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Cheapest Full-coverage Car Insurance Comparison
According to our rate estimates, Nationwide offers the cheapest full-coverage car insurance at an average rate of $119 per month for a 35-year-old with a clean driving record. USAA is also another cheap option, at $126 per month. However, USAA is only available to members of the military, veterans and their children.
Below, you can see annual and monthly rate averages for a variety of major car insurance companies.
| Car Insurance Company | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Nationwide | $1,428 | $119 |
| USAA | $1,512 | $126 |
| Geico | $1,596 | $133 |
| Travelers | $1,596 | $133 |
| State Farm | $1,656 | $138 |
| American Family Insurance | $1,848 | $154 |
| Progressive | $2,028 | $169 |
| Allstate | $2,592 | $216 |
| Farmers | $3,168 | $264 |
Cheapest Full-coverage Car Insurance Companies
Next, we’ll look at the cheapest full-coverage car insurance companies broken down by state, driver age and driving record.
Cheapest Full-coverage Car Insurance by State
Your location is one of the biggest factors that influence your car insurance premium. This section shows the cheapest provider based on our estimates for a 35-year-old driver in each state.
While companies like Geico and USAA offer cheap car insurance on average, the cheapest company in each state varies. Regional providers like Country Financial and Farm Bureau insurance tend to be affordable as well, so we encourage you to compare all your options.
| State | Cheapest Car Insurance Company* | Average Annual Rate |
|---|---|---|
| Alabama | Travelers | $1,332 |
| Alaska | Geico | $1,020 |
| Arizona | Geico | $1,173 |
| Arkansas | State Farm | $1,346 |
| California | Mercury | $1,748 |
| Colorado | Geico | $1,306 |
| Connecticut | Geico | $995 |
| Delaware | Travelers | $1,554 |
| District of Columbia | Geico | $1,579 |
| Florida | State Farm | $1,813 |
| Georgia | Auto-Owners Insurance | $1,544 |
| Hawaii | Geico | $1,162 |
| Idaho | State Farm | $881 |
| Illinois | Pekin | $792 |
| Indiana | Geico | $1,176 |
| Iowa | Pekin | $816 |
| Kansas | Geico | $1,263 |
| Kentucky | Geico | $1,583 |
| Louisiana | Southern Farm Bureau | $1,926 |
| Maine | Auto-Owners Insurance | $758 |
| Maryland | Geico | $1,245 |
| Massachusetts | Progressive | $1,776 |
| Michigan | Progressive | $2,209 |
| Minnesota | State Farm | $1,228 |
| Mississippi | Progressive | $1,212 |
| Missouri | Travelers | $1,477 |
| Montana | Progressive | $972 |
| Nebraska | Nationwide | $1,332 |
| Nevada | State Farm | $1,376 |
| New Hampshire | Auto-Owners Insurance | $833 |
| New Jersey | Geico | $1,472 |
| New Mexico | Central Mutual | $1,358 |
| New York | Progressive | $1,302 |
| North Carolina | Erie Insurance | $1,043 |
| North Dakota | American Family Insurance | $1,401 |
| Ohio | Nationwide | $825 |
| Oklahoma | State Farm | $1,502 |
| Oregon | State Farm | $1,210 |
| Pennsylvania | Travelers | $907 |
| Rhode Island | Travelers | $1,806 |
| South Carolina | American National | $783 |
| South Dakota | State Farm | $1,816 |
| Tennessee | State Farm | $1,223 |
| Texas | Texas Farm Bureau | $1,205 |
| Utah | Geico | $1,129 |
| Vermont | Union Mutual Fire Insurance | $708 |
| Virginia | State Farm | $1,185 |
| Washington | Geico | $1,304 |
| West Virginia | State Farm | $1,378 |
| Wisconsin | Geico | $1,059 |
| Wyoming | American National | $918 |
*This table doesn’t include USAA. While it’s often the cheapest provider in many states, it’s only available to military members, veterans and their children.
