GEICO offers the most affordable full coverage at $151 per month—28% below the national average. Other budget-friendly options include Kemper, UAIC, Nationwide and Travelers, all of which have rates that are lower than average:
Cheapest Full Coverage Car Insurance
Updated: July 2, 2025
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Cheap Full Coverage Car Insurance: Key Takeaways
GEICO provides the cheapest full coverage car insurance, averaging $150 per month, or $1,800 per year.
With monthly rates averaging $70 per year, USAA offers the cheapest full coverage car insurance for military veterans and families.
Boasting the runner-up coverage score of 26 and an industry-best MoneyGeek score of 94/100, Travelers offers the best cheap full coverage car insurance.
Why You Can Trust MoneyGeek
Our cheapest car insurance rankings are based on comprehensive analysis of 2,474,515 quotes from 607 insurance companies across 3,523 ZIP codes nationwide. Our methodology has been reviewed by Mark Fitzpatrick, licensed insurance expert and industry analyst. We update our data and rankings monthly to ensure accuracy, with our most recent analysis completed in June 2025.
MoneyGeek maintains editorial independence and does not receive compensation from insurance companies for rankings or recommendations.
Who Has The Cheapest Full Coverage Car Insurance?
| Geico | $151 | $-59 | -28.00% |
| Kemper | $160 | $-49 | -23.00% |
| UAIC | $175 | $-34 | -16.00% |
| Nationwide | $179 | $-30 | -14.00% |
| Travelers | $191 | $-18 | -9.00% |
| Chubb | $203 | $-7 | -3.00% |
| Amica | $208 | $-1 | 0.00% |
| AAA | $214 | $5 | 2.00% |
| Progressive | $216 | $7 | 3.00% |
| State Farm | $247 | $38 | 18.00% |
Best Full Coverage Car Insurance Rates
Your rate depends on personal factors like age, driving record and credit score. To help you identify the most affordable option for your situation, you can filter for different driver profiles in the table below:
Data filtered by:Results filtered by:
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Gender:Female
Select
Age Group:Adult Drivers
Select
Driving Record:Clean
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Credit Alignment:None
| Geico | $159 | $-50 | -24% |
| Nationwide | $180 | $-29 | -14% |
| Travelers | $191 | $-18 | -9% |
| Chubb | $196 | $-13 | -6% |
| Amica | $208 | $-1 | 0% |
| Progressive | $228 | $19 | 9% |
| State Farm | $248 | $39 | 19% |
| Farmers | $282 | $73 | 35% |
| Allstate | $287 | $78 | 37% |
Read More: Cheapest Car Insurance
Cheapest Full Coverage Car Insurance by State
Your state is a significant factor in full coverage car insurance costs. In the table below, you can filter for each state's cheapest car insurance companies.
Data filtered by:Results filtered by:
Select
State:Alabama
| AIG | $241 | $39 | 19% |
| Allstate | $319 | $117 | 58% |
| Auto Owners | $161 | $-41 | -20% |
| Cincinnati Insurance | $110 | $-92 | -46% |
| Country Financial | $137 | $-66 | -32% |
| Farmers | $294 | $92 | 45% |
| Geico | $165 | $-37 | -18% |
| Nationwide | $183 | $-19 | -9% |
| Progressive | $231 | $29 | 14% |
| Safeway Insurance | $183 | $-19 | -9% |
| Travelers | $199 | $-3 | -1% |
Read More: Car Insurance Rates by State
HOW LOCATION IMPACTS FULL COVERAGE CAR INSURANCE COSYT
Your state has one of the biggest impacts on your insurance costs due to differences in:
- State regulations and required coverage minimums
- Weather and natural disaster risks
- Traffic density and accident rates
- Vehicle theft statistics
Cheapest Full Coverage Car Insurance by Age
Age creates dramatic rate differences in full coverage costs. Teens and new drivers face the highest premiums due to inexperience and higher accident rates. Rates drop significantly after age 25, then gradually increase again for senior drivers.
