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Cheapest full-coverage car insurance

The average cost of full-coverage car insurance is $138 per year, but there are plenty of companies that have much cheaper average rates.

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By

Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Kristi Sullivan, CFP®

Kristi Sullivan, CFP®

Certified Financial Planner

Kristi Sullivan, CFP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, she was a regional consultant at Fidelity Investments for nine years.

Updated|6 min read

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It can be hard to find cheap full-coverage auto insurance, especially if you’ve been in an accident, but it’s not impossible. We found that GEICO is the best cheap full-coverage car insurance for most drivers with a clean record, while State Farm is best for drivers with a recent accident.

Geico Logo

Cheapest for most people

  • Rating: 4.6/5 ★

  • Cost: $99 per month

  • What else we like: National availability and few customer complaints

State Farm Logo

Cheapest after an accident

  • Rating: 3.8/5 ★

  • Cost: $120 per month

  • What else we like: Available almost everywhere and high claims satisfaction rating

Full-coverage car insurance just means a car insurance policy that includes comprehensive and collision coverage in addition to the liability coverage that’s required in almost every state. A full coverage policy means damage to your car is covered by insurance, whether it’s from a crash, storm, an animal, or if it’s stolen.

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Our methodology for finding the cheapest full-coverage insurance

We found the cheapest full-coverage car insurance in 2022 by analyzing rates provided by Quadrant Information Services. These rates were for every ZIP code in all 50 states and the District of Columbia.

Our data experts analyzed combined rates for a full-coverage policy for 30, 35, and 45-year-old drivers of a 2017 Toyota Camry with a clean record. The rates we analyzed were for a policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

In some cases, additional coverages were added where required by the state or insurer. Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.

Cheapest full-coverage for most people: GEICO

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

Cheapest for most people

Cost of full-coverage

$99 per month

GEICO has some of the cheapest full-coverage insurance in the country. It sells policies in every state and D.C., which isn’t true for all other companies with cheap rates. GEICO also gets fewer complaints than some competitors.

GEICO is the best company for cheap full-coverage auto insurance. On average, we found that GEICO costs $99 per month, or $1,184 per year. That’s $468 less per year than the average for full-coverage. It’s also the only one of our picks for cheapest companies for full coverage that’s available in every state (and D.C.).

GEICO’s customer service also makes it a great pick for the best full-coverage insurance company. According to the National Association of Insurance Commissioners, GEICO gets fewer-than-average customer complaints. [1]

While it already has cheap average rates, GEICO also offers discounts that can make your full-coverage insurance even cheaper. Drivers can get lower rates with GEICO’s discounts for:

  • Taking a defensive driving course

  • Bundling multiple policies with GEICO

  • Owning a new vehicle

  • Being a part of the 500+ groups that partner with GEICO

  • Earning a B average or better as a full-time student

GEICO offers just a few coverage add-ons (or endorsements), including roadside assistance, rental reimbursement, and mechanical breakdown coverage. GEICO does not offer gap insurance or new car replacement coverage, however.

Cheapest full-coverage from a smaller company: MAPFRE

MAPFRE

4.1

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

MAPFRE logo

Cheapest for full coverage

Cost of full-coverage

$87 per month

MAPFRE has the lowest rates for full-coverage of any company we considered, though it’s not available everywhere. But if you live in one of the 19 states where MAPFRE is available, you may be able to get very cheap coverage.

We found that MAPFRE has the cheapest full-coverage auto insurance around, but it’s not as widely-available as other companies. On average, full-coverage insurance from MAPFRE is $87 per month, or $1,040 per year. That’s $612 per year less than average. 

Drivers with MAPFRE can also save if they qualify for available discounts, like by:

  • Bundling home and auto insurance with MAPFRE

  • Paying their entire premium at once

  • Signing up for paperless billing

  • Driving fewer miles than average per year

  • Maintaining high grades (if they’re a student)

Though MAPFRE has the cheapest full-coverage auto insurance of any company on our list, it’s not available in every state. MAPFRE’s auto insurance is only offered in:

  • Arizona

  • California

  • Connecticut

  • Idaho

  • Indiana

  • Kentucky

  • Maine

  • Massachusetts

  • New Hampshire

  • New Jersey

  • New York

  • Ohio

  • Oregon

  • Pennsylvania

  • Rhode Island

  • Tennessee

  • Washington

  • Vermont

MAPFRE offers some common endorsements, including towing and labor coverage and rental car reimbursement. Drivers in some states can also get coverage for personal belongings and new car replacement.

