Updated: May 11, 2026
Advertising & Editorial Disclosure
Travelers offers the cheapest full coverage nationwide at $97 a month for 100/300/100 limits, 28% below the national average. GEICO matches it at $98 but has fewer coverage options and no agent for claims.
GEICO is the cheapest full coverage option in 17 states, but regional carriers take the top spot in 24 states. In 22 states, stepping up to higher limits costs less from the same insurer. Most drivers never check this before renewing.
For high-risk drivers: State Farm is the cheapest after a speeding ticket ($127) and an at-fault accident ($137). After a DUI, State Farm and Progressive are separated by $1 at $152 and $153, but Progressive's Snapshot program gives drivers with a conviction a concrete path to lower rates over time.
We analyzed 2,474,515 quotes from 607 insurance companies across 3,523 ZIP codes nationwide to determine the most affordable full coverage car insurance rates. All quotes, unless otherwise stated, reflect 50/100/50 liability limits with $500 deductibles for comprehensive and collision coverage, calculated using a standardized profile of a 40-year-old male with a clean driving record operating 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 over five years and has been featured in CNBC, NBC News and Mashable. We update our methodology monthly; the most recent analysis ran in January 2026.
Travelers offers the cheapest full coverage car insurance at $97 a month, 29% below the national average for 100/300/100 liability limits with a $1,000 deductible. GEICO comes in at $98 for identical coverage.
Your specific rate depends on your age, driving record, credit score and location. The table below shows rates from the most affordable car insurance companies across various coverage limits and deductible combinations.
| Travelers | $97 | $1,164 | 29% |
| Geico | $98 | $1,179 | 28% |
| National General | $112 | $1,340 | 18% |
| Amica | $115 | $1,381 | 15% |
| State Farm | $121 | $1,448 | 11% |
*USAA is the cheapest full coverage option at $70 a month, 47% below the national average, but is only available to military members, veterans and eligible dependents.
Travelers offers gap coverage and new car replacement, which GEICO doesn't. Travelers sells through independent agents. Claims go through a person, not a queue. Disputes and first claims are easier to resolve that way. Agent quality varies by location since Travelers uses independent agents rather than a direct network. Expect above-average hold times on the phone. Chat is faster for most requests.
GEICO at $98 has no agent step and handles most needs through an app. For a driver who owns their car outright with a clean record, that trade is fine. For a financed vehicle or a first-time policyholder, the extra dollar buys an agent relationship that matters when something goes wrong.
GEICO is the cheapest full coverage provider for 50/100/50 liability limits in 17 states. Its lowest rate is $53 a month in Idaho. Travelers leads in 10 states, while regional insurers take the top spot in 24 states combined, including Plymouth Rock in Massachusetts at $56 and Co-operative Insurance in Vermont at $53.
AIG leads Alabama at $72, though its national rate for the same profile is $199. It prices selectively under its Private Client Select model and is not a standard consumer option outside the states where it competes directly.
The cheapest carrier and coverage tier for each state are in MoneyGeek's car insurance rates by state guide and the filterable table below.
