Table of contents
- Which companies have the cheapest full coverage car insurance rates?
- Cheapest full coverage car insurance companies by state
- Cheapest full coverage car insurance after a violation
- Cheapest full coverage car insurance rates by city
- Cheap full coverage insurance for drivers with poor credit
- How to find the cheapest full coverage insurance in 2025
- Is the cheapest car insurance a good choice?
- Methodology
- Frequently asked questions: Full coverage auto insurance
Which companies have the cheapest full coverage car insurance rates?
Of the major national carriers, Nationwide has the cheapest full coverage car insurance rates. The average annual rate for a full coverage policy with Nationwide is $1,548. If you qualify for USAA, which caters to military members and veterans, you can get cheaper full coverage insurance; the average with USAA is $1,381.
These rates are based on coverage of 100/300/100 for liability and $500 comprehensive and collision deductibles. Your coverage levels will affect what you pay. So will where you live, your driving record, the car you drive and other factors.
Take a look at the average cost of full coverage car insurance from each major car insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. below.
| Company | Average annual premium | Average 6-month premium |
|---|---|---|
| Nationwide | $1,548 | $774 |
| Travelers | $1,606 | $803 |
| Geico | $1,763 | $881 |
| State Farm | $1,984 | $992 |
| Progressive | $1,998 | $999 |
| Farmers | $2,387 | $1,193 |
| Allstate | $2,509 | $1,255 |
| USAA* | $1,381 | $691 |
*USAA is only available to military members, veterans and their families
Cheapest full coverage car insurance companies by state
The cost of full coverage car insurance varies a lot from state to state.
Louisiana has the highest auto insurance rates in the country. On average, you'll pay around $2,883 for full coverage.
New Hampshire, right next to Maine, has one of the lowest insurance rates in the nation, with rates averaging $1,265 a year. The difference can be attributed in large part to Michigan’s no-fault car insurance laws. Despite recent changes to the law, rates remain high in the state.
A sparsely populated state, Kansas is near the middle of the pack for full coverage car insurance rates. The average cost of full coverage car insurance is $1,900 a year.
New York also lands in the middle. You'll pay a full coverage annual average rate of $1,870 a year, which makes cheap full coverage car insurance in New York easier to find than in some other states.
Maine has the cheapest full coverage auto insurance rates at an average of $1,175 a year.
Cheapest full coverage car insurance after a violation
Your driving record will impact how much you pay for car insurance; a DUI, at-fault accident or speeding ticket will all increase the price of a full coverage policy. If you have marks on your record, it increases the odds that you'll file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. and cost the insurance company, so they charge you more.
Take a look at average car insurance rates in your state for a DUI, speeding ticket or at-fault accident below.
| State | Company | Annual premium for an at-fault accident | Average annual premium for a speeding ticket | Average annual premium with a DUI |
|---|---|---|---|---|
| Alaska | Allstate | $3,075 | $2,494 | $2,931 |
| Alaska | Geico | $2,136 | $2,457 | $2,484 |
| Alaska | Progressive | $3,375 | $2,587 | $2,266 |
