Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Your specific violation type—DUI or reckless driving can increase full coverage premiums by 60–80%, while minor speeding tickets typically add 20–30%.
- Vehicle value and age determine collision and comprehensive premiums; a financed $40,000 car costs significantly more to insure fully than a $12,000 paid-off sedan.
- Deductible levels directly affect premium—choosing a $1,000 deductible instead of $500 can reduce your monthly cost by $20–$40.
- Your liability limits selection, since 100/300/100 limits cost approximately 15–25% more than state minimums but provide crucial protection after a violation when you're already high-risk.
- Credit-based insurance score in states where it's allowed, which often drops after violations due to correlated financial stress, adding another 10–30% to premiums.
- Geographic rating territory, since high-violation drivers in urban areas with high theft and accident rates may pay 40–60% more than similar drivers in rural ZIP codes.
See How Much You Could Save
Get personalized full coverage insurance quotes in minutes.