The Cheapest Full Coverage Car Insurance of 2026
Travelers has the cheapest full coverage for most people, at $173 per month. | ||
State Farm is cheapest after an accident, and Progressive is cheapest after a DUI. | ||
Regional companies, such as Auto-Owners and Erie, also often have good rates. |
Travelershas the cheapest full coverage for most people, at $173 per month. | ||
State Farm is cheapest after an accident, and Progressive is cheapest after a DUI. |
Find the Cheapest Full Coverage Quotes in Your Area
Cheapest full coverage insurance
- 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 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 the full methodology to learn more.
Affordable full coverage car insurance
Travelers, Erie, Auto-Owners and USAA have the cheapest full coverage car insurance.
Find the Cheapest Full Coverage Quotes in Your Area
At $173 per month, Travelers has the cheapest full coverage insurance for most drivers. Erie and Auto-Owners cost less but are available in only a handful of states.
USAA is actually the cheapest, at an average of $125 per month. However, you can only get USAA as a member of the military, a veteran or a family member of someone who's had a USAA policy in the past.
Cheapest and best full coverage car insurance quotes
Company |
ValuePenguin score
| Avg. rate | |
|---|---|---|---|
| Erie | 4.5/5 | $154 |
| Auto-Owners | 4/5 | $171 |
| Travelers | 3.5/5 | $173 |
| Geico | 3/5 | $187 |
| State Farm | 4.5/5 | $192 |
All rates are monthly averages. 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.
But full coverage doesn't mean you have coverage for anything and everything that can happen. You still have to buy add-on coverages for things like roadside assistance, protection for custom equipment and reimbursement for the cost of a rental car. Gap coverage, which pays off anything remaining on your car loan if your car is worth less than you owe, is also extra. And if you want your car repaired with original equipment manufacturer (OEM) parts, you'll need an add-on called OEM coverage.
Cheap full coverage car insurance by state
Travelers has the cheapest full coverage insurance in 12 states.
Geico is the cheapest in 11 states and Washington, D.C. Progressive and State Farm charge the lowest full coverage rates in six states each. By choosing the cheapest car insurance company in your state, you can save about one-third off of average rates.
Find the Cheapest Full Coverage Quotes in Your Area
It's important to get personalized quotes because companies that are expensive nationally could have very good deals in your area, and cheap rates can also be found at small or regional companies.
For example, State Farm does not have the cheapest average rate nationally. But, it has the lowest full coverage car insurance quotes in Idaho, Mississippi, Montana, North Dakota, Oregon and Texas.
Cheapest full coverage insurance quotes in each state
State | Avg. full cov. rate | Cheapest company | Company rate |
|---|---|---|---|
| Alabama | $181 | Travelers | $134 |
| Alaska | $170 | Geico | $129 |
| Arizona | $236 | Progressive | $176 |
| Arkansas | $225 | Shelter | $165 |
| California | $221 | Geico | $143 |
All rates are monthly rates for full coverage.
Cheapest for most people: Travelers
- Full coverage: $173/mo
-
Editor's rating:
3.5/5
Travelers has the cheapest full coverage auto rates that are available nationally.
More about Travelers
| Full coverage is $35/mo cheaper than average ? |
| Lots of discounts to help you save ? |
| Difficult claims process after a crash ? |
| Not the cheapest option in some states ? |
Cheap with good service: Erie
- Full coverage: $154/mo
-
Editor's rating:
4.5/5
Erie offers very cheap rates and great customer service, but it's only available in 12 states and D.C.
More about Erie
|
| Full coverage from Erie is $54/mo cheaper than avg. ? |
| Great for bundling with home policies ? |
| Helpful customer service after a crash ? |
|
| Available in only 12 states and D.C. ? |
Cheapest car insurance for full coverage with policy extras: Auto-Owners
- Full coverage: $171/mo
-
Editor's rating:
4/5
Auto-Owners has the best cheap full coverage auto insurance if you need extra protection.
More about Auto-Owners
|
| Full coverage is $37/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 for drivers with poor credit: Geico
- Cheap rates for poor credit: $305/mo
-
Editor's rating:
3/5
Geico offers affordable full coverage insurance for drivers with poor credit.