| Alabama | AIG | $72 | $870 | 32% |
| Alaska | Geico | $84 | $1,010 | 23% |
| Arizona | Travelers | $88 | $1,050 | 34% |
| Arkansas | Farm Bureau | $90 | $1,075 | 30% |
| California | Progressive | $87 | $1,040 | 34% |
| Colorado | American National | $75 | $901 | 50% |
| Connecticut | Geico | $68 | $818 | 53% |
| Delaware | Travelers | $81 | $972 | 56% |
| District of Columbia | Chubb | $122 | $1,466 | 38% |
| Florida | Travelers | $103 | $1,232 | 49% |
| Georgia | Geico | $85 | $1,025 | 37% |
| Hawaii | Geico | $62 | $747 | 30% |
| Idaho | Geico | $53 | $638 | 36% |
| Illinois | Geico | $67 | $799 | 39% |
| Indiana | Hastings Insurance | $62 | $739 | 29% |
| Iowa | Travelers | $68 | $821 | 32% |
| Kansas | Geico | $71 | $853 | 42% |
| Kentucky | Travelers | $95 | $1,140 | 30% |
| Louisiana | Geico | $142 | $1,709 | 36% |
| Maine | Travelers | $56 | $669 | 32% |
| Maryland | Geico | $84 | $1,009 | 43% |
| Massachusetts | Plymouth Rock Insurance | $56 | $672 | 46% |
| Michigan | Geico | $69 | $828 | 51% |
| Minnesota | Westfield Insurance | $76 | $910 | 34% |
| Mississippi | Farm Bureau | $87 | $1,039 | 33% |
| Missouri | Travelers | $82 | $986 | 38% |
| Montana | State Farm | $74 | $891 | 41% |
| Nebraska | Farmers Mutual Ins Co of NE | $67 | $808 | 42% |
| Nevada | Travelers | $94 | $1,125 | 32% |
| New Hampshire | Geico | $63 | $761 | 28% |
| New Jersey | NJM Insurance | $101 | $1,207 | 38% |
| New Mexico | Geico | $86 | $1,037 | 28% |
| New York | Progressive | $59 | $710 | 50% |
| North Carolina | State Farm | $51 | $617 | 50% |
| North Dakota | Geico | $64 | $763 | 37% |
| Ohio | Geico | $68 | $811 | 31% |
| Oklahoma | Progressive | $88 | $1,057 | 35% |
| Oregon | Country Financial | $61 | $737 | 42% |
| Pennsylvania | Travelers | $65 | $779 | 49% |
| Rhode Island | Quincy Insurance | $76 | $906 | 43% |
| South Carolina | American National | $66 | $794 | 48% |
| South Dakota | Progressive | $58 | $692 | 49% |
| Tennessee | Auto Owners | $78 | $940 | 25% |
| Texas | State Farm | $99 | $1,185 | 34% |
| Utah | Geico | $87 | $1,041 | 33% |
| Vermont | Co-operative Insurance | $53 | $637 | 34% |
| Virginia | Travelers | $60 | $720 | 40% |
| Washington | Progressive | $89 | $1,071 | 18% |
| West Virginia | Geico | $91 | $1,093 | 25% |
| Wisconsin | Geico | $56 | $668 | 37% |
| Wyoming | American National | $65 | $779 | 34% |
"In 22 states, stepping up to 100/300/100 with a $1,000 deductible costs less than 50/100/50 with a $500 deductible from the same insurer. The deductible difference offsets the increase in the liability limit. Delaware is the clearest example: Travelers charges $81 at 50/100/50 but $74 for 100/300/100. That's $7 less a month for more liability coverage. The only trade-off is a higher deductible if you file a claim." - Mark Fitzpatrick, Licensed Property and Casualty (P&C) Insurance Producer in Connecticut
GEICO charges $234 a month for young drivers and $95 for adults with the same coverage. The gap is $139 a month and closes by 25. Car insurance rates fall at age 25 becauseinsurers reset the risk category at that age. Rates rise again at 65. Amica raises rates 12% at that age. Travelers raises them 36%.
GEICO is the cheapest full coverage provider for young drivers at $234 a month. Travelers is $4 more at $238. A first-at-fault accident or a disputed claim is easier to resolve with an agent in your corner. That matters more at this life stage than it will at 40. Travelers is worth the extra $4 if this is the driver's first policy. GEICO at $234 works if the driver is comfortable handling claims through an app.
National General at $253 is worth a quote if a driver has been declined elsewhere. Most standard carriers won't write policies for that profile. National General will. It ranks below average on claims handling and digital tools. For a declined driver who needs coverage, that trade is worth accepting.
