GEICO offers the most affordable full coverage at $151 monthly, 28% below the national average. Other budget-friendly options include Kemper, UAIC, Nationwide and Travelers, all of which have rates below the national average:
Cheapest Full Coverage Car Insurance
Updated: July 7, 2025
Advertising & Editorial Disclosure
Cheap Full Coverage Car Insurance: Key Takeaways
GEICO provides the cheapest full coverage car insurance, averaging $151 per month or $1,812 per year.
With monthly rates averaging $70, USAA offers the cheapest full coverage car insurance for military veterans and their families.
Travelers offers the best cheap full car insurance with a runner-up coverage score of 26 and an industry-best MoneyGeek score of 94 out of 100.
Why You Can Trust MoneyGeek
Our cheapest car insurance rankings are based on a comprehensive analysis of 2,474,515 quotes from 607 insurance companies across 3,523 ZIP codes nationwide. Mark Fitzpatrick, a licensed insurance expert and industry analyst, has reviewed our methodology. 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% |
| Kemper | $160 | $-49 | -23% |
| UAIC | $175 | $-34 | -16% |
| Nationwide | $179 | $-30 | -14% |
| Travelers | $191 | $-18 | -9% |
| Chubb | $203 | $-7 | -3% |
| Amica | $208 | $-1 | 0% |
| AAA | $214 | $5 | 2% |
| Progressive | $216 | $7 | 3% |
| State Farm | $247 | $38 | 18% |
Tired of overpaying for full coverage car insurance? We've analyzed the data and rounded up the top three cheapest companies in 2025, plus one bonus company that's the cheapest of all (if you qualify).
In the video below, Mark Fitzpatrick, MoneyGeek's resident personal finance expert, breaks down what full coverage includes, when it's worth it and five proven ways to lower your premium without switching companies.
Best Full Coverage Car Insurance Rates
Your rate depends on personal factors like age, driving record and credit score. To help you identify the cheapest car insurance 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:Male
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Age Group:Adult Drivers
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Driving Record:Clean
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Credit Alignment:Good
| Travelers | $97 | $-39 | -29% |
| Amica | $115 | $-21 | -15% |
| State Farm | $121 | $-15 | -11% |
| Progressive | $125 | $-11 | -8% |
| Nationwide | $127 | $-9 | -6% |
| Chubb | $140 | $4 | 3% |
| Farmers | $152 | $16 | 12% |
| Allstate | $161 | $26 | 19% |
Cheapest Full Coverage Car Insurance by State
Your state is a major factor in full coverage car insurance costs. The table below allows you to filter for each state's cheapest car insurance companies.
Data filtered by:Results filtered by:
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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 COST
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 substantially after age 25, then gradually increase 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 to 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% |
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.
Cheapest Full Coverage Car Insurance for High-Risk Drivers
Drivers with violations face higher premiums, but substantial savings remain when comparing providers. Below are the cheapest full coverage policies for high-risk drivers by company.
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% |
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% |
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 substantially 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% |
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 substantially 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:
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Credit Level:Poor
| Kemper | Poor | $202 | $-123 | -38% |
| 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% |
HOW CREDIT SCORE AFFECTS CAR INSURANCE RATES
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 see their rates double if they have poor credit. Improving your credit score will likely substantially decrease your full coverage costs.
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 monthly. 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 | 95 | 26 |
| GEICO | 91 | 23 |
| Amica | 90 | 25 |
| Progressive | 89 | 29 |
| National General | 86 | 23 |
| State Farm | 86 | 23 |
*Our scoring weighs affordability (40%), customer satisfaction (25%), claims satisfaction (20%), coverage offerings (10%) and financial stability (5%).
Cheap Full Coverage Car Insurance: Buyer's 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 reduce your car insurance costs:
- 1
Get quotes from multiple insurers
Insurance companies calculate risk differently, creating rate variations of hundreds of dollars for identical coverage. Always compare quotes from at least three to five providers.
