Again, I'm going to have to mention that this is a meaningless comparison without knowing what each person's policy limits (and other perks) are. "Full coverage" means different things to different people. I have $100,000/$300,000. Several of my friends have the legal minimum (which I highly discourage by the way) of $25,000/$50,000. My parents have $500,000/$500,000. Obviously, a person's premium is going to vary mightily based on policy limits.