Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Driving record items like DUIs, at-fault accidents, or speeding tickets can increase full coverage premiums by 40–150%, with the collision and comprehensive portions rising alongside liability costs.
- Vehicle value and repair costs directly affect collision and comprehensive premiums—newer cars and luxury vehicles cost significantly more to insure with full coverage than older economy models.
- Deductible choices for collision and comprehensive ($250, $500, $1,000, or higher) create an inverse relationship with premium—a $1,000 deductible can reduce your premium by 20–30% compared to $250.
- Your age and credit-based insurance score affect all coverage types, but drivers under 25 or with poor credit scores see particularly steep increases when adding collision and comprehensive to their policies.
- Coverage limits for liability components within full coverage vary widely—state minimums are cheaper but may leave you underinsured, while 100/300/100 limits can add $30–$60/mo over minimum coverage.
- Annual mileage and how you use your vehicle affect collision risk—high-mileage commuters typically pay 15–25% more for full coverage than occasional drivers covering the same car.
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