Travelers offers the cheapest full coverage policies starting at $97 monthly, 29% below the national average. Your specific low-cost full coverage car insurance rate depends on personal factors, such as age, driving record, credit score, and location. On average, drivers choosing Travelers save $217 annually compared to the second most affordable provider, Amica, which charges $115 monthly for similar protection.
Cheapest Full Coverage Car Insurance
Updated: December 29, 2025
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Cheapest Full Coverage Auto Insurance: MoneyGeek's Take
Travelers provides the cheapest full coverage car insurance nationwide, averaging $97 monthly or $1,164 annually or 29% below the national average.
GEICO offers the cheapest full coverage car insurance for seniors, with rates averaging $121 per month or $1,452 annually, resulting in savings of up to 27% compared to the national average.
Travelers also offers the cheapest full coverage quotes for high-risk drivers, with the lowest rates for young drivers ($232), drivers with speeding tickets ($129), at-fault accidents ($137), and DUI convictions ($158).
Cheapest Full Coverage Car Insurance Rates
What are the Best Discounts to Lower Full Coverage Premiums?
Stacking multiple discounts can reduce your full coverage premium by 20% to 35% beyond base rates. Travelers' $97 monthly rate drops to around $75 with a 13% bundling discount and 10% safe driver discount combined, saving you an extra $264 annually on top of already being the cheapest provider. State Farm's $121 monthly rate can fall to $85 with a 30% Drive Safe & Save discount, trimming another $432 off your annual premium.
The table below displays the most affordable full coverage rates for various driver profiles, allowing you to find a premium that suits your situation.
Data filtered by:
Male
Adult Drivers
Clean
Good
| Travelers | $97 | $1,164 | 29% |
| Amica | $115 | $1,381 | 15% |
| State Farm | $121 | $1,448 | 11% |
| Progressive | $125 | $1,503 | 8% |
| Nationwide | $127 | $1,526 | 6% |
Why You Can Trust MoneyGeek
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 reflect MoneyGeek's recommended coverage levels of 100/300/100 liability limits with $1,000 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 unless otherwise stated.
Mark Fitzpatrick, a licensed Property and Casualty Insurance Producer and MoneyGeek's Personal Finance Expert with over five years of experience analyzing insurance markets and features in CNBC, NBC News and Mashable, reviewed our methodology, which we update monthly with our most recent analysis completed in October 2025.
Cheapest Full Coverage Car Insurance Company: Travelers
Travelers
Travelers tops our rankings for full coverage car insurance. It combines competitive pricing, solid coverage options and quality service, making it the best overall value when you want comprehensive and collision coverage.
You can customize your policy with unique add-ons like new car replacement and accident forgiveness without breaking the bank. Travelers gets high ratings for financial stability and claims handling, plus you get local agents for personal service and the IntelliDrive program that rewards safe driving.
Cheapest Full Coverage Car Insurance Quotes by State
GEICO is the cheapest full coverage insurer in most states, offering the lowest rates in 15 states with an average monthly premium of $79. National insurance companies aren't always the cheapest option. Regional insurers like Auto-Owners stand out by offering the cheapest comprehensive and collision coverage in 5 states with an average rate of $80, while American National leads in 3 states with competitive rates averaging just $67 monthly.
| Alabama | AIG | $68 | $817 | 35% |
| Alaska | Geico | $84 | $1,005 | 25% |
| Arizona | Travelers | $86 | $1,030 | 39% |
| Arkansas | Farm Bureau | $86 | $1,032 | 27% |
| California | Progressive | $87 | $1,040 | 34% |
| Colorado | American National | $74 | $891 | 51% |
| Connecticut | Geico | $68 | $818 | 53% |
| Delaware | Travelers | $74 | $887 | 59% |
| District of Columbia | Erie Insurance | $104 | $1,244 | 48% |
| Florida | Travelers | $103 | $1,232 | 49% |
| Georgia | Geico | $85 | $1,025 | 37% |
| Hawaii | Geico | $62 | $747 | 30% |
| Idaho | Geico | $53 | $632 | 35% |
| Illinois | Geico | $67 | $799 | 39% |
| Indiana | Hastings Insurance | $62 | $739 | 29% |
| Iowa | Travelers | $66 | $789 | 33% |
| Kansas | Geico | $71 | $853 | 40% |
| Kentucky | Travelers | $94 | $1,132 | 30% |
| Louisiana | Geico | $142 | $1,709 | 36% |
| Maine | Travelers | $54 | $644 | 31% |
| Maryland | Geico | $84 | $1,002 | 45% |
| Massachusetts | Plymouth Rock Insurance | $56 | $672 | 46% |
| Michigan | Geico | $69 | $828 | 51% |
| Minnesota | Auto Owners | $74 | $888 | 31% |
| Mississippi | Farm Bureau | $87 | $1,039 | 33% |
| Missouri | Auto Owners | $79 | $948 | 37% |
| Montana | State Farm | $74 | $891 | 41% |
| Nebraska | Farmers Mutual Ins Co of NE | $67 | $802 | 39% |
| Nevada | Travelers | $94 | $1,125 | 32% |
| New Hampshire | MMG Insurance | $60 | $718 | 28% |
| New Jersey | NJM Insurance | $101 | $1,207 | 38% |
| New Mexico | Geico | $86 | $1,037 | 28% |
| New York | NYCM Insurance | $58 | $700 | 52% |
| North Carolina | State Farm | $51 | $617 | 50% |
| North Dakota | Geico | $56 | $677 | 37% |
| Ohio | Geico | $68 | $811 | 31% |
| Oklahoma | Progressive | $88 | $1,057 | 35% |
| Oregon | Country Financial | $61 | $730 | 48% |
| Pennsylvania | Travelers | $65 | $779 | 49% |
| Rhode Island | Quincy Insurance | $76 | $906 | 43% |
| South Carolina | American National | $64 | $764 | 52% |
| South Dakota | Progressive | $52 | $621 | 50% |
| Tennessee | Auto Owners | $77 | $923 | 26% |
| Texas | State Farm | $95 | $1,135 | 40% |
| Utah | Geico | $87 | $1,041 | 33% |
| Vermont | Co-operative Insurance | $50 | $604 | 33% |
| Virginia | Travelers | $60 | $720 | 40% |
| Washington | Progressive | $89 | $1,071 | 18% |
| West Virginia | Geico | $91 | $1,093 | 25% |
| Wisconsin | Geico | $55 | $655 | 38% |
| Wyoming | American National | $56 | $678 | 30% |
Tips to Save in Expensive Markets
Drivers paying over $100 monthly in states like Louisiana, Florida, and Michigan benefit most from comparing quotes, as MoneyGeek's analysis shows price gaps between insurers have reached record levels. Good drivers in these expensive markets see differences exceeding $1,200 annually for identical coverage, which explains why shopping activity surged 19% year-over-year in 2024. Nearly two out of five shoppers (38%) switched carriers after comparing rates, and drivers who compare at least three quotes can save $1,000 to $2,000 annually by switching to a more affordable carrier.
Cheapest Full Coverage Car Insurance by Age
Teens and new drivers pay double the average rates for full coverage compared to 40- to 50-year-olds due to inexperience and higher accident rates. Most young drivers save money by staying on a family policy until their mid-20s. Full coverage rates drop sharply after age 25 for experienced drivers who maintain a clean driving record and may increase again for drivers older than 65.
Cheapest Full Coverage Car Insurance for Young Drivers
With average monthly rates of $232, Travelers offers the cheapest full coverage car insurance for young drivers aged 16 to 25. GEICO comes in a close second at $241 per month, just $9 more than the previous option, but offers wider availability with agents in all 50 states and 24/7 customer service. Travelers excels in customer satisfaction ratings and claims handling, but operates through independent agents who may have limited hours.
Data filtered by:
100/300/100 Liability w/ $1,000 Deductible
| Travelers | $232 | $2,786 | $1,092 | 28% |
| Geico | $241 | $2,890 | $988 | 25% |
| National General | $251 | $3,017 | $861 | 22% |
| State Farm | $269 | $3,223 | $655 | 17% |
| Amica | $275 | $3,302 | $576 | 15% |
*Teen drivers under 18 cannot legally purchase their own insurance without parental consent in most states.
Cheapest Full Coverage Car Insurance for Seniors
GEICO provides the cheapest full coverage rates for seniors at $121 per month, 27% below average. Amica ranks second cheapest at $130 per month; it's a regional insurance carrier with great service ratings. Seniors who complete defensive driving courses qualify for government-mandated discounts of 5% to 15% in 35 states and Washington, D.C. GEICO's mature driver discount offers additional savings of 8% to 12% for drivers aged 50 and older.
The table shows the complete list of providers offering budget-friendly full coverage car insurance for senior drivers:
Data filtered by:
100/300/100 Liability w/ $1,000 Deductible
| Geico | $121 | $1,452 | $547 | 27% |
| Amica | $130 | $1,556 | $442 | 22% |
| Travelers | $132 | $1,582 | $416 | 21% |
| State Farm | $137 | $1,645 | $354 | 18% |
| National General | $138 | $1,660 | $339 | 17% |
Cheapest Full Coverage Car Insurance for High-Risk Drivers
High-risk drivers with accidents, speeding tickets or DUIs pay higher premiums. State Farm and Travelers offer the lowest rates across violation types, charging 14-32% less than the national average for high-risk drivers.
- At-Fault Accident: Travelers offers the most affordable full coverage at $137 monthly. State regulations determine whether or not-at-fault accidents impact your premiums.
- Speeding Ticket: Rates increase for three to five years after a speeding violation. The impact lessens over time as your record improves.
- DUI Conviction: Travelers charges $158 monthly for full coverage, the lowest rate for drivers with DUI records. DUI violations remain on your driving history for three to 10 years, depending on your state. You'll need to file an SR-22 to reinstate your license.
Cheapest Full Coverage for Drivers with Bad Credit
National General offers the lowest rates for drivers with bad credit and clean records at $131 per month. GEICO is the second most affordable, at $142 monthly for this profile. Low-income drivers and high-income drivers alike can suffer from poor credit scores, which can greatly increase their monthly insurance bill. Use the table below to estimate your costs based on your credit and driving history.
Data filtered by:
Adult Drivers
Below Fair
100/300/100 Liability w/ $1,000 Deductible
Clean
| National General | $141 | $1,688 | $1,176 | 41% |
| UAIC | $170 | $2,044 | $819 | 29% |
| Geico | $172 | $2,064 | $800 | 28% |
| Kemper | $177 | $2,127 | $737 | 26% |
| Travelers | $190 | $2,283 | $581 | 20% |
*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.
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, providing rates 47% below the national average. This makes USAA significantly more affordable than any other insurer serving the military community. Travelers ranks second at $97 monthly (21% below average), followed by National General at $109 monthly (15% below average).
| USAA | $70 | $835 | 47% |
| Travelers | $97 | $1,158 | 21% |
| National General | $109 | $1,313 | 15% |
| Amica | $117 | $1,406 | 6% |
Cheap Full Coverage Car Insurance: Buying Guide
We reviewed full coverage rates and strategies to lower costs, identifying the most effective ways to reduce premiums while maintaining comprehensive financial protection. This guide walks you through proven techniques to lower your full coverage costs, explains how factors such as vehicle type and location affect your rates, and clarifies when full coverage becomes a requirement rather than an optional choice.
Best Car Insurance Company Discounts for Full Coverage
You can cut your full coverage premium by hundreds of dollars annually by choosing insurers that reward your specific situation. Young drivers save most with good student programs, while multi-car households benefit from stackable vehicle discounts. Military families access rates nearly 50% below average through specialized providers, and even high-risk drivers with violations find competitive pricing when they know where to look.
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 |
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 |
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 |
Progressive | Drivers with violations | Snapshot telematics rewards safe driving, accident forgiveness tiers, good student 5% | Competitive high-risk rates |
USAA | Military and veterans | Deployment storage up to 60%, on-base parking up to 15%, legacy discount up to 10% | 47% below national average |
National General | Poor credit drivers | Lowest base rates for poor credit, multi-car available | 41% below national average |
Liberty Mutual | Military families | Military Benefit Association up to 12%, bundling saves over $950 annually | Variable military discounts |
How to Get Cheap Full Coverage Car Insurance
You can save hundreds of dollars each year on full coverage by shopping strategically and taking advantage of available discounts. Raising your deductible from $500 to $1,000 can reduce premiums by 10% to 15%, and bundling your home and auto policies can save 5% to 25%. Follow these seven simple steps to identify the lowest-cost provider and adjust your policy details for maximum savings.
- 1Get quotes from multiple insurers
Full coverage car insurance costs $215 monthly on average. Still, strategic shopping can reduce this by 20% to 30%, as companies use different algorithms, creating rate variations of hundreds or thousands of dollars for identical coverage. Price differences between insurers can reach $1,200 annually for identical coverage, making comparison the most effective strategy for achieving savings.
Get full coverage quotes with equal coverage from at least three to five providers. Some insurers specialize in certain driver profiles or areas, so comparing multiple options increases your chances of maximizing savings.
- 2Maximize discounts
Stack the following discounts to save hundreds annually on your full coverage premium:
- Bundle discounts by combining home and auto policies (5% to 25% savings)
- Multi-car discounts for multiple vehicles (10% to 25% off)
- Safe driver programs rewarding clean records (large savings)
- Good student discounts for maintaining good grades (10% to 15%)
- Group membership discounts for military, professional or alumni organizations
- Low-mileage discounts for drivers under 7,500 miles annually (15% to 30% savings)
- Annual payment discounts of 5% to 10% for paying upfront
- Telematics programs monitoring and rewarding safe driving habits
- 3Choose a higher deductible
Increasing deductibles from $500 to $1,000 can lower premiums by 10% to 15%. Choose higher deductibles only if you can afford the out-of-pocket expense when filing claims.
