How Much Is Full Coverage Car Insurance & What Does It Cover?


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ByMark Fitzpatrick
Edited byAmy Wilder
ByMark Fitzpatrick
Edited byAmy Wilder

Updated: May 20, 2024

Advertising & Editorial Disclosure

The cost of full coverage car insurance varies, depending on different factors. On average, it costs $1,330 per year for a 40-year-old male driver with a clean driving record and good credit.

Full coverage car insurance provides protection for various scenarios. It’s a policy that meets the state minimum liability insurance requirement. Additionally, it includes comprehensive insurance that can cover theft and damages due to non-collision causes and collision coverage that pays damages to the car due to road accidents.

Table of Contents

Full coverage car insurance is a good option for people looking for protection against most scenarios, including collision and non-collision damages. Given the wider coverage, this type of policy tends to cost more.

Key Takeaways

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Full coverage car insurance includes multiple coverage types, usually liability insurance with comprehensive and collision insurance.

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Various factors affect the cost of full coverage car insurance. Providers consider location, age, driving record, credit score and other individualized factors when calculating premiums.

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The average full coverage insurance price is $1,330 for a 40-year-old male driver with a clean driving record and good credit.

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How Much Is Full Coverage Car Insurance by State?

The average full coverage insurance price is $1,330 per year for an average driver. Different factors affect actual rates, including state traffic statistics.

For instance, the average annual cost of a full coverage policy in Maine is $607. Meanwhile, a similar policy costs $4,333 in Michigan.

Average Full Coverage Insurance Cost per Year by State
State
Full Coverage Cost

Alabama

$1,221

Alaska

$984

Arizona

$1,284

Arkansas

$1,189

California

$1,429

Colorado

$1,450

Connecticut

$1,442

Delaware

$1,483

District of Columbia

$1,202

Florida

$2,208

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Car insurance rates may be more expensive in some states than in others. That’s because of factors like highway density, the number of uninsured motorists, population density and theft rates. Living in a no-fault auto insurance state also has an impact on the cost of car insurance.

How Much Is Full Coverage Insurance by Age?

Age is one of the biggest factors affecting the cost of full coverage car insurance. Generally, young drivers under the age of 25 tend to have more expensive premiums because of having little driving experience. On the other hand, individuals over 75 are more expensive to insure because they are considered more likely to get into accidents.

The table below shows the average full coverage insurance price by age.

Average Full Coverage Insurance Cost per Year by Age in Different States
State
16-Year-Old
25-Year-Old
40-Year-Old
50-Year-Old

AK

$3,011

$1,214

$984

$924

AL

$3,060

$1,314

$1,221

$1,087

AR

$3,121

$1,212

$1,189

$1,008

AZ

$3,231

$1,207

$1,284

$1,040

CA

$4,187

$1,739

$1,429

$1,320

CO

$3,819

$1,493

$1,450

$1,280

CT

$3,471

$1,429

$1,442

$1,244

DC

$3,621

$1,413

$1,202

$1,223

DE

$3,801

$1,655

$1,483

$1,482

FL

$4,913

$2,215

$2,208

$1,949

How Much Is Full Coverage Insurance by Driving Record?

Driving record plays an important role in determining car insurance costs. A person with a clean record pays an average of $1,330 per year for a full coverage policy. Having a speeding ticket increases the average cost to $1,677.

Individuals involved in an at-fault accident spend an average of $2,012 per year for full coverage car insurance. Having a DUI will increase the average rate to $2,440.

The table below shows how much full coverage car insurance costs based on your driving record.

