Cheapest Full Coverage Car Insurance

Among major insurers available across the country, Travelers offers the cheapest full coverage on average at $96 a month for 100/300/100 liability limits; 31% below the national average. Liability limits represent how many thousands of dollars of property and injury damage you're covered for if you're at-fault for an accident and it's vital that you understand how much you need before you shop around for a full coverage policy. 

GEICO is next at $101 a month, although it offers fewer coverage options and its customer experience is oriented around its app rather than human agents (like Travelers is). In truth, a difference of $5 per month is minor for country-wide averages and GEICO could actually be cheaper for you. You should get quotes from all of our cheapest insurers and also keep in mind whether they have the type of coverages and customer experience you want.

*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 and GEICO are the cheapest companies for full coverage on average, and they're also good value given their broad coverage options and customer experience. But MoneyGeek's analysis of the top national providers also found that Progressive is a good value full coverage option despite being more expensive on average. 

For instance, Progressive scores poorly for affordability compared to the cheapest options because its full coverage policies cost $127 per month, but buyers are complimentary of the buying process, policy customizability and claims experience; the latter is especially important when you're in an accident that requires taking advantage of the full coverage you paid for.

Travelers and GEICO score very well for affordability but are weaker than Progressive in some other categories. With Travelers you'll get a very affordable policy good claims experience though you may not have the breadth of coverage options of other insurers; with GEICO, you'll save on your monthly bill but your policy will only have the standard coverage options like liability, comprehensive and collision and roadside assistance.

GEICO and Travelers are the cheapest companies for the country as a whole, but rates by state can be vary widely and the companies you should start getting quotes for may depend on where you live. GEICO is the cheapest in 14 states and Travelers in 10, but you shouldn't underestimate regional insurers, which are the cheapest in 17 states. 

Companies like American National (cheapest in Colorado, South Carolina and Wyoming) or Auto-Owners Insurance (cheapest in Georgia, Missouri and Ohio) may not have the brand reach of some big names, but they often are the most affordable on average for the states in which they're available.

Travelers offers the cheapest rates for young drivers (ages 16 to 25) at $231 a month, $17 less than GEICO's $248. That gap comes down to price preference. Travelers routes claims through agents, which matters more on a first policy when a dispute or claim is unfamiliar. GEICO is the right choice if you want to manage everything through an app and the price difference matters less than the convenience.

National General at $249 a month writes policies for drivers who've been declined by a standard company. Its claims handling and digital tools rank below average, but if a standard company won't write the policy, it covers you.

Comparing full coverage policies when you have a teen in the house is especially important as drivers aged 16 to 18 pay far more than experienced drivers. For example, if you save 12% on your policy by buying Travelers instead of State Farm, those savings will translate into dozens of dollars per year if you're a single adult but hundreds of dollars per year if you're a family with a teen.

*Teen drivers under 18 cannot legally purchase their own insurance without a parent/guardian as a co-signer in most states.

GEICO is the cheapest for seniors at $124 a month, but Amica, one of the top rated companies in JD Power's 2025 Auto Claims Satisfaction Study, only costs $6 more.  If you're a senior looking for an affordable car insurance policy, you should consider paying slightly more for Amica, which ranks 7th among major insurers for claims satisfaction, rather than the absolute cheapest insurers such as GEICO, which ranks 15th and scores below average for claims experience. 

Seniors who drive less than 5,000 miles a year should also check quotes with State Farm. It costs $134 per month on average, but its Drive Safe & Save program can cut the rate to as low as $94 a month for low-mileage drivers with clean records, $30 below GEICO's base rate before any telematics discount.

Bargain hunting seniors should also consider completing an approved defensive driving course, which will often garner you discounts of 5% to 15% in 34 states and Washington, D.C. It's a one-time action that lowers your rate at the next renewal.

