Updated: August 25, 2026
Advertising & Editorial Disclosure
Travelers offers the cheapest nationwide full coverage policy at $96 a month, 31% below the national average.
Regional insurers like American National and Auto-Owners are cheapest in 17 states, more than GEICO (14 states) or Travelers (10). Most drivers skip regional companies entirely because they advertise less than the big names.
For high-risk drivers, State Farm and Travelers cost $128 a month after a speeding ticket. State Farm is cheapest after a DUI at $156 a month. Travelers has the lowest rate after an at-fault accident ($137 a month); State Farm costs $1 more at $138.
We analyzed 2,474,515 quotes from 607 insurance companies across 3,523 ZIP codes nationwide to find the most affordable full coverage car insurance rates. All quotes reflect 50/100/50 liability limits with $500 deductibles for comprehensive and collision coverage, unless a section notes otherwise. Rates are based on a 40-year-old male with a clean driving record who drives a 2012 Toyota Camry.
Mark Fitzpatrick, a licensed Property and Casualty Insurance Producer and MoneyGeek's personal finance expert, reviewed our methodology. He has analyzed insurance markets for almost 10 years and has been featured in CNBC, NBC News and Mashable. We update our methodology each month; the most recent analysis ran in July 2026.
Among major insurers, Travelers offers the lowest average rate for full coverage at $96 a month for 100/300/100 liability limits. GEICO is next at $101 a month, though it offers fewer coverage options than Travelers.
Travelers offers full coverage with add-ons like new-car replacement, though availability varies by state. Your rate depends on your age, driving record, ZIP code and credit score (where state law permits), so get quotes from Travelers and GEICO before deciding.
| Travelers | $96 | $1,156 | 31% |
| Geico | $101 | $1,213 | 28% |
| National General | $111 | $1,327 | 21% |
| Amica | $115 | $1,381 | 18% |
| State Farm | $118 | $1,418 | 16% |
*USAA is the cheapest full coverage option at $70 a month, 67% below the national average, but is only available to military members, veterans and eligible dependents.
Travelers is the best-rated full coverage car insurance company, with a 4.7 out of 5 score, reflecting strong results in affordability and customer experience. Low premiums and reliable claims support come in the same policy.
Progressive scores highest for coverage breadth at 4.9 and suits drivers who want add-ons beyond what Travelers and GEICO offer. It costs $127 a month, but few standard carriers match its range of policy options.
| Travelers | 4.7 | 4.9 | 4.4 | 4.8 |
| Progressive | 4.6 | 4.4 | 4.9 | 4.7 |
| Geico | 4.6 | 5 | 3.8 | 4.5 |
| Amica | 4.5 | 4.5 | 4.2 | 5 |
| State Farm | 4.3 | 4.5 | 3.8 | 4.6 |
| National General | 4.3 | 4.6 | 3.8 | 4 |
| Nationwide | 4.2 | 4 | 4.4 | 4.5 |
GEICO leads in 14 states and Travelers in 10, but state-level rates vary widely. Regional insurers are cheapest in 17 states. American National and Auto-Owners are the two regional carriers most worth quoting where they're available.
American National (cheapest in Colorado, South Carolina and Wyoming) and Auto-Owners (cheapest in Georgia, Missouri and Ohio) don't advertise as heavily as the big names, but both cost less on average in the states where they're available.
