Cheapest Full-Coverage Car Insurance (January 2026)
Auto-Owners offers the cheapest full-coverage car insurance, at $82 per month.
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Written byJulia Taliesin
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
- Cheapest full-coverage companies by driver
- Cheapest full-coverage companies
- Cheap full-coverage for teens
- Cheap full-coverage for seniors
- Cheap full-coverage with speeding ticket
- Cheap full-coverage with accident
- Cheap full-coverage with DUI
- Cheap full-coverage with excellent credit
- Cheap full-coverage with poor credit
- Cheapest full-coverage by state
- How to save on car insurance
- Best full-coverage car insurance
- Full coverage vs. liability
- What full-coverage car insurance covers
- FAQs
Table of contents
- Cheapest full-coverage companies by driver
- Cheapest full-coverage companies
- Cheap full-coverage for teens
- Cheap full-coverage for seniors
- Cheap full-coverage with speeding ticket
- Cheap full-coverage with accident
- Cheap full-coverage with DUI
- Cheap full-coverage with excellent credit
- Cheap full-coverage with poor credit
- Cheapest full-coverage by state
- How to save on car insurance
- Best full-coverage car insurance
- Full coverage vs. liability
- What full-coverage car insurance covers
- FAQs
Auto-Owners is the cheapest company for full-coverage car insurance, with an average monthly rate of $82, according to Insurify data. This is lower than the nationwide full-coverage average of $174 per month.
As a driver, opting for full-coverage car insurance means more robust financial protection. The more extensive policy type covers damage to your vehicle, while a liability-only policy only covers damage and injuries you cause to other people.
If you’re considering a full-coverage policy, comparing multiple quotes and working with the right insurance company is important. Here’s what you need to know about cheap full-coverage car insurance and how to choose the right insurer for your situation.
Quick Facts
A full-coverage car insurance policy includes liability, comprehensive, and collision coverage.
On average, full-coverage car insurance policies cost $174 per month, with options starting as low as $82 per month, according to Insurify data.
The average cost of full-coverage car insurance is around 47% higher than the average cost of liability-only coverage, Insurify data shows.
Cheapest full-coverage car insurance by driver type
The cost of a full-coverage car insurance policy varies by insurer. Each insurance company has its own underwriting method for determining premiums. With that, the only way to find competitive rates for your unique situation is to shop around.
In the table below, you can see the cheapest insurance company for drivers in different categories, along with their average monthly full-coverage rates.
Driver/Coverage Type | Cheapest Insurance Company | Cheapest Full-Coverage Rate |
|---|---|---|
| Full coverage (overall) | Auto-Owners | $82 |
| Teens | Auto-Owners | $180 |
| Seniors | Auto-Owners | $59 |
| Drivers with a speeding ticket | Auto-Owners | $111 |
| Drivers with an at-fault accident | Auto-Owners | $108 |
| Drivers with a DUI | Auto-Owners | $121 |
| Drivers with excellent credit | Auto-Owners | $58 |
| Drivers with poor credit | Auto-Owners | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
In the table below, you can see the cheapest full-coverage car insurance companies overall, according to Insurify data.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageAuto-Owners $82 COUNTRY Financial $82 NJM $93 USAA $100 State Farm $107 Mile Auto $118 Erie $121 Safeco $140 GEICO $141 Allstate $142 Direct Auto $151 Root $151 American Family $152 Mercury $161 Progressive $163 Elephant $169 National General $172 Anchor $177 The General $180 Nationwide $182 Travelers $187 Commonwealth Casualty $193 Clearcover $195 CSAA $196 Bristol West $204 Plymouth Rock $207 Liberty Mutual $208 Farmers $211 GAINSCO $216 Chubb $216 AssuranceAmerica $230 Shelter $231 Dairyland $233 21st Century $240 The Hartford $243 State Auto $269 Amica $431 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age significantly affects your cost of car insurance, with teen drivers facing the highest premiums. Full-coverage policies cost an average of $334 per month for teen drivers, Insurify data shows.
Rates of fatal accidents for 16- and 17-year-olds are four times higher than for drivers 20 and older, according to the Insurance Institute for Highway Safety.
