Cheapest Full-Coverage Car Insurance (February 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 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
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.
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Reviewed byMark Friedlander
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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.
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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 $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 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 $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.
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 | $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 | $122 |
| Drivers with excellent credit | Auto-Owners | $58 |
| Drivers with poor credit | Auto-Owners | $142 |
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: Tuesday, February 10 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 $82 COUNTRY Financial $83 NJM $93 USAA $100 State Farm $107 Mile Auto $119 Erie $121 Safeco $140 GEICO $142 Allstate $143 Direct Auto $149 Root $151 American Family $152 Mercury $161 Progressive $162 Elephant $169 National General $171 Anchor $178 The General $180 Nationwide $182 Travelers $187 Commonwealth Casualty $191 CSAA $195 Clearcover $196 Bristol West $203 Liberty Mutual $207 Plymouth Rock $207 Farmers $211 GAINSCO $215 Chubb $216 AssuranceAmerica $225 Dairyland $231 Shelter $231 21st Century $240 The Hartford $243 State Auto $270 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 $333 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: Tuesday, February 10 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 $115 Auto-Owners $180 USAA $189 NJM $219 State Farm $221 Erie $225 Root $248 GEICO $251 CSAA $256 Mile Auto $274 Elephant $288 Clearcover $290 Anchor $297 American Family $299 Mercury $303 The General $304 Allstate $306 Direct Auto $306 Safeco $311 Liberty Mutual $354 Bristol West $356 Dairyland $360 Commonwealth Casualty $361 Nationwide $381 National General $382 Plymouth Rock $396 GAINSCO $400 21st Century $430 Travelers $436 Farmers $455 Shelter $499 Chubb $503 AssuranceAmerica $521 The Hartford $651 Amica $810 State Auto $825 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: Tuesday, February 10 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 $59 COUNTRY Financial $61 State Farm $76 USAA $76 Erie $81 Mile Auto $84 GEICO $103 Allstate $109 Direct Auto $111 American Family $112 Mercury $119 National General $121 Nationwide $122 Root $123 Safeco $124 Shelter $131 Elephant $134 Anchor $137 Travelers $137 Chubb $140 The Hartford $140 Commonwealth Casualty $143 CSAA $144 The General $147 Farmers $153 AssuranceAmerica $158 Bristol West $162 Liberty Mutual $167 21st Century $171 Clearcover $176 Plymouth Rock $178 State Auto $178 GAINSCO $179 Dairyland $194 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 $225 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: Tuesday, February 10 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 $111 COUNTRY Financial $123 USAA $133 State Farm $137 Mile Auto $142 NJM $143 Erie $168 Direct Auto $186 Elephant $193 Allstate $193 GEICO $193 Safeco $194 American Family $204 Commonwealth Casualty $211 National General $211 Root $213 Anchor $219 GAINSCO $243 Nationwide $244 Mercury $248 Travelers $251 CSAA $253 The General $255 Bristol West $256 Clearcover $266 Liberty Mutual $268 Farmers $276 Chubb $278 Plymouth Rock $280 Dairyland $284 AssuranceAmerica $291 Shelter $324 21st Century $330 The Hartford $367 State Auto $380 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 $233 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: Tuesday, February 10 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 $108 COUNTRY Financial $118 NJM $134 USAA $135 State Farm $141 Erie $160 Mile Auto $164 GEICO $180 Allstate $194 Root $203 Safeco $206 American Family $206 Direct Auto $209 Elephant $218 National General $228 Anchor $232 Nationwide $248 Commonwealth Casualty $251 Travelers $255 The General $257 Bristol West $265 GAINSCO $266 Mercury $273 Liberty Mutual $277 Plymouth Rock $277 Farmers $283 Chubb $286 AssuranceAmerica $301 Dairyland $303 CSAA $310 Clearcover $314 Shelter $316 21st Century $333 The Hartford $349 State Auto $379 Amica $599 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 $259 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: Tuesday, February 10 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 $114 Auto-Owners $122 USAA $149 NJM $152 State Farm $159 Mile Auto $177 Erie $178 GEICO $206 Allstate $213 Direct Auto $222 Root $226 American Family $226 Safeco $236 Elephant $251 National General $254 Mercury $259 Anchor $261 The General $268 Nationwide $271 Travelers $278 Commonwealth Casualty $284 CSAA $290 Clearcover $292 Bristol West $302 Liberty Mutual $308 Plymouth Rock $308 21st Century $313 Farmers $314 GAINSCO $320 Chubb $321 AssuranceAmerica $335 Dairyland $344 Shelter $344 The Hartford $389 State Auto $402 Amica $669 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 national rates are estimated rates current as of: Tuesday, February 10 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 $58 COUNTRY Financial $77 NJM $81 Erie $82 State Farm $85 USAA $88 Mile Auto $97 GEICO $108 Allstate $123 Safeco $127 American Family $128 Direct Auto $132 Mercury $132 Root $134 Elephant $150 National General $151 Liberty Mutual $154 Anchor $156 The General $157 Nationwide $161 Travelers $162 Commonwealth Casualty $167 CSAA $168 Clearcover $172 Farmers $178 Plymouth Rock $179 Chubb $182 Bristol West $183 GAINSCO $188 AssuranceAmerica $197 Shelter $200 Dairyland $202 21st Century $219 The Hartford $223 State Auto $226 Amica $359 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: Tuesday, February 10 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 $94 NJM $112 USAA $119 Auto-Owners $142 Mile Auto $144 Safeco $169 GEICO $172 Allstate $173 State Farm $174 American Family $174 Direct Auto $180 Root $182 Mercury $194 Erie $203 Elephant $204 National General $207 Anchor $215 The General $218 Nationwide $220 CSAA $221 Travelers $226 Commonwealth Casualty $231 Clearcover $237 Liberty Mutual $238 Bristol West $245 Plymouth Rock $250 Farmers $255 GAINSCO $260 AssuranceAmerica $272 Dairyland $279 Shelter $279 21st Century $290 The Hartford $322 State Auto $330 Chubb $421 Amica $521 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 | USAA |
| Arizona | $103 | Auto-Owners |
| Arkansas | $88 | State Farm |
| California | $184 | Root |
| Colorado | $119 | State Farm |
| Connecticut | $155 | State Farm |
| Delaware | $110 | USAA |
| Florida | $115 | State Farm |
| Georgia | $126 | Auto-Owners |
| Idaho | $48 | Auto-Owners |
| Illinois | $82 | Auto-Owners |
| Indiana | $77 | Auto-Owners |
| Iowa | $45 | State Farm |
| Kansas | $96 | State Farm |
| Kentucky | $154 | Direct Auto |
| Louisiana | $108 | State Farm |
| Maine | $72 | USAA |
| Maryland | $185 | CSAA |
| Massachusetts | $78 | State Farm |
| Michigan | $116 | Auto-Owners |
| Minnesota | $94 | State Farm |
| Mississippi | $78 | State Farm |
| Montana | $53 | State Farm |
| Missouri | $104 | 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 | $134 | Erie |
| North Carolina | $76 | Progressive |
| Ohio | $62 | Mile Auto |
| Oklahoma | $73 | State Farm |
| Oregon | $87 | Mile Auto |
| Pennsylvania | $81 | State Farm |
| South Carolina | $107 | USAA |
| South Dakota | $81 | State Farm |
| Tennessee | $82 | Mile Auto |
| Texas | $101 | State Farm |
| Utah | $85 | USAA |
| Virginia | $99 | Auto-Owners |
| Washington | $114 | 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 |
|---|---|---|
| Alabama | $93 | USAA |
| Arizona | $103 | Auto-Owners |
| Arkansas | $88 | State Farm |
| California | $184 | Root |
| Colorado | $119 | State Farm |
| Connecticut | $155 | State Farm |
| Delaware | $110 | USAA |
| Florida | $115 | State Farm |
| Georgia | $126 | Auto-Owners |
| Idaho | $48 | Auto-Owners |
| Illinois | $82 | Auto-Owners |
| Indiana | $77 | Auto-Owners |
| Iowa | $45 | State Farm |
| Kansas | $96 | State Farm |
| Kentucky | $154 | Direct Auto |
| Louisiana | $108 | State Farm |
| Maine | $72 | USAA |
| Maryland | $185 | CSAA |
| Massachusetts | $78 | State Farm |
| Michigan | $116 | Auto-Owners |
| Minnesota | $94 | State Farm |
| Mississippi | $78 | State Farm |
| Montana | $53 | State Farm |
| Missouri | $104 | 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 | $134 | Erie |
| North Carolina | $76 | Progressive |
| Ohio | $62 | Mile Auto |
| Oklahoma | $73 | State Farm |
| Oregon | $87 | Mile Auto |
| Pennsylvania | $81 | State Farm |
| South Carolina | $107 | USAA |
| South Dakota | $81 | State Farm |
| Tennessee | $82 | Mile Auto |
| Texas | $101 | State Farm |
| Utah | $85 | USAA |
| Virginia | $99 | Auto-Owners |
| Washington | $114 | State Farm |
| Washington D.C. | $161 | CSAA |
| Vermont | $38 | State Farm |
| West Virginia | $72 | 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 $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. | $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. | $121/mo |
4.4
Best choiceBased on 469 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 (219)
Douglas
Verified Review
Erie Insurance: Local Agents, Great Customer Service!
