Key Takeaways
Full coverage car insurance is a particular type of auto insurance that provides comprehensive coverage for your car. This means that it will pay for the cost of repairs or replacement if your car is damaged in a collision, stolen, or vandalized. Full coverage car insurance also typically includes liability insurance, which will pay for the costs of injuries or property damage you bring about to others in an accident.
| Property damage liability | Pays to fix cars you hit or damage you cause to other property. |
| Bodily injury liability | It covers the costs of medical care for the people you hurt. |
| Comprehensive and collision | Pays to fix your car after any accident. |
| Extras | Covers roadside help, rental car reimbursement, uninsured motorist, personal injury protection (PIP), and other add-ons you pay for. |
If you have a car loan or lease, you need full coverage car insurance. Your lender or leasing business wants to safeguard their investment if the car gets damaged or stolen.
If you drop optional coverages like collision or comprehensive, you could break the rules of your loan or lease.
The average cost of full-coverage auto insurance in the US is $129 per month (with liability coverage limits of 50/100/50), which is the same as the national average.
However, switching from a liability-only policy to a full coverage policy with a $500 collision and comprehensive deductibles will raise the average driver's monthly auto insurance rate by around $69.
| Car insurance company | Average full coverage auto insurance |
|---|---|
| Allstate | $171 |
| American Family | $120 |
| Farmers | $135 |
| Liberty Mutual | $147 |
| Nationwide | $93 |
| Progressive | $102 |
| State Farm | $111 |
| Travelers | $117 |
| USAA | $108 |
Average car insurance costs for a driver who caused an accident are $3164 per year for full coverage.
For minimum coverage, it costs $1,044 per year.
| Type of policy | Clean record | After one at-fault accident |
|---|---|---|
| Full coverage | $2,148 | $3,164 |
| Minimum coverage | $685 | $1,044 |
Most states' car insurance rates increase significantly if you have bad credit. On average, people with bad credit pay more than 61% more for car insurance than people with good credit.
Full coverage car insurance costs an average of $3455 per year for a person with bad credit. Minimum coverage costs $1118 per year.
| Type of policy | Good credit | Poor credit |
|---|---|---|
| Full coverage | $2,148 | $3,455 |
| Minimum coverage | $685 | $1,118 |
If you get found drinking and driving, your car insurance costs will increase significantly. The average increase in car insurance rates for a driver with a recent DUI was 83%. After a DUI, the average cost of full-coverage car insurance for a 35-year-old driver is $3,933 annually.
For minimum coverage, it costs $1,403 per year.
| Type of policy | Clean record | Recent DUI |
|---|---|---|
| Full coverage | $2,148 | $3,933 |
| Minimum coverage | $685 | $1,403 |
Insurance companies prefer to charge more for drivers with less experience because they see them as a bigger risk. Young drivers can be anyone between 16 and 25 years old or sometimes anyone under 30 years old. For our study, we looked at rates for drivers who are 20 years old.
Rates tend to go down after age 20, and they keep going down until age 70. Our research showed that a 20-year-old driver pays about $2,050 more in car insurance yearly than a 35-year-old driver.
| Driver profile | Full coverage | Minimum coverage |
|---|---|---|
| Clean driving record, good credit | $4,372 | $1,491 |
| One at-fault crash, good credit | $5,573 | $2,053 |
| One DUI, good credit | $6,440 | $2,689 |
| Clean driving record, poor credit | $6,460 | $2,420 |
| Company | Monthly cost |
|---|---|
| State Farm | $99 |
| Erie | $101 |
| Auto-Owners | $120 |
| Farm Bureau Insurance | $134 |
| American Family | $140 |
| Travelers | $146 |
| Progressive | $156 |
| Nationwide | $164 |
| Allstate | $195 |
| Farmers | $231 |
| USAA* | $91 |
| U.S. State | Full coverage | Minimum coverage |
|---|---|---|
| Alabama | $2,269 | $681 |
| Alaska | $1,955 | $475 |
| Arizona | $2,155 | $711 |
| Arkansas | $2,160 | $569 |
| California | $1,659 | $506 |
| Colorado | $2,698 | $636 |
| Connecticut | $2,604 | $1,070 |
| Delaware | $2,601 | $1,031 |
| Florida | $3,605 | $1,006 |
| Georgia | $2,509 | $845 |
| Hawaii | $1,631 | $492 |
| Idaho | $1,349 | $408 |
| Illinois | $1,747 | $554 |
| Indiana | $1,433 | $463 |
| Iowa | $1,596 | $328 |
| Kansas | $2,290 | $631 |
| Kentucky | $3,357 | $1,073 |
| Louisiana | $3,399 | $1,063 |
| Maine | $1,323 | $483 |
| Maryland | $2,998 | $1,136 |
| Massachusetts | $1,394 | $480 |
| Michigan | $3,229 | $1,103 |
| Minnesota | $1,931 | $701 |
| Mississippi | $1,950 | $563 |
| Missouri | $2,706 | $738 |
| Montana | $2,831 | $534 |
| Nebraska | $1,788 | $422 |
| Nevada | $3,058 | $1,147 |
| New Hampshire | $1,557 | $494 |
| New Jersey | $2,809 | $1,146 |
| New Mexico | $2,127 | $576 |
| New York | $2,600 | $1,180 |
| North Carolina | $1,487 | $565 |
| North Dakota | $1,869 | $513 |
| Ohio | $1,423 | $502 |
| Oklahoma | $2,438 | $589 |
| Oregon | $1,888 | $905 |
| Pennsylvania | $2,266 | $544 |
| Rhode Island | $3,300 | $1,272 |
| South Carolina | $2,715 | $965 |
| South Dakota | $1,593 | $318 |
| Tennessee | $1,997 | $554 |
| Texas | $2,398 | $774 |
| Utah | $2,240 | $855 |
| Vermont | $1,376 | $361 |
| Virginia | $1,922 | $682 |
| Washington | $1,759 | $617 |
| West Virginia | $2,260 | $819 |
| Wisconsin | $2,075 | $616 |
| Wyoming | $1,683 | $465 |
In a separate study, we looked at the average car insurance rates for popular cars based on sales to see how costs vary by car. The Subaru Outback is the least expensive car to insure, costing an average of $1,336 annually.
