Cheap Full Coverage Auto Insurance (2024)
You know that you want full coverage auto insurance. Now you're looking for cheap full coverage auto insurance. The national average cost is $119 a month, but we'll share what companies to compare and what other factors to consider in order to obtain the most affordable full coverage auto insurance.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Full coverage car insurance costs an average of $119 per month
- Affordable full coverage car insurance rates will vary based on your age, driving record, and what state you live in
- Erie Insurance offers the cheapest full coverage auto insurance coverage in 12 states
Finding cheap full coverage auto insurance can take some time, as your own rates will vary based on your age, driving history, and where you live. But researching car insurance coverage options and comparing quotes online will save you money down the road.
Read more: How to Evaluate Auto Insurance Quotes
In this guide, we found that Erie Insurance and State Farm offer the best rates for cheap auto insurance with full coverage. Erie also offers the most reasonable rates to teens and young drivers. However, high-risk drivers with multiple speeding tickets or accidents on their record will get more affordable rates from Metromile or USAA.
Keep reading to learn which company offers the cheapest full coverage auto insurance in your state by age and driving record.
Cheapest Full Coverage Auto Insurance
If you’re looking for the cheapest insurance, full coverage will be more expensive than liability-only. However, full coverage offers more protection on the road and saves you from paying out of pocket for auto repairs after an accident or collision.
How much does full coverage car insurance cost? On average, full coverage rates are $119 per month. This is more than double the average liability-only rate of $60 per month.
Take a look at this table to compare average auto insurance rates for full coverage vs. liability-only:
Auto Insurance Monthly Rates by Coverage Level and Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $61 $160
American Family $44 $117
Farmers $53 $139
Geico $30 $80
Liberty Mutual $68 $174
Nationwide $44 $115
Progressive $39 $105
State Farm $33 $86
Travelers $37 $99
U.S. Average $45 $119
Despite having higher rates than liability insurance, full coverage auto plans are still very competitive when you know where to shop. Start by comparing quotes from these top three companies that offer the cheapest full coverage insurance.
My recommendation on where you can get the cheapest full coverage policy is to start with State Farm, and compare them with Erie and USAA is those options are available to you.Jeff Root Licensed Insurance Agent
Cheapest Full Coverage on Average — State Farm
State Farm auto insurance is the best car insurance for full coverage — monthly rates are around $86 a month. It is the most popular insurance company in the country and consistently ranks in the top 10 for customer satisfaction across the U.S. by J.D. Power. See our State Farm auto insurance review.
Cheapest Full Coverage for Young Drivers — Erie Insurance
Erie is a small, regional insurer, but it offers the cheapest full coverage auto insurance rates to young drivers under 25. Unfortunately, coverage is only available in 12 states. Farm Bureau and State Farm offer the next cheapest full coverage insurance for young drivers in all 50 states. Learn more in our Erie auto insurance review.
Cheapest Full Coverage for High-Risk Drivers — USAA
USAA auto insurance is the best full coverage car insurance company for high-risk drivers with speeding tickets, accidents, or DUIs on their records. Monthly rates average $89, but policies are only available to military members and their families. Find out more in our USAA auto insurance review.
Keep in mind that high-risk drivers may not be able to shop with standard insurers, depending on their driving records and risk categories. Scroll down to learn which companies offer the cheapest full coverage car insurance based on driving records so you can get the best rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Which companies offer the cheapest full coverage auto insurance?
State Farm, Erie, and USAA may provide the best full coverage auto insurance, but limitations do apply. For example, coverage with Erie isn’t available in every state, and USAA only offers policies to military members.
So, which companies offer full coverage insurance at cheap rates in your area? Fortunately, there are several options, including four under $100 a month (Geico, State Farm, Travelers, and USAA).
Let’s take a look at the average monthly full-coverage auto insurance rates for the top U.S. auto insurance companies.
State Farm offers consistently cheap rates and is available in all 50 states. However, a local insurer in your city could offer cheaper full coverage auto insurance to drivers like you. That’s why it’s important to compare multiple insurance quotes from the companies in your area to find the best possible rates.