| Alaska | State Farm | $1,967 | $1,820 | $1,820 |
| Alaska | USAA | $1,760 | $1,513 | $2,190 |
| Alabama | Allstate | $3,380 | $2,414 | $2,899 |
| Alabama | Auto-Owners | $2,696 | $2,726 | $3,981 |
| Alabama | Farmers | $4,269 | $4,029 | $5,293 |
| Alabama | Geico | $2,845 | $3,005 | $3,497 |
| Alabama | Nationwide | $2,235 | $2,074 | $2,825 |
| Alabama | Progressive | $3,944 | $3,065 | $2,880 |
| Alabama | State Farm | $2,151 | $1,935 | $1,935 |
| Alabama | Travelers | $2,025 | $2,001 | $2,165 |
| Alabama | USAA | $2,210 | $1,685 | $3,094 |
| Arkansas | Allstate | $3,984 | $3,150 | $3,588 |
| Arkansas | Farmers | $3,568 | $3,941 | $5,063 |
| Arkansas | Geico | $3,059 | $2,911 | $3,264 |
| Arkansas | Nationwide | $2,583 | $2,433 | $3,333 |
| Arkansas | Progressive | $3,762 | $3,155 | $2,686 |
| Arkansas | State Farm | $2,361 | $2,194 | $2,194 |
| Arkansas | Travelers | $2,057 | $2,225 | $2,195 |
| Arkansas | USAA | $1,600 | $1,298 | $2,114 |
| Arizona | Allstate | $3,142 | $3,335 | $3,648 |
| Arizona | Auto-Owners | $2,142 | $2,744 | $2,744 |
| Arizona | Farmers | $3,721 | $3,003 | $4,380 |
| Arizona | Geico | $2,029 | $2,400 | $2,787 |
| Arizona | Nationwide | $2,462 | $2,567 | $3,553 |
| Arizona | Progressive | $3,112 | $2,658 | $2,321 |
| Arizona | State Farm | $2,564 | $2,375 | $2,375 |
| Arizona | Travelers | $2,119 | $2,183 | $2,279 |
| Arizona | USAA | $2,434 | $2,045 | $3,770 |
| California | Allstate | $6,273 | $3,807 | $10,475 |
| California | Auto Club Enterprises (AAA) | $4,005 | $3,552 | $7,730 |
| California | CSAA Insurance (AAA) | $3,961 | $3,298 | $9,392 |
| California | Farmers | $4,892 | $4,224 | $12,024 |
| California | Geico | $3,876 | $2,994 | $4,826 |
| California | Mercury Insurance | $3,562 | $2,893 | $3,617 |
| California | Nationwide | $5,301 | $5,240 | $8,023 |
| California | Progressive | $3,600 | $3,368 | $5,283 |
| California | State Farm | $4,544 | $4,071 | $9,500 |
| California | Travelers | $4,262 | $3,699 | $5,249 |
| California | USAA | $3,008 | $2,229 | $5,691 |
| Colorado | Allstate | $3,952 | $3,000 | $3,465 |
| Colorado | Auto-Owners | $3,987 | $3,278 | $4,658 |
| Colorado | Farmers | $5,500 | $6,051 | $6,994 |
| Colorado | Geico | $2,528 | $2,467 | $2,835 |
| Colorado | Kemper | $2,579 | $2,531 | $4,173 |
| Colorado | Progressive | $4,436 | $3,704 | $3,439 |
| Colorado | State Farm | $2,223 | $2,081 | $2,081 |
| Colorado | USAA | $2,267 | $1,942 | $3,265 |
| Connecticut | Allstate | $3,920 | N/A | $3,142 |
| Connecticut | Amica | $3,633 | $4,364 | $9,791 |
| Connecticut | Farmers | $4,955 | $2,938 | $5,522 |
| Connecticut | Geico | $1,746 | $1,410 | $4,178 |
| Connecticut | Kemper | $2,632 | $2,452 | $2,491 |
| Connecticut | Nationwide | $2,993 | $3,760 | $3,760 |
| Connecticut | Progressive | $2,664 | $2,134 | $1,971 |
| Connecticut | State Farm | $1,858 | $1,858 | $1,858 |
| Connecticut | USAA | $905 | $697 | $1,223 |
| Washington, D.C. | Allstate | $5,117 | $4,353 | $4,778 |
| Washington, D.C. | Chubb | $3,945 | $3,181 | $6,388 |
| Washington, D.C. | Erie Insurance | $2,024 | $1,658 | $2,392 |
| Washington, D.C. | Geico | $2,864 | $2,891 | $3,409 |
| Washington, D.C. | Progressive | $2,455 | $1,900 | $1,701 |
| Washington, D.C. | State Farm | $2,828 | $2,608 | $2,608 |
| Washington, D.C. | USAA | $1,849 | $1,522 | $2,217 |
| Delaware | Allstate | $6,041 | $4,045 | $4,846 |
| Delaware | American Family | $3,631 | $2,952 | $7,223 |
| Delaware | Geico | $3,856 | $2,804 | $3,934 |