Cheapest Full-coverage Car Insurance by Age
Age is another important factor in how much you pay for full-coverage car insurance. Younger drivers are associated with higher rates of accidents and violations, so they pay more for car insurance. Our averages show Geico is often the cheapest provider for drivers of different ages.
| Age | Cheapest Provider* | Average Annual Rate |
|---|---|---|
| 16 | Erie Insurance | $4,259 |
| 17* | Geico | $3,646 |
| 18* | Geico | $3,161 |
| 19* | Geico | $2,485 |
| 21* | Geico | $1,844 |
| 25 | Nationwide | $1,663 |
| 35 | Nationwide | $1,433 |
| 45 | Nationwide | $1,342 |
| 55 | Nationwide | $1,229 |
| 65* | Geico | $1,227 |
| 75* | Geico | $1,457 |
*Costs taken from 2022 information
**Not including USAA
Cheapest Full-coverage Car Insurance for Accidents and Violations
Your driving record has a big impact on the rates you pay. Depending on your state, you may pay elevated car insurance rates for three to five years after an accident or violation.
According to our rate averages, State Farm, Nationwide and Geico are often affordable for drivers with an accident or violation. However, that’s not always the case. Let’s take a look at rate averages for a variety of situations.
Cheapest After a Speeding Ticket
After a speeding ticket, the company with the cheapest coverage is Erie Insurance. Our averages here apply to speeding 16 to 20 MPH over the limit, and we found this type of speeding ticket raises rates an average of $500 per year.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| Erie Insurance | $141 | $1,690 |
| USAA | $152 | $1,828 |
| State Farm | $156 | $1,872 |
| Nationwide | $157 | $1,878 |
| Geico | $178 | $2,137 |
| Progressive | $212 | $2,541 |
Cheapest After a Stop Sign Violation
Running a stop sign puts people in danger and definitely raises your insurance rates. Our estimates show drivers pay $550 more per year on average for having this type of violation. Nationwide is the cheapest mass-market provider on our list, with rate averages of $1,650 per year.
| Car Insurance Company | Average Annual Rate |
|---|---|
| USAA | $1,405 |
| Nationwide | $1,650 |
| Geico | $1,739 |
| State Farm | $1,749 |
| Travelers | $2,032 |
| American Family Insurance | $2,061 |
| Progressive | $2,477 |
| Allstate | $2,738 |
| Farmers | $3,323 |
*Data taken from 2022 information.
Cheapest After a DUI
Having a DUI on your record can make your insurance rates go sky high. Our estimates show drivers pay an average of about $1,423 more per year for having a DUI on their records. That’s about 71% higher than average rates for a driver with a clean record. If a DUI stays on your record for 3 years, that’s about $4,269 more in car insurance.
Our averages show State Farm is generally the most affordable provider to have with a DUI on your record. Erie, Progressive and USAA are also affordable.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| State Farm | $183 | $2,194 |
| Erie Insurance | $206 | $2,474 |
| Progressive | $212 | $2,548 |
| USAA | $227 | $2,721 |
| Nationwide | $274 | $3,288 |
| Geico | $303 | $3,641 |
Cheapest After One Accident
Having an at-fault accident can raise your rates by about 45%, according to our averages. State Farm tends to be the cheapest national provider to have in this situation, as it offers average annual rates of $1,953.
| Car Insurance Company | Monthly Cost Estimate | Annual Cost Estimate |
|---|---|---|
| State Farm | $163 | $1,953 |
| Erie Insurance | $164 | $1,962 |
| USAA | $182 | $2,187 |
| Nationwide | $197 | $2,368 |
| Geico | $225 | $2,694 |
| Progressive | $254 | $3,052 |
Cheapest After an Accident With a Speeding Ticket
An at-fault accident and a speeding ticket on the same driving record combine to raise car insurance rates even more. Our averages show drivers with these two marks on their records pay 86% more for car insurance annually on average. In this case, State Farm is the cheapest mass-market provider, averaging $2,077 per year.
| Car Insurance Company | Average Annual Rate |
|---|---|
| USAA | $1,903 |
| State Farm | $2,077 |
| American Family Insurance | $2,259 |
| Nationwide | $2,366 |
| Travelers | $2,612 |
| Geico | $2,836 |
| Progressive | $3,329 |
| Allstate | $4,173 |
| Farmers | $4,193 |
*Data taken from 2022 information.
Cheapest After Two Accidents
With two at-fault accidents on your record, you become a more risky driver to insure. Our estimates show drivers with two accidents pay more than double what drivers with clean records pay on average, which costs them an average of $2,031 more per year.
In this situation, it would likely be best to have State Farm, USAA, American Family or Nationwide, as they’re the four cheapest major providers for drivers with two accidents on their records.
| Car Insurance Company | Average Annual Rate |
|---|---|
| State Farm | $2,084 |
| USAA | $2,565 |
| American Family Insurance | $2,408 |
| Nationwide | $2,797 |
| Travelers | $2,935 |
| Geico | $3,509 |
| Progressive | $3,977 |
| Allstate | $4,724 |
| Farmers | $5,243 |
*Data taken from 2022 information.
