How Much Does Full Coverage Car Insurance Cost?

Full coverage car insurance costs $133 per month or $1,597 per year, on average nationwide. The annual cost difference between the lowest coverage tier (50/100/50 with $500 deductible) and the highest tier (300/500/300 with $1,500 deductible) is $612. MoneyGeek's average cost of car insurance guide covers how full coverage compares to other coverage types so you can see how your rate stacks up.

Vermont is the cheapest state at $75 per month ($897 per year), $582 below the national average. Louisiana is the most expensive at $247 per month ($2,961 per year), $1,482 above the national average. The annual cost difference between the cheapest and most expensive state is $2,064 for the same driver profile and coverage level. Our average car insurance rates by state guide shows where every state ranks so you can see how yours compares.

Vermont and Louisiana represent the floor and ceiling of state-level full coverage costs, a $2,064 annual gap for identical coverage on the same driver profile. Where you live affects your rate more than your insurer choice at the extremes of this range.

Young drivers pay $323 per month or $3,878 per year for full coverage car insurance. Adult drivers pay $136 per month, which is 58% less than young drivers. At $167 per month, senior drivers pay 23% more than adult drivers. MoneyGeek's car insurance rates by age guide lists the cheapest options for each age group, including teen drivers.

A DUI raises your full coverage rate to $244 per month or $2,925 per year. An at-fault accident raises it to $191 per month or $2,297 per year. MoneyGeek's high-risk car insurance guide covers which carriers stay most competitive after each violation type and what each currently charges. See how much rates go up after an accident, or if you have a DUI, you can use our guide to get the cheapest car insurance after a DUI.

Poor credit raises your full coverage rate to $245 per month or $2,940 per year. Good credit drivers pay $133 per month, $112 less per month than poor credit drivers. Excellent credit drivers pay $116 per month, an annual savings of $204 compared to good credit. MoneyGeek's bad credit car insurance guide covers which insurers weight credit most lightly and lists carriers that skip the credit check entirely.

GEICO offers the cheapest full coverage rate at $95 per month or $1,140 per year, $38 per month below the national average. Chubb is the most expensive provider at $245 per month or $2,940 per year, $1,800 more annually than GEICO. The difference is entirely insurer pricing for the same coverage and driver profile.

For young drivers, State Farm offers the lowest rate at $187 per month ($2,244 per year). For senior drivers, GEICO offers the lowest rate at $87 per month ($1,044 per year). For drivers with a DUI, Progressive offers the lowest rate at $168 per month ($2,016 per year). For drivers with poor credit, GEICO offers the lowest rate at $156 per month ($1,872 per year). MoneyGeek's car insurance for teens and car insurance for senior citizens guides cover which carriers stay cheapest as profiles change.