| Delaware | Nationwide | $2,263 | $2,212 | $2,914 |
| Delaware | Progressive | $2,921 | $2,648 | $2,700 |
| Delaware | Sentry Insurance | $6,847 | $6,335 | $5,318 |
| Delaware | State Farm | $2,548 | $2,350 | $2,350 |
| Delaware | Travelers | $1,657 | $2,339 | $2,680 |
| Delaware | USAA | N/A | $1,887 | $2,665 |
| Florida | Allstate | $6,295 | N/A | $4,671 |
| Florida | Farmers | $5,124 | $5,540 | $8,529 |
| Florida | Geico | $3,179 | $3,848 | $3,978 |
| Florida | Mercury Insurance | $5,710 | $4,343 | $4,962 |
| Florida | National General | $4,004 | $3,656 | $3,259 |
| Florida | Nationwide | $3,030 | $3,304 | $4,575 |
| Florida | Progressive | $4,247 | $3,758 | $3,239 |
| Florida | State Farm | $2,449 | $2,277 | $2,277 |
| Florida | Travelers | $3,266 | $3,416 | $3,592 |
| Georgia | Allstate | $3,020 | $2,275 | $2,696 |
| Georgia | Auto-Owners | $2,200 | $1,976 | $2,927 |
| Georgia | Country Financial | $2,408 | $2,460 | $2,772 |
| Georgia | Geico | $3,466 | $3,077 | $6,016 |
| Georgia | Mercury Insurance | $4,580 | $3,391 | $3,219 |
| Georgia | Progressive | $3,028 | $2,228 | $2,597 |
| Georgia | State Farm | $2,713 | $2,507 | $2,507 |
| Georgia | USAA | $2,390 | $1,941 | $3,211 |
| Hawaii | Allstate | $2,871 | $2,625 | $4,771 |
| Hawaii | Farmers | $2,429 | $1,809 | $2,588 |
| Hawaii | Geico | $1,728 | N/A | $8,264 |
| Hawaii | Island Insurance | $2,362 | $9,307 | $15,070 |
| Hawaii | Progressive | $1,842 | $1,685 | $2,050 |
| Hawaii | State Farm | $2,308 | $2,123 | $2,123 |
| Hawaii | USAA | $1,309 | $1,116 | $2,145 |
| Iowa | Allstate | $3,121 | $2,335 | $2,793 |
| Iowa | Auto-Owners | $1,931 | $2,252 | $3,548 |
| Iowa | Geico | $3,021 | $2,688 | $3,087 |
| Iowa | Progressive | $2,303 | $1,998 | $1,677 |
| Iowa | State Farm | $1,482 | $1,394 | $1,394 |
| Iowa | Travelers | $1,753 | $1,811 | $1,889 |
| Iowa | USAA | $1,727 | $1,451 | $1,922 |
| Idaho | Allstate | $3,096 | $2,245 | $2,598 |
| Idaho | Auto-Owners | $1,360 | $1,376 | $2,077 |
| Idaho | Farmers | $2,787 | $2,054 | $2,197 |
| Idaho | Geico | $1,925 | $1,300 | $3,595 |
| Idaho | Nationwide | $2,616 | $2,490 | $3,341 |
| Idaho | State Farm | $1,304 | $1,205 | $1,205 |
| Idaho | Travelers | $1,640 | $1,684 | $1,757 |
| Idaho | USAA | $1,088 | $939 | $1,557 |
| Illinois | Allstate | $5,071 | $3,630 | $4,343 |
| Illinois | Auto Club Group - ACG (AAA) | $1,258 | $1,222 | $2,089 |
| Illinois | Auto-Owners | $1,825 | $2,292 | $2,737 |
| Illinois | Erie Insurance | $2,015 | $1,648 | $2,382 |
| Illinois | Geico | $2,039 | $2,118 | $2,657 |
| Illinois | Progressive | $2,240 | $1,982 | $1,730 |
| Illinois | State Farm | $1,881 | $1,742 | $1,742 |
| Illinois | Travelers | $1,626 | $1,606 | $1,758 |
| Illinois | USAA | $2,662 | $2,227 | $3,727 |
| Indiana | Allstate | $3,725 | $2,967 | $2,976 |
| Indiana | Auto-Owners | $1,517 | $1,951 | $2,872 |
| Indiana | Farmers | $3,655 | $2,968 | $3,964 |
| Indiana | Geico | $2,281 | $2,296 | $2,385 |
| Indiana | Nationwide | $2,149 | $2,079 | $2,770 |
| Indiana | Progressive | $2,912 | $2,302 | $1,831 |
| Indiana | State Farm | $1,955 | $1,746 | $2,007 |
| Indiana | Travelers | $1,811 | $1,862 | $1,944 |
| Indiana | USAA | $1,190 | $989 | $1,232 |
| Kansas | Allstate | $4,488 | $3,288 | $3,875 |
| Kansas | Farmers | $3,770 | $2,444 | $3,451 |
| Kansas | Geico | $2,806 | $1,890 | $5,251 |
| Kansas | Nationwide | $2,159 | $1,617 | $2,808 |
| Kansas | Progressive | $2,843 | $2,409 | $2,096 |
| Kansas | State Farm | $2,200 | $2,071 | $2,071 |
| Kansas | Travelers | $2,229 | $2,146 | $2,404 |