Cheapest After Three Accidents
If you’ve had three at-fault accidents, you may have a hard time finding affordable car insurance. State Farm is the large insurer that typically offers the cheapest rates for these drivers, averaging about $2,341 per year, but that’s still expensive. On average, drivers with three at-fault accidents in their recent insurance history pay $3,706 more per year for car insurance than people with clean driving records.
| Car Insurance Company | Average Annual Rate |
|---|---|
| State Farm | $2,341 |
| American Family Insurance | $2,826 |
| USAA | $3,465 |
| Nationwide | $3,974 |
| Travelers | $4,085 |
| Geico | $5,043 |
| Allstate | $6,395 |
| Farmers | $7,392 |
| Progressive | $7,643 |
*Data taken from 2022 information.
Best Cheap Full-coverage Car Insurance
After we considered average cost estimates for a variety of types of drivers, our top picks for the cheapest full-coverage car insurance were Nationwide, State Farm, Geico, USAA and American Family.
Nationwide
Overview
Nationwide is our top choice for the cheapest full-coverage car insurance. The company offers average rates about 29% cheaper than the national average for good drivers, according to our data. Nationwide is also one of the cheapest companies for people with speeding tickets and minor infractions on their records.
The company has an A+ rating and accreditation from the Better Business Bureau (BBB), which shows it responds to complaints quickly.
Keep reading: Nationwide insurance review
Nationwide Pros and Cons
Pros Car insurance coverage available in 46 states Many standard and add-on car insurance options Offers usage-based insurance A+ rating from the BBB and AM Best Cons Higher average insurance costs Mixed customer reviews
State Farm
Overview
After comparing car insurance companies on cost, coverage, reputation, availability and customer experience, we rate State Farm 9.3 out of 10.0 and name it Best Customer Experience. State Farm offers a good combination of affordability, good customer service and coverage selection.
Students can save with State Farm’s good student discount and its usage-based Steer Clear® program for young drivers. The company has an A+ rating from the BBB.
Keep reading: State Farm insurance review
State Farm Pros and Cons
Pros A++ financial strength rating from AM Best Good discount opportunities for students and teens Usage-based insurance discount Many local insurance agents across the U.S. Cons Not available in Massachusetts or Rhode Island Mixed State Farm insurance reviews
Geico
Overview
Geico is another reputable provider that offers cheap auto insurance. Our data shows Geico is the cheapest option in many states, and it offers average rates about 20% cheaper than the market average.
In our survey of nearly 7,000 car insurance customers, about 16% of those polled had Geico insurance. Those customers rated Geico 4.1 out of 5.0 for overall satisfaction and 4.2 for claims service. Geico also has an A+ rating from the BBB.
Geico Pros and Cons
Pros A++ financial strength rating from AM Best and A+ rating from the BBB Low rates for most drivers High policy limits Usage-based insurance discount Highly rated mobile app Cons Average J.D. Power claims ratings Not always the cheapest for people with poor credit or recent accidents Fewer local agents than other companies
USAA
Overview
A list of the cheapest full-coverage car insurance companies wouldn’t be complete without USAA because it tends to offer the lowest premiums for drivers who qualify. Our estimates show USAA’s full-coverage rates average about $1,054 per year, which is 39% cheaper than the national average.
USAA also has high customer service ratings and earned the top score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠ with 909 out of 1,000 points.
USAA Pros and Cons
Pros Affordable rates High performance on J.D. Power customer surveys Highly rated mobile app A++ financial rating Cons Not available to everyone SafePilot only available in 25 states Not the cheapest option after a DUI
American Family Insurance
Overview
Our averages show American Family Insurance is another provider that generally offers cheap full-coverage car insurance. Its average rates are about 11% cheaper than the national average. It’s also one of the cheapest full-coverage auto insurance options for drivers with a DUI or multiple accidents on their records.
American Family has an A rating from the BBB and got the best overall satisfaction score in our car insurance consumer survey, landing 4.5 out of 5.0 points.
American Family Insurance Pros and Cons
Pros Affordable policy choices Several car insurance discounts Many add-on coverage options Cons Poor customer reviews from the Better Business Bureau (BBB) and Trustpilot Only available in 19 states
American Family Customer Review Scores
Our review team reached out to American Family Insurance for a comment on its BBB customer review score, but the company declined to give a statement.
