Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Your violation type and severity—DUIs can double or triple full coverage premiums compared to minor speeding tickets, often adding $150–$200/month to the base rate.
- Vehicle value and repair costs directly affect collision and comprehensive premiums; a $45,000 SUV costs significantly more to insure than a $15,000 sedan even with identical driving records.
- Deductible selection changes monthly cost substantially—increasing from a $250 to $1,000 deductible typically reduces premiums by 15–30% but increases your out-of-pocket risk per claim.
- Your zip code's theft, vandalism, and uninsured driver rates affect comprehensive and collision pricing, sometimes varying by 40–60% between neighboring areas.
- Credit-based insurance score impacts full coverage pricing more than liability-only policies in most states, with poor credit adding 20–50% to comprehensive and collision premiums.
- How long since your violation matters—rates typically drop 10–20% at each renewal anniversary for the first three years as the incident ages off your surcharge period.
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