A standalone policy for a 20-year-old costs roughly double what a family policy costs for the same driver. Staying on a family policy through the mid-20s almost always costs less.
| Geico | $234 | $2,803 | $1,061 | 27% |
| Travelers | $238 | $2,861 | $1,003 | 26% |
| National General | $253 | $3,042 | $822 | 21% |
| State Farm | $262 | $3,149 | $715 | 19% |
| Amica | $281 | $3,374 | $491 | 13% |
*Teen drivers under 18 cannot legally purchase their own insurance without parental consent in most states.
GEICO provides the cheapest full coverage for seniors at $117 a month, $15 less than the next option and $180 less a year. GEICO keeps rates competitive for seniors through its self-service model. The app and website handle most policy needs. Seniors comfortable managing renewals and claims digitally get the benefit of the lower pricing.
Amica at $132 earns the second-highest claims satisfaction score in the J.D. Power 2024 Auto Claims Satisfaction Study among carriers in this group. GEICO is cheaper. Amica scores higher on claims handling. For a senior choosing between the two, that $15 gap is a real trade-off.
State Farm charges $134 for seniors. Drive Safe & Save can cut that to as low as $94, which is $23 below GEICO's rate. The program requires a telematics app. Without it, State Farm's rate stays at $134. For a senior with a clean record who is comfortable with a telematics app, State Farm is the cheapest option on the page.
| Geico | $117 | $1,408 | $572 | 29% |
| Amica | $132 | $1,587 | $393 | 20% |
| State Farm | $134 | $1,605 | $375 | 19% |
| Travelers | $135 | $1,626 | $354 | 18% |
| National General | $139 | $1,664 | $316 | 16% |
Seniors who complete an approved defensive driving course qualify for government-mandated discounts of 5% to 15% in 35 states and Washington, D.C. Call your insurer before signing up. Not all carriers advertise it, and completing the course without confirming first may not trigger the discount.
A DUI adds the most: $108 a month, 80% above the cost of a clean record. An at-fault accident adds $55. A speeding ticket adds $32. Most drivers assume a DUI and a bad accident cost about the same. State Farm and Travelers offer the lowest high-risk rates across all three violation types. Both charge 21% to 37% less than the national average.
Violations age off your record in three to five years, depending on your state. Your rate drops at each renewal in that window, not just when it fully clears.
State Farm and GEICO are the cheapest providers after a speeding ticket, separated by $1 at $127 and $128 a month. State Farm's Drive Safe & Save program gives drivers with a fresh violation a concrete path to lower rates at renewal as the ticket ages off. The program requires telematics enrollment. Without it, State Farm's rate stays at $127 with no path down. GEICO at $128 handles claims through its app with no agent step. For a first violation, that works. For a disputed claim, it doesn't.
| State Farm | $127 | $1,522 | 24% |
| Geico | $128 | $1,537 | 23% |
| Travelers | $132 | $1,579 | 21% |
| Amica | $145 | $1,737 | 14% |
| UAIC | $148 | $1,773 | 12% |
State Farm prices are lowest after an at-fault accident at $137. It is the pick if the rate is the only priority. Travelers at $141 is the better choice for drivers with one accident, who are more likely to have another.
Travelers' accident forgiveness add-on prevents your rate from rising after a second incident. State Farm's accident forgiveness requires nine years of clean driving history and cannot be purchased as an add-on. Most drivers with a recent at-fault accident don't qualify. Check your state's rules before assuming a prior clean record will keep your premium from rising after a claim.
| State Farm | $137 | $1,640 | 28% |
| Travelers | $141 | $1,688 | 26% |
| Amica | $147 | $1,769 | 22% |
| Geico | $149 | $1,787 | 22% |
| National General | $163 | $1,955 | 14% |
State Farm and Progressive are the cheapest after a DUI, $1 apart at $152 and $153 a month. State Farm prices lowest at $152. Its policy terms are standard: no telematics requirement, no behavioral monitoring. The national average for a clean-record driver is $135. A DUI driver at State Farm pays $17 more a month than the average. Most drivers with a DUI assume the rate gap is far larger.
