Best Cheap Full-Coverage Car Insurance (July 2024)

COUNTRY Financial and NJM offer the cheapest rates for full-coverage car insurance. But the cheapest option may not be the best for everyone.

Julia Taliesin
Written byJulia Taliesin
Julia Taliesin
Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 July 25, 2024

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Cheapest recent rates

Recent car insurance prices for Jeep, Hyundai, and more. Insurify features quotes from 100+ carriers including COUNTRY Financial, GAINSCO, and State Auto.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

As a driver, opting for full-coverage car insurance means more robust financial protection. The more extensive policy type covers damage to your vehicle, while a liability-only policy only covers damage and injuries you cause to other people.

If you’re considering a full-coverage policy, comparing multiple quotes and working with the right insurance company is important. Here’s what you need to know about the best full-coverage car insurance companies and how to choose one.

Quick Facts
  • A full-coverage car insurance policy includes liability, comprehensive, and collision coverage.

  • On average, full-coverage car insurance policies cost $214 per month, with options starting as low as $41 per month, according to Insurify data.

  • The best full-coverage insurance company offers a balance between affordable prices, top-notch customer service, and longstanding financial stability. 

Cheapest companies for full-coverage car insurance

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’ll find a breakdown of the cheapest car insurance companies for full-coverage policies in the U.S. COUNTRY Financial and NJM both offer the lowest full-coverage quotes.

Full-Coverage Rates by Insurance Company

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best full-coverage car insurance companies

The best car insurance companies offering full-coverage options have a combination of affordable rates and a high-quality customer experience.

COUNTRY Financial has the cheapest average full-coverage rates, at $41 per month, but it’s not available in every state. State Farm’s average full-coverage rates may be more for some drivers, but the company has nationwide availability.

Below is a breakdown of the average monthly costs tied to the top full-coverage car insurance companies. 

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyAverage Full-Coverage Quote
NJM$54
Erie$93
USAA$100
State Farm$120
American Family$171
Disclaimer: 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.

Best insurer for regional low rates: NJM

Compare personalized, real-time quotes
User Reviews
3.8
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.
9.4/10
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.
$33/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.
$54/mo

NJM offers policies in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. After more than 100 years in business, the company has earned a top-notch reputation in the insurance industry. NJM earned a rating of 896 out of 1,000 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.[1] The company also earned an A+ (Superior) AM Best rating.

NJM offers discounts for defensive driving, driver training, automatic payments, good students, bundling, mature drivers, paying up front, and insuring multiple vehicles. Plus, you can score a discount when you carry both collision and comprehensive coverage.

Pros

  • A+ (Superior) AM Best financial strength rating

  • Many discount options

  • Lower rates than other top insurers

Cons

  • Only available in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania

  • No mobile app for account management

  • Discounts not available in every state

Read more driver reviews of NJ Manufacturers
Grigoriy - June 1, 2024
Verified

Just after money, but found another. Now they're all together

They are very expensive. It's not clear why?

James - May 17, 2024
Verified

Excellent

Shop around for price.

Rodney - March 6, 2020
Verified

Average

They were expensive, but they honored a claim.

Best insurer for customer satisfaction: Erie

Compare personalized, real-time quotes
User Reviews
3.8
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.
9.0/10
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.
$93/mo

Erie earned the top spot for overall customer satisfaction in the mid-Atlantic segment of the J.D. Power 2022 U.S. Auto Insurance Study.[1] Erie also earned an A+ (Superior) AM Best rating.

As a driver, you can find discounts when bundling policies, storing your vehicle, choosing a vehicle with safety features, or being a college student. Other discounts are available when paying your yearly or six-month premium up front.

The positive experience tends to come with relatively affordable premiums for full coverage. Erie is a super-regional insurer that offers coverage in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington D.C.

Pros:

  • ERIE Rate Lock offers stable rates

  • A+ (Superior) AM Best rating

  • Above-average rating in J.D. Power 2022 U.S. Auto Insurance Study[1]

Cons:

  • Available in only 12 states and Washington, D.C.

