The Cheapest (and Best) Full Coverage Car Insurance of 2025
State Farm has the cheapest full coverage auto insurance for most drivers, at an average of $134 per month.
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Cheapest full coverage insurance companies
- Affordable: These are the cheapest major companies for full coverage, based on millions of full coverage quotes across every ZIP code in the U.S. With car insurance, you don't always get more by paying more, and choosing a cheap company could help you save money.
- High quality: These are also the best companies for full coverage. Plus, they have helpful coverage options and are also reliable companies. They are easy to deal with when you make a claim, which means you don't have to sacrifice quality for price.
- Good coverage: Rates are for full coverage policies with good coverage. Quotes are for a 50/100/25 policy with a $500 deductible for damage to your car. Quotes also include coverage to protect you from uninsured and underinsured drivers on the road.
Read our full methodology to learn more about how we crunched the numbers.
Affordable full coverage car insurance
State Farm, Auto-Owners and USAA have the cheapest full coverage car insurance.
Find the Cheapest Full Coverage Quotes in Your Area
At $134 per month, State Farm has the best cheap full coverage insurance for most drivers.
USAA actually costs an average of $110 per month, which is cheaper than State Farm. However, it's only available to military members, veterans and their families.
Cheap full coverage car insurance quotes
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $134 | |
| Auto-Owners | $145 | |
| Travelers | $151 | |
| Farm Bureau | $159 | |
| American Family | $168 | |
*Only current and former military members and their families are eligible for a USAA policy.
Full coverage car insurance is the best choice for most people. It helps you pay to repair your car after an accident you cause because it includes comprehensive and collision as well as liability coverage .
Cheapest and best full coverage car insurance: State Farm
- Full coverage: $134/mo
-
Editor rating
State Farm is the cheapest insurance company available to almost all drivers across the country.
| Full coverage from State Farm is $41/mo cheaper than avg. ? |
| Great for bundling with home insurance, renters coverage or other policies ? |
| Helpful customer service after a crash ? |
| Does not have many useful add-ons such as gap insurance and accident forgiveness ? |
Cheapest full coverage insurance for policy extras: Auto-Owners
- Full coverage: $145/mo
-
Editor rating
Auto-Owners has the cheapest full coverage auto insurance if you need extra protection.
| Full coverage is $30/mo cheaper than average ? |
| Lots of coverage add-ons to customize your policy ? |
| Available in about half of the states ? |
|
| Usually not good for bundling with home insurance ? |
Cheapest full coverage auto insurance for military families: USAA
- Full coverage: $110/mo
-
Editor rating
USAA's cheap rates and good customer support make it the best full coverage car insurance company for military families.
|
| Full coverage car insurance is $65/mo cheaper than average ? |
| Lots of discounts and helpful coverage options ? |
| Only available to those on active service, veterans and their families ? |
| Friendly customer service and high customer satisfaction ? |
Cheap full coverage car insurance by state
State Farm has the cheapest full coverage insurance in 21 states.
By choosing the cheapest car insurance company in your state, you can save you about one-third off of average rates. It's important to get personalized quotes because companies that are expensive nationally could be a very good deal in certain areas, and cheap rates can also be found at small or regional companies.
Find the Cheapest Full Coverage Quotes in Your Area
Cheapest full coverage car insurance company in each state
State | Cheapest company |
Cost
| |
|---|---|---|---|
| Alabama |
| State Farm | $103 |
| Alaska |
| State Farm | $115 |
| Arizona |
| State Farm | $138 |
| Arkansas |
| State Farm | $113 |
| California | 
| Geico | $124 |
How much should full coverage car insurance cost?
The average cost of full coverage car insurance is $175 per month for a typical safe driver.
Rates can vary widely based on factors such as where you live and the company you choose.
You'll pay more for car insurance if you're a new driver, have any tickets or have poor credit, or are a young driver. Insurance companies use these factors as a way to predict how likely you are to file a claim.
Average cost of full coverage car insurance
Coverage and driver type | Average monthly rate |
|---|---|
| Minimum liability | $69 |
| Full coverage | $175 |
| Full coverage after a ticket | $216 |
| Full coverage after a crash | $262 |
| Full coverage if you have poor credit | $341 |
- If you've caused a car accident, insurance rates will double. But they'll return to normal in about three years when the accident goes off your record.
- If you have poor credit, improving your credit score over time could cut your car insurance rates in half.
7 ways to get the best full coverage car insurance quotes
1. Shop around
2. Use car insurance discounts
3. Get rid of coverage you don't need
4. Increase your deductible
5. Increase your coverage limits
6. Bundle your policies
7. Pay by credit card to earn cash back
Shopping tips for comparing full coverage quotes
| Getting car insurance quotes won't hurt your credit score so it's ok to get multiple quotes. |
| It's free to get car insurance quotes from any reputable car insurance company. |
| Use the same coverage limits and add-ons for each quote to get the best comparison. |
| Pay attention to the plan details. Even your payment method can change which company is cheapest. |
Is full coverage the best car insurance?
Full coverage is the best choice for most drivers, especially if you have a newer or financed car.