Progressive at $153 is the right choice if the DUI is more than a year in the past, and you drive cautiously. Snapshot rewards safe driving regardless of what's on your record. It's the only major telematics program that doesn't use conviction history as a starting point. Your rate may tick up in the first monitoring period before savings kick in. Watch your first few months closely.
Travelers at $162 carries accident forgiveness as an add-on. For a driver already carrying a DUI, a second incident without that coverage would layer a new rate increase on top of an already high base rate.
| State Farm | $152 | $1,827 | 37% |
| Progressive | $153 | $1,839 | 37% |
| Travelers | $162 | $1,945 | 33% |
| National General | $196 | $2,347 | 20% |
| UAIC | $207 | $2,487 | 15% |
After a DUI, not all carriers issue new policies, so confirm SR-22 availability before comparing the most affordable SR-22 rates and applying for coverage. Eight states don't require an SR-22 at all: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania. Florida and Virginia use a similar form, the FR-44, that requires higher coverage limits. In the remaining states, an SR-22 is a form your insurer files with the state to confirm that you carry the required minimum coverage.
National General offers the lowest full coverage rates for drivers with poor credit at $140 a month. National General and UAIC, at $161, both specialize in higher-risk drivers. Both beat mainstream insurers on price but often rank below average on claims handling and app quality. GEICO at $169 is the cheapest standard carrier for bad-credit drivers. Unlike National General and UAIC, it supports bundling, has full digital tools and won't be difficult to switch from once your credit improves.
Improving one credit tier saves roughly 17% a year. California, Hawaii, Massachusetts and Michigan ban credit entirely from rate calculations. For drivers in every other state, credit is the most powerful rate factor they can improve.
| National General | $140 | $1,683 | 42% |
| UAIC | $161 | $1,933 | 33% |
| Geico | $169 | $2,027 | 30% |
| Kemper | $183 | $2,201 | 24% |
| Travelers | $197 | $2,367 | 18% |
*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.
Poor credit nearly doubles premiums at most major carriers. Travelers charges $99 for adult drivers with good credit and $197 with poor credit, a 99% increase for the same profile and coverage. A Travelers driver with poor credit and a clean record pays $197. A Travelers driver with good credit and a recent at-fault accident pays $141. At Travelers, your credit score costs more than your last accident. National General's increase is far smaller: $112 at good credit vs $140 at poor, a 25% difference. That gap explains why National General leads for bad-credit drivers. Its pricing model penalizes credit far less than standard carriers do.
USAA offers the cheapest full coverage car insurance for military drivers, veterans and their families at $70 a month, 47% below the national average. For drivers without USAA eligibility, Travelers is next at $97 a month. That's still 21% lower than the national average.
| USAA | $70 | $835 | 47% |
| Travelers | $97 | $1,158 | 21% |
| National General | $109 | $1,313 | 15% |
| Amica | $117 | $1,406 | 6% |
Travelers, Progressive and GEICO rank as the best full coverage car insurance companies in MoneyGeek's analysis of the top national providers. Travelers earns the highest MoneyGeek score of 4.7 out of 5, with the strongest affordability rating in the group and a broad range of optional protections. Progressive follows at 4.6 with the highest coverage score. The right pick depends on your priorities. Travelers leads in value and GEICO in price. Progressive scores highest on coverage depth.
| 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 |
Travelers earns the highest MoneyGeek score for full coverage policies at 4.7 out of 5. At $97 a month, it's the cheapest full coverage option available nationwide for drivers with clean records and good credit. Its IntelliDrive telematics program can save safe drivers up to 30%. New-car replacement and accident forgiveness are good add-ons for drivers with newer or financed vehicles.