  • Limited online service

  • Usage-based insurance not available

Read more driver reviews of Erie Insurance
Emily - July 24, 2024
Verified

Unsatisfactory Company

They completely ignore written instructions from higher-ups. Also, agents at the local establishment seem to be dishonest to cover their mistakes.

Eduard - July 24, 2024
Verified

Price, Service, Coverage - Everything is Very Good

Everything is as expected.

Teresa - July 23, 2024
Verified

Erie Insurance is a Great Insurance

I've been with Erie for about 20 years now. They are great when it comes to answering questions and handling anything that I need. I was only comparing different insurance quotes, but I will be staying with Erie.

Best insurer for affordable nationwide coverage: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$120/mo

After more than 100 years of operation, State Farm is the largest U.S. auto insurer based on market share. Beyond affordable coverage, the company has a positive reputation. It earned an above-average score in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.[1]

Nationwide coverage is paired with cheap rates relative to other insurers. Drivers will find some discounts available, including discounts for good students, defensive driving courses, accident-free driving, and bundling.

Through State Farm, you can also get collision, comprehensive, rideshare, rental, and emergency roadside service coverage.

Pros:

  • A++ (Superior) AM Best rating

  • Above-average rating in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study[1]

  • 19,000 exclusive local agents available nationwide

Cons:

  • Relatively limited list of discounts

  • May have to work with a local agent to finalize coverage

  • New policies unavailable in Massachusetts and Rhode Island

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for military and veteran families: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$46/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

USAA puts a focus on providing high-quality insurance options to military families. You’ll need to be an active-duty military member, veteran, or connected family member to get insurance through USAA. The company earned an above-average rating in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.[1] It also earned an A++ (Superior) AM Best rating.

As a driver, you can tap into liability, collision, and comprehensive coverage through USAA. Don’t forget to look for discounts, like bundling, safe driving, and automatic payments.

Pros:

  • A++ (Superior) AM Best rating

  • Above-average rating in the J.D. Power U.S. Auto Claims Satisfaction Study[1]

  • Relatively low rates compared to other insurers

Cons:

  • Only available to members of the military community

  • Limited customer service hours

  • Limited discounts compared to other companies

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Best insurer for many coverage options: American Family

Compare personalized, real-time quotes
User Reviews
3.4
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.
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.
$77/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.
$171/mo

American Family isn’t available everywhere, but it’s a worthwhile option to consider for drivers in covered states. Through this insurer, you can find comprehensive, collision, liability, gap coverage, and more. American Family earned an above-average rating in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.[1] Additionally, it earned an AM Best rating of A (Excellent).

Before finalizing American Family coverage, look for discounts. A few discounts include bundling, safe driving, defensive driver training, low mileage, and more.

Pros:

  • Long list of available discount options

  • Above-average rating in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study[1]

  • Highly rated mobile app for account management

Cons:

  • Available in only 19 states

  • Rates may be higher than some competitors

  • Low customer reviews on Trustpilot

Read more driver reviews of American Family
Celeste - July 23, 2024
Verified

Rates Keep Going Up

Outstanding customer service, but the rates are high.

Kathy - July 22, 2024
Verified

My American Family Experience

It's been wonderful. However, the premiums have become too high. I would have stayed if not for this. I had been with them for over 20 years.

Shannon - July 15, 2024
Verified

Needs Better Office Management

The agent I was assigned to, after my previous agent left, lacked professionalism and bedside manners. However, the corporate office was great to work with.
  • 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.

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 table below gives a breakdown of the cheapest average full-coverage quotes based on your state:

StateInsurance CompanyCheapest Average Monthly Quote
AlabamaAuto-Owners$68
ArizonaAuto-Owners$81
ArkansasState Farm$59
CaliforniaMile Auto$111
ColoradoState Farm$101
ConnecticutState Farm$96
DelawareUSAA$82
FloridaState Farm$83
GeorgiaAuto-Owners$97
IdahoProgressive$93
IllinoisAuto-Owners$45
IndianaAuto-Owners$52
IowaAuto-Owners$46
KansasMidvale Home & Auto$120
KentuckyAuto-Owners$99
LouisianaState Farm$119
MaineSafeco$71
MarylandUSAA$156
MassachusettsMidvale Home & Auto$114
MichiganAuto-Owners$112
MinnesotaSafeco$115
MississippiState Farm$72
MissouriUSAA$56
NebraskaAuto-Owners$40
NevadaCOUNTRY Financial$59
New JerseyNJM$137
New MexicoState Farm$63
New YorkSafeco $181
North CarolinaNationwide$63
OhioMile Auto$54
OklahomaState Farm$63
OregonMile Auto$71
PennsylvaniaMile Auto$70
South CarolinaUSAA$87
TennesseeState Farm$44
TexasState Farm$65
UtahUSAA$96
VirginiaAuto-Owners$72
WashingtonDirect Auto$75
Washington, D.C.GEICO$148
West VirginiaState Farm$55
WisconsinUSAA$44
Disclaimer: 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 Hawaii, Montana, New Hampshire, Rhode Island, South Dakota, Vermont, and Wyoming.

Find Affordable Full-Coverage Car Insurance

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Full-coverage car insurance rates by age

Driver age affects your average cost of car insurance significantly, with teen drivers facing the highest premiums. Rates of fatal accidents for 16- and 17-year-olds are four times higher than for 20-year-old drivers 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.

Full-Coverage Rates by Age Group

Insurify Tip

High-risk drivers pay more in premiums, so it pays to have a clean driving record. Being a good driver can save you 7% or more on premiums, according to Insurify data. Drivers with a speeding ticket pay 42% more on average, while drivers with a DUI pay 67% more.

Check Out: The Insurify Guide to Car Insurance Discounts

Check Out: The Insurify Guide to Car Insurance Discounts

How full-coverage car insurance works

Full-coverage auto insurance includes state-mandated liability coverage along with comprehensive and collision coverage. A full-coverage policy protects your car, other drivers, and their cars. Minimum requirements vary by state, but most states require drivers to have liability coverage, including bodily injury and property damage. Some states even require underinsured or uninsured motorist protection.[2]

If you opt for a full-coverage policy, your insurer will reimburse you after an incident that damages your vehicle. For example, the insurance company may pay to repair or replace your vehicle after a collision or storm.

The main advantage of full-coverage insurance is robust financial protection. Since this type of policy adds to the state’s minimum liability coverage requirements, it provides more coverage for repairing or replacing your vehicle after a covered claim.

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 most state laws mandate liability coverage, this serves as the starting point for most drivers.[2]

Liability coverage only protects other drivers on the road and others’ property from mistakes you make. If you get into an at-fault accident, liability coverage kicks in to pay for the injuries and damages you cause. But liability coverage won’t help you pay to repair or replace your vehicle.

Liability insurance is cheaper because it covers less. The national average monthly premium is $105, according to Insurify data. Less coverage could cost you more if you damage your car in an incident because you’ll have to pay out of pocket for repairs.

On top of liability coverage, full coverage includes comprehensive and collision insurance. When you get in an accident or encounter another incident that damages your vehicle, full coverage will help you repair or replace your vehicle. This coverage will typically pay out to the fair market value of your vehicle.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyFull CoverageLiability Only
COUNTRY Financial$41$19
NJM$54$33
Hugo$60$52
Auto-Owners$79$37
Erie$93$53
USAA$100$46
Mile Auto$110$59
Metromile$117$72
State Farm$120$55
GEICO$122$56
Root$128$86
CSAA$130$84
Progressive$134$77
Safeco$135$76
Allstate$138$63
Clearcover$144$89
Mercury$160$83
National General$161$78
American Family$171$77
The Hartford$177$109
Nationwide$186$85
Elephant$188$103
State Auto$190$94
Direct Auto$193$98
Travelers$196$90
Shelter$202$106
AssuranceAmerica$221$127
Dairyland$228$84
Liberty Mutual$231$112
The General$241$114
Chubb$243$114
Infinity$249$178
Farmers$251$113
21st Century$256$118
Bristol West$277$126
Amica$281$164
GAINSCO$283$126
Foremost$285$138
Commonwealth Casualty$313$120
Disclaimer: 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.
Insurify Tip

Full-coverage car insurance may not be worth it depending on your vehicle’s age and condition. Consider its value and your plans for the car. Some older cars can hold value, and if you want to continue driving it you’ll want coverage to fix damages.

