Updated: October 18, 2025
Advertising & Editorial Disclosure
Travelers provides the cheapest full coverage car insurance nationwide, averaging $97 monthly or $1,164 annually or 29% below the national average. Read More
Travelers also has the cheapest full coverage quotes across most driver categories, offering the cheapest rates for young drivers ($232), drivers with speeding tickets ($129), at-fault accidents ($137) and DUI convictions ($158). Read More
MoneyGeek recommends comparison shopping to find the cheapest provider in your state specifically, which can save you an average of $42 a month. GEICO has the cheapest rates in 15 states with an average monthly premium of $79, but regional insurers like Auto-Owners (5 states, $80 average) and American National (3 states, $67 average) provide even better full coverage rates when available in your state. Read More
Why You Can Trust MoneyGeek
We analyzed 2,474,515 quotes from 607 insurance companies across 3,523 ZIP codes nationwide to create our cheapest full coverage car insurance quote analysis. Licensed insurance expert and industry analyst Mark Fitzpatrick has reviewed our methodology. We update our data and rankings monthly, with our most recent analysis completed in October 2025.
MoneyGeek maintains editorial independence and doesn't receive compensation from insurance companies for car insurance rankings or recommendations.
Travelers offers the most affordable full coverage at $97 monthly, 29% below the national average. Your specific low-cost full coverage car insurance rate depends on personal factors like age, driving record, credit score and location.
We highlighted the cheapest average full coverage rates for different driver profiles so you can find a rate that fits your situation in the table below.
| 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% |
*National insurance companies aren't always the cheapest option. Regional insurers like National General offer competitive rates. National General is available across 28 states and averages $1,344 yearly for comprehensive coverage.
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.
GEICO is the cheapest full coverage insurer in the most states, winning 15 states with an average monthly premium of $79. But always look out for regional insurers as a cheap option: Auto-Owners stands out by offering the cheapest full coverage in 5 states with an average rate of $80, while American National leads in 3 states with particularly competitive rates averaging just $67 monthly. These regional insurers prove that smaller companies can compete effectively against national giants, often providing better value in their specific markets.
| 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% |
Read more: Car Insurance Rates by State
Your age affects your full coverage car insurance cost. Teens and new drivers pay double the average rates for full coverage compared with 40- to 50-year-olds because of inexperience and higher accident rates. 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.
With average monthly rates of $232, Travelers offers the cheapest full coverage car insurance for young drivers aged 16 to 25 who carry an individual policy. Teen drivers under 18 may have additional state-specific licensing requirements and parental consent obligations that can affect coverage options and rates.
| Travelers | $232 | $2,786 | 1091.70 | 28% |
| Geico | $241 | $2,890 | 987.73 | 25% |
| National General | $251 | $3,017 | 860.72 | 22% |
| State Farm | $269 | $3,223 | 655.08 | 17% |
| Amica | $275 | $3,302 | 576.16 | 15% |
Read more: Cheapest Car Insurance for Teens
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. The table shows the complete list of providers offering cheap full coverage car insurance for senior drivers:
| Geico | $121 | $1,452 | $547 | 0 |
| Amica | $130 | $1,556 | $442 | 0 |
| Travelers | $132 | $1,582 | $416 | 0 |
| State Farm | $137 | $1,645 | $354 | 0 |
| National General | $138 | $1,660 | $339 | 0 |
High-risk drivers pay higher premiums, but comparing providers reveals significant savings opportunities.
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. 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. Use the table below to estimate your costs based on your credit and driving history.
| 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% |
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 rates.
| USAA | $70 | $835 | 47% |
| Travelers | $97 | $1,158 | 21% |
| National General | $109 | $1,313 | 15% |
| Amica | $117 | $1,406 | 6% |
*GEICO also offers military discounts, including emergency deployment reductions and savings for AUSA, AFBA, NLUS or Navy Federal Credit Union members.
Full coverage car insurance typically costs around $215 per month, which is $50 to $100 more than minimum liability coverage. Your actual premium varies based on factors like your vehicle type, driving history, location, and the coverage limits you choose.
You can save hundreds of dollars each year on full coverage by shopping strategically and maximizing 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%. We reviewed full coverage rates and strategies for lowering costs to find the most effective ways to reduce premiums while still offering comprehensive financial protection.
Getting quotes from multiple insurers reveals rate variations of hundreds or thousands of dollars for identical coverage. Follow these seven simple steps to identify the lowest-cost provider and adjust your policy details for maximum savings.
