Cheapest Full-Coverage Car Insurance (March 2026)
Auto-Owners offers the cheapest full-coverage car insurance, at $83 per month.
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Written byJulia Taliesin
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Julia TaliesinEconomic Analyst, Insurance
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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Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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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.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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As Senior Director, Media Relations, for Insurance Information Institute, 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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Konstantin HalachevVP of Engineering & Data Science
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.
Updated
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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 $83, according to Insurify data. This is lower than the nationwide full-coverage average of $173 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 car insurance 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 $173 per month, with options starting as low as $83 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.
You can also listen or watch us discuss cheap full-coverage car insurance tips and tricks on this episode of the Insurify No Dumb Questions podcast - but if you'd prefer to read, just scroll on.
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 | $83 |
| Teens | Auto-Owners | $183 |
| Seniors | Auto-Owners | $60 |
| Drivers with a speeding ticket | Auto-Owners | $112 |
| Drivers with an at-fault accident | Auto-Owners | $109 |
| Drivers with a DUI | Auto-Owners | $122 |
| Drivers with excellent credit | Auto-Owners | $59 |
| Drivers with poor credit | Auto-Owners | $144 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
In the table below, you can see the cheapest full-coverage car insurance companies overall, according to Insurify data.
The below national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $83 COUNTRY Financial $85 NJM $93 USAA $100 State Farm $107 Mile Auto $119 Erie $122 Safeco $139 GEICO $142 Allstate $143 Direct Auto $146 Root $151 American Family $153 Mercury $160 Progressive $160 Elephant $169 National General $170 Anchor $179 The General $180 Nationwide $183 Travelers $187 Commonwealth Casualty $188 CSAA $195 Clearcover $197 Bristol West $203 Liberty Mutual $207 Plymouth Rock $211 Farmers $211 GAINSCO $214 Chubb $216 AssuranceAmerica $221 Dairyland $226 Shelter $231 21st Century $242 The Hartford $243 State Auto $273 Amica $432 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 $330 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 national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $118 Auto-Owners $183 USAA $189 NJM $218 State Farm $221 Erie $226 Root $248 GEICO $251 Mile Auto $274 Clearcover $289 Elephant $289 Direct Auto $298 CSAA $298 Mercury $302 American Family $302 The General $304 Anchor $304 Allstate $307 Safeco $308 Liberty Mutual $354 Bristol West $356 Dairyland $356 Commonwealth Casualty $357 National General $380 Nationwide $384 GAINSCO $395 Plymouth Rock $403 21st Century $434 Travelers $437 Farmers $457 Shelter $498 Chubb $502 AssuranceAmerica $516 The Hartford $649 Amica $810 State Auto $833 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 national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $60 COUNTRY Financial $62 State Farm $76 USAA $76 Erie $82 Mile Auto $84 GEICO $103 Allstate $109 Direct Auto $109 American Family $113 Mercury $118 National General $121 Nationwide $122 Root $122 Safeco $123 Shelter $130 Elephant $134 Anchor $137 Travelers $137 The Hartford $139 Commonwealth Casualty $140 Chubb $140 CSAA $144 The General $147 Farmers $153 AssuranceAmerica $154 Bristol West $162 Liberty Mutual $167 21st Century $172 Clearcover $176 GAINSCO $179 State Auto $179 Plymouth Rock $182 Dairyland $189 Amica $304 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 $224 for full-coverage insurance. See how much insurers charge for coverage for drivers with a speeding ticket on their records.
The below national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $112 COUNTRY Financial $127 USAA $133 State Farm $137 Mile Auto $142 NJM $143 Erie $169 Direct Auto $182 Elephant $192 Allstate $193 GEICO $193 Safeco $193 American Family $206 Commonwealth Casualty $208 National General $210 Root $213 Anchor $221 GAINSCO $242 Mercury $246 Nationwide $246 CSAA $250 Travelers $251 Bristol West $256 The General $256 Clearcover $264 Liberty Mutual $267 Farmers $276 Chubb $279 Dairyland $280 AssuranceAmerica $286 Plymouth Rock $299 Shelter $324 21st Century $334 The Hartford $367 State Auto $385 Amica $632 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 national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $109 COUNTRY Financial $121 NJM $135 USAA $136 State Farm $141 Erie $162 Mile Auto $164 GEICO $181 Allstate $194 Root $203 Direct Auto $205 Safeco $205 American Family $208 Elephant $218 National General $227 Anchor $231 Commonwealth Casualty $247 Nationwide $250 Travelers $255 The General $257 GAINSCO $264 Bristol West $265 Mercury $271 Liberty Mutual $278 Plymouth Rock $283 Farmers $283 Chubb $287 AssuranceAmerica $296 Dairyland $297 CSAA $312 Clearcover $313 Shelter $317 21st Century $336 The Hartford $350 State Auto $384 Amica $602 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 $254 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 national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $117 Auto-Owners $122 USAA $147 NJM $152 State Farm $157 Mile Auto $175 Erie $180 GEICO $206 Allstate $210 Direct Auto $214 American Family $224 Root $226 Safeco $232 Elephant $248 National General $249 Mercury $257 The General $264 Anchor $264 Nationwide $268 Travelers $274 Commonwealth Casualty $276 CSAA $286 Clearcover $289 Bristol West $298 Liberty Mutual $304 Plymouth Rock $310 Farmers $310 GAINSCO $314 21st Century $317 Chubb $317 AssuranceAmerica $324 Dairyland $332 Shelter $344 State Auto $355 The Hartford $389 Amica $670 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 $151 per month for drivers with good to excellent credit.