Most insurers offer good student discounts to young drivers with good grades. Driver education and volunteer discounts can also help offset the higher insurance costs for young drivers.
In the table below, you can see the cheapest full-coverage car insurance companies for teen drivers.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageCOUNTRY Financial $114 Auto-Owners $180 USAA $189 State Farm $220 NJM $220 Erie $226 Root $249 GEICO $251 Mile Auto $270 Elephant $287 Clearcover $291 Anchor $295 American Family $299 Mercury $303 The General $303 Allstate $304 CSAA $308 Safeco $311 Direct Auto $311 Liberty Mutual $356 Bristol West $358 Dairyland $362 Commonwealth Casualty $364 Nationwide $381 National General $384 Plymouth Rock $397 GAINSCO $405 21st Century $431 Travelers $435 Farmers $454 Shelter $501 Chubb $504 AssuranceAmerica $526 The Hartford $653 Amica $814 State Auto $823 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Senior drivers pay some of the lowest car insurance rates because they have more driving experience. Full-coverage policies for senior drivers cost $149 per month, on average.
Check out the cheapest full-coverage car insurance companies for senior drivers in the table below.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageNJM $53 Auto-Owners $59 COUNTRY Financial $61 USAA $76 State Farm $76 Erie $81 Mile Auto $84 GEICO $103 Allstate $109 American Family $112 Direct Auto $113 Mercury $120 Nationwide $122 National General $122 Root $123 Safeco $124 Shelter $131 Elephant $135 Anchor $137 Travelers $138 The Hartford $140 Chubb $140 CSAA $141 Commonwealth Casualty $144 The General $147 Farmers $153 AssuranceAmerica $163 Bristol West $163 Liberty Mutual $168 21st Century $171 Clearcover $175 Plymouth Rock $177 State Auto $178 GAINSCO $180 Dairyland $196 Amica $305 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Drivers with a speeding ticket pay a monthly average of $225 for full-coverage insurance. See how much insurers charge for coverage for drivers with a speeding ticket on their records.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageAuto-Owners $111 COUNTRY Financial $122 USAA $133 State Farm $137 Mile Auto $141 NJM $143 Erie $168 Direct Auto $189 Allstate $191 Elephant $192 GEICO $192 Safeco $194 American Family $203 National General $212 Root $213 Commonwealth Casualty $213 Anchor $218 Nationwide $243 GAINSCO $244 Mercury $248 Travelers $250 The General $254 Bristol West $256 CSAA $263 Clearcover $264 Liberty Mutual $269 Farmers $275 Chubb $277 Dairyland $286 Plymouth Rock $288 AssuranceAmerica $297 Shelter $324 21st Century $330 The Hartford $367 State Auto $378 Amica $630 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
If you’ve been in an at-fault accident, insurers will likely raise your rates. Drivers with an accident pay a monthly average of $232 for full coverage.
In the table below, you can see the cheapest full-coverage car insurance companies for drivers with an accident on their records.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageAuto-Owners $108 COUNTRY Financial $116 NJM $134 USAA $135 State Farm $140 Erie $160 Mile Auto $162 GEICO $178 Allstate $191 Root $202 American Family $205 Safeco $207 Direct Auto $212 Elephant $218 National General $228 Anchor $231 Nationwide $247 Commonwealth Casualty $253 Travelers $254 The General $257 Bristol West $266 GAINSCO $267 Mercury $273 Plymouth Rock $276 Liberty Mutual $278 Farmers $282 Chubb $285 CSAA $303 Dairyland $305 AssuranceAmerica $307 Clearcover $314 Shelter $315 21st Century $332 The Hartford $348 State Auto $376 Amica $596 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
If you’ve been convicted of a DUI, you’ll see your premiums increase because insurance companies will view you as a high-risk driver. Full-coverage policies for drivers with a DUI cost $256 per month, on average.