More about Geico
|
| Geico’s poor credit coverage is 26% cheaper than the average cost ? |
|
| Cheapest rates in 11 states and D.C. ? |
| Discounts and coverage options may vary by state ? |
| Not the best customer service ? |
Cheapest full coverage after an accident: State Farm
- Full coverage w/ an accident: $218/mo
-
Editor's rating:
4.5/5
State Farm offers the cheapest full coverage rates after an accident.
More about State Farm
|
| Full cov. from State Farm after an accident is $92/mo below avg. ? |
|
| Great for bundling with home, renters or other policies ? |
|
| Helpful customer service after a crash ? |
| Cheap rates after you get a speeding ticket ? |
Affordable full coverage auto insurance after a DUI: Progressive
- Full coverage w/ a DUI: $268/mo
-
Editor's rating:
3.5/5
Progressive offers the cheapest full coverage most people can get after a DUI, and you can quickly get SR-22 coverage online.
More about Progressive
|
| $123/mo cheaper than average after a DUI ? |
| Quick and easy online quotes, even if you need an SR-22 ? |
|
| Poor customer service after a crash ? |
|
| Not the cheapest for safe drivers and teens ? |
Cheapest full coverage auto insurance for military families: USAA
- Full coverage: $125/mo
-
Editor's rating:
4.5/5
USAA's cheap rates and good customer support make it the best full coverage car insurance company for military families.
More about USAA
|
| Full coverage is $83/mo cheaper than average ? |
| Available discounts and helpful coverage options ? |
| Only available to drivers with military ties ? |
| Friendly customer service and high customer satisfaction ? |
Best cheap full coverage car insurance companies
Some of the best car insurance companies, such as State Farm and USAA, sell cheap full coverage.
You don’t have to give up quality just to save money. When you're shopping for a policy, be sure to look at regional companies, too. Smaller companies, such as West Bend and IMT, often have great rates and good service.
Each company below has a ValuePenguin rating of 4.5 or more stars and an average rate that's less than the national average of $208 per month.
USAA is only available to military members, veterans and some family members. Savings are calculated compared to the national average cost for full coverage, which is $208/month.
Do I need full coverage insurance?
Most drivers should consider full coverage insurance, especially if they have a newer car. But it’s not required unless your lender says so.
When should you get full coverage?
If you have a car loan or lease, your lender probably requires you to have a full coverage policy. That's because full coverage comes with collision and comprehensive insurance. These coverages pay to fix or replace your car after an accident, theft, flooding and other types of damage.
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
If your car is worth more than $5,000 or is newer than 8 years old, it's usually worth it to have full coverage, even if you own the car outright. Collision and comprehensive coverage typically cost less than your repairs after a serious accident.
There are a lot of factors that go into the cost of collision and comprehensive insurance, including the age and type of car you drive, accident and theft rates in your area and your personal driving history.
One of the most important factors is your deductible. Policies with higher deductibles usually cost less because insurance companies won't pay as much after a crash.
Monthly collision and comprehensive rates by deductible
Deductible | Collision | Comprehensive | Total monthly cost |
|---|---|---|---|
| $250 | $79 | $38 | $117 |
| $500 | $67 | $31 | $98 |
| $1,000 | $53 | $24 | $78 |
| $1,500 | $47 | $21 | $68 |
Deductible | Collision | Comprehensive |
|---|---|---|
| $250 | $79 | $38 |
| $500 | $67 | $31 |
| $1,000 | $53 | $24 |
| $1,500 | $47 | $21 |
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.
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.
A full coverage policy with higher limits means you'll pay less out of pocket if you cause a major accident.
How much liability coverage do I need?
You should get as much liability coverage as you can afford, so you're protected if you cause a major accident.
Coverage: 25/50/20
-
Monthly rate: $179/month
-
Is it enough coverage? It might cover a very minor fender bender, but this isn't enough protection for a serious accident.
What does 25/50/20 mean? This is a shorter way to write $25,000 of bodily injury liability coverage per person and $50,000 per accident along with $20,000 of property damage liability coverage per accident.
Example
- Example crash: You have a fender bender with a small SUV at 25 mph. One passenger has a minor concussion.
