When should I drop full coverage from my car insurance?

State

Avg. full coverage premium for a 10-year-old car

Avg. liability and comprehensive premiums for a 10-year-old car

Avg. liability-only premiums for a 10-year-old car

Alabama

$1,442

$1,016

$832

Alaska

$1,735

$1,206

$867

Arizona

$2,135

$1,578

$1,267

Arkansas

$1,626

$1,027

$698

California

$2,405

$1,639

$1,374

Colorado

$2,323

$1,767

$1,208

Connecticut

$2,119

$1,491

$1,396

Delaware

$2,377

$1,780

$1,603

Florida

$3,601

$3,159

$2,997

Georgia

$2,326

$1,869

$1,660

Hawaii

$1,186

$694

$597

Idaho

$1,015

$682

$515

Illinois

$1,754

$1,176

$897

Indiana

$1,187

$779

$578

Iowa

$1,209

$832

$448

Kansas

$1,733

$1,212

$736

Kentucky

$2,025

$1,433

$1,138

Louisiana

$3,174

$2,566

$2,269

Maine

$1,072

$652

$498

Maryland

$2,262

$1,601

$1,392

Massachusetts

$1,581

$1,012

$867

Michigan

$2,129

$1,378

$1,007

Minnesota

$1,748

$1,210

$848

Mississippi

$1,674

$1,216

$867

Missouri

$1,728

$1,332

$800

Montana

$1,623

$1,104

$706

Nebraska

$1,536

$1,063

$640

Nevada

$2,968

$2,427

$2,240

New Hampshire

$1,157

$708

$562

New Jersey

$2,465

$1,860

$1,708

New Mexico

$1,570

$1,128

$869

New York

$3,312

$2,628

$2,181

North Carolina

$1,275

$877

$761

North Dakota

$1,156

$779

$442

Ohio

$1,301

$874

$685

Oklahoma

$1,973

$1,569

$1,055

Oregon

$1,670

$1,265

$1,116

Pennsylvania

$1,663

$1,084

$807

Rhode Island

$2,135

$1,445

$1,302

South Carolina

$1,415

$1,027

$815

South Dakota

$1,495

$1,103

$437

Tennessee

$1,416

$969

$752

Texas

$1,943

$1,415

$1,139

Utah

$1,656

$1,236

$1,056

Vermont

$1,013

$566

$423

Virginia

$1,537

$1,130

$893

Washington

$1,465

$932

$755

Washington, D.C.

$2,031

$1,391

$1,146

West Virginia

$1,514

$999

$709

Wisconsin

$1,327

$857

$588

Wyoming

$1,114

$621

$327