The table below shows how much insurers charge for full-coverage policies for drivers with a DUI on their records.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageCOUNTRY Financial $111 Auto-Owners $121 USAA $147 NJM $151 State Farm $157 Mile Auto $174 Erie $177 GEICO $203 Allstate $209 Direct Auto $222 American Family $224 Root $225 Safeco $236 Elephant $249 National General $253 Mercury $259 Anchor $262 The General $265 Nationwide $268 Travelers $275 Commonwealth Casualty $284 Clearcover $287 CSAA $288 Bristol West $300 Plymouth Rock $305 Liberty Mutual $306 Farmers $311 GAINSCO $318 Chubb $318 AssuranceAmerica $338 Shelter $342 Dairyland $343 21st Century $353 The Hartford $387 State Auto $396 Amica $664 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
People with high credit scores typically pay the lowest car insurance rates. Full-coverage policies average $152 per month for drivers with good to excellent credit.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageAuto-Owners $58 COUNTRY Financial $77 NJM $81 Erie $82 State Farm $85 USAA $88 Mile Auto $97 GEICO $107 Allstate $122 Safeco $127 American Family $128 Mercury $131 Direct Auto $133 Root $133 Elephant $150 National General $152 Liberty Mutual $155 Anchor $155 The General $157 Nationwide $161 Travelers $162 CSAA $168 Clearcover $169 Commonwealth Casualty $169 Farmers $178 Plymouth Rock $182 Chubb $182 Bristol West $184 GAINSCO $189 Shelter $199 AssuranceAmerica $201 Dairyland $203 21st Century $220 The Hartford $222 State Auto $226 Amica $357 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurers often charge higher rates to drivers with bad credit because they’re statistically more likely to file a claim. People with lower credit scores pay a monthly average of $211 for full-coverage policies, according to Insurify data.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance CompanyAverage Monthly Quote: Full CoverageCOUNTRY Financial $93 NJM $113 USAA $119 Auto-Owners $141 Mile Auto $143 Safeco $170 GEICO $171 Allstate $172 State Farm $174 American Family $174 Direct Auto $183 Root $183 Mercury $195 Erie $203 Elephant $205 National General $208 Anchor $215 The General $218 Nationwide $221 CSAA $221 Travelers $227 Commonwealth Casualty $234 Clearcover $236 Liberty Mutual $239 Bristol West $247 Farmers $256 GAINSCO $262 Plymouth Rock $264 AssuranceAmerica $279 Shelter $280 Dairyland $282 21st Century $291 The Hartford $322 State Auto $328 Chubb $421 Amica $522 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest full-coverage insurance by state
The state you call home — and even your ZIP code — has a big effect on your car insurance rates. A few reasons for varying rates include the frequency of litigation, medical care costs, car repair costs, weather trends, and the prevalence of auto insurance fraud.[1]
The chart below gives a breakdown of the cheapest average full-coverage quotes based on your state:
Full-Coverage Rates by State
State | Cheapest monthly cost | Cheapest insurer |
|---|---|---|
| Alabama | $93 | Auto-Owners |
| Arizona | $104 | Auto-Owners |
| Arkansas | $87 | State Farm |
| California | $185 | Root |
| Colorado | $118 | State Farm |
| Connecticut | $154 | State Farm |
| Delaware | $111 | USAA |
| Florida | $116 | State Farm |
| Georgia | $126 | Auto-Owners |
| Idaho | $47 | Auto-Owners |
| Illinois | $82 | Auto-Owners |
| Indiana | $77 | Auto-Owners |
| Iowa | $44 | State Farm |
| Kansas | $95 | State Farm |
| Kentucky | $155 | Direct Auto |
| Louisiana | $108 | State Farm |
| Maine | $73 | USAA |
| Maryland | $185 | CSAA |
| Massachusetts | $78 | State Farm |
| Michigan | $115 | Auto-Owners |
| Minnesota | $94 | State Farm |
| Mississippi | $77 | State Farm |
| Montana | $53 | State Farm |
| Missouri | $103 | USAA |
| North Dakota | $31 | Auto-Owners |
| Nebraska | $79 | Auto-Owners |
| New Hampshire | $74 | Safeco |
| Nevada | $74 | COUNTRY Financial |
| New Jersey | $169 | NJM |
| New Mexico | $109 | State Farm |
| New York | $136 | Erie |
| North Carolina | $75 | Progressive |
| Ohio | $62 | Mile Auto |
| Oklahoma | $73 | State Farm |
| Oregon | $86 | Mile Auto |
| Pennsylvania | $82 | State Farm |
| South Carolina | $107 | USAA |
| South Dakota | $81 | State Farm |
| Tennessee | $81 | Mile Auto |
| Texas | $101 | State Farm |
| Utah | $85 | USAA |
| Virginia | $99 | Auto-Owners |
| Washington | $113 | State Farm |
| Washington D.C. | $161 | CSAA |
| Vermont | $38 | State Farm |
| West Virginia | $72 | State Farm |
| Wisconsin | $62 | USAA |
| Wyoming | $40 | USAA |
Source: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Insufficient data is available to show results for Alaska and Hawaii.
