If you're looking for full-coverage car insurance, USAA, Allstate and American Family have the cheapest average rates. It should be noted that USAA only provides auto insurance for currently serving or veteran military personnel. If you're a civilian, Allstate and American Family are your cheapest choices.
Full-coverage car insurance is necessary if you want coverage against damages and injuries after an accident you're responsible for, as well as theft or vandalism of your car. Liability coverage only covers damages and injuries you cause others.
Full-coverage car insurance costs more than liability insurance does. We'll help break down who has the cheapest rates based on different demographics and traffic infractions.
This article will cover
The cheapest full-coverage car insurance companies
For most drivers, State Farm has the cheapest full-coverage rate for most drivers at $266 a month. American Family is close behind at $294 a month.
| Company | Monthly rate | |
|---|---|---|
 |
USAA | $228 |
 |
State Farm | $266 |
 |
American Family | $294 |
 |
Progressive | $378 |
 |
Allstate | $415 |
 |
GEICO | $418 |
 |
Farmers | $427 |
 |
Nationwide | $445 |
 |
Travelers | $660 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
These rates are calculated based on different factors, including:
- Make and model of your car
- Your age
- Your ZIP code
- Your insurance and driving records
- The insurance provider you choose
To get your best and cheapest rate on a full-coverage policy, compare car insurance quotes from several companies.
Full-coverage car insurance usually includes minimum-coverage car insurance as well as collision and comprehensive car insurance. Depending on what state you live in, it may also include uninsured motorist, underinsured motorist and/or personal injury protection coverage.
Cheapest full-coverage car insurance by state
Following is a table showing the average full-coverage car insurance rates in all 50 states. States have different rates due to various factors such as accident rates, extreme weather trends and uninsured driver rates.
| State | Cheapest Insurer | Average annual rate |
|---|---|---|
| Alabama | State Farm | $1,065 |
| Alaska | State Farm | $971 |
| Arizona | Progressive | $1,769 |
| Arkansas | State Farm | $1,117 |
| California | GEICO | $1,594 |
| Colorado | State Farm | $1,280 |
| Connecticut | State Farm | $1,491 |
| Delaware | State Farm | $1,513 |
| Florida | GEICO | $1,729 |
| Georgia | Georgia Farm Bureau | $1,409 |
| Hawaii | GEICO | $610 |
| Idaho | State Farm | $703 |
| Illinois | State Farm | $1,320 |
| Indiana | State Farm | $930 |
| Iowa | State Farm | $822 |
| Kansas | State Farm | $1,074 |
| Kentucky | Kentucky Farm Bureau | $2,097 |
| Louisiana | Louisiana Farm Bureau | $1,232 |
| Maine | State Farm | $762 |
| Maryland | Erie | $1,370 |
| Massachusetts | Safety | $1,266 |
| Michigan | Progressive | $2,428 |
| Minnesota | State Farm | $1,097 |
| Mississippi | Mississippi Farm Bureau | $1,402 |
| Missouri | State Farm | $1,105 |
| Montana | Progressive | $951 |
| Nebraska | American Family | $1,229 |
| Nevada | State Farm | $1,556 |
| New Hampshire | State Farm | $770 |
| New Jersey | State Farm | $2,010 |
| New Mexico | State Farm | $987 |
| New York | New York Central Mutual Fire | $2,539 |
| North Carolina | North Carolina Farm Bureau | $787 |
| North Dakota | American Family | $966 |
| Ohio | Erie | $926 |
| Oklahoma | Progressive | $1,559 |
| Oregon | State Farm | $1,144 |
| Pennsylvania | Erie | $1,437 |
| Rhode Island | Progressive | $3,492 |
| South Carolina | State Farm | $1,347 |
| South Dakota | State Farm | $952 |
| Tennessee | State Farm | $1,005 |
| Texas | State Farm | $2,463 |
| Utah | State Farm | $1,275 |
| Vermont | State Farm | $753 |
| Virginia | Virginia Farm Bureau | $898 |
| Washington | Progressive | $1,575 |
| Washington DC | Erie | $1,272 |
| West Virginia | State Farm | $949 |
| Wisconsin | American Family | $996 |
| Wyoming | State Farm | $992 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record | ||
Get cheap full-coverage car insurance near you
Cheapest full-coverage car insurance for young drivers
Most teen drivers find their cheapest average rate for full-coverage car insurance with State Farm at $474 a month. The next-cheapest rate available to teens is American Family at $565 a month. For comparison, the average rate for full-coverage insurance for teens is $737 a month.