| Kansas | USAA | $1,672 | $1,410 | $2,734 |
| Kentucky | Allstate | $5,786 | $3,679 | $4,118 |
| Kentucky | Auto-Owners | $2,629 | $2,581 | $4,434 |
| Kentucky | Farmers | $6,913 | $6,428 | $9,036 |
| Kentucky | Geico | $3,525 | $3,478 | $5,221 |
| Kentucky | Kentucky Farm Bureau | $2,816 | $4,893 | $4,893 |
| Kentucky | Progressive | $4,173 | $3,530 | $3,634 |
| Kentucky | State Farm | $3,131 | $2,925 | $2,925 |
| Kentucky | Travelers | $2,633 | $2,729 | $2,856 |
| Kentucky | USAA | $2,871 | $2,311 | $2,972 |
| Louisiana | Auto Club Enterprises (AAA) | $5,059 | $4,553 | $4,719 |
| Louisiana | Farmers | $4,973 | $5,076 | $7,269 |
| Louisiana | Geico | $6,043 | $5,637 | $6,385 |
| Louisiana | Progressive | $5,148 | $3,982 | $3,439 |
| Louisiana | Safeway Insurance | $3,932 | $3,244 | $4,208 |
| Louisiana | Southern Farm Bureau | $2,648 | $2,353 | $2,684 |
| Louisiana | State Farm | $4,050 | $3,794 | $3,794 |
| Louisiana | USAA | $2,974 | $2,533 | $3,178 |
| Massachusetts | Allstate | $4,440 | N/A | $5,580 |
| Massachusetts | Arbella Insurance | $1,936 | N/A | $2,866 |
| Massachusetts | Farmers | $3,760 | $2,454 | $4,110 |
| Massachusetts | Geico | $1,890 | $1,419 | $2,175 |
| Massachusetts | Progressive | $3,072 | $2,699 | $2,455 |
| Massachusetts | Safety Insurance | $2,604 | $1,889 | $3,347 |
| Massachusetts | State Farm | $1,037 | $784 | $1,256 |
| Massachusetts | Travelers | $3,547 | $3,285 | $3,444 |
| Massachusetts | USAA | $2,095 | $1,675 | $3,541 |
| Maryland | Allstate | $5,036 | $4,197 | $4,059 |
| Maryland | Erie Insurance | $2,379 | $1,938 | $1,938 |
| Maryland | Geico | $1,908 | $1,567 | $1,546 |
| Maryland | Kemper | $3,364 | $2,591 | $4,356 |
| Maryland | Nationwide | $2,394 | $1,971 | $3,258 |
| Maryland | Progressive | $2,787 | $2,246 | $2,513 |
| Maryland | State Farm | $2,634 | $2,335 | $2,335 |
| Maryland | Travelers | $2,244 | $2,327 | $2,441 |
| Maryland | USAA | $1,743 | $1,246 | $2,785 |
| Maine | Allstate | $1,634 | $1,280 | $1,572 |
| Maine | Auto-Owners | $1,051 | $812 | $1,179 |
| Maine | Farmers | $2,625 | $2,399 | $2,627 |
| Maine | Frankenmuth Insurance | $1,881 | $1,889 | $6,697 |
| Maine | Geico | $1,974 | $1,876 | $3,185 |
| Maine | Progressive | $1,830 | $1,462 | $1,269 |
| Maine | State Farm | $1,473 | $1,359 | $1,359 |
| Maine | Travelers | $1,276 | $1,306 | $1,364 |
| Maine | USAA | $1,256 | $935 | $1,679 |
| Michigan | Auto Club Group - ACG (AAA) | $3,708 | $4,918 | $6,475 |
| Michigan | Auto-Owners | $2,425 | $2,904 | $4,672 |
| Michigan | Geico | $4,110 | $2,884 | $10,831 |
| Michigan | Progressive | $2,859 | $2,548 | $2,412 |
| Michigan | State Farm | $4,376 | $5,619 | $9,123 |
| Michigan | Travelers | $4,328 | $3,490 | $7,138 |
| Michigan | USAA | $2,207 | $2,077 | $2,722 |
| Minnesota | Allstate | $4,039 | $3,311 | $4,030 |
| Minnesota | Auto Club Group - ACG (AAA) | $3,245 | $3,038 | $7,860 |
| Minnesota | Auto-Owners | $2,145 | $2,168 | $3,179 |
| Minnesota | Geico | $4,222 | $3,735 | $7,790 |
| Minnesota | Nationwide | $1,952 | $1,832 | $2,316 |
| Minnesota | State Farm | $1,791 | $1,658 | $1,658 |
| Minnesota | Travelers | $2,318 | $2,409 | $2,747 |
| Minnesota | USAA | $2,016 | $1,701 | $2,566 |
| Missouri | Allstate | $4,034 | $3,249 | $3,734 |
| Missouri | Auto Club Enterprises (AAA) | $3,674 | $3,476 | $3,613 |
| Missouri | Geico | $6,474 | $3,791 | $5,866 |
| Missouri | Nationwide | $2,189 | $2,076 | $2,817 |
| Missouri | Progressive | $2,644 | $2,287 | $2,162 |