Cheapest Full Coverage Car Insurance for Young Drivers
With average monthly rates of $380, GEICO offers the cheapest full coverage car insurance for young drivers ages 16–25 who carry an individual policy.
| Geico | $380 | $-128 | -25% |
| Nationwide | $452 | $-56 | -11% |
| Kemper | $460 | $-49 | -10% |
| Travelers | $463 | $-46 | -9% |
| Chubb | $484 | $-24 | -5% |
| Amica | $518 | $10 | 2% |
| State Farm | $551 | $43 | 8% |
| AIG | $608 | $99 | 19% |
| Progressive | $637 | $129 | 25% |
FIND THE CHEAPEST CAR INSURANCE FOR YOUNG DRIVERS
Read More: Cheapest Car Insurance for Teens
Cheapest Full Coverage Car Insurance for Seniors
GEICO provides the cheapest rates for seniors at $188 per month, 27% below average.The table below shows the complete list of providers offering cheap full coverage car insurance policies for senior drivers:
| Geico | $188 | $-71 | -27% |
| Kemper | $198 | $-61 | -23% |
| Nationwide | $210 | $-49 | -19% |
| Chubb | $232 | $-27 | -10% |
| Amica | $239 | $-20 | -8% |
| Travelers | $258 | $-1 | 0% |
| Progressive | $278 | $19 | 7% |
| State Farm | $280 | $22 | 8% |
| Farmers | $336 | $78 | 30% |
FIND THE CHEAPEST CAR INSURANCE FOR SENIOR DRIVERS
Often, discounts are the best way for drivers 55 and older to find the cheapest rates. Seniors may find discounts for homeowners, veterans and low-mileage drivers.
Read More: Car Insurance Discounts for Senior Citizens
Cheapest Full Coverage Car Insurance for High-Risk Drivers
Drivers with violations face higher premiums, but significant savings remain available when comparing providers. See the cheapest full coverage policies for high-risk drivers by company below:
Cheapest Full Coverage Car Insurance After a Speeding Ticket
Minor violations like speeding tickets typically affect rates for three to five years, diminishing the impact over time. GEICO maintains the lowest rates for drivers with speeding tickets at $201 per month:
| Geico | $201 | $-59 | -23% |
| Kemper | $208 | $-53 | -20% |
| Nationwide | $236 | $-25 | -9% |
| Chubb | $237 | $-24 | -9% |
| Travelers | $255 | $-6 | -2% |
| Amica | $258 | $-2 | -1% |
| State Farm | $267 | $6 | 2% |
| Progressive | $291 | $31 | 12% |
| AIG | $332 | $71 | 27% |
| Allstate | $336 | $76 | 29% |
Read More: Cheapest Car Insurance For High Risk Drivers
Cheapest Full Coverage Car Insurance With an Accident
At-fault accidents typically increase rates for three to five years, with the surcharge decreasing annually if no additional violations occur. GEICO offers the most affordable coverage after an at-fault accident at $238 per month:
| Geico | $238 | $-56 | -19% |
| Amica | $257 | $-38 | -13% |
| Chubb | $257 | $-38 | -13% |
| Travelers | $271 | $-24 | -8% |
| Nationwide | $283 | $-12 | -4% |
| State Farm | $285 | $-9 | -3% |
| AAA | $326 | $32 | 11% |
| Progressive | $333 | $39 | 13% |
| AIG | $380 | $86 | 29% |
| Farmers | $413 | $119 | 40% |
Read More: Cheapest Car Insurance After an Accident
Cheap Full Coverage Car Insurance With a DUI
DUI convictions remain on driving records for varying periods depending on state law, typically three to 10 years. An SR-22 certificate may be required, adding administrative costs but not significantly affecting the base premium. Progressive provides the lowest rates for drivers with DUI convictions at $285 per month:
| Progressive | $285 | $-95 | -25% |
| State Farm | $310 | $-70 | -18% |
| Travelers | $310 | $-69 | -18% |
| AIG | $345 | $-35 | -9% |
| Geico | $362 | $-18 | -5% |