Cheapest full-coverage after an accident: State Farm

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

Cheapest after an accident

Cost of full-coverage after an accident

$120 per month

State Farm has the cheapest full-coverage for drivers with an accident on their records. Since State Farm is available almost everywhere, it’s a great choice for drivers across the country who might have a hard time finding cheap coverage elsewhere.

It’s harder for drivers who have been in an at-fault accident to find cheap rates. But State Farm remains a cheap company for full-coverage insurance, even for drivers who have a recent accident. On average, full-coverage after an accident costs $120 per month with State Farm, $1,108 less than average.

Besides having cheap rates for full-coverage insurance after an accident, State Farm also has great customer service. According to J.D. Power’s 2021 Auto Claims Satisfaction study, State Farm has one of the most highly-rated claims processes of any major insurance company. [2]

State Farm offers fewer coverage add-ons than some competitors. Drivers can add rental car reimbursement and roadside assistance, but gap insurance isn’t available with State Farm.

Cheapest full-coverage for military families: USAA

USAA

4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

Best and cheapest for military and vets

Cost of full-coverage

$87 per month

Drivers in the military who are looking for the best protection can get cheap full-coverage from USAA. USAA has some of the cheapest rates around, along with a history of high claims satisfaction among its customers.

On average, USAA has the cheapest full-coverage car insurance for drivers in the military and veterans. We found that for drivers with clean records, full-coverage insurance from USAA costs $87 per month, $613 per year cheaper than average.

USAA also remains a cheap company for full-coverage insurance even after an accident. On average, USAA’s rates for higher-risk drivers are just $128 per month. That’s $1,020 less per year than average.

If you’re eligible for insurance from USAA, you could get even lower rates for full-coverage by qualifying for USAA’s range of discounts, including discounts for:

  • Driving less than the average for someone your age

  • Maintaining good grades as a full-time student

  • Keeping your car on a military base

  • Paying your premiums automatically

  • Insuring more than one vehicle

  • Bundling home and auto insurance with USAA

  • Owning a new vehicle

There are only a couple of ways to personalize full-coverage insurance from USAA. Drivers can add roadside assistance and rental reimbursement, but not gap insurance or other types of coverage.

Companies with cheap full-coverage auto insurance

Although full-coverage car insurance is more expensive than minimum-coverage or one with only liability insurance, there are still plenty of companies that have cheap full-coverage insurance. Here are the 11 cheapest companies for full-coverage car insurance:

Full-coverage car insurance - pic

Overall, USAA and MAPFRE have the cheapest full-coverage car insurance (even though not everyone can get coverage).

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We found that the monthly cost of full-coverage car insurance can range from company to company, from as low as $87 up to several hundred dollars a month, so make sure to get multiple quotes before settling on the best company for you.

Company

Pg rating

Average monthly cost

USAA*

4.0 /5 ★

$87

MAPFRE

4.1 /5 ★

$87

Erie

3.9 /5 ★

$94

Auto-Owners

3.9 /5 ★

$95

State Farm

3.8 /5 ★

$98

GEICO

4.6 /5 ★

$99

COUNTRY Financial

4.3 /5 ★

$115

American Family

4.2 /5 ★

$118

Nationwide

3.8 /5 ★

$122

NJM

3.9 /5 ★

$123

Travelers

4.3 /5 ★

$125

Amica

4.2 /5 ★

$141

Shelter

4.0 /5 ★

$146

Progressive

4.1 /5 ★

$147

Kemper

3.4 /5 ★

$153

National General

3.9 /5 ★

$159

Farm Bureau

4.2 /5 ★

$162

Allstate

4.0 /5 ★

$167

Farmers

3.9 /5 ★

$169

AAA

3.4 /5 ★

$179

Hartford

3.7 /5 ★

$193

CSAA

3.4 /5 ★

$201

Mercury

2.9 /5 ★

$217

Hanover

3.7 /5 ★

$308

USAA is only available to members of the military, veterans, and their families.