| Missouri | State Farm | $2,412 | $2,242 | $2,242 |
| Missouri | Travelers | $1,993 | $2,046 | $2,135 |
| Missouri | USAA | $1,519 | $1,304 | $1,935 |
| Mississippi | Allstate | $3,687 | $2,785 | $3,438 |
| Mississippi | Geico | $3,720 | $2,867 | $6,882 |
| Mississippi | Nationwide | $2,087 | $2,034 | $2,716 |
| Mississippi | Progressive | $3,512 | $2,942 | $2,682 |
| Mississippi | Shelter Insurance | $5,012 | $3,007 | $5,648 |
| Mississippi | State Farm | $2,124 | $1,928 | $1,928 |
| Mississippi | Travelers | $2,294 | $2,375 | $2,476 |
| Mississippi | USAA | $2,008 | $1,713 | $2,565 |
| Montana | Allstate | $4,376 | $3,289 | $3,987 |
| Montana | Farmers | $4,064 | $4,910 | $5,390 |
| Montana | Geico | $3,500 | $2,638 | $6,497 |
| Montana | Kemper | $3,947 | $3,239 | $2,823 |
| Montana | Progressive | $3,658 | $3,128 | $2,718 |
| Montana | State Farm | $2,074 | $1,960 | $1,960 |
| Montana | USAA | $1,240 | $1,207 | $1,793 |
| North Carolina | Allstate | $5,812 | $4,562 | $12,405 |
| North Carolina | Erie Insurance | $1,731 | $1,682 | $4,528 |
| North Carolina | Farmers | $2,939 | $2,856 | $7,658 |
| North Carolina | Geico | $3,583 | $2,538 | $7,300 |
| North Carolina | Nationwide | $2,906 | $2,114 | $5,631 |
| North Carolina | North Carolina Farm Bureau | $1,781 | $1,730 | $7,262 |
| North Carolina | Progressive | $2,917 | $2,836 | $7,523 |
| North Carolina | State Farm | $1,692 | $1,643 | $4,385 |
| North Dakota | Allstate | $3,154 | $2,619 | $4,208 |
| North Dakota | American Family | N/A | $1,417 | $1,417 |
| North Dakota | Auto-Owners | $2,083 | $2,102 | $2,921 |
| North Dakota | Farmers | $3,253 | $2,722 | $4,226 |
| North Dakota | Geico | $3,028 | $1,871 | $4,898 |
| North Dakota | Nationwide | $1,827 | $1,735 | $2,374 |
| North Dakota | Progressive | $2,059 | $1,694 | $1,520 |
| North Dakota | State Farm | $1,956 | $1,837 | $1,837 |
| North Dakota | USAA | $1,187 | $987 | $1,969 |
| Nebraska | Allstate | $3,672 | $2,868 | $3,376 |
| Nebraska | Auto-Owners | $1,801 | $1,867 | $2,347 |
| Nebraska | Geico | $4,934 | $2,556 | $7,960 |
| Nebraska | Nationwide | $2,110 | $1,494 | $2,509 |
| Nebraska | Progressive | $3,397 | $2,814 | $2,368 |
| Nebraska | State Farm | $2,701 | $2,523 | $2,523 |
| Nebraska | USAA | $1,973 | $1,656 | $2,755 |
| New Hampshire | Allstate | $3,104 | $2,443 | $2,683 |
| New Hampshire | Auto-Owners | $1,155 | $921 | $1,401 |
| New Hampshire | Farmers | $3,401 | $2,584 | $3,047 |
| New Hampshire | Geico | $2,391 | $2,404 | $2,820 |
| New Hampshire | Nationwide | $1,934 | $1,910 | $2,605 |
| New Hampshire | Progressive | $2,147 | $1,773 | $1,535 |
| New Hampshire | State Farm | $1,272 | N/A | $1,514 |
| New Hampshire | The Hanover | $1,604 | N/A | $1,485 |
| New Hampshire | USAA | $1,255 | $984 | $1,384 |
| New Jersey | Allstate | $5,167 | $3,263 | $3,438 |
| New Jersey | Farmers | $4,985 | $3,864 | $4,400 |
| New Jersey | Geico | $2,197 | N/A | $3,171 |
| New Jersey | NJM | $1,430 | $1,732 | $1,732 |
| New Jersey | Plymouth Rock Assurance | $2,573 | $2,201 | $2,141 |
| New Jersey | Progressive | $3,729 | $2,960 | $2,654 |
| New Jersey | State Farm | $3,586 | $4,395 | $8,622 |
| New Jersey | Travelers | $2,893 | $2,488 | $2,739 |
| New Mexico | Allstate | $4,375 | $3,169 | $3,923 |
| New Mexico | Farmers | $4,173 | $3,992 | $5,021 |
| New Mexico | Geico | $2,551 | $2,596 | $2,997 |
| New Mexico | Iowa Farm Bureau | $3,775 | $3,204 | $4,747 |
| New Mexico | Kemper | $4,051 | $3,854 | $4,029 |