| Alabama | Cincinnati Insurance | $79 | $944 | 27% |
| Alaska | Geico | $86 | $1,033 | 24% |
| Arizona | Travelers | $85 | $1,024 | 39% |
| Arkansas | Farm Bureau | $87 | $1,039 | 27% |
| California | Geico | $93 | $1,116 | 37% |
| Colorado | American National | $75 | $901 | 51% |
| Connecticut | Geico | $78 | $936 | 49% |
| Delaware | Travelers | $73 | $882 | 61% |
| District of Columbia | Chubb | $109 | $1,304 | 41% |
| Florida | Travelers | $112 | $1,341 | 53% |
| Georgia | Auto Owners | $103 | $1,230 | 28% |
| Hawaii | Geico | $67 | $809 | 23% |
| Idaho | State Farm | $53 | $636 | 35% |
| Illinois | Geico | $71 | $854 | 31% |
| Indiana | Geico | $65 | $777 | 27% |
| Iowa | Travelers | $65 | $784 | 34% |
| Kansas | Geico | $73 | $877 | 39% |
| Kentucky | Travelers | $94 | $1,125 | 32% |
| Louisiana | Geico | $162 | $1,947 | 35% |
| Maine | Travelers | $53 | $640 | 34% |
| Maryland | Geico | $86 | $1,030 | 46% |
| Massachusetts | Plymouth Rock Insurance | $67 | $804 | 33% |
| Michigan | Geico | $72 | $865 | 48% |
| Minnesota | AAA | $77 | $918 | 28% |
| Mississippi | Farm Bureau | $96 | $1,148 | 24% |
| Missouri | Auto Owners | $81 | $971 | 36% |
| Montana | State Farm | $78 | $937 | 35% |
| Nebraska | Farmers Mutual Ins Co of NE | $67 | $802 | 40% |
| Nevada | Travelers | $105 | $1,260 | 34% |
| New Hampshire | MMG Insurance | $60 | $718 | 29% |
| New Jersey | NJM Insurance | $121 | $1,453 | 33% |
| New Mexico | Geico | $98 | $1,180 | 19% |
| New York | Progressive | $63 | $756 | 50% |
| North Carolina | State Farm | $55 | $657 | 49% |
| North Dakota | Geico | $58 | $696 | 37% |
| Ohio | Auto Owners | $69 | $831 | 22% |
| Oklahoma | Progressive | $91 | $1,086 | 33% |
| Oregon | Progressive | $82 | $990 | 27% |
| Pennsylvania | Travelers | $68 | $810 | 45% |
| Rhode Island | State Farm | $84 | $1,004 | 38% |
| South Carolina | American National | $64 | $773 | 53% |
| South Dakota | Progressive | $53 | $630 | 50% |
| Tennessee | Travelers | $78 | $936 | 26% |
| Texas | State Farm | $93 | $1,112 | 41% |
| Utah | Geico | $96 | $1,149 | 28% |
| Vermont | Co-operative Insurance | $50 | $604 | 36% |
| Virginia | Travelers | $61 | $732 | 38% |
| Washington | Progressive | $100 | $1,202 | 14% |
| West Virginia | Erie Insurance | $94 | $1,125 | 21% |
| Wisconsin | Geico | $56 | $673 | 35% |
| Wyoming | American National | $63 | $762 | 27% |
Travelers offers the cheapest rates for young drivers (ages 16 to 25) at $231 a month, $17 less than GEICO's $248. Travelers routes claims through agents, which matters more when a first-time claimant is dealing with an unfamiliar process. GEICO is the right pick for app-focused drivers who don't need agent access.
National General at $249 a month covers drivers standard companies have declined. Its claims handling and digital tools rank below average, but when a standard carrier won't write the policy, National General will.
Teen drivers aged 16 to 18 pay far more than experienced drivers, so carrier choice matters more for families than for single adults. Choosing Travelers over State Farm saves about 12%. For a family with a teen on the policy, that gap adds up to hundreds of dollars a year.
| Travelers | $231 | $2,769 | $1,217 | 31% |
| Geico | $248 | $2,971 | $1,014 | 25% |
| National General | $249 | $2,989 | $997 | 25% |
| State Farm | $263 | $3,156 | $829 | 21% |
| Amica | $275 | $3,302 | $684 | 17% |
*Teen drivers under 18 cannot legally purchase their own insurance without a parent/guardian as a co-signer in most states.