| Nationwide | $377 | $-3 | -1% |
| Chubb | $441 | $61 | 16% |
| Allstate | $479 | $99 | 26% |
| Farmers | $502 | $122 | 32% |
| AAA | $522 | $142 | 37% |
Read More: Cheapest Car Insurance After a DUI
Cheapest Full Coverage Car Insurance for Bad Credit
In states where credit scoring is permitted, drivers with poor credit pay an average of 105% more than those with excellent credit. Improving your credit score can significantly reduce insurance costs over time. Kemper offers the most affordable rates for drivers with poor credit at $202 per month, 38% below average for this profile:
Data filtered by:Results filtered by:
Select
Credit Level:Poor
| Kemper | Poor | $202 | $-123 | -38% |
| Geico | Poor | $212 | $-113 | -35% |
| Travelers | Poor | $224 | $-101 | -31% |
| Nationwide | Poor | $229 | $-96 | -29% |
| Chubb | Poor | $255 | $-70 | -22% |
| Progressive | Poor | $284 | $-41 | -13% |
| Allstate | Poor | $311 | $-14 | -4% |
| Farmers | Poor | $326 | $1 | 0% |
| AIG | Poor | $339 | $14 | 4% |
| Amica | Poor | $380 | $55 | 17% |
| State Farm | Poor | $590 | $265 | 82% |
MONEYGEEK EXPERT TIP
Insurance providers consider credit-based insurance scores when calculating car insurance rates in most states, except California, Hawaii, Massachusetts and Michigan. Drivers in states like New York, Arizona and Nebraska, could see their rates more than double if they have poor credit. Improving your credit score will likely significantly decrease your full coverage cost.
Read More: Cheapest Car Insurance for Drivers With Bad Credit
Cheapest Full Coverage Car Insurance for Military and Veterans
USAA offers the cheapest full coverage car insurance for military drivers, veterans and their families at $70 per month. Travelers and GEICO also provide competitive military discounts:
| USAA | $70 | $-44 | -47% |
| Travelers | $97 | $-19 | -21% |
| Geico | $98 | $-22 | -24% |
| Amica | $117 | $-5 | -6% |
| Progressive | $128 | $6 | 6% |
| National General | $109 | $-14 | -15% |
GEICO also offers military discounts including emergency deployment reductions and savings for AUSA, AFBA, NLUS or Navy Federal Credit Union members.
Best Cheap Full Coverage Car Insurance
These top-ranked insurers combine competitive pricing with strong customer service and claims handling. We evaluated insurers on affordability, customer satisfaction and coverage quality using a 100-point scale. Travelers ranks highest for best cheap full coverage car insurance:
| Travelers | 94.85 | 26.36 |
| Geico | 91.19 | 23.03 |
| Amica | 90.10 | 25.45 |
| Progressive | 89.14 | 29.39 |
| National General | 86.35 | 23.03 |
| State Farm | 85.74 | 23.03 |
Our scoring weighs affordability (40%), customer satisfaction (25%), claims satisfaction (20%), coverage offerings (10%) and financial stability (5%).
Read More: Best Car Insurance Companies
Cheap Full Coverage Car Insurance: Buyers Guide
To ensure you get the best full coverage option for your needs, explore the following sections for guidance on choosing the right policy. This will help you find the balance between coverage and cost, tailored to your situation.
How to Get Cheap Full Coverage Car Insurance
Smart shopping and strategic choices can save hundreds on your full coverage policy. Follow these steps to get the lowest rate:
- 1
Get quotes from multiple insurers
Insurance companies calculate risk differently, creating hundreds of dollars for identical coverage rate variations. Always compare quotes from at least three to five providers.