| New Mexico | Nationwide | $3,005 | $2,522 | $4,027 |
| New Mexico | Progressive | $2,288 | $2,047 | $1,843 |
| New Mexico | State Farm | $1,919 | $1,788 | $1,788 |
| New Mexico | USAA | $1,600 | $1,320 | $2,093 |
| Nevada | Allstate | $3,578 | $2,907 | $3,547 |
| Nevada | American Family | $4,060 | $3,108 | $4,023 |
| Nevada | CSAA Insurance (AAA) | $6,121 | $4,781 | $5,110 |
| Nevada | Farmers | $3,644 | $3,022 | $4,552 |
| Nevada | Geico | $3,495 | $4,041 | $4,189 |
| Nevada | Mercury Insurance | $4,003 | $3,032 | $3,821 |
| Nevada | Progressive | $3,747 | $3,185 | $3,479 |
| Nevada | State Farm | $1,663 | $1,542 | $1,542 |
| Nevada | Travelers | $2,802 | $2,924 | $3,070 |
| Nevada | USAA | $2,333 | $1,962 | $3,351 |
| New York | Allstate | $2,742 | $2,529 | $2,889 |
| New York | Erie Insurance | $2,808 | $2,292 | $2,980 |
| New York | Geico | $2,420 | $2,420 | $4,767 |
| New York | Progressive | $1,611 | $1,161 | $1,066 |
| New York | State Farm | $2,266 | $2,140 | $2,140 |
| New York | Travelers | $3,247 | $3,158 | $3,240 |
| New York | USAA | $1,861 | $1,738 | $2,237 |
| Ohio | Allstate | $3,075 | $2,407 | $2,661 |
| Ohio | Auto-Owners | $1,607 | $1,465 | $2,221 |
| Ohio | Erie Insurance | $1,394 | $1,230 | $1,813 |
| Ohio | Farmers | $3,411 | $2,910 | $3,644 |
| Ohio | Geico | $2,797 | $2,818 | $3,327 |
| Ohio | Progressive | $2,844 | $2,392 | $2,032 |
| Ohio | Travelers | $1,988 | $2,037 | $2,127 |
| Ohio | USAA | $1,519 | $1,254 | $1,498 |
| Oklahoma | Allstate | $3,675 | $2,974 | $3,479 |
| Oklahoma | Farmers | $4,310 | $3,443 | $4,950 |
| Oklahoma | Geico | $3,457 | $3,209 | $3,464 |
| Oklahoma | Mercury Insurance | $4,201 | $3,337 | $3,103 |
| Oklahoma | Oklahoma Farm Bureau | $3,597 | $3,861 | $5,180 |
| Oklahoma | Progressive | $1,948 | $1,557 | $1,338 |
| Oklahoma | Shelter Insurance | $2,719 | $2,503 | $3,117 |
| Oklahoma | State Farm | $2,090 | $1,959 | $1,959 |
| Oklahoma | USAA | $2,199 | $1,785 | $2,664 |
| Oregon | Allstate | $4,891 | $3,509 | $3,956 |
| Oregon | Farmers | $3,962 | $2,812 | $3,787 |
| Oregon | Geico | $3,229 | $3,304 | $3,766 |
| Oregon | Nationwide | $1,846 | $2,263 | $3,071 |
| Oregon | Progressive | $2,978 | $2,331 | $2,131 |
| Oregon | State Farm | $1,883 | $1,608 | $1,608 |
| Oregon | Travelers | $1,907 | $1,974 | $2,071 |
| Oregon | USAA | $1,999 | $1,642 | $2,135 |
| Pennsylvania | Allstate | $3,512 | N/A | N/A |
| Pennsylvania | Erie Insurance | $1,988 | $1,733 | $2,498 |
| Pennsylvania | Geico | $3,709 | $3,542 | $3,853 |
| Pennsylvania | Nationwide | $1,959 | $2,159 | $3,009 |
| Pennsylvania | Progressive | $3,379 | N/A | $2,644 |
| Pennsylvania | State Farm | $2,792 | $2,646 | $2,646 |
| Pennsylvania | Travelers | $1,242 | $1,160 | $1,347 |
| Pennsylvania | USAA | $2,662 | $2,023 | $2,426 |
| Rhode Island | Allstate | $4,720 | $3,691 | $4,476 |
| Rhode Island | American Family | $3,073 | $2,697 | $2,809 |
| Rhode Island | Amica | $3,781 | $4,612 | $9,039 |
| Rhode Island | Farmers | $4,401 | $4,519 | $5,706 |
| Rhode Island | Geico | $2,813 | $3,848 | $7,839 |
| Rhode Island | Nationwide | $2,891 | $2,752 | $3,678 |
| Rhode Island | Progressive | $1,927 | $2,533 | $2,278 |
| Rhode Island | State Farm | $1,705 | N/A | N/A |
| Rhode Island | Travelers | $2,655 | $2,878 | $3,182 |
| Rhode Island | USAA | N/A | $1,307 | $2,101 |
| South Carolina | Allstate | $3,827 | $3,030 | $3,194 |
| South Carolina | Auto-Owners | $1,974 | $2,064 | $2,919 |
| South Carolina | Geico | $2,981 | N/A | $4,943 |
