See car insurance quotes from our partners

We don't sell your information to third parties.

auto-home-phone-hero

The cheapest full-coverage car insurance in 2022

USAA and MAPFRE have the cheapest average rates for full-coverage auto insurance at $87 per month, but cheaper companies may be available depending on where you live.

Rachael Brennan headshotAndrew Hurst

By 

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.

 & 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.

Updated May 9, 2022 | 8 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Full-coverage car insurance costs an average of $135 per month, but we found that the cheapest company for full-coverage car insurance is a tie between USAA and MAPFRE, with average rates as low as $87 per month

Compare rates and shop affordable car insurance today

We don’t sell your information to third parties.

But USAA and MAPFRE aren’t available to everyone in the U.S. We found that other top companies, including Erie, State Farm, and GEICO, also offer cheap full-coverage auto insurance.

How we found the cheapest companies for full coverage

Expand

We found the cheapest car insurance companies for full coverage by analyzing rates provided by Quadrant Information Services for every ZIP code in all 50 states, plus 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 quotes we analyzed were for a policy with the following limits:

  • Bodily injury liability: 50/100
  • Property damage liability: $50,000
  • Uninsured/underinsured motorist: 50/100
  • 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.

We also determined which of the companies with the cheapest rates had the best customer service by comparing scores from J.D. Power’s Auto Insurance Claims Satisfaction Survey, complaint data from the National Association of Insurance Commissioners.

The cheapest companies for full-coverage car insurance

We found that USAA and MAPFRE have the cheapest full-coverage car insurance overall at just $87 per month. These companies are two of just six companies from our list that offer full-coverage insurance for less than $100 per month. 

While USAA and MAPFRE’s rates are the lowest for a full-coverage policy, they don’t offer insurance to everyone. If MAPFRE doesn’t operate in your state and you’re not eligible for coverage from USAA, State Farm, Erie, and GEICO also have cheap rates for full coverage.

A graph showing the cheapest companies for full-coverage

Compare rates and shop affordable car insurance today

We don’t sell your information to third parties.

Depending on the company, the monthly cost of full-coverage car insurance ranges from $87 to $308. Since costs can vary significantly from one company to another, it’s important to compare quotes to be sure you’re getting the best rate possible for full-coverage insurance.

RankCompanyMonthly costAnnual cost
1USAA$87$1,039
2MAPFRE$87$1,040
3Erie$94$1,132
4State Farm$98$1,173
5GEICO$99$1,184
6Auto-Owners Insurance$99$1,192
7COUNTRY Financial$115$1,385
8American Family$118$1,415
9Nationwide$123$1,473
10Farm Bureau$127$1,476
11Travelers$125$1,505
12Kemper$138$1,651
13Average cost$138$1,652
14Amica$141$1,687
15National General$143$1,714
16Shelter Insurance$146$1,746
17Progressive$148$1,774
18The Hartford$162$1,939
19Farmers$162$1,944
20Allstate$165$1,981
21CSAA$201$2,416
22Auto Club Group$215$2,579
23Mercury Insurance$217$2,598
24Sentry Insurance$270$3,237
25Hanover$308$3,701

Monthly costs of full-coverage car insurance.

The best companies for full-coverage car insurance

The best full-coverage insurance company for one driver may not be the best for another, So we picked the best insurance companies for full-coverage car insurance based on different needs:

Cheapest full coverage overall: MAPFRE

MAPFRE

MAPFRE logo

Cheapest for full coverage

MAPFRE has the most affordable full-coverage car insurance of any company on our list— but it’s not available in every state.

MAPFRE is the cheapest company for full-coverage car insurance. The cost of a full-coverage policy from MAPFRE is just $87 per month (or $1,040 per year). This means MAPFRE is 37% cheaper than the national average for full-coverage car insurance.

The number of discounts that MAPFRE offers also makes it a great choice for drivers looking for cheap full coverage. With MAPFRE, drivers can save by:

  • Bundling policies, like home and auto insurance

  • Insuring more than one car on the same policy

  • Driving fewer miles each year

  • Completing crash prevention and defensive driving courses

  • Signing up for paperless billing

  • Paying your annual premium at once

But not every driver will be able to get cheap full-coverage auto insurance from MAPFRE since it only offers car insurance in 14 states.

