Cheapest Full Coverage Car Insurance

Among major insurers, Travelers offers the lowest average price for full coverage at $96 a month, with 100/300/100 comprehensive and collision liability limits. GEICO is the second-most affordable full-coverage provider nationwide, averaging $101/month, and it offers fewer coverage options than Travelers.

If you're looking for a cheap, comprehensive and collision policy with additional coverage like new-car replacement, get quotes from Travelers if it's available in your city and State. Your rate may differ from the average due to your age, driving record, ZIP code, and credit score (depending on whether your state law allows it), so get both quotes.

*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 is the best-rated full coverage car insurance company, primarily driven by its low premiums and customer experience - it offers cheap policies, and customers don't sacrifice the quality of having an auto insurer fight on their behalf.

Progressive is the best for drivers seeking the smoothest buying experience and the widest range of policy options. It keeps prices affordable while offering coverage others don't, making it a good choice for drivers seeking additional coverage beyond standard comprehensive and collision.

In the largest states, GEICO offers the cheapest full-coverage car insurance policies in 14 states, and Travelers in 10, but state-level rates vary widely. In smaller states with fewer national carriers competing, regional auto insurers offer the cheapest full-coverage car insurance policies in 17 states, with two companies worth getting quotes from in available in your state, American National and Auto-Owners.

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. Still, 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 when a first-time claimant is dealing with an unfamiliar process. GEICO is the right pick 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 adds up 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 offers the cheapest full-coverage auto insurance for seniors at $124 per month. Amica costs $130 ($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 5% to 15% discount at the next renewal.

Drivers with violations have more to gain from shopping around than drivers with clean records. Insurers raise rates differently after a violation depending on their own internal calculations based on their risk pool, so the cheapest option varies depending on the driving violation on your record.

State Farm is the cheapest after a DUI ($156 a month), Travelers is the cheapest after an at-fault accident ($137 a month), and both tie for the 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 offer the lowest rates for car insurance after an accident, averaging $128 a month. The tie doesn't mean your quotes will match, because your rate will vary based on your age, driving record, and credit history in states that allow it, so get estimates from both. 

If you recently got a ticket, State Farm's Drive Safe & Save lets drivers with a fresh ticket earn rate reductions at each renewal as the violation ages.

Travelers is the cheapest after an at-fault accident at $137 a month, $1 less than State Farm and $7 less than Amica. With less than $10 separating all three, get quotes from all of them.

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 you buy. An SR-22 is a certificate your state requires after a serious violation. It's not an insurance policy.

Eight states don't require SR-22 filings: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania (Insure.com, 2026). Drivers in Florida and Virginia file an FR-44 instead, which requires higher minimum 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 for 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 the use of credit scores 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: Rate data from Quadrant Information Services across all three coverage tiers for the base driver profile
• 30% customer satisfaction: J.D. Power Insurance Shopping Study scores and state regulator complaint indexes
• 20% claims: J.D. Power Claims Satisfaction Study scores and CRASH Network grades
• 10% coverage: Coverage add-ons offered to full coverage policyholders
• 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. Every rate in this article uses this profile. Subsections on young drivers, seniors and drivers with violations each use a different one.

Coverage tiers explained:

• 50/100/50: $50,000 bodily injury per person, $100,000 per accident and $50,000 property damage. Both deductibles are $500.
• 100/300/100: $100,000 bodily injury per person, $300,000 per accident and $100,000 property damage. Deductibles are $1,000. MoneyGeek recommends this tier for most drivers.
• 300/500/300: $300,000 bodily injury per person, $500,000 per accident and $300,000 property damage. Both deductibles 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.