- 2
Maximize available discounts
Discounts can significantly reduce your full coverage costs. Insurance providers offer various discounts to reward safe driving, customer loyalty, and other factors that statistically lower risk. Most insurers offer significant savings through:
- Bundle discounts (home + auto)
- Multi-car discounts
- Safe driver programs
- Good student discounts
- Military/professional organization memberships
- Vehicle safety features
- 3
Choose a higher deductible
Increasing your deductible from $500 to $1,000 typically lowers premiums by 10-15%. Ensure you have savings to cover the higher amount if needed.
- 4
Consider an annual payment plan
Many insurers offer 5-10% discounts for paying your entire premium upfront, potentially saving hundreds annually by eliminating installment fees.
- 5
Maintain a good driving record
Avoiding tickets, accidents, and violations can save you substantially. Consider telematics programs that reward safe driving habits with lower rates.
- 6
Improve your credit score
In most states, better credit means lower premiums. Drivers with poor credit pay an average of 105% more. Improving one credit tier can save approximately 17% ($384 annually). Focus on paying bills on time, reducing debt and correcting errors in your credit report.
- 7
Lower your mileage estimate
Those driving under 7,500 miles annually can save 15-30% on premiums. Check maintenance records or track your driving for a month to calculate actual mileage.
Read More: How to Reduce Your Car Insurance Costs
MONEYGEEK EXPERT TIP
While higher deductibles mean lower monthly payments, remember that you'll need to pay more out-of-pocket when filing a claim. Choose a deductible that balances premium savings with what you can realistically pay in an emergency situation.
How Much Should Full Coverage Car Insurance Cost?
On average, full coverage car insurance costs $2,575 per year. The cost you pay for full coverage car insurance depends on several factors like your age, location, driving record and coverage choices. When it comes to coverage choices, two factors that heavily influence the cost of full coverage car insurance are your liability limits and deductibles.
| 100/300/100,000 - 1000 comp_coll | $215 | $2,575 |
| 300/500/300,000 - 1500 comp_coll | $237 | $2,848 |
| 50/100/50,000 - 500 comp_coll | $219 | $2,631 |
Read More: Average Cost of Car Insurance
Factors That Affect the Cost of Full Coverage Car Insurance
Below are the factors that determine how much your individual rate will cost for a full coverage car insurance policy:
Vehicle Model and Age
Gender
Liability Limits
Driving Record
Driver Age and Experience
Location
Credit History
Previous Claims
Deductible Amount
State Laws
Sources:
https://www.moneygeek.com/insurance/auto/what-is-the-average-cost-of-car-insurance-month-year/
Cheapest Full Coverage Car Insurance Quotes
While knowing average rates and the cheapest providers helps, you need personalized quotes to get your actual cost. Compare quotes from multiple insurance companies to find the most affordable price for your situation.
Car Insurance Calculator
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$133
High
$99
Average
$80
Low
Rates updated:
Jul 05, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 89 /of 100 | $80 | |
| 2 |  GEICO | 82 /of 100 | $80 |
| 3 |  Nationwide | 89 /of 100 | $84 |
| 4 | 84 /of 100 | $90 | |
| 5 | 78 /of 100 | $96 | |
| 6 | 74 /of 100 | $108 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
How Much Full Coverage Car Insurance Do I Need?
Experts recommend liability coverage of at least 100/300/100, which translates to $100,000 for bodily injury per person, $300,000 per accident, and $100,000 for property damage. Additionally, comprehensive collision coverage with affordable deductibles should be considered. Key factors to determine your coverage include:
- Loan/Lease Requirements: Lenders often require comprehensive and collision coverage with deductibles typically no higher than $1,000, which must be maintained for the duration of your loan or lease.
- Personal Assets: Higher coverage limits can protect your savings and assets from lawsuits. For significant assets, consider limits of at least $100,000 per person and $300,000 per accident for bodily injury.