→ Read more about the cheapest companies for different types of drivers

Cheapest full coverage from a large company: 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

Best full-coverage from a major company

State Farm’s low rates and national presence make it the cheapest company for most drivers looking for full-coverage car insurance.

State Farm has the cheapest full-coverage car insurance of any company that’s nationally available. The average cost of full-coverage from State Farm is $98 per month (or $1,173 per year), only slightly higher than some of the other companies on our list and still 29% more affordable than the national average.

Drivers with State Farm can also save on the cost of car insurance with the company’s discounts. While State Farm offers fewer discounts than other companies, drivers can still get lower rates for full coverage by avoiding accidents and tickets and:

  • Signing up for the Drive Safe and Save program

  • Taking a defensive driving course

  • Remaining a safe driver for at least three years

Cheapest full-coverage car insurance for military families: USAA

USAA

USAA logo

Best and cheapest for veterans

If you’re in the military or a part of a military family, USAA has the cheapest full-coverage car insurance of any company.

USAA is tied with MAPFRE for the cheapest full-coverage car insurance in the country. The cost of full-coverage with USAA is $87 per month (or $1,039 per year), which means it’s 37% cheaper than the national average.

Only drivers who are active, reserve, or retired members of the military (and their families) can get car insurance from USAA. Those who are eligible get access to the company’s consistently highly ranked customer service, and a range of discounts. You could save with USAA by:

  • Signing up for the SafePilot program

  • Driving less than the average for someone your age

  • Keeping your car on a military base

  • Paying your premiums automatically

  • Insuring more than one vehicle

Cheapest full-coverage car insurance for customer service: Erie

Erie

3.9

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.

Erie logo

Best for highly-rated customer service

Erie’s highly rated customer service and cheap rates make it a top pick for full coverage.

Erie is the best full-coverage car insurance for drivers who want highly rated customer service along with cheap rates.It’s also among the cheapest companies on our list. The average cost of full-coverage car insurance from Erie is $94 per month — 31% less than the national average.

According to J.D. Power’s Auto Insurance Claims Satisfaction Survey, Erie has the third-highest customer service approval compared to its competitors [1] . It also placed second in the regional survey of companies in the North Central (Midwest) states. [2] Finally, Erie usually gets around the expected number of complaints for its size, according to the National Association of Insurance Commissioners. [3]

Cheapest full-coverage car insurance for discounts: 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

Best for discounts

GEICO’s discounts could make its cheap rates for full-coverage insurance even lower.

While it’s not the absolute cheapest company for full-coverage car insurance, GEICO is the best company for full coverage for drivers looking for ways to save on their policies. We found that the average rate for full-coverage car insurance policy from GEICO is $99 per month — 28% less than the national average.

GEICO’s list of discounts also means more ways to get even cheaper full-coverage quotes. You can get more affordable full-coverage insurance by:

  • Bundling more than one type of insurance

  • Insuring multiple vehicles on the same policy

  • Having an anti-theft device in your car

  • Driving a car that’s 3 years old or newer

  • Completing a defensive driving or new driver course

  • Being employed by or involved in any of GEICO’s affinity groups

On top of its cheap rates and discounts, GEICO offers a variety of coverage options for even more protection, like mechanical breakdown insurance, rental reimbursement coverage, and roadside assistance.

What is full-coverage car insurance?

Full-coverage car insurance just means a policy that includes comprehensive and collision coverage along with the liability coverage that’s required by your state. Unlike liability car insurance, full-coverage insurance covers damage to your own car in addition to the damage or injuries you cause in an accident.

Neither comprehensive or collision coverage are required by law, but if you lease or finance your car, you’re probably required by your lessor or lender to add them to your policy.

Liability coverage 

Usually split into bodily injury liability (BDL) and property damage liability (PDL), liability coverage is required in almost every state. It pays for the costs if you cause an accident and damage someone else’s car or injure them or their passengers. 

Collision coverage

When you’re in an at-fault accident, your liability coverage covers the costs of the damage to the other driver’s car, but not the damage to your own vehicle. Collision coverage pays for repairs to your own car after you cause an accident, whether or not there was another driver involved. That means that if you back into a hydrant or wrap your car around a telephone pole, collision coverage is what pays for repairing or replacing it. 

Comprehensive coverage

Sometimes called “other than collision,” comprehensive coverage covers damage to your car that’s not caused by an accident. That includes damage from extreme weather, like ice and hail, damage from animals, and damage from falling objects, like if a tree branch smashes the hood of your car. Comprehensive coverage will also pay to replace your car if it’s stolen.

