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. Compare these rates to the average cost of car insurance across all coverage types to get an idea of how much you should pay for full coverage car insurance.

Vermont is the cheapest state at $75 per month ($897 per year) — $582 below the national average. Louisiana is the most expensive state 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. Read our guide on the average car insurance rates by state to get a better understanding of where your state stands nationwide.

Young drivers pay $323 per month or $3,878 per year for full coverage car insurance. Adult drivers pay $136 per month — 58% less than young drivers. Senior drivers pay $167 per month — 23% more than adult drivers. Find the cheapest car insurance for new drivers and compare car insurance rates by age to get the lowest rate for you or your teen driver.

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.  Below, you can compare the rates for your specific high-risk situation to give you an idea of how much full coverage costs after a violation. To find cheap car insurance for high-risk drivers, 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. Find car insurance with bad credit and insurers that don't check credit scores.

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. Same coverage, same driver — the difference is entirely insurer pricing. Find the cheapest full coverage car insurance by comparing providers.

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). Learn more about car insurance for teens and car insurance for senior citizens.