- Risk Factors: Evaluate your driving habits, location, and typical passengers. You may need higher coverage limits if you drive frequently in congested areas or have young drivers.
- Budget Constraints: Balance premium costs with possible out-of-pocket expenses after an accident. Choose a deductible that you can afford and aligns with your emergency savings.
Vehicle Value: Higher-value cars require more coverage due to greater repair costs. If your vehicle is worth less than $3,000, paying for full coverage may not be financially prudent.
See our guide to determining how much car insurance coverage you need.
What Does Full Coverage Car Insurance Cover?
Full coverage combines liability insurance (required by law) with comprehensive and collision coverage for your own vehicle. Here's what each covers:
Insurance Coverage | What It Covers | What to Consider |
|---|---|---|
Covers costs for property damage or injuries to others if you're at fault in an accident. | Doesn't cover your own damages. State laws usually require this, but consider purchasing limits above the minimum for better protection. Leasing or financing may require additional coverage, like GAP insurance. | |
Comprehensive Coverage | Pays for repairs to your vehicle from non-collision events like theft, vandalism, fire, weather or animal damage. | Optional unless required by a lender. Ideal if you live in high-risk areas for theft or natural disasters. Not related to collisions. |
Collision Coverage | Covers repairs to your vehicle if it's damaged in a collision with another vehicle or object, or from an at-fault accident. | Also optional but often required for financed cars. It includes at-fault accidents and pothole damage but excludes commercial use. |
What Does Full Coverage Car Insurance Not Cover?
Standard full coverage policies exclude several scenarios. You'll need additional coverage for:
- Your medical expenses — Add personal injury protection (PIP) or medical payments coverage
- Mechanical breakdowns — Purchase mechanical breakdown insurance or extended warranty
- Business use — Rideshare or delivery driving requires commercial coverage
- Personal belongings — Items stolen from your car are covered by homeowners/renters insurance
Normal wear and tear — Routine maintenance and aging aren't covered
Should You Buy Full Coverage Auto Insurance?
Experts recommend full coverage unless your car's actual cash value (ACV) is low. You shouldn't pay more in premiums than the car's worth, as some add-ons may exceed repair costs. Use resources like Kelley Blue Book to assess your vehicle's value. If insurance costs are too high compared to its value, especially for older cars, liability-only might suffice. If you can afford repairs or replacement out-of-pocket, full coverage may not be necessary.
When to Get Full Coverage Auto Insurance
Use resources like Kelley Blue Book to assess your vehicle's value. Experts recommend full coverage unless your car's actual cash value (ACV) is low. You shouldn't pay more in premiums than the car's worth, as some add-ons may exceed repair costs. We recommend getting full coverage car insurance in these situations:
Financed or leased vehicles
Lenders require comprehensive and collision coverage to protect their investment until you pay off the loan.
Newer or expensive cars
Full coverage prevents financial hardship if your valuable vehicle is damaged or stolen.
High Risk Situations
Consider full coverage if you drive frequently, live in areas with severe weather or high theft rates, or can't afford major repair bills.
Read More: Do You Need Full Coverage on a Used Car?
WHEN TO DROP FULL COVERAGE CAR INSURANCE
Liability-only insurance can be sufficient if costs exceed the car's value, particularly for older vehicles. Consider switching to liability-only when:
- Your car's value drops below $4,000
- Annual premiums exceed 10% of your vehicle's worth
- You have sufficient savings to replace your car
- You drive infrequently or store your vehicle most of the time
Cheapest Full Coverage Auto Insurance: Bottom Line
GEICO leads with the cheapest full coverage car insurance at $151 monthly, but the best deal depends on your situation. Young drivers save the most with Nationwide, while drivers with violations get better rates from State Farm. DUI convictions? Progressive offers the lowest premiums.
FAQ: Cheap Full Coverage Car Insurance
Below are common questions about cheap full coverage car insurance:
Who has the cheapest full coverage car insurance?