What Is a Full-coverage Insurance Policy?
Full-coverage car insurance typically includes liability insurance and comprehensive and collision coverage. When combined, these three coverage types compensate other drivers when you cause an accident and also protect your vehicle from accident and non-accident damage.
Liability Insurance
Liability car insurance covers medical bills and car damage for other people in accidents you cause. Almost every state requires minimum levels of liability coverage, as it’s the most important kind to have.
For example, Nevada requires $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident and $20,000 of property damage liability coverage per accident. These coverage limits are written as 25/50/20, and they’re similar to many other state minimums.
You can also get higher limits, even up to $300,000 or more in bodily injury coverage per person depending on the insurer. Having full-coverage insurance doesn’t require you to have more than your state’s minimum level of liability coverage, but higher limits offer better protection.
Comprehensive Coverage
Also called “other-than-collision” coverage, comprehensive coverage covers repairs if your car is damaged by anything other than an accident. This includes things like damage from crashing into a wall or damage from a hailstorm. Comprehensive insurance also covers damage from:
- Fire
- Falling objects
- Inclement weather
- Collision with a stationary object
- Vandalism
- Theft of car parts
Comprehensive coverage will also usually cover theft of the entire vehicle.
Collision Coverage
Collision insurance covers repair bills for your car when you cause an accident. This insurance covers up to the value of your car or pays a settlement value if your car is totaled. If you have a vintage or luxury car that appreciates in value, you can get classic car insurance that covers up to an agreed-upon value.
Additional Coverages
The following choices are optional and usually considered separate from full-coverage insurance:
Uninsured/Underinsured Motorist
Not everyone on the road has insurance. Underinsured and uninsured motorist coverage protect you if someone without enough insurance causes an accident. It comes in two types — bodily injury and property damage — and often mirrors the coverage levels you select for liability insurance.
Some states require this coverage, so it would be included in full-coverage auto insurance policies in those cases. Other states don’t require it, but it’s still a good idea to have it. Many people drive with minimum liability limits, which often aren’t enough if someone needs extensive medical care after an accident.
Medical Coverage
Medical coverage is another optional type of insurance some states require. It comes in two varieties: medical payments coverage (MedPay) and personal injury protection (PIP). Both can cover medical bills for you and your passengers after an accident no matter who caused it. But PIP insurance adds coverage for death benefits and lost wages.
Some states have a no-fault car insurance system, which means drivers use their own insurance to cover medical bills no matter who caused the accident. These states usually require drivers to have minimum PIP coverage to make the system work.
How To Get the Cheapest Full-coverage Insurance
To get the cheapest full-coverage car insurance, shop around and consider changing your coverage amounts or deductible to lower your overall costs.
Shop Around
One of the simplest ways to find a cheaper rate is to compare auto insurance quotes from multiple providers. You can use online quote tools like the one on this page as well as insurance agents or brokers in your area. There are many affordable regional providers that offer coverage in only a few states, so explore all of your options.
Reduce Your Coverage and Raise Your Deductible
To save money, you can decrease the limits on your liability coverage until you meet the state-required amount. You could save money with a liability-only policy if your car is worth $5,000 or less and you own it, so take that into consideration too.
Another way to save money is to increase your deductible, which applies to comprehensive and collision coverage. Raising your deductible will lower your monthly cost because you’re taking on more of the risk if you get into an accident. Be sure you can afford to cover your deductible, of course.
The Bottom Line: Cheap Full-coverage Insurance
Full-coverage car insurance can be affordable if you know where to look. Our picks for the cheapest full-coverage car insurance providers are Nationwide, State Farm, Geico, USAA and American Family Insurance. Compare car insurance quotes from providers to find the best option for you.
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Cheapest Full-coverage Car Insurance Policy: FAQ
The cheapest type of car insurance is minimum liability coverage. This covers property damage and medical bills for other people when you cause an accident, and it’s required in almost every state.
According to our rate estimates, Geico is about 19% cheaper than Progressive on average for full-coverage auto insurance. However, each person’s rate depends on factors including their location and driving history. Compare both companies to see which is cheaper for you.
Full-coverage insurance is usually required if you have an auto loan or lease on a vehicle. This is because the lender has an interest in keeping the vehicle in good condition. You aren’t required to have full-coverage insurance if you own your car outright.
According to our insurance premium data, minimum coverage insurance costs an average of $627 per year while full-coverage car insurance costs an average of $2,008 per year. That makes minimum coverage about 69% cheaper than full coverage on average
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