Reviewed in Ohio on February 9, 2026
Never had a claim. I think their rates are very good!
David
Verified Review
Best Insurance
Reviewed in Pennsylvania on February 8, 2026
They set your rate and it never increases unless you change cars.
Chester
Verified Review
Great Insurance
Reviewed in Louisiana on February 3, 2026
Great company to have insurance with.
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 14,868 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 (7,021)
Matthew
Verified Review
I like Jake, but not State Farm.
Reviewed in Ohio on February 12, 2026
Very disappointing. Policy cost hikes with no explanation. No effort by the agent to review and reduce costs. They collect the premium and forget you exist.
Rickie
Verified Review
Satisfied Customer
Reviewed in North Carolina on February 12, 2026
Can't say enough good things about this agency. They went above and beyond to help us with everything we needed. Highly recommend them.
Kenneth
Verified Review
State Farm Insurance Experience
Reviewed in Missouri on February 12, 2026
I had a disappointing experience with State Farm. After my wife had two strokes, I took her off the policy. I was told that my premium would decrease, but instead, it increased by $30.00/month. When I filed a claim for flood damage caused by a water softener unit in my home, they categorized it as sewage backup. They also informed me that mold was not covered by the policy. I am now in the process of switching to a different company. I have been with State Farm for almost 60 years, and I feel dissatisfied with their service.
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 2,917 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 (1,444)
Walt
Verified Review
Good
Reviewed in Florida on February 12, 2026
They took care of me after an accident. The vehicle that hit me had inferior insurance.
David
Verified Review
No updates
Reviewed in Pennsylvania on February 10, 2026
I have had no claims, so there is no new information to share.
Ken
Verified Review
USAA rate increase without explanation
Reviewed in Georgia on February 10, 2026
With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!
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: Tuesday, February 10 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 | $82 | $47 |
| COUNTRY Financial | $83 | $44 |
| NJM | $93 | $57 |
| USAA | $100 | $53 |
| State Farm | $107 | $55 |
| Mile Auto | $119 | $70 |
| Erie | $121 | $74 |
| Safeco | $140 | $86 |
| GEICO | $142 | $86 |
| Allstate | $143 | $75 |
| Direct Auto | $149 | $95 |
| Root | $151 | $91 |
| American Family | $152 | $82 |
| Mercury | $161 | $96 |
| Progressive | $162 | $97 |
| Elephant | $169 | $110 |
| National General | $171 | $89 |
| Anchor | $178 | $113 |
| The General | $180 | $92 |
| Nationwide | $182 | $96 |
| Travelers | $187 | $99 |
| Commonwealth Casualty | $191 | $82 |
| CSAA | $195 | $140 |
| Clearcover | $196 | $141 |
| Bristol West | $203 | $101 |
| Liberty Mutual | $207 | $151 |
| Plymouth Rock | $207 | $141 |
| Farmers | $211 | $109 |
| GAINSCO | $215 | $101 |
| Chubb | $216 | $119 |
| AssuranceAmerica | $225 | $123 |
| Dairyland | $231 | $92 |
| Shelter | $231 | $141 |
| 21st Century | $240 | $133 |
| The Hartford | $243 | $149 |
| State Auto | $270 | $153 |
| Amica | $431 | $265 |
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 11,789 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 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 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.
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.