Our Research Findings:
Progressive earns a MoneyGeek score of 4.6 out of 5, with the highest coverage score in our analysis at 4.9. At $153 a month, it's not the cheapest full coverage option. No standard carrier includes more add-ons in a single policy. It's the right pick for drivers who need protections Travelers and GEICO don't offer.
Key add-ons: gap insurance covers the difference between your loan balance and your car's value after a total loss. Its deductible savings bank cuts your deductible by $50 for every claim-free period. Custom parts coverage pays to replace aftermarket upgrades a standard policy excludes. Snapshot, its telematics program, can lower your rate over time regardless of your prior record.
Our Research Findings:
The right full coverage policy balances the right coverage amount against what you can afford out of pocket at claim time. Read our guide on what full coverage includes before buying, so you know what you're paying for.
Stacking telematics with bundling and a good student discount can reduce full coverage by $600 to $900 a year. Most drivers miss those savings by not stacking car insurance discounts before comparing carriers. The programs below have the highest savings ceiling for full coverage drivers:
National General | Poor credit drivers | Lowest base rates for poor credit, multi-car available | 41% below national average |
Progressive | Drivers with violations | Snapshot telematics rewards safe driving, accident forgiveness tiers, good student 5% | Competitive high-risk rates |
Liberty Mutual | Military families | Military Benefit Association up to 12%, bundling saves over $950 a year | Variable military discounts |
State Farm | Safe drivers | Drive Safe & Save up to 30%, good student up to 25%, bundling up to 17-25% | Up to 30% safe driving |
Travelers | Young drivers 16–25 | Good student up to 25%, driver training up to 8%, IntelliDrive telematics up to 30% | Up to 30% telematics, 25% student |
GEICO | Multi-car households | Multi-car up to 25%, bundling up to 25%, good student up to 15%, military up to 15% | 25% multi-car/bundling combined |
USAA | Military and veterans | Deployment storage up to 60%, on-base parking up to 15%, legacy discount up to 10% | 47% below national average |
Five decisions within your control determine your full coverage rate.
Shop across carriers and include at least one regional insurer. Price differences between carriers average $1,200 a year for identical full coverage. Regional carriers beat national providers in 24 states, and most drivers never quote them. Use the state table above to find who leads in your state.
In 22 states, stepping up to 100/300/100 with a $1,000 deductible costs less than 50/100/50 with a $500 deductible from the same carrier. The deductible difference offsets the increase in the liability limit. Delaware is the clearest example: Travelers charges $7 less a month for the higher-limits policy. Choose a higher deductible only if you can cover that amount out of pocket after a claim.
Your full coverage rate isn't fixed. Violations fall off your record after three to five years, and your rate drops at each renewal in that window. Credit is a separate lever. Moving from poor to good credit cuts full coverage premiums by close to 100% at some carriers. Travelers charges $99 at good credit and $197 at poor credit on the same profile. California, Hawaii, Massachusetts and Michigan do not use credit in rate calculations. Rates also drop at 25 when insurers reset the young driver risk category.
If your annual comprehensive and collision premium plus your deductible approaches your car's current value, dropping those coverages often makes more financial sense. Check your car's value at each renewal using Kelley Blue Book. If you are financing or leasing, your lender requires full coverage regardless of vehicle value.
Full coverage rates are directly tied to your vehicle's value and repair costs. A 2025 BMW M4 costs $4,575 a year to insure. A 2025 Subaru Legacy costs $2,285. The $2,290 annual difference is larger than the savings from switching carriers for most drivers.
Drivers in the four states that ban credit in rate calculations (California, Hawaii, Massachusetts and Michigan) won't see credit-related differences, but vehicle choice still affects their rate. Before buying a car, check insurance costs for that specific make and model.