| Company | Monthly rate |
|---|---|
| Allstate | $741 |
| American Family | $565 |
| Farmers | $823 |
| GEICO | $715 |
| Nationwide | $845 |
| Progressive | $796 |
| State Farm | $474 |
| Travelers | $1,320 |
| USAA | $358 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teens pay higher car insurance rates than other age demographics. This is largely because insurers see teens as being inexperienced behind the wheel, thus a higher accident risk. If you're a teen driver, one of the best ways to lower your rates is to get onto a parent's car insurance.
Cheapest full-coverage car insurance for seniors
If you're a senior driver looking for full-coverage car insurance, you're probably going to find your most-affordable rate with State Farm at $154 a month. American Family is the next-lowest at $167 a month. Seniors pay an average of $223 a month for full coverage.
| Company | Monthly rate |
|---|---|
| Allstate | $251 |
| American Family | $167 |
| Farmers | $252 |
| GEICO | $277 |
| Nationwide | $261 |
| Progressive | $197 |
| State Farm | $154 |
| Travelers | $305 |
| USAA | $148 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full coverage for drivers with prior incidents
If you're looking for full-coverage car insurance and have an accident, ticket or DUI on your record, you're probably going to pay higher rates. Such dings on your record tend to stay on for about five to seven years, during which time the increase will stay on your annual premium.
Whether you have an accident, ticket or DUI on your record, State Farm usually has the cheapest average rate for full-coverage car insurance. American Family has the next-lowest average rates, followed by Progressive.
| Company | Accident | Speeding | DUI |
|---|---|---|---|
| Average | $417 | $370 | $465 |
| Allstate | $469 | $381 | $478 |
| American Family | $345 | $267 | $338 |
| Farmers | $461 | $433 | $471 |
| GEICO | $438 | $352 | $579 |
| Nationwide | $434 | $422 | $565 |
| Progressive | $431 | $382 | $374 |
| State Farm | $275 | $247 | $313 |
| Travelers | $665 | $645 | $764 |
| USAA | $236 | $201 | $300 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Compare full-coverage auto insurance quotes from top companies
Liability vs. full-coverage auto insurance
The key difference between liability car insurance, also known as "minimum-coverage car insurance," and full coverage is your own damages after an accident. With liability car insurance, only the injuries and repairs of others are covered under your policy. With full-coverage car insurance, you can get reimbursed for your own medical and repair bills that arise after an accident you cause.
Another key difference between the two insurance types is that full coverage also covers theft or vandalism of your vehicle.
Full-coverage insurance FAQs
Full-coverage car insurance costs an average of $369 a month. Your final rate will be based on factors such as your driving record, ZIP code and type of car you have. Other key factors that will affect your rate are the amount of coverage you purchase and your deductible.
USAA has the cheapest average rates for full-coverage car insurance, however they only sell insurance to military members and their families. If you're a civilian looking for full coverage, State Farm has your cheapest rates, followed by American Family.
Full-coverage car insurance does not cover damage due to normal wear and tear. Other exclusions include:
- Unapproved add-ons
- Police seizure
- Intentional damage
When buying a policy, make sure you're aware of its coverage exclusions.
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services, using the following car insurance companies:
- Allstate
- American Family
- Farmers
- GEICO
- Nationwide
- Progressive
- State Farm
- Travelers
- USAA
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average of 13,500 miles per year.
When discussing full-coverage car insurance, we used the following limits:
- Bodily injury liability per person: $100,000
- Bodily injury liability per accident: $300,000
- Property damage liability: $100,000
- Deductible: $500
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