- Claim total: $30,000 in medical bills and $25,000 in vehicle damage
- Would 25/50/20 be enough? No, you'll end up paying around $10,000 out of pocket: $5,000 for medical bills and $5,000 for the other driver's vehicle repairs.
Coverage: 50/100/25
-
Monthly rate: $189/month
-
Is it enough coverage? It's enough to cover most common crashes. But it's not enough for a major accident.
What does 50/100/25 mean? This is a shorter way to write $50,000 of bodily injury liability coverage per person and $100,000 per accident along with $25,000 of property damage liability coverage per accident.
Example
- Example crash: You crash into a family minivan at 30 mph. Two family members suffer back injuries.
- Claim total: $30,000 in medical bills and $25,000 in vehicle damage
-
Would 50/100/25 be enough? Yes, you have up to $100,000 to cover the medical bills of the two passengers. Your insurance will also pay up to $25,000 for damage to the minivan, which is right on target.
That means you're fully covered after this minor crash. But that may not be the case if more passengers in the other car were hurt, there were severe injuries or you crashed into an expensive new car.
Coverage: 100/300/50
-
Monthly rate: $198/month
-
Is it enough coverage? In most cases, this is enough coverage. But it might fall short if you cause a very serious accident.
What does 100/300/50 mean? This is a shorter way to write $100,000 of bodily injury liability coverage per person and $300,000 per accident along with $50,000 of property damage liability coverage per accident.
Example
- Example crash: You rear-end a Tesla Cybertruck at 40 mph. One passenger has a fractured pelvis, and another has severe whiplash, needing an MRI and specialist care.
- Claim total: $60,000 in medical bills and $40,000 in vehicle damage
-
Would 100/300/50 be enough? Yes, your insurance will pay up to $300,000 to cover medical bills for all three passengers, well above the cost of their injuries.
You also have up to $50,000 for damage to the Tesla, so you won't have to pay anything out of pocket.
Coverage: 250/500/100
-
Monthly rate: $217/month
-
Is it enough coverage? Yes, this should cover most accidents, including a very serious or multicar crash.
What does 250/500/100 mean? This is a shorter way to write $250,000 of bodily injury liability coverage per person and $500,000 per accident along with $100,000 of property damage liability coverage per accident.
Example
-
Example crash: You rear-end a line of stopped vehicles going 55 mph, resulting in a three-car pileup.
A BMW X5 is totaled, and the other cars need major repairs. Four people are injured in the crash — one with a broken leg, one with a traumatic brain injury and two others with back and neck injuries.
- Claim total: $120,000 in medical bills and $90,000 in vehicle damage
-
Would 250/500/100 be enough? Yes, you have up to $500,000 to cover medical bills for all four passengers, which easily covers $120,000 in injuries.
You also have up to $100,000 for damage to the other driver's cars: $67,000 to pay for a replacement BMW and up to $33,000 for repairs to the other vehicles. That exceeds the total amount of property damage.
How much is full coverage insurance?
The average cost of full coverage car insurance is $208 per month for a typical safe driver.
In contrast, liability-only insurance is about 65% less, at $76. 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 are a new or young driver, have any tickets or have poor credit. 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
Monthly rate | |
|---|---|
| Full coverage | $208 |
| Speeding ticket | $258 |
| Accident | $310 |
| Poor credit | $412 |
| DUI | $391 |
| Teen buying their own policy | $599 |
All rates are for a full coverage policy unless otherwise noted.
- If you've caused a car accident, your insurance rates could 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. Lots of factors can affect which company is cheapest. |
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.
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.
Frequently asked questions
How much is full coverage insurance?
Which company is the cheapest option for full coverage?
Travelers is the cheapest widely available option for full coverage auto insurance, at $173 per month. You should also get quotes from Erie, Auto-Owners or USAA if you’re eligible because of where you live or a military connection.
What does full coverage car insurance cover?
Full coverage pays for damage to your car as well as any damage or injuries you cause to others. The main benefit of full coverage is that it includes collision and comprehensive coverage, which protect 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 PIP, 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, minus your deductible, if you cause an accident. 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 mileage. 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 10 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 large market shares 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, with a clean driving record and who drives a 2018 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: $50,000 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.