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. The table below shows how average costs shift across coverage tiers and deductible levels.
| 50/100/50 liability with $500 comprehensive and collision deductibles | $219 | $2,631 |
| 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 |
Factors That Affect the Cost of Full Coverage Car Insurance
These factors determine your rate for a full coverage car insurance policy:
Vehicle model and age
Gender
Liability limits
Driving record
Driver's age and experience
Location
Credit history
Previous claims
Deductible amount
State laws
Travelers offers the cheapest full coverage option nationwide at $97 a month and the highest MoneyGeek score. For most clean-record adult drivers, Travelers at $97 or GEICO at $98 is a strong starting point. If you have a violation, State Farm is the most forgiving after a speeding ticket or at-fault accident. After a DUI, State Farm and Progressive are effectively tied at $152 and $153. For bad credit, National General at $140 a month beats every standard carrier. Military families should check USAA first at $70 a month before comparing anyone else.
The single biggest mistake MoneyGeek sees drivers make is defaulting to their current carrier at renewal without shopping. The gap between the cheapest and most expensive full coverage options for the same driver averages $1,200 a year. And the cheapest carrier today is not always the cheapest carrier in five years. Travelers and National General both price lowest for adult drivers. Neither does at 65.
Next Steps
Cheap full coverage car insurance costs and coverage rules confuse a lot of drivers. These questions come up most often.
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, it is worth pricing out.
Most standard carriers won't issue a new policy with a suspended license. Nonstandard carriers like National General may, but rates will be much higher. You'll likely need an SR-22 filing as well.
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.
This page is built on MoneyGeek's broadest full coverage dataset: 2,474,515 quotes from 607 companies across 3,523 ZIP codes. The data covers every state and a range of driver profiles, coverage tiers and deductible levels. The scale of the dataset is what makes the cross-tier and regional carrier findings possible. These patterns only appear when you have enough observations per state to compare the same insurer across multiple coverage configurations. Read our full auto insurance methodology here.
How we scored providers: MoneyGeek weighted five factors for the scores in the provider table above.
Baseline driver profile: 40-year-old male, clean driving record, good credit, 2012 Toyota Camry, 12,000 miles a year. All rates reflect this profile. Sections covering young drivers, seniors and violations each use their own.
Coverage tiers explained:
Why we compare across tiers: The 22-state cross-tier finding is the reason this page presents rates at both 50/100/50 and 100/300/100. In those states, the 100/300/100 rate is lower despite higher limits, a result of the $500 deductible difference offsetting the liability limit increase. Presenting only one tier would hide that trade-off entirely.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's lead analyst for the auto insurance vertical. Building this page meant working through 2,474,515 rate observations across 607 companies and 3,523 ZIP codes, the largest dataset MoneyGeek runs for any single coverage type.
Two findings from that analysis shaped the recommendations on this page in ways a surface-level rate comparison wouldn't. First: in 22 states, 100/300/100 coverage with a $1,000 deductible costs less a month than 50/100/50 with a $500 deductible from the same insurer. That pattern inverts the default assumption that higher limits always cost more, and it appears only when you compare tiers, not just companies. Delaware is the clearest example in the data, where Travelers charges $7 less a month for the higher-limits policy. Second: regional insurers, not national brands, offer the lowest rates in 24 states combined. AIG prices lowest in Alabama at both coverage tiers. Hastings is cheapest in Indiana, and COUNTRY Financial is cheapest in Oregon at 50/100/50. Drivers in those states who get quotes only from national carriers are comparing against the wrong field.
Mark's P&C license is most useful on this page for evaluating the policy conditions behind the rate differences: specifically, the eligibility requirements that limit State Farm's accident forgiveness to drivers with tenure and clean records (which means most at-fault accident drivers don't qualify), and the first-term monitoring behavior of Progressive's Snapshot program, where rates can move upward before discounts apply.
His analysis has been cited in The Washington Post, The New York Times and NPR. He holds a master's degree in economics and international relations from Johns Hopkins University and a bachelor's degree from Boston College.
Mark's rate analysis is conducted independently of MoneyGeek's insurance company partnerships. He's also a five-time Jeopardy champion!
