Cheapest Full-Coverage Car Insurance (August 2025)
COUNTRY Financial and Auto-Owners offer the cheapest full-coverage car insurance, at $55 and $72 per month, respectively.
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Written byJulia Taliesin
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byAshley Cox
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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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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.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
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 $184 per month, with options starting as low as $55 per month, according to Insurify data.
The average cost of full-coverage car insurance is around 47% higher than the average cost of liability-only coverage, Insurify data shows.
Cheapest 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 Auto-Owners 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 with cheap rates
The best car insurance companies offering full-coverage policies have a combination of affordable rates and a high-quality customer experience.
COUNTRY Financial has the cheapest average full-coverage rates, at $55 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.
In the table below, you can see some of the best full-coverage car insurance companies that also offer affordable rates.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | 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. | Average Full-Coverage Quote |
|---|---|---|
| Erie | 8.4 | $117 |
| USAA | 9.1 | $96 |
| State Farm | 9.3 | $110 |
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.
Best insurer for customer satisfaction: Erie
| 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. | 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. | $88/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. | $117/mo |
4.0
Best choiceBased on 371 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 (191)
Daniel
Verified Review
Erie Insurance Excessive Rates
Reviewed in Pennsylvania on August 2025
Rates are too high for the coverage we have.
Christine
Verified Review
Excellent
Reviewed in Pennsylvania on August 2025
They always answer my questions.
Dudley
Verified Review
My rate goes up every year
Reviewed in Pennsylvania on July 2025
My rate goes up every year, even though there have been no claims in the past 3 years. Also, my wife and I are over 70.
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 | 4.1 |
|---|---|
| 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. | $56/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. | $110/mo |
4.1
Best choiceBased on 11,464 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,107)
Edward
Verified Review
Good insurance, just not great.
Reviewed in Virginia on August 2025
Very responsive with claims, but costly premium increases.
Daniel
Verified Review
My experience with State Farm has been generally good
Reviewed in New Mexico on August 2025
I've never had any real problems with State Farm. When I'm trying to reduce my insurance costs, I shop around.
Lori
Verified Review
Excellent
Reviewed in California on August 2025
Expensive but good if you need it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Best insurer for military and veteran families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/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. | $96/mo |
4.9
Best choiceBased on 2,148 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 (1,213)
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
Mike
Verified Review
Excellent
Reviewed in Massachusetts on August 2025
Exceptional. It would take major savings to get me to switch.
David
Verified Review
Best insurance company, hands down!
Reviewed in Connecticut on August 2025
Absolutely wonderful! 60 years of great reliability.
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.
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.
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?
Here are a few other strategies to help you reduce costs:[1]
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.
Find Cheap Full-Coverage Car Insurance
Rates start as low as $55 per month
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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.[2]
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.
Liability insurance is cheaper because it covers less. The national average monthly premium is $104, 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 the fair market value of your vehicle.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| COUNTRY Financial | $55 | $31 |
| Auto-Owners | $72 | $41 |
| NJM | $90 | $71 |
| USAA | $96 | $50 |
| Mile Auto | $100 | $63 |
| State Farm | $110 | $56 |
| Erie | $117 | $88 |
| Allstate | $132 | $70 |
| GEICO | $133 | $100 |
| CSAA | $134 | $93 |
| American Family | $144 | $76 |
| Safeco | $145 | $88 |
| Root | $148 | $95 |
| Mercury | $161 | $94 |
| Direct Auto | $171 | $99 |
| Progressive | $173 | $102 |
| Nationwide | $176 | $93 |
| National General | $179 | $99 |
| Travelers | $184 | $97 |
| Elephant | $185 | $132 |
| The General | $187 | $98 |
| Clearcover | $194 | $141 |
| Bristol West | $215 | $103 |
| Chubb | $215 | $118 |
| Farmers | $216 | $110 |
| Shelter | $222 | $163 |
| 21st Century | $225 | $125 |
| State Auto | $228 | $133 |
| Commonwealth Casualty | $230 | $93 |
| The Hartford | $235 | $180 |
| Liberty Mutual | $237 | $176 |
| GAINSCO | $242 | $114 |
| AssuranceAmerica | $244 | $130 |
| Dairyland | $284 | $94 |
| Amica | $418 | $322 |
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.
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.
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.[3]
The table below gives a breakdown of the cheapest average full-coverage quotes based on your state:
Full-Coverage Rates by State
state_id | Cheapest monthly cost | Cheapest insurer |
|---|---|---|
| Alabama | $94 | USAA |
| Arizona | $101 | Mile Auto |
| Arkansas | $79 | State Farm |
| California | $174 | Anchor |
| Colorado | $104 | State Farm |
| Connecticut | $137 | State Farm |
| Delaware | $122 | CSAA |
| Florida | $107 | State Farm |
| Georgia | $130 | Auto-Owners |
| Idaho | $45 | Auto-Owners |
| Illinois | $71 | Auto-Owners |
| Indiana | $69 | Auto-Owners |
| Iowa | $40 | State Farm |
| Kansas | $90 | State Farm |
| Kentucky | $144 | Auto-Owners |
| Louisiana | $107 | State Farm |
| Maine | $77 | USAA |
| Maryland | $181 | CSAA |
| Massachusetts | $70 | State Farm |
| Michigan | $104 | USAA |
| Minnesota | $83 | State Farm |
| Mississippi | $66 | State Farm |
| Montana | $53 | State Farm |
| Missouri | $86 | USAA |
| North Dakota | $31 | Auto-Owners |
| Nebraska | $67 | Auto-Owners |
| New Hampshire | $74 | Safeco |
| Nevada | $59 | COUNTRY Financial |
| New Jersey | $176 | CSAA |
| New Mexico | $125 | Root |
| New York | $142 | Erie |
| North Carolina | $77 | Erie |
| Ohio | $57 | Mile Auto |
| Oklahoma | $88 | State Farm |
| Oregon | $81 | Mile Auto |
| Pennsylvania | $78 | State Farm |
| South Carolina | $101 | USAA |
| South Dakota | $81 | State Farm |
| Tennessee | $73 | Mile Auto |
| Texas | $91 | State Farm |
| Utah | $86 | USAA |
| Virginia | $92 | Auto-Owners |
| Washington | $112 | State Farm |
| District of Columbia | $251 | Erie |
| Vermont | $38 | State Farm |
| West Virginia | $76 | State Farm |
| Wisconsin | $56 | 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.
Full-coverage car insurance rates by age
Your 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
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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.
Full-coverage insurance FAQs
If you’re shopping for full-coverage car insurance, the additional information below can help as you research your coverage options.
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.
On average, COUNTRY Financial offers the cheapest full-coverage policies, at $55 per month. Auto-Owners also offers relatively cheap full-coverage insurance, at an average of $72 per month.
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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "What is gap insurance?."
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Julia TaliesinData Journalist
Julia Taliesin is a data journalist 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.
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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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.