What full-coverage car insurance covers

Full-coverage insurance includes multiple layers of protection. Here’s a closer look at what it covers:

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    Bodily injury liability coverage

    This 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.

  • illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

    Property damage liability coverage

    This covers damage you cause to someone else’s property. Usually, that’s their vehicle, but it also includes damage to buildings, fences, telephone poles, etc.

  • illustration card https://a.storyblok.com/f/162273/100x100/e0a53737be/health.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This reimburses you if you’re hit by a driver who doesn’t have enough insurance to cover your injuries or damages. Some states require it, but you can purchase it as an add-on.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

What full-coverage insurance doesn’t cover

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. A few things not covered include:

  • 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.

  • 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.[3]

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.

How to determine how much coverage you need

Deciding how much car insurance to buy can take time and effort. You want to get enough coverage but avoid overpaying for coverage you don’t need. Here’s how to figure out how much is right for you.

  1. Know what’s required. Most states have minimum-coverage requirements you’ll need to meet, but many drivers also buy more liability coverage. If you finance or lease your car, your lender may require you to get full coverage to insure against damage to the vehicle.

  2. Consider additional coverages. Even if you don’t have to get full coverage, remember liability insurance doesn’t cover damage to your car. Options like personal injury protection, MedPay, and uninsured motorist coverage can reduce out-of-pocket expenses in the event of an accident.

  3. Review your finances. Monthly payments for full coverage are higher than for liability insurance, but one incident could wipe out your savings if you severely damaged your car in an at-fault accident. Think about the best fit for your budget.

  4. Shop around and compare quotes. These are the best ways to find lower premiums, according to the Insurance Information Institute. Prices vary, so get multiple car insurance quotes for different coverage options to find the right fit.

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 most states. It’s possible to find cheap auto insurance, and you don’t have to overpay for a policy.

[One] way to lower the cost of your insurance is to increase your (collision and comprehensive) deductibles,” says Deon R. Williams, agent and owner of 4J Insurance Agency in Texas.

“If you’re a safe driver, you’ll have more time to save up for your deductible,” Williams says.

Here are a few other strategies to help you reduce costs:[4]

  • Look for discounts. Insurers offer a wide range of discounts, which can drive the price of your policy lower. Popular discounts are available for bundling policies, insuring multiple vehicles and being a safe driver.

  • Build your credit. Drivers with good credit histories tend to 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. Luckily, this once-tedious task is made easy with the help of an online quote-comparison tool.

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Full-coverage insurance FAQs

You may have additional questions about the best full-coverage car insurance. Insurify answers commonly asked questions, and you can also check out guides on comparing quotes.

  • Which company has the best full-coverage insurance?

    NJM, Erie, and State Farm offer some of the best full-coverage insurance options on the market. As a driver, you’ll need to determine which auto insurance company best suits your individual needs by comparing quotes.

  • Which company has the cheapest full-coverage policy?

    On average, COUNTRY Financial offers the cheapest full-coverage policies, at $41 per month. NJM also offers relatively cheap full-coverage insurance, at an average of $54 per month.

  • How long should you maintain full coverage on your car?

    If you financed a vehicle, you may have to maintain full coverage until you pay it off.[2] 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.

  • Is full coverage required for a financed vehicle?

    In most cases, lenders require drivers to maintain full coverage on a vehicle until you pay it off.[2] If you finance or lease your vehicle, read the details of your contract to determine whether or not full coverage is required.

  • Does full-coverage car insurance replace your car?

    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.[7]

  • Is full-coverage insurance worth it?

    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–$1,000, which could make the cost of a full-coverage policy worth it.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
  2. III. "Auto insurance basics—understanding your coverage."
  3. Consumer Financial Protection Bureau. "What is Guaranteed Auto Protection (GAP) insurance?."
  4. III. "How to save money on car insurance."
Julia Taliesin
Julia TaliesinInsurance Content Writer

Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.

She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.

She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
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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.

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