Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Your driving record has the largest impact—a single at-fault accident can increase full coverage rates by 40–60%, while a DUI can double or triple your premium.
- The age and value of your vehicle affects collision and comprehensive costs; a $35,000 car costs significantly more to insure than a $12,000 car since potential payouts are higher.
- Your deductible choice directly impacts premium—selecting a $1,000 deductible instead of $500 can reduce your collision and comprehensive costs by 15–30%.
- Credit-based insurance scores affect rates in most states, with drivers who have poor credit paying 50–100% more than those with excellent credit for identical coverage.
- Location matters significantly; urban areas with higher theft and accident rates can cost 30–80% more than rural areas, and some ZIP codes are considered high-risk even within the same city.
- Coverage limits you select for liability, uninsured motorist, and medical payments all add to the total cost—choosing $100,000/$300,000 liability instead of state minimums typically adds $15–$40/mo.
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