Full coverage costs twice as much as minimum coverage because it pays for damage to your car in most types of accidents.
That's because full coverage comes with collision and comprehensive coverage. It's also why your lender probably requires full coverage if you have a leased or financed car.
In comparison, a minimum liability policy only covers injuries to others and damage to their car or property.
In addition to protecting your car, full coverage typically includes higher liability limits than minimum coverage.
Many states require very low liability limits that don't provide enough protection to cover the cost of a major accident. The higher limits included with full coverage mean you'll pay less out of pocket if you cause a major accident.
What's included with full coverage car insurance quotes?
Full coverage auto insurance includes collision and comprehensive coverage, which offer more protection than a minimum liability policy.
Comprehensive and collision coverage pay for damage to your car. Full coverage typically also has higher liability limits than the minimums required by your state. This protects you if you cause an expensive accident.
Collision coverage pays for damage to your car after a crash with another vehicle or structure, regardless of whose fault it is.
- Hitting another car
- Crashing into a pole or fence
- Driving over a big pothole
Comprehensive coverage pays for damage to your car that's not strictly related to driving.
- Weather, including hail or storms
- Theft or vandalism
- Hitting animals like deer on the road
- Broken window or slashed tires
What else does a full coverage policy cover?
A full coverage policy also includes any other coverage your state requires. This could include uninsured motorist coverage or personal injury protection.
- Uninsured motorist coverage pays for your injuries and damage to your car if an uninsured driver hits you. Some states require this coverage.
- Underinsured motorist coverage pays for your expenses if you're hit by a driver who doesn't have enough car insurance to cover your costs.
- Personal injury protection (PIP) pays your medical bills if you’re injured in a crash, regardless of who caused it. PIP can also reimburse you for lost wages if you miss work while recovering. "No-fault" states may require PIP.
Is full coverage insurance worth it?
If your car is worth more than $5,000 or is newer than eight years old, it's usually worth it to have full coverage.
It can help you avoid expensive repairs. Plus, you must have full coverage if you have a loan or lease.
Consider dropping your comprehensive and collision insurance when you can reasonably afford to replace your car. Your car insurance costs will drop. But you'll need to pay for a new car out of pocket if you cause an accident that totals your car.
Frequently asked questions
How much is full coverage insurance?
Full coverage car insurance costs $175 per month, on average. Some drivers can find cheaper rates from companies like State Farm, Erie, Country Financial or USAA.
Which company is the cheapest option for full coverage?
State Farm is the cheapest widely available option for full coverage auto insurance, at $134 per month. Drivers can also find cheap quotes from Auto-Owners to get extra coverage options, and from USAA if you're eligible because of your military connection.
What does full coverage car insurance cover?
Full coverage pays for damages to your car as well as any damages or injuries you cause to others. The main benefit of full coverage is that it includes collision and comprehensive coverage which protects your car. Full coverage also usually includes more liability coverage than your state's minimum requirements so you'll be protected if you cause an expensive accident.
If your state requires uninsured and underinsured motorist coverage and personal injury protection, these coverages may be included in your full coverage policy. But the definition of full coverage varies by company.
Do I need full coverage on a financed car?
Yes, lenders require a full coverage policy with collision and comprehensive if you have a new car loan or lease. Once you pay off your loan, you're free to decide if you still need a full coverage policy.
Does full coverage car insurance replace your car?
Yes, a full coverage policy's collision coverage will pay for a new car or fix your vehicle if you cause an accident, minus your deductible. If another driver causes the accident, their liability coverage will pay to repair or replace your car.
Keep in mind that most car insurance only pays out the value of your car after considering its age and miles. This is usually lower than the price to buy a similar car so you'll have to pay some of the cost yourself. And if your car isn't worth a lot, it's likely that insurance will consider it totaled after an accident because the cost of repairs could be more than the car is worth.
Methodology
How we chose the top companies
- ValuePenguin's top picks for full coverage consider major insurance companies that have a large market share in at least ten states. Our experts excluded companies where cost data wasn't available, such as Liberty Mutual. Companies were sorted by their average rates for full coverage car insurance to find which options had the cheapest rates. Then they were compared for their quality to find the cheap companies that are also reliable.
- The cheapest companies per state include the companies that have a large market share in that state. This includes national brands as well as small or regional companies to help you find the best deal in your area, no matter how well-known the insurance company is. We excluded companies where cost data wasn't available.
- ValuePenguin's editor ratings are based on a company's overall quality and performance. The ratings consider coverage options (30% of score), customer service (30% of score), price (30% of score) and unique offerings (10% of score).
How rates are calculated
ValuePenguin's rates are based on millions of quotes gathered from every ZIP code in 50 states and Washington, D.C. Rates are collected for the top insurance companies in each state for a 30-year-old man with good credit, a clean driving record and driving a 2015 Honda Civic EX.
Full coverage limits are greater than any one state's minimum requirement and include uninsured and underinsured motorist bodily injury coverage. Comprehensive and collision insurance each have a $500 deductible.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible for comprehensive and $500 deductible for collision
- Personal injury protection: Minimum, when required by state
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.