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Full coverage car insurance gives you complete protection in an accident. It includes comprehensive, collision, bodily injury  and property damage liability insurance and more.

You can use Insure.com’s online calculator to determine how much full-coverage car insurance would cost you annually. 

Full coverage car insurance calculator

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A good driver means:

• Have no accidents or violations in the last 3 years.
• Don"t have a DUI.
• Don"t need an SR22.

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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 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.

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.

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 coverage car insurance 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.

Nupur Gambhir

Managing Editor

 

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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.