Get full coverage quotes with equal coverage from at least three to five providers, because companies use different algorithms, creating rate variations of hundreds or thousands of dollars for identical coverage. Some insurers specialize in certain driver profiles or areas, so comparing multiple options increases your chances of maximizing savings.
Discounts can substantially reduce full coverage costs. Most insurers offer savings through:
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.
Reducing liability limits to state minimums can reduce premiums, making comprehensive protection more affordable while maintaining collision and comprehensive coverage. Lower limits leave you personally liable for costs exceeding coverage, so weigh this carefully against your assets and risk tolerance.
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.
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.
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.
The average annual cost of full coverage car insurance is $2,575 ($215 monthly). Costs vary based on 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 |
Read more: Average Cost of Car Insurance
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 insurance costs 1.5 to 2.5 times more than minimum coverage, ranging from $72 in Vermont to $239 in Florida. Most drivers pay an extra $50 to $100 per month for comprehensive and collision protection. State comparisons for full coverage versus liability-only coverage are as follows:
| Alabama | $53 | $102 |
| Alaska | $43 | $103 |
| Arizona | $66 | $134 |
| Arkansas | $47 | $114 |
| California | $66 | $141 |
| Colorado | $57 | $147 |
| Connecticut | $81 | $142 |
| Delaware | $103 | $174 |
| Washington, D.C. | $90 | $167 |
| Florida | $101 | $239 |
| Georgia | $76 | $133 |
| Hawaii | $33 | $82 |
| Idaho | $35 | $77 |
| Illinois | $50 | $99 |
| Indiana | $40 | $82 |
| Iowa | $32 | $94 |
| Kansas | $44 | $113 |
| Kentucky | $74 | $130 |
| Louisiana | $98 | $231 |
| Maine | $37 | $75 |
| Maryland | $84 | $145 |
| Massachusetts | $44 | $97 |
| Michigan | $63 | $133 |
| Minnesota | $43 | $103 |
| Mississippi | $56 | $120 |
| Missouri | $60 | $121 |
| Montana | $45 | $111 |
| Nebraska | $38 | $106 |
| Nevada | $80 | $151 |
| New Hampshire | $43 | $81 |
| New Jersey | $101 | $172 |
| New Mexico | $49 | $115 |
| New York | $62 | $118 |
| North Carolina | $50 | $105 |
| North Dakota | $38 | $85 |
| Ohio | $41 | $85 |
| Oklahoma | $52 | $129 |
| Oregon | $56 | $110 |
| Pennsylvania | $48 | $117 |
| Rhode Island | $70 | $124 |
| South Carolina | $65 | $128 |
| South Dakota | $31 | $101 |
| Tennessee | $46 | $100 |
| Texas | $65 | $148 |
| Utah | $68 | $126 |
| Vermont | $29 | $72 |
| Virginia | $51 | $93 |
| Washington | $50 | $108 |
| West Virginia | $53 | $109 |
| Wisconsin | $36 | $85 |
| Wyoming | $24 | $79 |
In some cases, having full coverage is a requirement. You need to have both comprehensive and collision coverage in these situations:
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.
For some secure non-auto loans, full coverage serves as collateral protection for the lender's investment throughout the lease term.
Certain companies require drivers to maintain full coverage as an employment condition or to participate in delivery or rideshare programs.
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.
Here are answers to common questions about cheap 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. However, USAA is even cheaper at $70 monthly, but this rate is only for military families, veterans and eligible dependents.
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.
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.
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.
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.
Travelers offers the cheapest full coverage for young drivers at an average of $232 per month. Young drivers typically pay the highest premiums due to limited driving experience and higher risk profiles. Because rates vary significantly by company, it’s important for young drivers to compare quotes to find the most affordable option.
Geico provides the cheapest full coverage for senior drivers at an average of $121 per month. Rates for seniors are often lower than those for younger drivers, especially for those with clean records and low annual mileage. Seniors may also qualify for discounts by completing defensive driving courses or bundling multiple policies.
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.
Full coverage typically 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.
Drivers can reduce costs by raising deductibles, bundling auto with home or renters insurance, enrolling in telematics or usage-based programs, and improving their credit score in states where credit is allowed as a rating factor. Shopping for quotes at least once a year is another effective way to keep premiums competitive.
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.
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.
