Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Points on your license from speeding tickets or moving violations typically increase full coverage rates by 20–40%, with the physical damage portion (collision and comprehensive) affected more heavily because insurers see you as more likely to file a claim.
- At-fault accidents increase full coverage costs more dramatically than violations — expect 40–60% increases that persist for 3–5 years, with collision coverage premiums rising faster than liability.
- Your vehicle's value directly affects collision and comprehensive costs: a $35,000 financed SUV will cost $80–150/month more for physical damage coverage than a $15,000 sedan, regardless of your driving record.
- Deductible selection changes your monthly cost significantly — choosing a $1,000 deductible instead of $500 typically reduces your collision and comprehensive premiums by 15–25%, which can partially offset rate increases from points.
- Credit-based insurance scores interact with violation surcharges, meaning drivers with both points and lower credit can see full coverage rates 60–90% higher than clean-record drivers with excellent credit.
- Urban versus rural location affects collision rates more than comprehensive — drivers in dense metro areas with points often pay $50–100/month more for collision coverage due to higher accident frequency.
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