Updated April 2026
What Is Full Coverage Insurance?
How Much Does Full Coverage Insurance Cost?
- Time since SR22 filing ended—rates drop significantly at 6-month, 12-month, and 36-month anniversaries of your filing end date, not the incident date.
- Vehicle value and age—a $35,000 financed vehicle costs substantially more to insure fully than a $6,000 paid-off car, sometimes doubling your collision and comprehensive premiums.
- Deductible selection—choosing a $1,000 deductible instead of $500 typically reduces collision and comprehensive premiums by 15–25%, saving post-SR22 drivers $25–$60/month.
- Violation type that triggered SR22—DUI-related filings result in higher full coverage rates (often 80–140% above baseline) compared to lapse-related filings (40–80% above baseline) during the first two years post-filing.
- Credit-based insurance score—in states where it's permitted, improving your credit during rate recovery can reduce full coverage premiums by 20–30% independent of your driving record improvements.
- Carrier specialization—some insurers offer competitive liability rates but punitive collision/comprehensive rates for post-SR22 drivers, making it essential to compare the full coverage package, not just liability minimums.
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