| Vehicles | Average annual insurance premium |
|---|---|
| Subaru Outback | $1,336 |
| Subaru Forester | $1,347 |
| Honda CR-V | $1,359 |
| Jeep Wrangler | $1,406 |
| Hyundai Tucson | $1,406 |
| Mazda CX-5 | $1,412 |
| Ford Escape | $1,427 |
| Honda Pilot | $1,442 |
| Chevrolet Equinox | $1,459 |
| Ford F-150 | $1,465 |
| Toyota RAV4 | $1,472 |
| Toyota Tacoma | $1,477 |
| Chevrolet Silverado 1500 | $1,524 |
| Nissan Rogue | $1,530 |
| Toyota 4Runner | $1,534 |
| Jeep Grand Cherokee | $1,543 |
| Ford Explorer | $1,570 |
| Honda Accord | $1,601 |
| Honda Civic | $1,603 |
| GMC Sierra 1500 | $1,606 |
| Toyota Highlander | $1,617 |
| Toyota Corolla | $1,623 |
| Toyota Camry | $1,641 |
| Dodge Ram 1500 | $1,641 |
| Tesla Model Y | $2,268 |
Almost every state needs you to have liability insurance. Having liability-only insurance means that if you cause an accident, you will be financially covered for any damage you do to other cars or people you hurt.
Liability insurance does not pay for your costs. Unlike Comprehensive and Collision coverage, Liability coverage usually doesn't require paying a fee before it kicks in.
A "full coverage" car insurance plan includes more than one type of coverage, including comprehensive coverage.
Remember that "full coverage" isn't a type of coverage; it's just a general term for insurance that includes coverages for Liability, Comprehensive, and Collision.
When you buy "full coverage" car insurance, Comprehensive coverage, which pays for any damage caused to your vehicle from things other than accidents, is usually included in your policy.
Knowing that full coverage doesn't mean you're fully covered against every risk is important. Review your car insurance choices carefully to determine what is and isn't covered. All plans list things that aren't covered, called "exclusions."
| Damages caused due to daily use | You'll have to pay for these damages by yourself. |
| GAP insurance | If you total a leased or financed car and owe more than it's worth, guaranteed auto protection (GAP or gap) insurance will pay off the difference. |
| Rental car reimbursement | If you are in an accident covered by your insurance and your car needs to be fixed, this policy helps pay for a rental car. |
| Roadside assistance or Towing | If you run out of gas, get locked out of your car, have a dead battery, or need other help on the side of the road, roadside assistance coverage gets you help and cuts costs. |
| New Car Replacement | If your new car is destroyed within the first year, new car replacement coverage ensures you can get another one of the same value. |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
For cars that are more than ten years old, full coverage auto insurance is probably not a good financial decision. After this time, the annual insurance premium covers 46% of the value of older-model cars.
You can typically choose which specific coverages suit you because "full coverage" vehicle insurance is a collection of coverages rather than a single coverage (depending on your unique scenario and any state or lender requirements).
This additional coverage may be useful if you want to avoid being responsible for paying for car damage or if you can't afford it.
Some ways to acquire affordable full-coverage car insurance:
The cost of towing is not covered by car insurance. This is because the tow truck driver is considered a third party, and the company will only pay for the real cost of the tow.
Your auto insurance usually covers rental cars with the same limits and fees as your policy. But your auto insurance only covers rental cars you use for personal reasons, like driving one on vacation.
Full coverage is not an insurance policy, so it doesn't cover anything. The different kinds of insurance are put together in the deal you make.
A full-coverage policy will pay for any damage you do to other cars or harm you cause to other people. It also pays to fix your car if you wreck it or get damaged by weather, theft, or something else. The policy could also have personal injury security or coverage for drivers who don't have insurance.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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