GEICO offers the cheapest full coverage auto insurance for seniors at $124 a month. Amica costs $130 ($6 more) and ranks seventh among major insurers for claims satisfaction in J.D. Power's 2025 Auto Claims Satisfaction Study. GEICO ranks 15th, below average. That $6 gap is worth paying for a stronger claims experience.
Seniors driving fewer than 5,000 miles a year should check State Farm. Its base rate is $134 a month, but Drive Safe & Save can pull that down to $94 a month for low-mileage drivers with clean records, $30 below GEICO's base rate before any telematics discount.
Seniors who want to cut their rate further should also look into an approved defensive driving course. In 34 states and Washington, D.C., completing one earns a 5% to 15% discount at the next renewal.
| Geico | $124 | $1,493 | $568 | 28% |
| Amica | $130 | $1,556 | $505 | 24% |
| Travelers | $131 | $1,573 | $489 | 24% |
| State Farm | $134 | $1,611 | $450 | 22% |
| National General | $137 | $1,645 | $417 | 20% |
Drivers with violations have more to gain from shopping around than drivers with clean records. Each insurer calculates violation surcharges differently based on its own risk pool, so the cheapest option depends on which violation is on your record.
State Farm is the cheapest after a DUI ($156 a month), Travelers is the cheapest after an at-fault accident ($137 a month), and both tie for the cheapest after a speeding ticket ($128 a month).
The three cheapest options for each violation differ by less than $10 a month. Progressive costs $8 more a month than State Farm for a DUI, but earns higher marks for coverage options and claims handling. That difference is narrow enough to make Progressive worth quoting.
Travelers and State Farm average $128 a month after a speeding ticket. A tied average doesn't mean your quotes will match; your rate also varies by age, driving record and credit history. Get quotes from both.
State Farm's Drive Safe & Save reduces your rate at each renewal as a speeding ticket ages off your record.
| Travelers | $128 | $1,534 | 26% |
| State Farm | $128 | $1,535 | 26% |
| Geico | $136 | $1,627 | 22% |
| Amica | $142 | $1,700 | 18% |
| National General | $151 | $1,815 | 13% |
Travelers is the cheapest after an at-fault accident at $137 a month, $1 less than State Farm and $7 less than Amica. With less than $10 separating all three, get quotes from all of them.
Insurers price at-fault accidents differently, so the lowest rate on average may not hold for your accident type or severity.
| Travelers | $137 | $1,639 | 31% |
| State Farm | $138 | $1,658 | 30% |
| Amica | $144 | $1,727 | 27% |
| Geico | $158 | $1,891 | 20% |
| National General | $161 | $1,936 | 18% |
State Farm is the cheapest for full coverage after a DUI at $156 a month. Travelers is $1 more at $157; Progressive costs $164 a month, $8 more than State Farm. All three are within $10 of each other across thousands of driver profiles.
Progressive is more expensive than State Farm for speeding tickets and at-fault accidents but competitive for a DUI. Its DUI surcharge is smaller than its surcharge for tickets or at-fault accidents. Drivers who choose Progressive can enroll in its Snapshot telematics program. SR-22 holders should confirm eligibility with Progressive directly, as availability varies by state.
| State Farm | $156 | $1,874 | 37% |
| Travelers | $157 | $1,884 | 37% |
| Progressive | $164 | $1,967 | 34% |
| National General | $195 | $2,344 | 22% |
| Kemper | $216 | $2,596 | 13% |
Not all companies write new policies after a DUI, so check with your insurer before you buy. An SR-22 is a certificate your state requires after a serious violation. It's not an insurance policy.
Eight states don't require SR-22 filings: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania (Insure.com, 2026). Drivers in Florida and Virginia file an FR-44 instead, a similar certificate that requires higher minimum coverage limits than an SR-22.