The below national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $59 COUNTRY Financial $79 NJM $81 Erie $84 State Farm $85 USAA $88 Mile Auto $97 GEICO $108 Allstate $124 Safeco $126 Direct Auto $129 American Family $129 Mercury $133 Root $135 National General $150 Elephant $153 Liberty Mutual $154 Anchor $157 The General $158 Nationwide $162 Travelers $162 Commonwealth Casualty $165 CSAA $172 Farmers $178 Plymouth Rock $181 Chubb $182 Bristol West $183 Clearcover $183 GAINSCO $187 AssuranceAmerica $193 Dairyland $198 Shelter $201 21st Century $222 The Hartford $226 State Auto $229 Amica $365 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 $210 for full-coverage policies, according to Insurify data.
The below national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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 $97 NJM $113 USAA $119 Auto-Owners $144 Mile Auto $145 Safeco $169 GEICO $173 Allstate $174 State Farm $174 American Family $175 Direct Auto $177 Root $183 Mercury $191 Erie $205 Elephant $205 National General $207 Anchor $218 The General $219 Nationwide $222 CSAA $224 Travelers $227 Commonwealth Casualty $228 Liberty Mutual $237 Clearcover $239 Bristol West $247 Plymouth Rock $250 Farmers $256 GAINSCO $260 AssuranceAmerica $269 Dairyland $275 Shelter $281 21st Century $294 The Hartford $322 State Auto $334 Chubb $422 Amica $525 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 | $94 | State Farm |
| Arizona | $104 | Auto-Owners |
| Arkansas | $88 | State Farm |
| California | $161 | Aspire General |
| Colorado | $120 | State Farm |
| Connecticut | $156 | State Farm |
| Delaware | $110 | USAA |
| Florida | $116 | State Farm |
| Georgia | $127 | Auto-Owners |
| Idaho | $48 | Auto-Owners |
| Illinois | $82 | Auto-Owners |
| Indiana | $78 | Auto-Owners |
| Iowa | $45 | State Farm |
| Kansas | $97 | State Farm |
| Kentucky | $153 | Direct Auto |
| Louisiana | $110 | State Farm |
| Maine | $72 | USAA |
| Maryland | $184 | CSAA |
| Massachusetts | $78 | State Farm |
| Michigan | $117 | Auto-Owners |
| Minnesota | $95 | State Farm |
| Mississippi | $79 | State Farm |
| Montana | $53 | State Farm |
| Missouri | $105 | USAA |
| North Dakota | $31 | Auto-Owners |
| Nebraska | $80 | Auto-Owners |
| New Hampshire | $74 | Safeco |
| Nevada | $76 | COUNTRY Financial |
| New Jersey | $168 | NJM |
| New Mexico | $108 | State Farm |
| New York | $133 | Erie |
| North Carolina | $85 | Direct Auto |
| Ohio | $63 | Mile Auto |
| Oklahoma | $72 | State Farm |
| Oregon | $88 | Mile Auto |
| Pennsylvania | $81 | State Farm |
| South Carolina | $108 | USAA |
| South Dakota | $81 | State Farm |
| Tennessee | $82 | Mile Auto |
| Texas | $101 | State Farm |
| Utah | $86 | USAA |
| Virginia | $99 | Auto-Owners |
| Washington | $114 | State Farm |
| Washington D.C. | $291 | Erie |
| Vermont | $38 | State Farm |
| West Virginia | $71 | 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 |
|---|---|---|
| Alabama | $94 | State Farm |
| Arizona | $104 | Auto-Owners |
| Arkansas | $88 | State Farm |
| California | $161 | Aspire General |
| Colorado | $120 | State Farm |
| Connecticut | $156 | State Farm |
| Delaware | $110 | USAA |
| Florida | $116 | State Farm |
| Georgia | $127 | Auto-Owners |
| Idaho | $48 | Auto-Owners |
| Illinois | $82 | Auto-Owners |
| Indiana | $78 | Auto-Owners |
| Iowa | $45 | State Farm |
| Kansas | $97 | State Farm |
| Kentucky | $153 | Direct Auto |
| Louisiana | $110 | State Farm |
| Maine | $72 | USAA |
| Maryland | $184 | CSAA |
| Massachusetts | $78 | State Farm |
| Michigan | $117 | Auto-Owners |
| Minnesota | $95 | State Farm |
| Mississippi | $79 | State Farm |
| Montana | $53 | State Farm |
| Missouri | $105 | USAA |
| North Dakota | $31 | Auto-Owners |
| Nebraska | $80 | Auto-Owners |
| New Hampshire | $74 | Safeco |
| Nevada | $76 | COUNTRY Financial |
| New Jersey | $168 | NJM |
| New Mexico | $108 | State Farm |
| New York | $133 | Erie |
| North Carolina | $85 | Direct Auto |
| Ohio | $63 | Mile Auto |
| Oklahoma | $72 | State Farm |
| Oregon | $88 | Mile Auto |
| Pennsylvania | $81 | State Farm |
| South Carolina | $108 | USAA |
| South Dakota | $81 | State Farm |