GEICO offers the cheapest full coverage insurance nationwide at $151 monthly. However, the best option depends on your profile: Nationwide excels for young drivers and those with poor credit, State Farm works best after violations, and Progressive leads for DUI convictions. USAA costs just $70 monthly for eligible military families.
Should I have full coverage on a paid-off car?
Keep full coverage if your car is worth more than $4,000 or if annual premiums cost less than 10% of its value. Drop it for older, low-value vehicles when you can afford repairs or replacement out of pocket. Consider your local risk factors, like theft rates and severe weather.
Can I get cheaper full coverage with a higher deductible?
Yes. Raising your deductible from $500 to $1,000 reduces annual premiums by $124. Increasing from $1,000 to $1,500 saves another $34 annually. Choose a deductible you can comfortably afford in an emergency since you'll pay this amount when filing claims.
Why Is Full Coverage Insurance Expensive?
Full coverage car insurance costs more than state minimum coverage because it includes comprehensive and collision protections, covering damages to your vehicle from accidents, theft or natural disasters. Liability-only policies only cover damage or injury you cause to others.
How does credit score affect full coverage rates?
In most states, poor credit significantly increases premiums. Drivers with poor credit pay 105% more than those with excellent credit. Improving just one credit tier saves approximately 17% ($384 annually). California, Hawaii, Massachusetts, and Michigan prohibit credit-based pricing.
Best Full Coverage Car Insurance: Our Review Methodology
Data Depth and Overview
Overall, MoneyGeek analyzed 2,474,515 quotes, from 607 companies, across 3,523 ZIP codes to determine the cheapest full coverage car insurance for drivers of various profiles and needs.
Driver Profiles
To find the cheapest full coverage car insurance MoneyGeek created an average driver profile to collect rates from insurers. This profile includes the following characteristics:
- 25-year-old male
- Clean driving record
- 2012 Toyota Camry LE
- 12K miles driven annually
To collect data on rates for specific driver characteristics, the average driver profile was modified by geographic location, age, credit score and driving history — such as adding a ticket, a DUI or an accident — to the standard driver profile.
Defining Full Coverage
Unless specifically indicated, when MoneyGeek makes a recommendation about the cheapest full coverage company and respective premium on this page, we are referencing a 100/300/100 policy. This is shorthand for:
- $100,000 in bodily injury liability coverage per person
- $300,000 in bodily injury liability coverage per accident
- $100,000 in property damage liability coverage per accident
- Comprehensive and collision coverage with a $1,000 deductible
Learn more about full coverage.
Learn more about state minimum coverage requirements.
How We Ranked Best Providers for Affordability
MoneyGeek used sources such as AM Best, J.D. Power, the Crash Network report card and quote data from Quadrant Information Services and state insurance departments to determine the best affordable car insurance providers. To create a score for each insurer, MoneyGeek created a weighted ranking system using the following weights:
- Financial Stability: 5%
- Customer Satisfaction: 25%
- Claim Satisfaction Claims Score: 20%
- Coverage Offerings Score: 10%
- Affordability: 40%
Car insurance rates presented are based on data collected two months ago.
Learn more about MoneyGeek's auto insurance methodology.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Institute for Highway Safety. "Fatality Facts 2022: Older people." Accessed January 27, 2025.
- Insurance Information Institute. "Background On: Credit Scoring." Accessed January 27, 2025.
- National Highway Traffic Safety Administration. "Drunk Driving." Accessed January 27, 2025.
- National Highway Traffic Safety Administration. "Speeding." Accessed January 27, 2025.
- National Safety Council. "Deaths and Death Rates by Type of Crash and Victim Age, United States, 2020." Accessed January 27, 2025.
- World Health Organization. "Road Traffic Injuries." Accessed January 27, 2025.
- J.D. Power. "Auto Insurance Shopping and Switch Rates Reach New Highs as Premiums Surge, J.D. Power Finds." Accessed January 27, 2025.