Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Point total and violation type — a single speeding ticket (2-3 points) might add 20-30% to your premium, while an at-fault accident (3-4 points) can increase it 40-60%, and DUI convictions often double or triple full coverage costs.
- Deductible selection — choosing a $1,000 deductible instead of $500 can reduce your collision and comprehensive premiums by 15-30%, critical for managing costs when points have already elevated your base rate.
- Vehicle value and age — insuring a $35,000 financed SUV costs significantly more than a $12,000 sedan, and some drivers with points find they're priced out of full coverage on expensive vehicles by non-standard carriers.
- Credit-based insurance score — in states that allow it, poor credit combined with license points creates a compounding effect that can push full coverage premiums 60-100% above clean-record drivers with good credit.
- Coverage limits and add-ons — state minimum liability (often 25/50/25) costs less than 100/300/100, but drivers with points are higher-risk for future claims and should consider higher limits to avoid personal asset exposure.
- Insurer type — after accumulating points, standard carriers like State Farm or Allstate may non-renew you or quote rates 80-150% higher, while non-standard carriers specializing in high-risk drivers (The General, Acceptance, Direct Auto) often provide more competitive full coverage pricing.
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