Start comparing now with the full coverage auto insurance quotes below for drivers by state, driving record, and age.
Cheapest Full Coverage Auto Insurance by State
Why does auto insurance vary from state to state? The population density in your state and city impacts local traffic accidents and auto theft rates. All of these variables increase your risk to the insurance company, along with your age, gender, and the kind of car you drive.
State laws also determine the minimum car insurance every driver must carry. So, for example, your full coverage policy will extend beyond the liability-only limits. Still, your rates will be higher if your state also requires personal injury protection or medical payment coverage.
Read more: Minimum Auto Insurance Requirements by State
Here are the cheapest states for full coverage auto insurance:
Read more:
And here are the five states with the most expensive monthly full coverage rates.
Read more:
- Delaware Auto Insurance
- Louisiana Auto Insurance
- Michigan Auto Insurance
- New Jersey Auto Insurance
- Rhode Island Auto Insurance
If you live in Idaho, Iowa, Maine, Virginia, or Washington State, you pay the lowest rates for full coverage auto insurance. Take a look at this table below to see how much full coverage auto insurance costs in your state:
Full Coverage Auto Insurance Monthly Rates by State
| State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA | U.S. Average |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $108 | $105 | $133 | $89 | $162 | $96 | $112 | $108 | $79 | $56 | $105 |
| Alaska | $135 | $105 | $127 | $76 | $164 | $108 | $97 | $65 | $93 | $60 | $103 |
| Arizona | $180 | $114 | $135 | $65 | $178 | $116 | $84 | $81 | $104 | $63 | $112 |
| Arkansas | $162 | $137 | $165 | $91 | $99 | $128 | $131 | $80 | $111 | $55 | $116 |
| California | $199 | $138 | $167 | $101 | $216 | $142 | $132 | $108 | $122 | $74 | $140 |
| Colorado | $166 | $118 | $163 | $94 | $92 | $107 | $120 | $94 | $114 | $78 | $115 |
| Connecticut | $196 | $125 | $151 | $62 | $201 | $112 | $133 | $91 | $83 | $77 | $123 |
| Delaware | $207 | $130 | $157 | $101 | $494 | $144 | $90 | $116 | $82 | $43 | $156 |
| District of Columbia | $241 | $115 | $139 | $69 | $180 | $172 | $115 | $111 | $102 | $48 | $129 |
| Florida | $183 | $188 | $227 | $89 | $161 | $103 | $153 | $99 | $166 | $47 | $142 |
| Georgia | $165 | $124 | $149 | $61 | $263 | $152 | $115 | $107 | $110 | $71 | $132 |
| Hawaii | $118 | $82 | $99 | $59 | $128 | $84 | $78 | $64 | $72 | $44 | $83 |
| Idaho | $128 | $93 | $92 | $57 | $79 | $82 | $91 | $53 | $57 | $40 | $77 |
| Illinois | $176 | $114 | $117 | $47 | $76 | $93 | $89 | $64 | $87 | $62 | $92 |
| Indiana | $140 | $107 | $79 | $63 | $183 | $97 | $69 | $71 | $69 | $43 | $92 |
| Iowa | $126 | $95 | $82 | $81 | $116 | $73 | $75 | $65 | $92 | $55 | $86 |
| Kansas | $160 | $114 | $144 | $75 | $174 | $92 | $127 | $81 | $87 | $56 | $111 |
| Kentucky | $236 | $164 | $197 | $80 | $168 | $184 | $111 | $98 | $139 | $72 | $145 |
| Louisiana | $206 | $176 | $212 | $141 | $274 | $181 | $161 | $124 | $156 | $98 | $173 |
| Maine | $108 | $84 | $117 | $37 | $120 | $87 | $94 | $59 | $61 | $37 | $80 |
| Maryland | $201 | $116 | $140 | $135 | $181 | $106 | $121 | $107 | $103 | $80 | $129 |