Additional coverage options

There are a few other coverage types that may part of a full-coverage car insurance policy, including:

  • Uninsured/underinsured motorist coverage: This covers the cost if you are in an accident caused by a driver who is uninsured, or who doesn’t have sufficient coverage to pay for the damage they caused.

  • Gap insurance: If your car is totaled or stolen, gap coverage pays for the difference between the actual cash value of your car and the amount you still owe on a car loan or lease.

  • Personal injury protection: PIP coverage covers your medical expenses after an accident — no matter who is at fault — and is required in no-fault states. 

  • Roadside assistance: Roadside assistance pays for roadside emergencies, like towing your car if it breaks down or changing a flat tire.

What full-coverage insurance does not cover

A full-coverage car insurance policy is the best protection you can get, but there are still some things even the most robust car insurance policy won’t cover. A full-coverage policy doesn’t cover regular auto maintenance, like oil changes, or general wear and tear, like replacing worn brake pads. 

Your car insurance also may not cover you if you use your car for work without disclosing it, or if you damage it while doing something that breaks the terms of your policy, like racing. And if the damage you cause in an accident is more than your liability limits, you’ll be left to pay for the excess on your own.

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

Full-coverage car insurance is, on average, $1,108 more expensive per year than a liability-only policy. The reason that full-coverage auto insurance is more expensive than a liability-only policy is simply because full coverage comes with more protection.

While almost every state has a minimum coverage requirement, there are no laws mandating that drivers get comprehensive and collision coverage. Typically, lenders and lessors will require drivers to have full coverage, but if you own your car outright, there’s no rule saying you need full coverage.

Type of policyMonthly costAnnual cost
Full coverage$144$1,725
Minimum coverage$51$617
Difference$92$1,108

Costs of full-coverage car insurance for a 30-year-old driver.

Compare rates and shop affordable car insurance today

We don’t sell your information to third parties.

The cheapest full-coverage car insurance in every state

While USAA and MAPFRE have the lowest average rates for full-coverage auto insurance, MAPFRE isn’t actually the cheapest option in any one state. USAA is the cheapest full-coverage car insurance company in 19 states, and GEICO has the cheapest full-coverage car insurance in 13 states, including the District of Columbia. 

Since only drivers associated with the military can get covered by USAA, this makes GEICO the cheapest full-coverage car insurance company for most people.

StateCheapest companyMonthly cost
AlaskaUSAA$77
AlabamaGEICO$81
ArkansasUSAA$80
ArizonaRoot$62
CaliforniaWAwanesa$93
ColoradoAmerican National$68
ConnecticutGEICO$63
District of ColumbiaGEICO$85
DelawareState farm$96
FloridaGEICO$119
GeorgiaAuto-Owners$71
HawaiiGEICO$65
IowaState Farm$60
IdahoAmerican National$42
IllinoisPekin$59
IndianaUSAA$59
KansasUSAA$76
KentuckyGEICO$85
LouisianaUSAA$124
MassachusettsGEICO$89
MarylandUSAA$67
MaineGEICO$48
MichiganGEICO$88
MinnesotaFarm Bureau$80
MissouriUSAA$62
MississippiUSAA$71
MontanaUSAA$71
North CarolinaGEICO$61
North DakotaUSAA$66
NebraskaAuto-Owners$86
New HampshireUSAA$56
New JerseyGEICO$90
New MexicoUSAA$76
NevadaGEICO$87
New YorkAmerican Family$86
OhioUSAA$59
OklahomaUSAA$79
OregonState Farm$70
PennsylvaniaErie$85
Rhode IslandUSAA$93
South CarolinaAmerican National$57
South DakotaKemper$94
TennesseeState Farm$63
TexasFarm Bureau$86
UtahGEICO$71
VirginiaUSAA$65
VermontState Farm$55
WashingtonUSAA$86
WisconsinUSAA$57
West VirginiaUSAA$72
WyomingAmerican National$64

Monthly costs of full-coverage car insurance for 30, 35, and 45-year-old drivers.

If the full-coverage car insurance quotes are expensive in your state, find the cheapest coverage for you by comparing rates from multiple companies.

Average cost of full-coverage insurance by state

The average cost of full-coverage car insurance nationwide is $138 per month (or $1,652 per year), but rates vary significantly based on where you live. We found that the cost of auto coverage can vary by as much as $1,905 per year depending on the state.