- 2
Maximize discounts
Discounts can substantially 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 substantial 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% to 15%. Ensure you have savings to cover the higher amount if needed.
- 4
Consider an annual payment plan
Many insurers offer 5% to 10% discounts for paying your entire premium upfront, 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 about 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% to 30% on premiums. Check maintenance records or track your driving for a month to calculate actual mileage.
MONEYGEEK EXPERT TIP
While higher deductibles mean lower monthly payments, you must 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.
How Much Should Full Coverage Car Insurance Cost?
On average, full coverage car insurance costs $2,575 per year. How much you pay for full coverage car insurance depends on factors like age, location, driving record and coverage choices. For coverage choices, two factors that heavily influence the cost of full coverage car insurance are your liability limits and deductibles.
| 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 |
Read more: Average Cost of Car Insurance
Factors That Affect the Cost of Full Coverage Car Insurance
These factors 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's age and experience
Location
Credit history
Previous claims
Deductible amount
State laws
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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Rates updated:
Jul 07, 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: $100,000 for bodily injury per person, $300,000 per accident and $100,000 for property damage. Also, consider comprehensive and collision coverage with affordable deductibles.
Key factors to determine your coverage needs include:
- Loan/Lease requirements: Lenders often require comprehensive and collision coverage with deductibles 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 substantial 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 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 isn't financially prudent.
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:
Coverage Type | 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 damage to your car. State laws usually require this, but consider purchasing limits above the minimum for better financial protection. Leasing or financing may require additional coverage, like GAP insurance. | |
Comprehensive | Pays for repairs to your vehicle from noncollision 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 | 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 — Homeowners or renters insurance covers items stolen from your car.
- Normal wear and tear — Routine maintenance and aging aren't covered.
Should You Buy Full Coverage Auto Insurance?
Most insurance professionals suggest getting full coverage, but an important exception is older cars with low market value. Here's the key question: Does your annual premium cost more than your car is worth? If so, you're essentially paying more for insurance than your vehicle's actual value.
Check your car's current worth using tools like Kelley Blue Book. Basic liability coverage makes more sense for older vehicles where insurance costs outweigh the car's value. Similarly, full coverage becomes less critical if you have enough savings to handle repairs or buy a replacement car without strain.
The bottom line: weigh your car's value against your insurance costs and financial situation to make the smartest choice.
When to Get Full Coverage Auto Insurance
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 is 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 has the cheapest full coverage car insurance at $151 monthly, but the best deal depends on your situation. Young and senior drivers save the most with GEICO, and drivers with violations get better rates from this company. For 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: GEICO excels for young drivers and Kemper works best for those with poor credit, GEICO 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 minimum coverage because it includes comprehensive and collision protections, covering damage to your vehicle from accidents, theft or natural disasters. Liability-only policies cover only damage or injury you cause to others.
How does credit score affect full coverage rates?
In most states, poor credit substantially increases premiums. Drivers with poor credit pay 105% more than those with excellent credit. Improving just one credit tier saves roughly 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
- 12,000 miles driven annually
To collect data on rates for specific driver characteristics, we modified the average driver profile 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 recommends the cheapest full coverage company and respective premium on this page, we're 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
How We Ranked Best Providers for Affordability
MoneyGeek used sources such as AM Best, J.D. Power, the CARASH Network report card, quote data from Quadrant Information Services and state insurance departments to determine the best cheap car insurance providers.
To create a score for each insurer, MoneyGeek created a weighted ranking system using the following weights:
- Affordability: 40%
- Customer satisfaction: 25%
- Claims satisfaction: 20%
- Coverage offerings: 10%
- Financial stability: 5%
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 Information Institute. "Background On: Credit Scoring." Accessed July 7, 2025.
- Kelley Blue Book. "Actual Cash Value: How It Works for Car Insurance." Accessed July 7, 2025.