| Massachusetts | $143 | $99 | $120 | $72 | $155 | $103 | $95 | $78 | $88 | $53 | $101 |
| Michigan | $406 | $204 | $335 | $99 | $424 | $257 | $152 | $209 | $183 | $107 | $238 |
| Minnesota | $160 | $93 | $108 | $90 | $375 | $87 | $101 | $67 | $94 | $68 | $124 |
| Mississippi | $147 | $120 | $145 | $72 | $119 | $96 | $120 | $82 | $88 | $54 | $105 |
| Missouri | $148 | $106 | $135 | $90 | $129 | $66 | $98 | $85 | $114 | $50 | $102 |
| Montana | $154 | $125 | $164 | $82 | $59 | $88 | $171 | $70 | $111 | $50 | $107 |
| Nebraska | $125 | $112 | $130 | $92 | $179 | $77 | $95 | $69 | $102 | $56 | $104 |
| Nevada | $165 | $140 | $155 | $110 | $111 | $112 | $82 | $103 | $91 | $69 | $114 |
| New Hampshire | $128 | $77 | $93 | $50 | $198 | $77 | $63 | $59 | $68 | $41 | $86 |
| New Jersey | $157 | $115 | $231 | $74 | $279 | $119 | $93 | $113 | $136 | $61 | $138 |
| New Mexico | $158 | $103 | $131 | $90 | $161 | $96 | $86 | $69 | $91 | $65 | $105 |
| New York | $147 | $137 | $165 | $78 | $200 | $164 | $96 | $137 | $175 | $85 | $138 |
| North Carolina | $169 | $82 | $99 | $69 | $82 | $111 | $32 | $77 | $99 | $44 | $86 |
| North Dakota | $136 | $145 | $107 | $61 | $398 | $77 | $110 | $76 | $88 | $44 | $124 |
| Ohio | $120 | $62 | $96 | $59 | $106 | $114 | $85 | $70 | $63 | $41 | $82 |
| Oklahoma | $135 | $118 | $136 | $109 | $184 | $122 | $110 | $91 | $105 | $68 | $118 |
| Oregon | $153 | $106 | $111 | $93 | $141 | $111 | $78 | $75 | $97 | $58 | $102 |
| Pennsylvania | $148 | $108 | $131 | $68 | $219 | $86 | $148 | $76 | $75 | $57 | $112 |
| Rhode Island | $189 | $151 | $183 | $125 | $235 | $190 | $116 | $76 | $103 | $65 | $143 |
| South Carolina | $133 | $118 | $166 | $79 | $185 | $118 | $105 | $88 | $105 | $69 | $117 |
| South Dakota | $136 | $151 | $113 | $57 | $230 | $76 | $105 | $67 | $97 | $58 | $109 |
| Tennessee | $144 | $102 | $86 | $78 | $184 | $118 | $92 | $72 | $88 | $58 | $102 |
| Texas | $201 | $176 | $137 | $105 | $178 | $154 | $121 | $90 | $101 | $62 | $132 |
| Utah | $117 | $105 | $115 | $73 | $119 | $93 | $95 | $103 | $88 | $50 | $96 |
| Vermont | $142 | $85 | $103 | $38 | $100 | $77 | $181 | $87 | $75 | $42 | $93 |
| Virginia | $103 | $83 | $100 | $69 | $129 | $86 | $61 | $63 | $73 | $43 | $81 |
| Washington | $114 | $91 | $102 | $75 | $92 | $70 | $60 | $69 | $81 | $46 | $80 |
| West Virginia | $162 | $115 | $139 | $83 | $196 | $104 | $110 | $79 | $102 | $67 | $116 |
| Wisconsin | $123 | $63 | $109 | $62 | $84 | $226 | $94 | $58 | $72 | $47 | $94 |
| Wyoming | $155 | $111 | $130 | $111 | $75 | $114 | $106 | $82 | $98 | $57 | $104 |
Not every insurance company writes policies in every state. So, you may be unable to find local agents or buy policies from the regional insurers on our list. Only Geico, Farm Bureau, USAA, Allstate, and State Farm offer cheap insurance for full coverage on policies that are available in all 50 states and Washington, D.C.
Cheapest Full Coverage Auto Insurance After Getting a Ticket
Auto insurance rates can jump 25% or more after a speeding ticket, and reckless driving violations can increase your rates even more. If you were recently ticketed, compare quotes from the best auto insurance companies for drivers with speeding tickets to see which insurer can offer you the best rates.
