The average cost of full coverage car insurance in the U.S. is approximately $1,674 per year, but it can range from about $1,000 to over $3,000 annually depending on various factors. Full coverage typically includes liability, collision, and comprehensive insurance, which protect you against accidents, theft, and other damages. However, your actual premium is highly personalized and influenced by your driving history, location, age, car model, coverage limits, and deductibles.
For instance, a deductible—the amount you pay out-of-pocket before insurance kicks in—can significantly lower your premium if you choose a higher one. According to data from the Insurance Information Institute and industry reports, states with high population density or frequent severe weather often have higher averages. It's crucial to compare quotes from multiple providers to find the best rate.
Here's a table with average annual full coverage premiums by state, based on 2023 industry data:
| State | Average Annual Premium |
|---|
| California | $1,967 |
| Texas | $1,823 |
| Florida | $2,364 |
| New York | $2,271 |
| Illinois | $1,543 |
| Ohio | $1,289 |
| Michigan | $2,611 |
| Georgia | $1,836 |
| Pennsylvania | $1,655 |
| Arizona | $1,502 |
| North Carolina | $1,128 |
| Washington | $1,489 |
| Colorado | $1,792 |
| Virginia | $1,341 |
| Massachusetts | $1,598 |
To save money, maintain a clean driving record, bundle policies, and ask about discounts for safety features. Always review your policy annually to ensure it meets your needs without overpaying.