National General is the cheapest for bad credit at $203 a month; UAIC is second at $222. Both specialize in high-risk drivers, but their claims handling and digital tools rank below average. Credit scores aren't a driving risk factor the way a DUI or speeding ticket is, but insurers treat poor credit as a signal of higher claim likelihood. The surcharge can exceed what you'd pay for a driving violation.
California, Hawaii and Massachusetts ban the use of credit scores for auto insurance. Michigan restricts the use of credit scores but doesn't fully prohibit it. In every other state, improving your credit score before renewal lowers your next rate.
| National General | $203 | $2,437 | 41% |
| UAIC | $222 | $2,662 | 35% |
| Kemper | $249 | $2,991 | 27% |
| Chubb | $263 | $3,154 | 23% |
| Travelers | $268 | $3,219 | 22% |
*These rates are based on clean driving records. Adding violations like speeding tickets or at-fault accidents will increase your costs beyond these base premiums.
To cut your full coverage rate, shop around, raise your deductible, improve your driving record and credit score, or switch to a cheaper vehicle.
Switching vehicles takes longer. The other three adjustments can bring your rate down at renewal or sooner.
Price differences between carriers average $1,200 a year for identical full coverage. National carriers are easy to quote online; regional insurers are cheaper in 17 states but get far fewer quotes. The state table above shows which carrier leads in your state.
Raising your deductible from $500 to $1,000 cuts your rate by 12% on average. In 22 states, a 100/300/100 policy with a $1,000 deductible costs less than 50/100/50 with a $500 deductible from the same carrier. Only raise your deductible to an amount you can cover out of pocket after a claim.
Violations fall off your record after three to five years, and your rate drops at each renewal in that window. If you recently had a violation, get multiple quotes, since insurers price the risk differently. Moving from poor to good credit cuts premiums by 50% on average, per MoneyGeek research. Re-shop when your driving profile improves.
Full coverage rates track your vehicle's value and repair costs. A 2025 BMW M4 costs $3,775 a year to insure; the 2025 Subaru Legacy runs $1,985. That $1,790 gap comes from vehicle choice alone.
The national average for full coverage car insurance is $2,575 a year ($215 a month) for 100/300/100 liability limits with $1,000 deductibles for comprehensive and collision. Your rate depends on your age, driving record, credit history, location and vehicle.
| 100/300/100 liability with $1,000 comprehensive and collision deductibles | $215 | $2,575 |
| 300/500/300 liability with $1,500 comprehensive and collision deductibles | $237 | $2,848 |
| 50/100/50 liability with $500 comprehensive and collision deductibles | $219 | $2,631 |
No. Gap insurance is a separate add-on that covers the difference between what you owe on a loan and what your car is worth after a total loss. Progressive and Travelers both offer it. If you financed with a small down payment, get a gap insurance quote before skipping it.
Most standard carriers won't issue a new policy with a suspended license. Nonstandard carriers like National General may issue one, but rates will be much higher. An SR-22 filing is also a standard requirement.
Yes. Collision coverage pays for damage to your own vehicle regardless of fault. Liability coverage pays for damage you cause to others.
Not automatically. Rental reimbursement is a separate add-on available at most carriers for $2 to $5 a month. Without it, you pay for a rental out of pocket while your car is being repaired.
MoneyGeek's analysis covers 2,474,515 quotes from 607 companies across 3,523 ZIP codes, spanning every state across a range of driver profiles, coverage tiers and deductible levels. The full auto insurance methodology details the data sources and scoring model.
MoneyGeek weighted five factors for the provider scores:
Baseline driver profile: 40-year-old male, clean driving record, good credit, 2012 Toyota Camry, 12,000 miles a year. Every rate in this article uses this profile. Subsections on young drivers, seniors and drivers with violations each use a different one.
Coverage tiers explained:
Why we compare across tiers: In 22 states, the 100/300/100 rate is lower than 50/100/50 despite the higher liability limits. The $500 deductible difference more than offsets the liability limit increase. Showing only one tier would hide that trade-off entirely.
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
