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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. 

Average Insurance Rates

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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.

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?

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.

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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.