| South Carolina | Progressive | $3,115 | $2,442 | $2,248 |
| South Carolina | State Farm | $2,505 | $2,265 | $2,265 |
| South Carolina | Travelers | $2,658 | $2,754 | $2,875 |
| South Carolina | USAA | $2,176 | $1,788 | $2,692 |
| South Dakota | Allstate | $3,024 | $2,240 | $3,434 |
| South Dakota | Auto-Owners | $3,518 | $3,540 | $4,471 |
| South Dakota | Farmers | $3,040 | $2,853 | $2,925 |
| South Dakota | Geico | $3,950 | $2,640 | $7,439 |
| South Dakota | Nationwide | $2,554 | $2,486 | $3,358 |
| South Dakota | Progressive | $3,906 | $3,639 | $3,286 |
| South Dakota | State Farm | $2,273 | $2,179 | $2,179 |
| South Dakota | USAA | $2,641 | $2,293 | $3,803 |
| Tennessee | Allstate | $4,804 | $3,405 | $4,172 |
| Tennessee | Erie Insurance | $2,123 | $1,728 | $2,519 |
| Tennessee | Farmers | $2,924 | $2,892 | $3,730 |
| Tennessee | Geico | $2,994 | $2,869 | $2,921 |
| Tennessee | Nationwide | $2,674 | $2,438 | $3,364 |
| Tennessee | Progressive | $2,457 | $1,888 | $1,915 |
| Tennessee | State Farm | $1,969 | $1,823 | $1,823 |
| Tennessee | Travelers | $2,070 | $2,129 | $2,218 |
| Tennessee | USAA | $1,808 | $1,425 | $2,309 |
| Texas | Allstate | $4,638 | N/A | $4,610 |
| Texas | Auto Club Enterprises (AAA) | $3,237 | $2,938 | $3,273 |
| Texas | Farmers | $8,130 | $5,854 | $6,829 |
| Texas | Geico | $2,565 | $2,559 | $2,854 |
| Texas | Nationwide | $2,576 | $1,832 | $3,332 |
| Texas | Progressive | $4,743 | $4,104 | $3,566 |
| Texas | State Farm | $2,269 | N/A | $3,053 |
| Texas | USAA | $2,889 | $2,053 | $2,737 |
| Utah | Allstate | $3,225 | $2,527 | $3,068 |
| Utah | Auto-Owners | $2,452 | $1,793 | $3,681 |
| Utah | Farmers | $4,863 | $3,638 | $5,259 |
| Utah | Geico | $2,605 | $2,588 | $2,745 |
| Utah | Nationwide | $1,983 | $1,370 | $2,547 |
| Utah | Progressive | $2,838 | $2,380 | $2,098 |
| Utah | State Farm | $2,522 | $2,319 | $2,319 |
| Utah | USAA | $1,909 | $1,592 | $2,380 |
| Virginia | Allstate | $4,131 | $2,627 | $2,985 |
| Virginia | Auto-Owners | N/A | $2,277 | $2,277 |
| Virginia | Erie Insurance | $1,777 | $1,450 | $2,104 |
| Virginia | Geico | $2,295 | $2,564 | $3,001 |
| Virginia | Progressive | $3,294 | $2,804 | $2,695 |
| Virginia | State Farm | $1,719 | $1,590 | $1,590 |
| Virginia | Travelers | $1,713 | $1,769 | $1,838 |
| Virginia | USAA | $1,793 | $1,449 | $2,260 |
| Vermont | Allstate | $2,419 | $2,006 | $2,373 |
| Vermont | Auto-Owners | $1,497 | $1,136 | $1,662 |
| Vermont | Farmers | $3,184 | $3,145 | $4,413 |
| Vermont | Geico | $2,103 | $1,413 | $3,504 |
| Vermont | Nationwide | $1,385 | $1,354 | $1,783 |
| Vermont | Progressive | $1,569 | $1,222 | $1,052 |
| Vermont | State Farm | $1,302 | $1,207 | $1,207 |
| Vermont | USAA | $1,173 | $921 | $1,640 |
| Vermont | Vermont Mutual | $1,871 | $1,871 | $5,155 |
| Washington | Allstate | $2,481 | $1,925 | $2,284 |
| Washington | American Family | $2,578 | $2,164 | $2,164 |
| Washington | Farmers | $2,962 | $1,882 | $3,023 |
| Washington | Geico | $1,954 | $1,958 | $2,038 |
| Washington | Nationwide | $2,799 | $2,836 | $3,558 |
| Washington | Progressive | $4,598 | $3,375 | $3,165 |
| Washington | State Farm | $2,100 | $1,947 | $1,947 |
| Washington | Travelers | $2,110 | $2,185 | $2,288 |
| Washington | USAA | $1,206 | $1,002 | $1,766 |
| Wisconsin | Allstate | $4,079 | $2,896 | $3,202 |
| Wisconsin | Erie Insurance | $1,771 | $1,450 | $2,091 |
| Wisconsin | Farmers | $3,310 | $3,276 | $4,509 |
| Wisconsin | Geico | $2,397 | $2,342 | $3,016 |
