Car Insurance Is full coverage insurance more expensive? View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on August 18, 2023 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. Various factors influence the cost of full coverage insurance. Let’s break down what contributes to the potential price difference and help you understand whether it’s a more expensive option. Factors affecting full coverage costs Coverage scope – Full coverage includes components like collision and comprehensive, providing broader protection. This increased coverage can lead to higher premiums compared to basic liability-only insurance. Vehicle value – The value of your car plays a significant role. Newer, more valuable vehicles typically have higher premiums due to increased replacement costs. Deductibles – Your chosen deductibles affect premiums. If you file a claim, higher deductibles often lead to lower premiums but may require more out-of-pocket expenses. Cost comparison and considerations Full coverage insures your vehicle against a wider range of risks, including non-collision incidents like theft and natural disasters. This added safeguard could justify the higher cost for many drivers. While full coverage may come with a higher price tag, weighing the added protection against your budget constraints is essential. Insurance providers often offer discounts, bundling options, and safe driving incentives that can help offset the cost of full coverage. Refer below table to know how much is full coverage car insurance in your state: State Full coverage car insurance cost Alabama$1,299Alaska$1,109Arizona$1,356Arkansas$1,370California$1,518Colorado$1,404Connecticut$1,771DC$1,723Delaware$1,646Florida$1,823Georgia$1,340Hawaii$1,458Idaho$941Illinois$1,004Indiana$964Iowa$1,015Kansas$1,242Kentucky$1,752Louisiana$2,190Maine$925Maryland$1,390Massachusetts$1,191Michigan$2,484Minnesota$1,187Mississippi$1,323Missouri$1,154Montana$1,224Nebraska$1,113Nevada$1,746New Hampshire$1,101New Jersey$1,346New Mexico$1,253New York$1,759North Carolina$960North Dakota$1,315Ohio$952Oklahoma$1,643Oregon$1,264Pennsylvania$1,522Rhode Island$1,688South Carolina$1,260South Dakota$1,059Tennessee$1,214Texas$1,300Utah$1,199Vermont$963Virginia$972Washington$1,191West Virginia$1,375Wisconsin$1,351Wyoming$1,494 Making an informed choice Deciding between full coverage and liability only involves evaluating your financial situation, vehicle value, and risk tolerance. It’s about striking a balance between comprehensive protection and affordability. Compare quotes, consult your insurance provider, and choose the coverage that best aligns with your needs and comfort level. Conclusion Full coverage insurance can be more expensive due to its broader protection. However, its benefits and peace of mind may justify the cost for many drivers. Explore your options, consider your circumstances, and make an informed decision providing the proper coverage level for your situation. 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? Used car insurance costs: Most and least expensive models to insure 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 On this page Factors affecting full coverage costsCost comparison and considerationsMaking an informed choiceConclusion Get instant quotes now ! Please enter valid zip Get Quotes