According to our research, the cheapest state for full-coverage car insurance is North Carolina, where the average rate for full-coverage car insurance is just $84 a month. Florida is the most expensive state for full-coverage insurance, rates are $243 per month on average.

StateMonthly costAnnual cost
Alaska$112$1,345
Alabama$144$1,726
Arkansas$148$1,772
Arizona$130$1,564
California$155$1,857
Colorado$146$1,751
Connecticut$149$1,789
District of Columbia$150$1,796
Delaware$176$2,110
Florida$243$2,914
Georgia$142$1,710
Hawaii$100$1,200
Iowa$96$1,152
Idaho$92$1,109
Illinois$117$1,403
Indiana$102$1,219
Kansas$134$1,604
Kentucky$180$2,158
Louisiana$242$2,906
Massachusetts$135$1,614
Maryland$150$1,798
Maine$96$1,147
Michigan$198$2,377
Minnesota$118$1,418
Missouri$131$1,568
Mississippi$139$1,674
Montana$157$1,888
North Carolina$84$1,009
North Dakota$116$1,397
Nebraska$145$1,735
New Hampshire$102$1,224
New Jersey$188$2,259
New Mexico$123$1,480
Nevada$178$2,137
New York$181$2,172
Ohio$87$1,038
Oklahoma$161$1,928
Oregon$122$1,461
Pennsylvania$134$1,605
Rhode Island$155$1,860
South Carolina$155$1,864
South Dakota$135$1,618
Tennessee$111$1,329
Texas$153$1,839
Utah$125$1,503
Virginia$110$1,314
Vermont$94$1,124
Washington$138$1,651
Wisconsin$88$1,062
West Virginia$140$1,681
Wyoming$117$1,398

Monthly costs of full-coverage car insurance for 30, 35, and 45-year-old drivers.

How much is full coverage for a new car?

Full-coverage insurance for a new car is usually more expensive than it would be for an older model of the same vehicle. This is because new cars often have more advanced technology that make repairing or replacing the vehicle more expensive after a crash. However, lots of companies offer special discounts for cars that are under two or three years old.

Very old cars are significantly cheaper to insure, but that’s because drivers may not need to get full coverage for those vehicles. When a car’s value drops beneath the policy’s deductible, it’s no longer worth paying extra for comprehensive and collision coverage.

How to get the cheapest full-coverage car insurance

While the cost of full-coverage car insurance is more expensive than a policy with less protection, it’s still possible to find affordable insurance that has all the coverage you need. To get cheap full-coverage auto insurance, you should:

  • Search for discounts: While most companies offer at least a few discounts, some offer far more than others. Check which companies offer the best value and the most discounts that you qualify for. 

  • Decide how much insurance you need: Full-coverage policies include comprehensive and collision insurance, but you may not need other add-ons. Read through any quotes you request and be sure that you remove any extra forms of coverage that aren’t right for you.

  • Compare rates from companies in your area: The best and easiest way to ensure you get the cheapest full-coverage quotes is by comparing rates from multiple companies before picking a policy. That way you can be sure you’re getting the best coverage at the lowest rates.

Compare rates and shop affordable car insurance today

We don’t sell your information to third parties.

Do I need full-coverage car insurance?

Yes, if you’re financing your vehicle with a car loan, your lender will require you to get full-coverage car insurance. Same goes for leasing a car. You also need to have full coverage if you can’t afford to replace your car out-of-pocket if it is stolen or totaled in an accident.

If you have an older vehicle that isn’t worth very much, you may want to drop full coverage in favor of a liability-only policy. For example, if you drive a 15-year-old Honda Civic that is only worth $1,000, the small payout you’ll get for a totaled car wouldn’t be worth the higher insurance rates.

Frequently asked questions

Who has the cheapest full-coverage car insurance?

On average, MAPFRE has the cheapest full-coverage insurance. USAA and GEICO are the cheapest companies in most states, while Erie is the cheapest company for drivers looking for discounts. And State Farm is the cheapest company with the best customer service.

How can I save money on my full-coverage car insurance?

The easiest way to save money on your car insurance is to compare car insurance quotes from multiple companies before purchasing a policy to make sure you are getting the best and cheapest car insurance available. You can also take advantage of available discounts and work to keep your driving record clean to help keep your rates as low as possible.

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 (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 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.