How much is full coverage car insurance?
Full coverage car insurance costs $179 to $244 a month in 2026. What changes your price is below.
Four big data sources put the national average for full coverage between $179 and $244 a month. Insurify says $179 in January 2026. ValuePenguin says $208 for 2026. Bankrate says $225. Experian's May 2026 data says $244. They differ because each uses its own driver profile and quotes.
Estimate your full coverage car insurance cost
Pick what you need and add your ZIP. The price updates as you go. Got a price already? Check it in the last step.
Is this price fair?
A fair price is $130.
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Middle of the range: $130
What you are paying for
How we calculate this
Prices are for the United States in 2026 from published cost guides, checked September 2026. This is an estimate, not a quote.
What does full coverage cost by source and state?
| Insurify, Jan 2026 | $179 a month. |
|---|---|
| ValuePenguin, 2026 | $208 a month, $2,496 a year. |
| Bankrate | $225 a month, $2,697 a year; minimum coverage $68. |
| Experian, May 2026 | $244 a month, $2,926 a year. |
| Cheapest state (ValuePenguin) | Vermont, $128 a month. |
| Priciest state (ValuePenguin) | Nevada, $335 a month. |
What pushes a quote up
| State and ZIP code | Crash and theft rates matter. |
|---|---|
| Age | Young drivers pay the most. |
| Driving record | Tickets and crashes raise rates. |
| Car | Newer, pricier cars cost more to insure. |
| Deductible | A higher deductible lowers the premium. |
Full coverage car insurance cost by region
| Lower cost states | $145 to $195. Alabama, Arkansas, Indiana, Iowa, Kansas, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, West Virginia and most rural areas. |
|---|---|
| Average cost states | $179 to $244. Arizona, Florida, Georgia, Michigan, North Carolina, Ohio, Pennsylvania, Texas, Virginia and most mid size cities. |
| Higher cost states | $235 to $325. California, Connecticut, Hawaii, Massachusetts, New Jersey, New York, Washington, plus big metros such as Chicago, Denver and Washington DC. |
These rows are our estimate. We took the typical national range and adjusted it for local labor costs, which run about 20 percent lower in the cheapest states and about 30 percent higher in the dearest ones. Nevada, Louisiana and Florida are among the most expensive states; Vermont, Maine and Wyoming among the cheapest.
What full coverage means
Full coverage is not a legal term. It usually means liability insurance plus collision and comprehensive. Collision pays to fix your car after a crash. Comprehensive pays for theft, hail, fire and hitting a deer.
If you have a car loan or lease, the lender usually requires full coverage. If your car is old and worth little, liability only may cost far less. Bankrate puts minimum coverage near $68 a month.
Why the averages differ
Each source builds its average from a different sample driver, car and coverage level. Use them as a range, then compare real quotes for your own car.
How to judge the quote in your hand
- Ask the collision and comprehensive deductibles.
- Ask the liability limits.
- Ask which discounts you got.
- Ask if rental car cover is included.
- Ask if the price is for 6 months or a year.
Ways to pay less
- Compare at least 3 quotes every year.
- Raise your deductible to $1,000 if you can afford it.
- Bundle with home or renters.
- Drop collision on an old car worth little.
- Ask about safe driver and low mileage discounts.
Before you decide
A worked example
Say full coverage costs you $210 a month and liability only would cost $70. You save $140 a month, or $1,680 a year, by dropping full coverage. If your car is worth $3,000, one year of savings covers more than half of it. For a newer car worth $25,000, keep full coverage.
This page is price information, not insurance or legal advice. Rules on required coverage differ by state and by contract.
About $179 to $244 on average in 2026. About $2,150 to $2,930 on average. Vermont, about $128 a month (ValuePenguin). Often not, if the car is worth little. Compare the premium with the car's value.Common questions
How much is full coverage insurance a month?
How much is full coverage a year?
What is the cheapest state for full coverage?
Is full coverage worth it on an old car?
Other service costs