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The cheapest full-coverage car insurance in every state

Since rates vary so widely by company (and location) It’s worth comparing rates in your state before you finalize your full-coverage policy. Here’s the cheapest option for full-coverage car insurance by state:

State

Cheapest company

Average monthly cost

Statewide average cost

Alabama

GEICO

$81

$144

Alaska

USAA

$77

$112

Arizona

Auto-Owners

$74

$130

Arkansas

USAA

$80

$148

California

Wawanesa

$93

$155

Colorado

American National

$68

$146

Connecticut

GEICO

$63

$149

Delaware

State Farm

$96

$176

District of Columbia

GEICO

$85

$150

Florida

GEICO

$119

$243

Georgia

Auto-Owners

$71

$142

Hawaii

GEICO

$65

$100

Idaho

American National

$42

$92

Illinois

Pekin

$59

$117

Indiana

USAA

$59

$102

Iowa

State Farm

$60

$96

Kansas

USAA

$76

$134

Kentucky

GEICO

$85

$180

Louisiana

USAA

$124

$242

Maine

GEICO

$48

$96

Maryland

USAA

$67

$150

Massachusetts

GEICO

$89

$135

Michigan

GEICO

$88

$198

Minnesota

Farm Bureau

$80

$118

Mississippi

USAA

$71

$139

Missouri

USAA

$62

$131

Montana

USAA

$71

$157

Nebraska

Auto-Owners

$86

$145

Nevada

GEICO

$87

$178

New Hampshire

USAA

$56

$102

New Jersey

GEICO

$90

$188

New Mexico

USAA

$76

$123

New York

American Family

$86

$181

North Carolina

GEICO

$61

$84

North Dakota

USAA

$66

$116

Ohio

USAA

$59

$87

Oklahoma

USAA

$79

$161

Oregon

State Farm

$70

$122

Pennsylvania

Erie

$85

$134

Rhode Island

State Farm

$82

$155

South Carolina

American National

$57

$155

South Dakota

Kemper

$94

$135

Tennessee

State Farm

$63

$111

Texas

Farm Bureau

$86

$153

Utah

GEICO

$71

$125

Vermont

State Farm

$55

$94

Virginia

USAA

$65

$109

Washington

USAA

$86

$138

West Virginia

USAA

$72

$140

Wisconsin

USAA

$57

$88

Wyoming

American National

$64

$117

Monthly costs of full-coverage car insurance.

→ Read more about how the cost of insurance changes depending on the drive

How much is full-coverage compared to liability-only?

Full-coverage costs more than having liability-only coverage. That’s because you’re adding comprehensive and collision, which cover your car. When companies cover more risk, they raise rates.

Going from a liability-only policy to full coverage may mean a difference of a few hundred dollars a year, but that could be well worth it if your car is totaled. According to data from the National Association of Insurance Commissioners, the comprehensive and collision parts of a full-coverage policy cost $518 per year.

Coverage type

Average monthly cost

Average annual cost

Comprehensive

$13

$160

Collision

$30

$358

Liability

$50

$605

Policygenius analysis of NAIC’s 2022 Insurance Industry Database Report.

Your rates also depend on how much liability coverage you have. Having a liability-only policy with only the minimum amount of liability coverage required in your state is always going to be the cheapest option, but it may leave you seriously underprepared for an accident.

Here’s how much a policy with just the required liability coverage costs compared to full-coverage with two different amounts of liability:

Coverage level

Monthly cost

Annual cost

Minimum coverage

$52

$620

Full-coverage at 50/100

$138

$1,652

Full-coverage at 100/300

$152

$1,827

Who needs full-coverage car insurance?

There are no states where drivers have to get full coverage car insurance. Unlike other types of insurance, comprehensive and collision are never on any state’s list of insurance requirements. But you’ll need full-coverage car insurance if:

  1. You lease or finance your car Your leasing or loan agreement will probably require you to have full-coverage. Since your vehicle wouldn’t be covered without comprehensive and collision, your lienholder or lessor will make you get full-coverage to protect their stake in your car.

  2. You have a new car Full-coverage is more likely to be worth it if you drive a newer vehicle. A car’s value is highest when it’s new, so it’s worth it to make sure you’re covered in case you need to repair or replace it.

  3. You can’t afford to replace your car out of pocket Drivers who couldn’t replace their car if it were totaled should have full coverage. Otherwise, they risk being without a car entirely after a crash.

  4. You just want more protection Even if you could maybe pay for damage to your own car out of pocket, it’s probably still smarter to make sure damage to your car is covered by insurance. That way, if your car is seriously damaged or totaled, you’ll only owe the amount of your deductible instead of having to pay for the whole thing yourself.