State | Cheapest monthly cost | Cheapest insurer |
|---|---|---|
| California | $185 | Root |
How to get cheaper full-coverage car insurance
Car insurance is an unavoidable expense, as it’s illegal to drive without a minimum amount of insurance in every state except New Hampshire. It’s possible to find cheap auto insurance, and you don’t have to overpay for a policy.
Here are a few strategies to help you reduce costs:[2]
Keep a clean driving record. If you have a clean driving record and haven’t filed any claims, it can keep your full-coverage insurance costs down.
Look for discounts. Insurers offer a wide range of discounts, which can lower the price of your policy. Popular discounts are available for bundling policies, insuring multiple vehicles, and being a safe driver.
Build your credit. Drivers with good credit histories pay less for insurance than drivers with poor credit histories. If possible, improve your credit to tap into lower rates.
Shop around. Compare quotes from multiple insurance companies to find the best cheap car insurance. An online quote-comparison tool can simplify this task by showing you multiple quotes side by side.
Expert Insight
Adam Fraticelli
Digital Personal Lines Agent
Higher deductibles help reduce the monthly cost. That said … it’s a cost-versus-value situation. Do you value saving $XX per month/policy period, or would you rather that if a claim happened, the cost be lower out of pocket once the car is repaired?
Our top picks for cheap full-coverage car insurance
The best car insurance companies offering full-coverage policies have a combination of affordable rates and a high-quality customer experience.
Auto-Owners has the cheapest average full-coverage rates, at $82 per month, but it’s not available in every state. State Farm’s average full-coverage rates may be higher for some drivers, but the company is available nationwide.
Below, you can see some of the best full-coverage car insurance companies that also offer affordable rates.
Best insurer for customer satisfaction: Erie
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
4.4
Best choiceBased on 450 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (212)
Robert
Verified Review
Erie, Best Prices
Reviewed in Virginia on January 8, 2026
Friendly, efficient, and always the best prices when I've researched.
Dixie
Verified Review
Overall a good experience
Reviewed in Tennessee on January 6, 2026
One of the cheapest car insurance policies I have ever had.
Tommy
Verified Review
An Erie Look
Reviewed in Virginia on January 3, 2026
No problems and a company with the lowest premium increase among other competitors.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie Insurance has been selling auto coverage since 1925. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. AM Best gives Erie superior ratings for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners and ranks third in overall customer satisfaction, according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.
Pros
Excellent BBB, J.D. Power, and AM Best ratings
Competitive rates for teenagers and drivers with speeding tickets
Offers numerous optional auto coverages
Cons
Available in only 12 states
Customers can’t buy a policy or file a claim online
Offers fewer discounts than competitors
Best insurer for affordable nationwide coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
4.0
Best choiceBased on 14,346 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,919)
June
Verified Review
Auto Claims Which Are Not Correct
Reviewed in California on January 28, 2026
The insurance claim agents never look at the accidents to see when the claimants overcharge State Farm. State Farm never investigates the claims fairly because they will never leave their computers to check out what is true or false. State Farm paid $18,000 for a fender bender I had in SF in 2021 because I ran into an older car in front of me. That was ridiculous.
June
Verified Review
My Experience with Auto Claims
Reviewed in California on January 28, 2026
I have had 3 accidents in the last 5 years, and I think State Farm just pays out to the claimant without looking into the reasons.
Nixon
Verified Review
I'm grateful for everything they've done for me, and the coverage is top-notch.