| Tennessee | $82 | Mile Auto |
| Texas | $101 | State Farm |
| Utah | $86 | USAA |
| Virginia | $99 | Auto-Owners |
| Washington | $114 | State Farm |
| Washington D.C. | $291 | Erie |
| Vermont | $38 | State Farm |
| West Virginia | $71 | State Farm |
| Wisconsin | $62 | USAA |
| Wyoming | $40 | USAA |
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 $83 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. | $74/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. | $122/mo |
4.4
Best choiceBased on 489 verified driver 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
Showing recent national reviews - See all 227 Erie Insurance reviews
Ernestine
Verified Review
Erie Insurance Works Well
Reviewed in Maryland on March 2, 2026
Prices seem in line and fair. I like being able to pay for full-year coverage.
Robert
Verified Review
One of the Best Auto Insurance Companies
Reviewed in Pennsylvania on March 2, 2026
So far, they seem to be one of the best companies for auto insurance for my age. When shopping around, not only do they have the best price, but they also have one of the highest ratings.
Ivan
Verified Review
Great insurance
Reviewed in Pennsylvania on March 1, 2026
Excellent rates. I get a year at the same cost as others quoted me for only six months.
…
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 15,707 verified driver 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
Showing recent national reviews - See all 7,164 State Farm reviews
Brian
Verified Review
High Priced, No Really Good Discounts
Reviewed in New York on March 3, 2026
It seems I'm paying a higher rate every time I look at my bill.
Billy
Verified Review
Best Priced
Reviewed in Oklahoma on March 3, 2026
Decent price, have not had any claims.
Tom
Verified Review
Much too expensive.
Reviewed in Iowa on March 3, 2026
Much too expensive. About $2500/year for three cars driven, in total, less than 5000 miles.
…
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 3,118 verified driver 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
Showing recent national reviews - See all 1,476 USAA reviews
Renae
Verified Review
Excellent
Reviewed in Arkansas on March 3, 2026
Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.
Michael
Verified Review
USAA
Reviewed in Tennessee on March 2, 2026
Good coverage at a great price.
Michael
Verified Review
Poor
Reviewed in Florida on March 2, 2026
Great customer service. Rates are way too high.
…
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 national rates are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
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 | $83 | $47 |
| COUNTRY Financial | $85 | $45 |
| NJM | $93 | $57 |
| USAA | $100 | $53 |
| State Farm | $107 | $55 |
| Mile Auto | $119 | $70 |
| Erie | $122 | $74 |
| Safeco | $139 | $85 |
| GEICO | $142 | $86 |
| Allstate | $143 | $75 |
| Direct Auto | $146 | $95 |
| Root | $151 | $90 |
| American Family | $153 | $82 |
| Mercury | $160 | $95 |
| Progressive | $160 | $96 |
| Elephant | $169 | $109 |
| National General | $170 | $88 |
| Anchor | $179 | $114 |
| The General | $180 | $92 |
| Nationwide | $183 | $96 |
| Travelers | $187 | $99 |
| Commonwealth Casualty | $188 | $81 |
| CSAA | $195 | $140 |
| Clearcover | $197 | $141 |
| Bristol West | $203 | $101 |
| Liberty Mutual | $207 | $150 |
| Plymouth Rock | $211 | $140 |
| Farmers | $211 | $109 |
| GAINSCO | $214 | $101 |
| Chubb | $216 | $119 |
| AssuranceAmerica | $221 | $122 |
| Dairyland | $226 | $91 |
| Shelter | $231 | $140 |
| 21st Century | $242 | $133 |
| The Hartford | $243 | $148 |
| State Auto | $273 | $153 |
| Amica | $432 | $263 |
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 $83
Excellent
4.7 out of 5 based on 12,363 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 $83 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 190 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 Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Ashley CoxSenior Managing Editor
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
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
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.