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Full coverage car insurance rates by state

By Posted : 03/13/2017

No insurance policy can cover you and your car in every circumstance. But a 'full coverage' policy covers you in most of them.

Insurance is meant to protect you from being sued, or left financially stranded by a totaled car, or ruined by an uninsured driver. That doesn't mean an accident won't leave you with expenses and hassles you wouldn't face otherwise.

Full coverage is shorthand for policies that cover not only your liability but damage to your car as well. Here's how to weigh liability vs. full coverage.

What is full coverage?

To most drivers, “full coverage” means you have bought not only liability insurance – which is mandatory virtually everywhere and pays for the damage you inflict on other people and property – but comprehensive and collision, too.

Ideally, full coverage means you have insurance in the types and amounts that are appropriate for your income, assets and risk profile. The point of all types of car insurance is to keep you from being financially ruined by an accident or incident.

Of course, you can buy a policy with every conceivable option:

  • The highest available liability limits (usually $250,000 per person bodily injury, $500,000 per accident, $100,000 property damage)
  • The lowest possible deductible on collision and comprehensive coverage. At some companies, it's $0, but $100 and $250 are common.
  • Uninsured motorist coverage
    • Uninsured/underinsured motorist bodily injury coverage with limits matching your liability coverage
    • Uninsured motorist property damage (not available in all states)
  • All available medical coverages in the highest amounts possible (personal injury protection in no-fault states and medical payments coverage in most others)
  • Rental reimbursement coverage
  • Towing and labor
  • Preferred-customer add-ons such as new car replacement programs or vanishing deductibles

In reality, there is no policy that will cover you and your car in every situation, just most of them.

What does full coverage insurance cover

A typical full coverage policy (liability, comprehensive and collision, uninsured motorist and medical coverage) should cover:

  • The damage you do to others, up to your liability limits.
  • Your car, up to its fair market value, minus your deductible, if you are at fault or the other driver does not have insurance or if it is destroyed by a natural disaster or stolen.
  • Your injuries and those of your passengers, if you are at fault, up to the amount of your medical coverage.
  • Your injuries and yours of your passengers, if you are hit by an uninsured motorist, up to the limits of your uninsured motorist policy.

Typical full coverage insurance won't pay for:

  • Racing or other speed contests
  • Off-road use
  • Use in a car-sharing program
  • Catastrophes such as war or nuclear contamination
  • Destruction or confiscation by government or civil authorities
  • Using your vehicle for livery or delivery purposes; business use
  • Intentional damage

Typical comprehensive and collision policies won’t cover:

  • Freezing
  • Wear and tear
  • Mechanical breakdown (often an optional coverage)
  • Tire damage
  • Items stolen from the car (those may be covered by your homeowners or renters policy, if you have one)
  • A rental car while your own is being repaired (an optional coverage)
  • Electronics that aren’t permanently attached
  • Custom parts and equipment (some small amount may be specified in the policy, but you can usually add a rider for higher amounts)



How much does full coverage cost?

Car insurance rates are very specific to the person who owns the car: Your age, driving record, credit history and location count as much as the kind of car you are driving. Rates also vary by hundreds of dollars from company to company. That's why we always suggest, as your first step to saving money, that you compare quotes.

Here's a comparison of the average yearly cost of the following coverage levels, by state:

  • State-mandated minimum liability, or, bare-bones coverage needed to legally drive a car
  • Liability coverage of $50,000 for those injured in an accident you cause, up to $300,000 per accident, and $50,000 for property damage you cause
  • Full coverage liability of $100,000 per person injured in an accident you cause, up to $300,000 per accident, and $100,000 for property damage you cause, with a $1,000 deductible for comprehensive and collision
  • Full coverage iability of $100,000 per person injured in an accident you cause, up to $300,000 per accident, and $100,000 for property damage you cause, with a $500 deductible for comprehensive and collision
  • Full coverage liability of $100,000 per person in an accident you cause, up to $300,000 per accident, and $100,000 for property damage you cause, with a $250 deductible for comprehensive and collision  
StateLiability Only - State Minimum50/100/50 BI/PDFull Coverage $1,000 deductibleFull Coverage $500 deductibleFull Coverage $250 deductible
Alaska $426 $434 $1,350 $1,533 $1,677
Alabama $638 $695 $1,772 $2,003 $2,194
Arkansas $616 $678 $1,717 $1,921 $2,089
Arizona $600 $696 $1,467 $1,635 $1,782
California $723 $911 $2,268 $2,574 $2,771
Colorado $646 $725 $1,598 $1,783 $1,938
Connecticut $1,097 $1,278 $2,270 $2,424 $2,555
DC $1,054 $1,139 $2,209 $2,531 $2,797
Delaware $1,520 $1,553 $2,528 $2,816 $3,021
Florida $1,058 $1,372 $2,410 $2,548 $2,680
Georgia $743 $804 $1,823 $1,988 $2,156
Hawaii $386 $422 $980 $1,095 $1,187
Iowa $403 $451 $1,177 $1,347 $1,539
Idaho $546 $601 $1,369 $1,514 $1,667
Illinois $543 $602 $1,307 $1,499 $1,649
Indiana $633 $691 $1,498 $1,711 $1,912
Kansas $526 $581 $1,372 $1,603 $1,783
Kentucky $607 $663 $1,641 $1,814 $1,937
Louisiana $909 $1,143 $2,626 $2,819 $2,988
Massachusetts $866 $996 $1,678 $1,950 $2,088
Maryland $958 $1,023 $1,795 $2,003 $2,163
Maine $513 $519 $1,192 $1,367 $1,524
Michigan $2,446 $2,145 $3,208 $3,535 $3,819
Minnesota $864 $868 $1,574 $1,784 $1,962
Missouri $506 $576 $1,355 $1,534 $1,708
Mississippi $639 $701 $1,684 $1,856 $1,995
Montana $467 $502 $1,698 $1,987 $2,189
North Carolina $385 $426 $918 $979 $1,030
North Dakota $512 $527 $1,475 $1,793 $2,053
Nebraska $472 $508 $1,269 $1,480 $1,659
New Hampshire $587 $629 $1,331 $1,514 $1,656
New Jersey $1,086 $1,462 $2,377 $2,550 $2,735
New Mexico $612 $652 $1,513 $1,675 $1,809
Nevada $641 $786 $1,636 $1,770 $1,891
New York $891 $973 $1,725 $1,923 $2,095
Ohio $579 $602 $1,235 $1,392 $1,524
Oklahoma $712 $805 $2,182 $2,476 $2,717
Oregon $1,007 $1,072 $1,697 $1,855 $1,989
Pennsylvania $560 $626 $1,427 $1,614 $1,772
Rhode Island $1,026 $1,113 $2,014 $2,226 $2,417
South Carolina $654 $717 $1,572 $1,741 $1,859
South Dakota $431 $467 $1,309 $1,550 $1,766
Tennessee $656 $717 $1,625 $1,810 $1,949
Texas $783 $818 $1,983 $2,182 $2,317
Utah $629 $685 $1,359 $1,485 $1,610
Virginia $536 $600 $1,275 $1,418 $1,541
Vermont $487 $541 $1,315 $1,470 $1,591
Washington $671 $713 $1,516 $1,651 $1,773
Wisconsin $578 $653 $1,649 $1,874 $2,123
West Virginia $669 $773 $1,633 $1,886 $2,072
Wyoming $410 $429 $1,345 $1,587 $1,792

*Methodology: The table shows the average annual rate for a 2015 Honda Accord LX culled from 10 ZIP codes in the state from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for Insurance.com by Quadrant Information Services. New Hampshire doesn’t require drivers to have car insurance, but most drivers do, and we’ve listed what is mandated if you choose to carry coverage.


When should I drop full coverage?

Our data show that 40 percent of drivers who own 10-year-old model cars are buying comprehensive and collision coverage. Many consider dropping these optional coverages on a car nearing the end of its life. If you can manage such a loss -- that is, replace a stolen or totaled car without a payout from insurance -- do the math on the potential savings.

For example, a 25-year-old woman with a clean driving record living in Stirling, N.J., would pay about $1,302 a year for “full coverage” (50/100/50 liability, uninsured motorist, personal injury protection and comprehensive and collision coverage with a $500 deductible) on a 10-year-old Ford Focus ZX4. Dropping comprehensive and collision, she would pay about $806 a year – a savings of $496 a year.

Let's say her car is worth $4,450 as the “actual cash value” an insurance company would pay. If her car were totaled tomorrow and she still carried full coverage, she would get a check for $3,950 – the actual cash value of the car minus her $500 deductible. In other words, she is paying $496 a year to protect herself against a $3,950 loss.

Of course, the value of the car drops with each passing year, and so do the insurance premiums. At a certain point, most drivers would choose to accept the risk and bank the collision and comprehensive premiums because they would be unlikely to find a reliable replacement with the insurance payout.

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