Reviewed in Louisiana on January 28, 2026
So far, it's the best insurance I've had for my cars, and I honestly recommend it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Best insurer for military and veteran families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.9
Best choiceBased on 2,814 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,426)
Richard
Verified Review
No Problem
Reviewed in North Dakota on January 28, 2026
No problem. I pay the bill and have not had to use the insurance.
Dale
Verified Review
USAA Experience
Reviewed in Colorado on January 28, 2026
Transparent, very good service, good value.
John
Verified Review
Shop around and don't be fooled
Reviewed in Florida on January 28, 2026
When you try to cancel, you get hassled, and they only think of money and how much they can get from you. It's the second most expensive car insurance I've ever had.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Full coverage vs. liability only: What’s the difference?
Liability coverage is the barebones option most states require drivers to purchase. Each state sets different minimum liability insurance requirements, usually broken down into bodily injury liability and property damage liability. Since every state except New Hampshire mandates liability coverage, this serves as the starting point for most drivers.[3]
Liability coverage only protects other drivers on the road and others’ property from damage or injuries you cause. But liability coverage won’t help you pay to repair or replace your vehicle.
In addition to liability coverage, full coverage includes comprehensive and collision insurance. When an accident or another incident damages your vehicle, full coverage will help you repair or replace it. This coverage will typically pay out the fair market value of your vehicle.
Full-coverage policies cost more than liability-only policies, but they offer more protection.
The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| Auto-Owners | $82 | $47 |
| COUNTRY Financial | $82 | $44 |
| NJM | $93 | $58 |
| USAA | $100 | $53 |
| State Farm | $107 | $55 |
| Mile Auto | $118 | $70 |
| Erie | $121 | $75 |
| Safeco | $140 | $87 |
| GEICO | $141 | $87 |
| Allstate | $142 | $75 |
| Direct Auto | $151 | $95 |
| Root | $151 | $90 |
| American Family | $152 | $82 |
| Mercury | $161 | $96 |
| Progressive | $163 | $97 |
| Elephant | $169 | $111 |
| National General | $172 | $90 |
| Anchor | $177 | $113 |
| The General | $180 | $93 |
| Nationwide | $182 | $96 |
| Travelers | $187 | $99 |
| Commonwealth Casualty | $193 | $82 |
| Clearcover | $195 | $141 |
| CSAA | $196 | $142 |
| Bristol West | $204 | $101 |
| Plymouth Rock | $207 | $139 |
| Liberty Mutual | $208 | $152 |
| Farmers | $211 | $109 |
| GAINSCO | $216 | $102 |
| Chubb | $216 | $119 |
| AssuranceAmerica | $230 | $125 |
| Shelter | $231 | $141 |
| Dairyland | $233 | $92 |
| 21st Century | $240 | $133 |
| The Hartford | $243 | $150 |
| State Auto | $269 | $152 |
| Amica | $431 | $267 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Full-Coverage Car Insurance
Rates start as low as $82
Excellent
4.7 out of 5 based on 11,378 reviews
Secure. Free. Easy-to-use.
What full-coverage car insurance covers
Full-coverage car insurance includes liability coverage for at least your state’s minimum required amount, along with comprehensive and collision coverage. A full-coverage policy protects your car, other drivers, and their cars.
If you opt for a full-coverage policy, your insurer will reimburse you after an accident or other event that damages your vehicle. For example, if you hit a light pole, your collision coverage would pay for repairs. If someone steals your car, your comprehensive coverage would come into play.
Full-coverage insurance includes multiple layers of protection. Here’s a closer look at what it covers:
Bodily injury liability coverage
Bodily injury liability covers injuries you cause to someone else. A full-coverage policy includes at least the state-minimum amount of bodily injury liability coverage, and you can purchase additional coverage.
Property damage liability coverage
Property damage liability covers damage you cause to someone else’s property. That’s usually their vehicle, but it also includes damage to buildings, fences, telephone poles, etc.
Personal injury protection coverage
Some states require this coverage, which pays for injuries to you and your passengers. It can include medical payments, lost wages, and more.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage reimburses you if a driver hits you and they don’t have enough insurance to cover your injuries or damages. Some states require it, but you can purchase it as an add-on.
