Cheapest Full Coverage Car Insurance

Among major insurers, 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 set the maximum your insurer pays for property damage and injuries if you're at fault in an accident. How much coverage you need depends on your assets and how much financial risk you're willing to carry.

GEICO is next at $101 a month. It offers fewer coverage options, and its customer experience runs through its app rather than through human agents, unlike Travelers. A $5-a-month gap in national averages is narrow, and GEICO could cost less for your profile.

*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 cost the least for full coverage on average among the national carriers we rated, and both score well for coverage breadth and customer experience. 

Progressive is also worth quoting despite scoring lower for affordability at $127 a month. Customers rate its buying process, policy options and claims handling highly. Claims handling is what counts most after an accident, and that's where Progressive earns higher marks.

Travelers and GEICO score well for affordability but trail Progressive for coverage breadth and some service categories. Travelers offers a low rate and a solid claims experience but fewer add-ons. GEICO is the cheapest of the three, but the policy sticks to standard coverages: liability, comprehensive, collision and roadside assistance.

GEICO leads in 14 states and Travelers in 10, but state-level rates vary widely. Regional insurers are cheapest in 17 states, more than either national carrier.

American National (cheapest in Colorado, South Carolina and Wyoming) and Auto-Owners (cheapest in Georgia, Missouri and Ohio) don't advertise as heavily as the big names, but both cost less on average in the states where 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. Travelers routes claims through agents, which matters more on a first policy when a dispute feels unfamiliar. GEICO is the right fit for app-focused drivers who don't need agent access.

National General at $249 a month covers drivers standard companies have declined. Its claims handling and digital tools rank below average, but when a standard carrier won't write the policy, National General will.

Teen drivers aged 16 to 18 pay far more than experienced drivers, so carrier choice matters more for families than for single adults. Choosing Travelers over State Farm saves about 12%. For a family with a teen on the policy, that gap translates to hundreds of dollars a year.

*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 costs $130, just $6 more, and ranks seventh among major insurers for claims satisfaction in J.D. Power's 2025 Auto Claims Satisfaction Study. GEICO ranks 15th, below average. That $6 gap is worth paying for a stronger claims experience.

Seniors driving fewer than 5,000 miles a year should check State Farm. Its base rate is $134 a month, but Drive Safe & Save can pull that down to $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 look into an approved defensive driving course. In 34 states and Washington, D.C., completing one earns a discount of 5% to 15% at the next renewal.

Drivers with violations have more to gain from shopping around than drivers with clean records. Insurers surcharge differently after a violation, so the cheapest option varies more by carrier. State Farm is cheapest after a DUI ($156 a month), Travelers after an at-fault accident ($137 a month), and both tie for cheapest after a speeding ticket ($128 a month).

The three cheapest options for each violation differ by less than $10 a month. Progressive costs $8 more a month than State Farm for a DUI but earns higher marks for coverage options and claims handling. That difference is narrow enough to make Progressive worth quoting.

Travelers and State Farm average $128 a month after a speeding ticket. The tie doesn't mean your quotes will match, so get both. State Farm's Drive Safe & Save lets drivers with a fresh ticket earn rate reductions at each renewal as the violation ages. Travelers' IntelliDrive tracks driving speed, braking and acceleration, then discounts your rate for safe behavior.

Travelers is the cheapest after an at-fault accident at $137 a month, just $1 less than State Farm and $7 less than Amica. With less than $10 separating all three, any one of them could come out ahead for your profile.

Insurers price at-fault accidents differently, so the lowest rate on average may not hold for your accident type or severity.

State Farm is the cheapest for full coverage after a DUI at $156 a month. Travelers is $1 more at $157; Progressive costs $164 a month, $8 more than State Farm. All three are within $10 of each other across thousands of driver profiles.

Progressive is more expensive than State Farm for speeding tickets and at-fault accidents but competitive for a DUI. Its DUI surcharge is smaller than its surcharge for tickets or at-fault accidents. Drivers who choose Progressive can enroll in its Snapshot telematics program. SR-22 holders should confirm eligibility with Progressive directly, as availability varies by state.

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.

National General is the cheapest for bad credit at $203 a month; UAIC is second at $222. Both specialize in high-risk drivers, and claims handling and digital tools rank below average at both. Credit scores aren't a driving risk factor the way a DUI or speeding ticket is, but insurers treat poor credit as a signal of higher claim likelihood. The surcharge can exceed what you'd pay for a driving violation.

California, Hawaii and Massachusetts ban the use of credit scores for auto insurance. Michigan restricts it 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.

MoneyGeek's analysis covers 2,474,515 quotes from 607 companies across 3,523 ZIP codes, spanning every state across a range of driver profiles, coverage tiers and deductible levels. The full auto insurance methodology details the data sources and scoring model.

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.