Bottom line

Not having full-coverage can leave you with a totaled vehicle that you’ll have to pay for yourself to replace. But full-coverage might not be worth it if you have an older car that it would cost more to insure than it’s worth. Remember, if you have multiple vehicles, you can always have full coverage on one and not the other. 

→ Read about the amount of car insurance that you might need

What’s not covered by full-coverage car insurance?

Full-coverage is the best protection you can get, but there are some things that even the best full-coverage policy won’t cover. 

Full-coverage doesn’t cover the types of things that just aren’t typically covered by car insurance, like:

  • Intentional damage, like if you set your car on fire

  • Normal wear and tear

  • General maintenance, like oil changes or new brake pads

  • Personal belongings that are stolen from your car, like a phone or laptop

  • Damage that exceeds your policy’s limits

  • Any damage that violates the terms of your policy, like damage that happened while racing illegally

Since full-coverage isn’t actually a kind of car insurance policy, “full coverage” can mean car insurance that includes lots of different types of coverage. 

In addition to comprehensive and collision, many drivers choose to add other optional coverages, like gap insurance, which pays off the rest of a lease or loan when your car is totaled, or roadside assistance, which covers the costs if you’re stranded by the side of the road and need a tow or a jumpstart.

How to get cheap full-coverage car insurance

The best way to be sure that you find your cheapest full-coverage rates is by shopping around and getting quotes from multiple companies. While you shop, look for:

  • The companies with the lowest rates: Some carriers are better than others at offering cheap full-coverage to different types of drivers. Compare rates so you can tell which companies offer the best deal for your needs.

  • What “full-coverage” means at each company: Some companies offer extra perks to drivers who get a full-coverage policy, like accident forgiveness or trip interruption expense coverage. Be mindful of what you’ll get from each company so you can get the most coverage for your dollar.

Once you find a company that offers you cheap full-coverage insurance, there’s still more that you can do to get lower rates, like:

  • Enrolling in a defensive driving course: Most insurance companies offer a discount if you’ve completed a defensive driving course in the last few years. Be sure to let your company know.

  • Switching to usage-based car insurance: Usage-based car insurance sets your rates based, in part, on how well (or how much) you drive. Lots of companies offer usage-based discount programs as a way to save.

  • Bundling home and auto policies: Nearly every company lets drivers get cheaper full-coverage if they bundle their home and auto policies together.

  • Re-shopping and switching carriers: You’re allowed to switch companies if yours is no longer offering you the cheapest rates for full-coverage. It’s a good idea to shop around before your renewal date to be sure you’re still getting the best deal.

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Frequently asked questions

Does full coverage car insurance really cover everything?

No, there are things that full-coverage insurance doesn’t cover. Your full-coverage insurance won’t cover damage caused by something your policy prohibits, like street racing, or any damage caused by normal wear and tear.

Is full coverage car insurance the most expensive?

Full-coverage car insurance is more expensive than getting a liability-only policy, but your rates will also depend on how much liability coverage you get. The most expensive car insurance would mean getting the most coverage available, at all of the highest limits.

Do I need full coverage on a leased or financed car?

Yes, banks and loan companies require drivers who finance a car to have full coverage (often including gap coverage) to protect their investment. Dealerships have the same requirements for leased cars. If you drop full coverage, your lender or lessor may add it to the cost of your loan (called forced-placed coverage) and it will likely be more expensive than buying it yourself.

Is full-coverage car insurance mandatory?

The law in almost every state requires drivers to have liability coverage, but there is no legal requirement to buy comprehensive and collision coverage. Drivers who have a leased or financed car will likely be required by their contracts to have full-coverage insurance, but those requirements are separate from what is required by law in your state.

Can I get cheap full-coverage auto insurance with no down payment?

When people talk about a "car insurance down payment," that usually just refers to the first insurance payment you make, which is necessary to start your policy. That's why there's really no such thing as car insurance without a down payment, but if you're looking for affordable rates, the best thing to do is shop around and compare quotes before you buy.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. National Association of Insurance Commissioners

    . "

    Complaint Index

    ." Accessed October 03, 2022.

  2. J.D. Power

    . "

    2021 Auto Insurance Claims Satisfaction Study

    ." Accessed October 07, 2022.

Authors

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

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Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Expert reviewer

Certified Financial Planner

Kristi Sullivan, CFP®

Certified Financial Planner

gray twitter icon linkgray linkedin icon link

Kristi Sullivan, CFP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, she was a regional consultant at Fidelity Investments for nine years.

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