right policy for your budget. By analyzing key factors, the calculator provides a personalized estimate of how much you can expect to pay for full coverage. Armed with this information, you can confidently shop for insurance that meets your needs without overpaying. On average, full coverage tends to be more expensive than minimum liability coverage, but the added protection can be well worth the investment for many drivers. Since car insurance rates differ between insurers, shopping around and comparing quotes is essential to finding the best possible price for your coverage. Full coverage car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareWashington D.C.FloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select202320222021202020192018201720162015201420132012201120102009200820072006 State Select Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! Year 2023 Vehicle Type Luxury Car Make & Model Acura - Integra Cylinders 4 Style 2WD 4 Door Hatchback Turbo CVT State Nationwide Full Coverage $2,216/year Get Quote Get Quote Nationwide Let"s start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don"t have a DUI. Don"t need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Full coverage car insurance estimate by state Full coverage car insurance costs $1,682 a year on average, based on the profile of a 40-year-old male driver with clean driving record and good insurance score. Where you live has a big impact on your car insurance rates. To calculate full car insurance coverage rates, insurers consider how often people in your area file insurance claims, how much those claims cost, and the frequency of theft and vandalism in the area, among other factors. It’s advisable to opt for full coverage car insurance for new cars from the year 2020 or later. The below table shows full coverage car insurance rates by state. StateAverage annual premiumAlabama$1,542Alaska$1,359Arizona$1,617Arkansas$1,597California$2,115 Colorado$1,940Connecticut$1,750 Delaware$2,137 Florida$2,560 Georgia$1,647 Hawaii$1,306Idaho$1,121Illinois$1,578Indiana$1,256 Iowa$1,321 Kansas$1,594Kentucky$2,105Â Louisiana$2,546Maine$1,116Maryland$1,640 Massachusetts$1,538Michigan$2,133 Minnesota$1,493 Mississippi$1,606 Missouri$2,104Montana$1,692Nebraska$2,018 Nevada$2,023 New Hampshire$1,307 New Jersey$1,901 New Mexico$1,505New York$2,020North Carolina$1,368 North Dakota$1,419Ohio$1,023 Oklahoma$1,797 Oregon$1,244 Pennsylvania$1,445 Rhode Island$1,845South Carolina$1,894South Dakota$1,581Tennessee$1,373Texas$1,875 Utah$1,469 Vermont$1,158 Virginia$1,321Washington$1,371 Washington D.C.$1,858West Virginia$1,610Wisconsin$1,499 Wyoming$1,736 Is it worth it to get full coverage car insurance? If your car is new or has significant value, full coverage can provide crucial protection against costly repairs or replacement. Additionally, if you rely heavily on your car and would struggle to cover unexpected expenses, the added peace of mind may outweigh the higher premiums. However, for older vehicles with lower market value, the cost of full coverage might not be justifiable, as repairs could exceed the car’s worth. Carefully weighing these factors can help you decide if full coverage aligns with your needs and budget. Methodology Insure.com gathered average full coverage car insurance rates across all the states with the help of Quadrant Data Services. Rates are based on a 40-year-old male driver with a clean (no violations) and good insurance score driving a 2021 Honda Accord LX. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2024 Used car insurance costs: Most and least expensive models to insure Car insurance estimator: Use our tool to estimate your auto premiums 1/1 Nupur GambhirManaging Editor | . .Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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