Collision coverage
Collision insurance provides reimbursement after an accident with another vehicle or an object, like a tree or fence. If you get in an accident, the policy will help you repair or replace your vehicle.
Comprehensive coverage
Comprehensive insurance protects you financially in a non-collision event. For example, you can file a claim after a fallen tree or hailstorm damages your vehicle, or following theft, vandalism, flood, or fire.
Full-coverage insurance isn’t a catch-all coverage. While you’ll find more protection than a liability-only policy, your coverage will still have a few gaps. Full coverage doesn’t cover a few things, including:
Commercial usage: If you’re a rideshare driver or deliver items from a grocery store or pharmacy with your vehicle, a standard full-coverage policy won’t offer protection. You’d need to purchase a rideshare insurance policy.
Vehicle upgrades: A standard full-coverage policy doesn’t cover a fancy sound system or premium rims. But you can buy supplemental insurance to protect your after-market upgrades.
Gap insurance: The insurance company will pay out the fair market value of your vehicle after a total loss but not the gap between the value of your vehicle and what you owe on your auto loan or lease. You can purchase gap insurance to cover the difference.[4]
If you aren’t sure what your policy covers, look at your policy declaration page. It’s better to find any coverage gaps before you run into an issue.
Cheap full-coverage car insurance FAQs
If you’re shopping for full-coverage car insurance, the additional information below can help as you research your coverage options.
Auto-Owners has the cheapest full-coverage insurance, Insurify data shows. Its average monthly rate is $82 for a full-coverage policy.
Erie, State Farm, and USAA offer some of the best full-coverage insurance on the market. As a driver, you’ll need to determine which auto insurance company best suits your individual needs by comparing quotes.
If you financed a vehicle, you may have to maintain full coverage until you pay it off. After that point, you have the choice to maintain or drop collision and comprehensive coverage. If the cost of repairing your vehicle meets or exceeds the value of your vehicle, dropping full coverage could be the right move.
In most cases, lenders require drivers to maintain full coverage on a vehicle until you pay it off. If you finance or lease your vehicle, read the details of your contract to determine whether or not full coverage is required.
When you purchase collision and comprehensive insurance, your insurance company will help you repair or replace your vehicle after a covered incident. But the policy often only covers the market value of your vehicle.
Since cars depreciate in value, you might find a gap between what you need to buy another car and your insurance coverage. In this case, you might want to consider supplemental gap insurance coverage.
Full-coverage insurance provides more financial protection. In some cases, it’s worth it to opt for this additional coverage. But in other cases, it can make more financial sense to skip full coverage.
For example, if you drive an older vehicle with a value less than what it would cost to repair, it might not be worth carrying full coverage. But if you have a new vehicle, replacing or fixing the bumper after a fender bender can range from $100 to $1,000, which could make the cost of a full-coverage policy worth it.
If you have a ticket or accident on your record, your insurance company will likely increase your premiums when your policy renews. You can compare quotes from several different insurers to see whether any of them offer cheaper full-coverage rates to drivers with an incident on their record.
If you drive an older car and it would cost more to repair it than its current value, full coverage might not be worth it. But if the added coverage would give you peace of mind, you might consider maintaining full coverage on your car.
Probably. Most lenders or leasing companies will require you to have a full-coverage policy if you’ve financed or leased your vehicle so that they can protect their investment.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What is gap insurance?."
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Julia TaliesinEconomic Analyst, Insurance
Julia is an economic analyst and insurance correspondent at Insurify. Since joining Insurify in 2024, she’s researched and written 100+ articles on various insurance topics, including auto, home, renters, pet, and life insurance. She’s been quoted by publishers like Newsweek and the LA Times on topics ranging from the effects of climate change on home insurance rates to the costs of EV ownership.
She began her career as a local journalist, covering local government, business, and public health in the Boston area. She published multiple investigative stories, researching and analyzing public records to report on municipal finances and budget allocation, zoning and building development, and personnel.
Julia holds a Bachelor’s degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys salsa dancing, singing in cover bands, and baking delicious treats.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.