Cheapest Full Coverage Car Insurance

Travelers is cheapest at $97/month and GEICO is second at $98/month for identical 100/300/100 coverage with a $1,000 deductible. Both are 29% below the national average. At $1/month apart, price isn't the deciding factor here.

How to choose: Pick GEICO if you want a fully digital experience and own your car outright. Pick Travelers if you carry a financed vehicle, are a first-time policyholder, or want an agent relationship when something goes wrong. Travelers also offers gap insurance and new car replacement, which GEICO doesn't.

*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.

Three things matter when reading this table. First, who is cheapest in your state. GEICO leads in 17 states, Travelers in 10, and regional carriers win the remaining 24, often by a wide margin. 

The "vs. state average" column shows how much you can save on average by comparison shopping on a ful coverage policy. And if the cheapest option is a regional carrier, confirm it writes policies in your ZIP code before counting on its rate. National carriers like GEICO and Travelers are available in nearly every ZIP code in the country.

Full coverage car insurance rates are highest at 16 and drop significantly by 25. They rise again after 65, but not equally across carriers. Travelers raises rates 36% at 65. Amica raises them 12%. Shopping at each life stage matters more than staying loyal to one carrier.

GEICO is cheapest for young drivers at $234/month. Travelers is $4 more at $238/month.

How to choose: At $4/month apart, the decision comes down to what the driver needs. GEICO works well for young drivers comfortable managing claims through an app. Travelers sells through agents, which matters more on a first policy when a claim or dispute is unfamiliar territory. 

One other option worth knowing: National General at $253/month will write policies for drivers who have been declined by standard carriers. Its claims handling and digital tools rank below average, but for a driver who can't get coverage elsewhere, it fills the gap.

*Teen drivers under 18 cannot legally purchase their own insurance without parental consent in most states.

GEICO has the cheapest full coverage for seniors at $117/month. Amica is the next lowest price at $132/month and State Farm is affordable at $134/month.

How to choose: GEICO wins on price and works well for seniors comfortable managing renewals and claims through an app or website. Amica at $132/month earns one of the highest claims satisfaction scores in the J.D. Power Auto Claims Study. For a senior weighing $15/month against better claims handling, that's a real trade-off worth making. State Farm at $134/month is worth a closer look if you're open to telematics. Its Drive Safe and Save program can cut the rate to as low as $94/month for low-mileage drivers with clean records, $23 below GEICO's base rate.

Seniors who complete an approved defensive driving course qualify for discounts of 5% to 15% in 35 states and Washington D.C.

State Farm and Travelers are the most consistent carriers across all three violation types, both charging 21% to 37% below the national average for high-risk profiles. Progressive is the third name worth knowing, particularly after a DUI, where its Snapshot telematics program is the only major usage-based option that doesn't use conviction history as a starting point.

A violation doesn't just add points to your record. It raises your rate at renewal for three to five years depending on the state and violation type. A DUI adds the most, roughly $108/month or 80% above a clean-record rate. An at-fault accident adds $55/month. A speeding ticket adds $32/month. Your rate drops at each renewal as the violation ages, not just when it fully clears.

State Farm is cheapest at $127/month and GEICO is second at $128/month, a $1/month difference.

At $1 apart, the decision comes down to what you want from your carrier. State Farm's Drive Safe and Save program gives drivers with a fresh ticket a path to lower rates at each renewal as the violation ages. GEICO at $128 handles everything through its app with no agent step.

State Farm is cheapest at $137/month and Travelers is second lowest at $141/month.

State Farm wins on price. Travelers is the better pick for drivers who've had one accident and are statistically 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 can't be purchased as an add-on.

State Farm is cheapest full coverage with a DUI at $152/month and Progressive is second  cheapest at $153/month.

State Farm prices lowest with no telematics requirement and standard policy terms. At $152/month. Progressive at $153/month is worth choosing if the DUI is more than a year old and you drive cautiously. Its Snapshot program rewards safe driving regardless of conviction history. It's the only major telematics program that doesn't use your record as a starting point. 

Confirm SR-22 availability with your carrier before binding coverage. Not all carriers issue new policies after a DUI. Eight states don't require an SR-22: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania. Florida and Virginia use a similar FR-44 form that requires higher coverage limits. See cheapest SR-22 insurance for more.

National General is cheapest for bad credit at $140/month. UAIC is second at $161/month. Both specialize in high-risk drivers and price bad credit far more leniently than standard carriers, but rank below average on claims handling and digital tools. GEICO at $169/month is the cheapest standard carrier and worth the extra $29/month if you want full digital tools and an easier path to switching once your credit improves.

Bad credit nearly doubles premiums at most major carriers. Travelers charges $99/month for good credit and $197/month for poor credit, the same driver, same coverage. National General's increase is far smaller, $112 to $140, which is why it leads for this profile.

Credit is banned as a rating factor in California, Hawaii, Massachusetts, and Michigan. In every other state, improving your score before renewal has a direct impact on your premium. Read more about how credit score affects your rate.

*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.

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.

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.

Travelers at $97/month is the strongest starting point for most drivers. For violations, State Farm is most forgiving after a ticket or accident. State Farm and Progressive tie after a DUI. For bad credit, National General at $140/month beats every standard carrier. Military families should check USAA at $70/month first.

The biggest mistake drivers make is auto-renewing without shopping. The gap between cheapest and most expensive for the same driver averages $1,200/year.

Next steps:

1. Find your profile in the tables above and note the two cheapest carriers.
2. Get quotes from both, plus the leading regional carrier in your state.
3. Stack discounts before comparing final rates. Telematics and bundling have the highest combined savings ceiling.

Cheap full coverage car insurance costs and coverage rules confuse a lot of drivers. These questions come up most often.

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.

• 30% affordability: Quadrant Information Services rate data across all coverage tiers for the base driver profile
• 30% customer satisfaction: J.D. Power Insurance Shopping Study scores plus state regulator complaint indexes
• 20% claims: J.D. Power Claims Satisfaction Study scores, checked against CRASH Network grades
• 10% coverage: Optional add-ons available for full coverage customers
• 5% financial stability: AM Best financial strength ratings

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:

• 50/100/50: $50,000 bodily injury per person / $100,000 per accident / $50,000 property damage, with $500 deductibles for collision and comprehensive.
• 100/300/100: $100,000 bodily injury per person / $300,000 per accident / $100,000 property damage, with $1,000 deductibles for collision and comprehensive. This is MoneyGeek's recommended standard for most drivers.
• 300/500/300: $300,000 bodily injury per person / $500,000 per accident / $300,000 property damage, with $1,500 deductibles.

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.