It's even more important for drivers with violations on their records to shop around for the cheapest policy than it is for normal drivers. Insurers almost always impose higher rates after a violation but the severity of that increase can vary a lot. We found that State Farm is the cheapest for those with a DUI ($156 per month), Travelers is cheapest for those with an at-fault accident ($137 per month) and that both State Farm and Travelers tie as the cheapest on averate for those with a speeding ticket ($128 per month). 

However, the three cheapest options for these violations usually differ by less than $10 per month. Like all other types of drivers, those with a driving record should try to balance minor differences in cost with how much you value a strong service experience. For example, Progressive is only $8 more per month than State Farm for drivers with a DUI, but has a strong coverage and service experience as discussed in our reviews section.

Travelers and State Farm both cost an average of $128 a month after a speeding ticket, meaning that for our sample drivers the rates are almost literally equivalent. But that doesn't mean they'll be equivalent for you: compare both insurers and also take advantage of the ways they reward safe driving in the future to offset your surcharge. State Farm's Drive Safe & Save program lets drivers with a fresh ticket earn rate reductions at each renewal as the violation ages. Travelers' IntelliDrive program tracks when you drive, how fast you drive and how you brake and accelerate and will reward you with discounts for good behavior. Both of these insurers start with low rates but give you the opportunity for even more savings.

Travelers is the cheapest insurer after an at-fault accident but only barely: it's one dollar cheaper than State Farm for our sample driver with a full coverage policy and seven dollars cheaper than Amica. A difference in less than $10 means that all three of these insurers are good starting points if you have an accident and what to find the cheapest rate. 

Not to mention, the type of accident and the severity of the damage caused may differ between each insurer. Your unique driver profile and situation could mean that any one of these insurers, or even another insurer entirely, is the cheapest for you. But start with these three as a baseline.

State Farm is the cheapest insurer for full coverage after a DUI at $156 a month, but it's not a clear leader compared to other options: Travelers costs $1 more and Progressive costs $8 more ($164 per month). Considering we are averaging the costs for many types of drivers, a difference of less than $10 is extremely minor and you should be comfortable getting a quote with all three. 

Progressive is not a cheap option for those with tickets or accidents but it is for a DUI, indicating its rate penalty is comparatively minor for more severe violations. If you opt for Progressive you should look into its Snapshot telematics program to save even more money based on good driving behavior, but confirm eligibility directly with Progressive before enrolling, since availability varies for drivers with an active SR-22 requirement.

Not all companies write new policies after a DUI, so check with your insurer before committing. An SR-22 is a certificate, not an insurance policy, that your state requires after a serious violation.

Eight states don't require SR-22 filings: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania (Insure.com, 2026). Florida and Virginia require a similar FR-44 form with higher coverage limits. For rates with an SR-22, see MoneyGeek's cheapest SR-22 insurance guide.

National General is the cheapest for bad credit at $203 a month and UAIC is second at $222. But drivers beware: both specialize in high-risk drivers; claims handling and digital tools rank below average. Although credit scores are not a form of driving risk (like a speeding ticket or DUI), insurers consider those with a poor credit history in high risk of making a claim and thus tend to charge them even more for a full coverage policy than they would for a driving violation. 

If you live in California, Hawaii or Massachusetts the use of credit scores is banned for auto insurance, so you shouldn't consider it a factor when comparing insurers. Michigan restricts its use but doesn't fully prohibit it. In every other state, improving your credit score before renewal lowers your next 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.

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.

MoneyGeek's analysis covers 2,474,515 quotes from 607 companies across 3,523 ZIP codes. The data spans every state across a range of driver profiles, coverage tiers and deductible levels. That volume is what makes the cross-tier and regional carrier findings reliable. The full auto insurance methodology explains the data sources and scoring model in detail.

MoneyGeek weighted five factors for the provider scores:

• 35% 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 and 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 drivers with violations each use a separate profile.

Coverage tiers explained:

• 50/100/50: $50,000 bodily injury per person / $100,000 per accident / $50,000 property damage. Collision and comprehensive deductibles are $500.
• 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. Deductibles at this tier are $1,500.

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.