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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.

Average Insurance Rates

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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 premium
Alabama$1,542
Alaska$1,359
Arizona$1,617
Arkansas$1,597
California$2,115 
Colorado$1,940
Connecticut$1,750 
Delaware$2,137 
Florida$2,560 
Georgia$1,647 
Hawaii$1,306
Idaho$1,121
Illinois$1,578
Indiana$1,256 
Iowa$1,321 
Kansas$1,594
Kentucky$2,105 
Louisiana$2,546
Maine$1,116
Maryland$1,640 
Massachusetts$1,538
Michigan$2,133 
Minnesota$1,493 
Mississippi$1,606 
Missouri$2,104
Montana$1,692
Nebraska$2,018 
Nevada$2,023 
New Hampshire$1,307 
New Jersey$1,901 
New Mexico$1,505
New York$2,020
North Carolina$1,368 
North Dakota$1,419
Ohio$1,023 
Oklahoma$1,797 
Oregon$1,244 
Pennsylvania$1,445 
Rhode Island$1,845
South Carolina$1,894
South Dakota$1,581
Tennessee$1,373
Texas$1,875 
Utah$1,469 
Vermont$1,158 
Virginia$1,321
Washington$1,371 
Washington D.C.$1,858
West Virginia$1,610
Wisconsin$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.

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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.

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