These are the average full coverage car insurance rates for the top insurance companies after getting a ticket:
Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record
Insurance Company One Ticket Clean Record
AAA $108 $180
Allstate $188 $166
American Family $136 $116
Farmers $173 $140
Geico $106 $95
Hartford $136 $175
Liberty Mutual $212 $177
Nationwide $137 $140
Progressive $140 $120
State Farm $96 $105
Travelers $134 $160
U.S. Average $147 $123
USAA offers the cheapest rates for speedy drivers, but coverage is limited to active military members, veterans, and their immediate families. Geico and State Farm offer the next most competitive rates.
If you have multiple speeding tickets, it will raise your risk with insurance companies. You may be limited to only high-risk companies. In that case, companies like The General, which specialize in high-risk auto insurance, will likely offer you the cheapest rates on full coverage.
Cheapest Full Coverage Auto Insurance Rates After an Accident
If you want cheap full coverage insurance, auto accidents are one thing you need to avoid. While most insurers forgive your first accident, many will raise your rates or drop coverage entirely if you get into multiple accidents during your annual policy term.
The best auto insurance companies for high-risk drivers will offer competitive rates for full coverage car insurance. Compare quotes in the table below to find the most affordable insurer near you:
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
Insurance Company One Accident Clean Record
AAA $220 $180
Allstate $225 $166
American Family $176 $116
Farmers $198 $140
Geico $132 $95
Hartford $230 $175
Liberty Mutual $234 $177
Nationwide $161 $140
Progressive $186 $120
State Farm $150 $105
Travelers $200 $160
U.S. Average $172 $123
USAA, State Farm, and Geico continue to offer competitive rates to drivers with accidents and speeding tickets.
However, if usage-based auto insurance is available in your state, you may be able to pay even less for full coverage. For example, companies like State Farm, Geico, and smaller insurers like Metromile or Root Insurance use telematics systems to track your mileage and driving habits.
Usage-based auto rates are calculated by how many miles you drive monthly, which can help high-risk drivers save a lot of money on auto insurance if they drive fewer than 800 miles per month.
Cheapest Full Coverage Auto Insurance Rates for Teens
Teens and young drivers often pay the most for auto insurance coverage. This is because insurance companies consider their inexperience behind the wheel as high-risk and charge higher rates.
Buying liability-only can reduce teen car insurance rates, but young drivers are better protected with a full coverage policy. This table compares rates from the cheapest full coverage auto insurance companies for teens and young drivers under 25 with a clean record:
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
Insurance Company 16-Year-Old Female 16-Year-Old Male 18-Year-Old Female 18-Year-Old Male
Allstate $608 $638 $448 $519
American Family $390 $480 $288 $390
Farmers $778 $742 $573 $603
Geico $298 $312 $220 $254
Liberty Mutual $716 $778 $528 $633
Nationwide $411 $476 $303 $387
Progressive $801 $814 $591 $662
State Farm $311 $349 $229 $284
Travelers $709 $897 $523 $729
U.S. Average $558 $610 $411 $496
Geico and State Farm offer cheaper rates to teen drivers, followed closely by American Family and Nationwide.
However, if you live in one of the 12 states where Erie Insurance is available, you will find the most competitive rates on car insurance for under-25-year-olds. Erie offers cheap full coverage insurance to young drivers in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C.
What is a full coverage policy?
What does fully comprehensive car insurance cover? Coverage includes three different types of accident damages:
- Liability auto insurance. Covers damages you cause to others in an at-fault accident.
- Collision auto insurance. Covers damages you sustain in a collision with another vehicle or stationary object.
- Comprehensive auto insurance. Covers damages caused by natural disasters or unforeseen events, such as hail storms, fire, or vandalism.
The difference between full coverage insurance and liability-only coverage is that full coverage policies extend protection for damage or loss to your vehicle. The policy is considered “full” because it includes all liability coverage required by law while offering additional protections for you and your passengers in the event of an accident.
