Home Car insurance Car insurance calculator Full coverage car insurance calculator Full coverage car insurance calculator Use Insure.com’s full coverage car insurance calculator to estimate the car insurance cost in your state. 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 September 1, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Navigate insurance costs effortlessly with our Full Coverage Car Insurance Calculator – your key to precise premium estimates tailored to your needs. You can use Insure.com’s car insurance calculator to determine how much full-coverage car insurance would cost you annually. Full coverage car insurance calculator Select Year Select Year20222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select Make Vehicle Model Select Model State Select StateNationwideAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Reset Matching results for your car Filter Add Car Year Select20222021202020192018201720162015201420132012201120102009200820072006 State Select Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia 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!!! 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 2022. 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 2019 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. 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, among other factors. It’s advisable to opt for full coverage car insurance for new cars from the year 2020 or later. Car insurance rates also vary from insurer to insurer. That’s why it’s a good idea to shop around and compare rates before choosing a policy. 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? Full coverage car insurance is not required by law, but it is always worth considering if you have a newer or valuable vehicle. While the premiums for full car insurance coverage are higher than those for liability-only policies, the peace of mind that comes with knowing your vehicle is fully protected is worth the extra cost. 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 Average insurance rates for your 2022 Buying and insuring a used car: Most and least expensive models to insure in 202... 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 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? How much does car insurance cost for seniors? A complete guide to adding a teenager to your car insurance policy 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? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read actually understand your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes