Cheapest Full Coverage Car Insurance

Travelers offers the cheapest full coverage nationwide at $96 a month for 100/300/100 limits, 31% below the national average. GEICO is next at $101 a month, with fewer coverage options and no agent model. You handle the buying and claims process entirely through the app.

Travelers is the better choice if you're still paying off your car or buying your first policy. It also has an edge if you prefer working with an agent when a claim goes wrong. GEICO is the right call if you own your car outright and want to manage everything through an app.

*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, 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 for full coverage policies at 4.7 out of 5 and offers a broad range of optional coverages. Progressive scores 4.6 and has the highest coverage score in our analysis at 4.9. GEICO scores highest on price alone. Travelers leads in overall value; Progressive has the broadest add-on catalog of the three.

GEICO is the cheapest in 14 states, Travelers in 10 and regional insurers in 17. Where a regional company offers the lowest premiums, the savings can run well beyond what you'd save by switching to a national carrier.

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.

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.

*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. Amica is next at $130 a month and earns the top score in the J.D. Power 2025 U.S. Auto Insurance Satisfaction Study for New England: 735 out of 1,000, the highest in the region. The real difference between these two isn't available coverage; it's what happens when a claim goes wrong.

Seniors who drive less than 5,000 miles a year should get a State Farm quote at $134 a month. Its Drive Safe and 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.

Completing an approved defensive driving course gets 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.

State Farm and Travelers are tied as the cheapest after a speeding ticket ($128 a month). State Farm alone has the lowest rate after a DUI, at $156 a month. Travelers is the most affordable after an at-fault accident at $137 a month; State Farm is next at $138. Progressive is worth a quote after a DUI, but confirm its telematics eligibility rules apply to your situation.

Travelers and State Farm are tied at $128 a month after a speeding ticket. Price isn't the differentiator here. State Farm's Drive Safe and Save program lets drivers with a fresh ticket earn rate reductions at each renewal as the violation ages. Travelers routes claims through agents, which matters when you're disputing how the violation affected your rate.

Travelers is the cheapest insurer after an at-fault accident. Its accident forgiveness add-on prevents your rate from rising after a second incident. State Farm is the second most affordable at $138 a month, but its accident forgiveness requires nine years of clean driving history and isn't available as an add-on.

State Farm is the cheapest insurer for full coverage after a DUI at $156 a month. At $164, Progressive costs $8 more but is the right choice if you drive carefully and are willing to sign up for its Snapshot telematics program. 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. UAIC is second at $222. Both specialize in high-risk drivers; claims handling and digital tools rank below average.

Three states ban credit scoring for auto insurance entirely: California, Hawaii and Massachusetts. 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.