The collision and comprehensive policies make full coverage unique. Combined, the policies provide drivers with more than enough coverage. However, you can adjust your coverage to accommodate new cars and drivers on your policy or reduce your monthly rates and save money.
Is full coverage really full?🚗Looks can be deceiving – it doesn’t cover everything.🚫 Have you wondered what additional coverage you may need? 👉 https://t.co/ZzJApDfK36 Use our FREE💸search to price compare insurance rates near you: https://t.co/27f1xf131D pic.twitter.com/9QnH5Wjsv8
— AutoInsurance.org (@AutoInsurance) February 22, 2023
There are additional coverage options that you might want to consider adding to your full coverage policy. You should also review your auto insurance contract every six months to make sure you aren’t paying for coverage you don’t need.
What other coverages could be included in a full coverage policy?
As we discussed earlier, state laws determine how much auto insurance you must carry. In addition, some states require the following additional coverage that can be included in a full coverage policy:
- Personal injury protection (PIP) auto insurance. It covers medical costs and lost wages if you or your passengers are injured in an accident or collision.
- Medical payments coverage (MedPay). It covers medical costs for injuries sustained by you and your passengers.
- Uninsured motorist (UM) coverage. It takes care of damages and injuries caused by a hit-and-run or uninsured/underinsured driver.
- Guaranteed Auto Protection (GAP) insurance. Although not required by law, you may want to buy GAP insurance if you’re financing your vehicle.
Most companies also offer auto insurance add-ons that boost a policy with additional coverage, including roadside assistance or new car replacement.
How to Find Cheap Full Coverage Auto Insurance
Full coverage car insurance is a type of policy that extends your coverage beyond liability-only insurance. It includes coverage for collision and comprehensive damages, but policy rates are higher. However, drivers pay less out of pocket after an accident with full coverage insurance.
You can get more affordable full coverage auto insurance if you raise your deductibles and lower your coverage limits. However, this strategy is only recommended if you drive an older vehicle or can afford to repair or replace your car since you’ll be paying more out of pocket in return for lower rates.
Since full coverage auto insurance costs more upfront, it’s important to shop around with multiple companies to see which can offer you the best monthly rates. Auto insurance costs vary based on your age and driving record, so search for companies that cater to your unique driving situation.
If you want to save the most on car insurance, compare auto insurance quotes from at least three companies in your area. Comparing rates from multiple companies side by side is the fastest way to find one with the cheapest full coverage car insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What does full coverage car insurance cover?
Full coverage auto insurance covers liability, collision, and comprehensive claims. The policy is considered “full” because it includes all liability coverage required by law while offering additional protections for you and your passengers in the event of an accident, collision, natural disaster, theft, or vandalism.
Do I need full coverage on a financed car?
If you’re financing your car, check your loan before you buy auto insurance. Most lenders require drivers to carry full coverage until the vehicle loan is paid off.
Once you pay off the vehicle, you can drop any coverages you don’t want as long as you continue to carry your state’s liability minimums.
Does full coverage car insurance replace your vehicle?
Full coverage auto insurance does not pay to replace your vehicle, but it will cover the actual cash value of the car if it’s totaled in an accident. You’ll receive a payout for the value of your vehicle at the time of the accident.
If you’re interested in new car replacement, you must shop with companies offering that policy add-on. You can also compare quotes for classic car and supercar insurance, as these policies provide unique coverage for vehicles that appreciate in value over time.
What’s the average cost of full coverage car insurance?
The average cost of full coverage auto insurance is $119 per month. However, your full coverage rates will vary based on your age, ZIP code, and driving record.
Is full coverage car insurance mandatory?
State insurance laws don’t require full coverage insurance. However, your lender might have insurance minimums listed in the terms of your auto loan.
How can I find cheap full-coverage auto insurance?
To find affordable full coverage auto insurance, consider raising your deductibles and lowering your coverage limits. It’s also important to compare quotes from multiple insurance companies to find the best rates for your specific driving situation.
What other coverages could be included in a full coverage policy?
In addition to liability, collision, and comprehensive coverage, a full coverage policy may include additional coverages such as uninsured/underinsured motorist coverage, personal injury protection, and medical payment coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
