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.

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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.

Cheapest full coverage by company
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.

Cheapest full-coverage car insurance by state
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.

Cheapest full-coverage car insurance for teens
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.

Cheapest full-coverage car insurance for seniors
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.

Cheapest average full-coverage rates after an infraction
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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