Guide
How Much Full Coverage Car Insurance Costs
Typical full-coverage premiums nationally and by driver profile, how much collision and comprehensive add, and the factors that move the price.
By Monica Reyes · Research Writer
Published · Updated
Answer in brief
A typical driver with a clean record pays about $1,900–$2,600 a year for full coverage—roughly two to three times the cost of liability-only. Collision is the larger add-on (often 40% of the full-coverage premium); comprehensive is cheaper (10–15%). The price depends on the car's value and repair cost, your deductibles, record, territory and age. Drivers under 25 and those with recent incidents can pay $3,500–$6,000.
| Profile | Liability-only | Full coverage ($1,000 deductibles) |
|---|---|---|
| 35, clean, mid-priced sedan, suburban | $600–$900 | $1,700–$2,300 |
| 35, clean, new SUV, urban | $800–$1,200 | $2,400–$3,400 |
| 22, clean, used sedan | $1,400–$2,000 | $3,200–$4,500 |
| 45, one at-fault accident | $900–$1,300 | $2,400–$3,300 |
| 62, clean, low mileage | $500–$750 | $1,300–$1,900 |
What drives the price
- Vehicle—repair cost, parts prices, theft rate, and claim history for the model.
- Deductibles—$500 to $1,000 saves 10–20% on collision/comprehensive.
- Record—an at-fault accident adds 30–50%.
- Territory—urban repair labour and theft rates.
- Age—under 25 pays the most; late fifties the least.
- Coverage add-ons—rental, roadside, gap.
Questions & answers
How much is full coverage per month?
Commonly $150–$220 for a clean-record adult; more for young drivers or newer vehicles.
Why is full coverage so much more than liability?
Collision and comprehensive pay for your own car, which is a frequent and expensive claim category.
Does a higher deductible really save much?
Going from $500 to $1,000 typically saves 10–20% on the physical damage portion.
Terms used in this guide
- Premium
- The price of the policy, per six or twelve months.
- Collision coverage
- Pays to repair or replace your car after a crash regardless of fault, minus the deductible.
- Comprehensive coverage
- Pays for non-crash losses: theft, vandalism, weather, fire, animal strikes, glass.
- Deductible
- The amount you pay before collision or comprehensive pays on a claim.
Sources and references
Legal figures on this page (minimum limits, filing periods, statutory benefits) are checked against the primary law or the state insurance regulator listed below. Links and figures last verified Nov 2026.
- Insurance losses by make and model — Highway Loss Data InstituteStatistical dataRelative claim frequency and severity by vehicle under collision, property damage, comprehensive, PIP, MedPay and bodily injury coverages.
- 2019–2023 Auto Insurance Database: average premium supplement — National Association of Insurance Commissioners (2025)Statistical dataCountrywide average expenditure $1,281 in 2023 (+13.98%); combined average premium $1,438; state tables for liability, collision and comprehensive.
- Facts + Statistics: Auto insurance — Insurance Information Institute (2025)Statistical dataNAIC countrywide average auto expenditure: $1,127 (2022), $1,282 (2023); most expensive states in 2023 were Florida, Louisiana and New York.
- How much auto coverage do I need? — Insurance Information InstituteConsumer guidanceWhy state minimums are a floor; choosing liability limits that protect assets; when collision and comprehensive are worth keeping.
- What determines the price of an auto insurance policy? — Insurance Information InstituteConsumer guidanceRating factors: driving record, mileage, location, age, gender, vehicle, credit-based insurance score, coverage choices. Notes ZIP-code rating is prohibited in California and Michigan and gender rating is prohibited in seven states.
- What is covered by a basic auto insurance policy? — Insurance Information InstituteConsumer guidanceDefines bodily injury and property damage liability, MedPay, PIP, uninsured/underinsured motorist, collision, comprehensive and glass coverage.
- Understanding your insurance deductibles — Insurance Information InstituteConsumer guidanceHow deductibles apply to collision and comprehensive and how raising them lowers premium.
- What is gap insurance? — Insurance Information InstituteConsumer guidanceGap coverage pays the difference between a car's actual cash value and the loan or lease balance after a total loss.
Practical guidance on this page is original editorial work. Cited sources support factual statements and do not endorse this site. Dollar ranges described as typical or illustrative are editorial estimates, not figures from these sources.
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