Average Full Coverage Insurance Cost per Year by Driving Record in Different States
State
No Violations
Speeding Ticket
Accident
DUI

AK

$984

$1,144

$1,437

$1,478

AL

$1,221

$1,483

$1,635

$2,064

AR

$1,189

$1,598

$1,876

$2,133

AZ

$1,284

$1,583

$1,869

$1,898

CA

$1,429

$2,057

$2,463

$4,075

CO

$1,450

$1,701

$2,080

$2,187

CT

$1,442

$1,809

$2,202

$2,809

DC

$1,202

$1,385

$1,633

$1,767

DE

$1,483

$1,749

$2,045

$2,591

FL

$2,208

$2,902

$3,246

$3,763

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Aside from an increase in car insurance premiums, drivers convicted of a DUI also need an SR-22 or an FR-44. This is a form that your insurer must file to prove that you meet the state minimum liability car insurance requirements.

How Much Is Full Coverage Insurance by Credit Score?

Insurance providers also consider credit scores when determining how much a policy will cost. Generally, drivers with bad credit pay 48% more than the average annual cost of auto insurance. Some states like California, Hawaii and Massachusetts don’t include credit scores when calculating insurance rates.

The table below shows how credit scores affect full coverage car insurance costs.

Average Full Coverage Insurance Cost per Year by Credit Score in Different States
State
Excellent
Fair
Poor

AK

$860

$1,108

$1,412

AL

$973

$1,464

$2,138

AR

$958

$1,488

$2,144

AZ

$988

$1,545

$2,495

CA

N/A

N/A

N/A

CO

$1,211

$1,781

$2,515

CT

$1,221

$1,782

$2,511

DC

$1,011

$1,428

$2,107

DE

$1,269

$1,989

$2,959

FL

$1,644

$2,648

$4,194

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Full coverage car insurance includes liability coverage along with collision and comprehensive insurance.

What Is Full Coverage Car Insurance?

Before looking for a full coverage car insurance policy, it’s important to note that this isn’t a specific type of auto insurance. It’s a combination of different types of insurance.

In most cases, a full coverage policy is a combination of liability coverage along with collision and comprehensive insurance.

Definition of Collision & Comprehensive Insurance

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Collision insurance:
  • Collision insurance covers damages due to a collision with another vehicle or fixed structure, such as a lamp post, tree or telephone pole.
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Comprehensive insurance:
  • Comprehensive insurance covers damages from non-collision events and those that are outside of your control, such as weather, vandalism, theft or animal-related accidents.

Full Coverage Car Insurance Add-Ons

The annual cost of your policy will depend on the coverage types you include. The cheapest full coverage car insurance only covers liability, comprehensive, and collision damages. You can opt to add other types of insurance to fully protect your vehicle. Below are some of them.

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    Personal Insurance Protection

    Personal insurance protection (PIP) covers medical expenses for injuries you or your passengers sustain in the event of an accident, regardless of who’s at fault. PIP is required in several states

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    Uninsured & Underinsured Motorist Coverage

    This type of coverage pays for the repair of your vehicle or medical expenses due to injuries caused by an individual who is either not insured or doesn’t have enough coverage. Uninsured or underinsured motorist coverage is required in 20 states and the District of Columbia.

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    Emergency Roadside Assistance

    Liability, comprehensive and collision coverage usually don’t include roadside assistance, but insurance companies may offer this coverage as an add-on to cover car breakdowns.

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    Custom Parts Insurance

    Standard auto insurance policies typically don’t cover modifications to a vehicle. Getting custom parts insurance may be necessary if you want to have coverage for the repair or replacement of your customizations.

Should You Get Full Coverage Insurance?

If you’re concerned about protecting the value of your car, you may want to consider full coverage car insurance. This is especially beneficial if your car is new. If the vehicle is too valuable and you can’t afford to pay for repairs out-of-pocket, a full coverage policy may be right for you.

That said, there are cases when certain coverages may no longer be a good idea. For instance, you may want to drop collision and comprehensive coverage if the insurance premiums are more than 10% of the car’s value.

Frequently Asked Questions

The best type of coverage depends on your specific needs and circumstances. Understanding full coverage can help you make an informed decision. Here are some frequently asked questions on the topic.

What is full coverage car insurance?
How much is full coverage insurance in my state?
Should I get full coverage car insurance?

About Mark Fitzpatrick


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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.