- 4Lower your liability limits
Opting for lower 50/100/50 liability limits with $500 deductibles costs $219 per month ($2,631 annually). The minimal $4 monthly difference between 50/100/50 and 100/300/100 coverage makes the higher liability limits a better value for most drivers, providing significantly more protection for nearly the same price.
Reducing liability limits to state minimums can reduce premiums, making comprehensive protection more affordable while maintaining collision and comprehensive coverage. However, lower limits leave you personally liable for costs exceeding coverage, so weigh this carefully against your assets and risk tolerance.
- 5Time your search around life changes
Shop for quotes after major life milestones like marriage, moving, adding vehicles or employment changes. These transitions may make you eligible for new discounts or risk categories that lower premiums.
- 6Consider your vehicle's insurance costs
Older, less expensive cars cost less to insure for full coverage protection than luxury models due to repair costs. Sports cars, luxury vehicles and high-theft cars cost more to insure.
- 7Consider a smaller insurer
Regional insurers often have lower overhead costs, allowing them to pass savings to customers. Research their financial stability and claims handling through AM Best ratings and state insurance complaints.
Average Cost of Full Coverage Car Insurance
The average annual cost of full coverage car insurance is $2,575 ($215 monthly) for standard 100/300/100 liability limits with $1,000 comprehensive and collision deductibles. However, costs vary considerably based on your coverage choices, vehicle type, driving record, age and location.
| 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 |
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
Full Coverage Car Insurance Requirements
In some cases, having full coverage is a requirement. You need to have both comprehensive and collision coverage in these situations:
Financed or leased vehicles
If you've leased or financed a vehicle, the lender or leasing company may require you to hold full coverage for the entire financing or lease duration to protect its financial interest.
Non-auto loans (as collateral)
For some secure non-auto loans, full coverage serves as collateral protection for the lender's investment throughout the lease term.
For your job
Certain companies require drivers to maintain full coverage as an employment condition or to participate in delivery or rideshare programs.
Cheapest Full Coverage Auto Insurance: Bottom Line
Travelers offers full coverage car insurance for $97 per month (29% below the national average) with a MoneyGeek score of 95 out of 100. Military families should explore USAA first at $70 monthly.
Full coverage protects your finances from accidents, theft and weather damage while meeting lender requirements for financed vehicles. Reduce your premium by bundling policies, maintaining a clean driving record and reviewing coverage annually.
FAQ: Cheap Full Coverage Car Insurance
Here are answers to common questions about cheap full coverage car insurance:
Who has the cheapest full coverage car insurance?
Travelers offers the cheapest full coverage car insurance nationwide at an average of $97 monthly, appealing to budget-conscious drivers. The company has competitive rates and a strong customer service reputation. USAA is even cheaper at $70 monthly, but this rate is only for military families, veterans and eligible dependents.
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.
Why is full coverage insurance expensive?
Full coverage car insurance costs more than minimum coverage because it includes comprehensive and collision protections, covering costs for 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 doubles 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.
What is the average cost of full coverage car insurance?
The national average cost of full coverage car insurance is around $215 per month or $2,575 per year. Rates vary by state, driver profile and vehicle type. Younger drivers and people with poor credit often pay two to three times more than the average.
What does full coverage car insurance actually include?
Full coverage refers to a combination of liability, collision and comprehensive insurance. Liability pays for damage or injuries you cause to others, while collision and comprehensive cover your own vehicle in accidents, theft, fire, flooding or weather events. It is not a special policy but a package of coverages.
How often should I shop for full coverage car insurance?
We recommend comparing quotes every 6 to 12 months. Insurance companies regularly update their rating factors, so the cheapest provider today may not be the most affordable next year. Checking rates after major life events such as moving, buying a car or improving your credit score can also help you save.
Is full coverage car insurance more expensive?
Yes, full coverage costs substantially more than minimum coverage. Full coverage insurance runs 1.5 to 2.5 times higher than minimum coverage, with most drivers paying an extra $50 to $100 monthly for comprehensive and collision protection. The cost varies dramatically by state, ranging from $72 per month in Vermont to $239 in Florida. Vermont, Maine ($75), Idaho ($77), Wyoming ($79), and New Hampshire ($81) offer the most affordable full coverage options. On the expensive end, Louisiana ranks second-highest at $231 monthly, followed by Delaware ($174), New Jersey ($172), and Washington, D.C. ($167). Mid-range states include California ($141), Texas ($148), Colorado ($147), Iowa ($94), Kansas ($113), and Nebraska ($106).
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Background On: Credit Scoring." Accessed July 30, 2025.
- Kelley Blue Book. "Actual Cash Value: How It Works for Car Insurance." Accessed July 30, 2025.