| Wisconsin | Nationwide | $2,299 | $2,236 | $2,989 |
| Wisconsin | Progressive | $3,723 | $2,823 | $2,392 |
| Wisconsin | State Farm | $2,787 | $2,582 | $2,582 |
| Wisconsin | Travelers | $1,599 | $1,649 | $1,723 |
| Wisconsin | USAA | $1,433 | $1,152 | $1,816 |
| West Virginia | Allstate | $4,392 | $3,477 | $4,186 |
| West Virginia | Erie Insurance | $2,014 | $1,876 | $2,552 |
| West Virginia | Farmers | $3,615 | $4,149 | $5,560 |
| West Virginia | Geico | $5,105 | $5,093 | $5,259 |
| West Virginia | Nationwide | $1,871 | $1,800 | $2,312 |
| West Virginia | Progressive | $2,829 | $2,321 | $2,429 |
| West Virginia | State Farm | $1,927 | $1,796 | $1,796 |
| West Virginia | USAA | $1,744 | $1,372 | $2,160 |
| West Virginia | Westfield Insurance | $3,095 | N/A | $5,063 |
| Wyoming | Allstate | $3,869 | $3,229 | $3,494 |
| Wyoming | American National | $1,383 | $1,193 | $1,565 |
| Wyoming | Farmers | $2,285 | $2,288 | $3,620 |
| Wyoming | Geico | $3,777 | $4,992 | $6,450 |
| Wyoming | State Farm | $1,765 | $1,643 | $1,643 |
| Wyoming | USAA | $1,556 | $1,395 | $2,229 |
Cheapest full coverage car insurance rates by city
Your state impacts how much you pay for car insurance, but so does the city you live in. We gathered average full coverage rates for major cities in each state; find your state in the list below.
| State | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| Alaska | Anchorage | $1,950 | $162 |
| Alaska | Fairbanks | $1,819 | $152 |
| Alaska | Juneau | $1,405 | $117 |
| Alaska | Wasilla | $1,797 | $150 |
| Alaska | Sitka | $1,411 | $118 |
| Alaska | Ketchikan | $1,386 | $116 |
| Alaska | Kenai | $1,612 | $134 |
| Alaska | Bethel | $1,684 | $140 |
| Alaska | Palmer | $1,897 | $158 |
| Alaska | Homer | $1,627 | $136 |
| Alabama | Huntsville | $1,754 | $146 |
| Alabama | Montgomery | $1,926 | $161 |
| Alabama | Birmingham | $2,040 | $170 |
| Alabama | Mobile | $2,009 | $167 |
| Alabama | Tuscaloosa | $1,854 | $154 |
| Alabama | Hoover | $1,886 | $157 |
| Alabama | Auburn | $1,754 | $146 |
| Alabama | Dothan | $1,670 | $139 |
| Alabama | Madison | $1,719 | $143 |
| Alabama | Decatur | $1,700 | $142 |
| Arkansas | Little Rock | $2,064 | $172 |
| Arkansas | Fayetteville | $1,875 | $156 |
| Arkansas | Fort Smith | $1,875 | $156 |
| Arkansas | Springdale | $1,860 | $155 |
| Arkansas | Jonesboro | $1,878 | $157 |
| Arkansas | Rogers | $1,804 | $150 |
| Arkansas | Conway | $1,908 | $159 |
| Arkansas | North Little Rock | $1,964 | $164 |
| Arkansas | Bentonville | $1,794 | $149 |
| Arkansas | Pine Bluff | $2,084 | $174 |
| Arizona | Phoenix | $2,251 | $188 |
| Arizona | Tucson | $1,879 | $157 |
| Arizona | Mesa | $1,976 | $165 |
| Arizona | Chandler | $1,938 | $161 |
| Arizona | Gilbert | $1,924 | $160 |
| Arizona | Glendale | $2,208 | $184 |
| Arizona | Scottsdale | $1,958 | $163 |
| Arizona | Peoria | $2,051 | $171 |
| Arizona | Tempe | $2,000 | $167 |
| Arizona | Surprise | $1,915 | $160 |
| California | Los Angeles | $3,149 | $262 |
| California | San Diego | $2,324 | $194 |
| California | San Jose | $2,406 | $200 |
| California | San Francisco | $2,777 | $231 |
| California | Fresno | $2,385 | $199 |
| California | Sacramento | $2,665 | $222 |
| California | Long Beach | $2,681 | $223 |
| California | Oakland | $2,802 | $234 |
| California | Bakersfield | $2,477 | $206 |
| California | Anaheim | $2,572 | $214 |
| Colorado | Denver | $2,337 | $195 |
| Colorado | Colorado Springs | $2,349 | $196 |
| Colorado | Aurora | $2,432 | $203 |
| Colorado | Fort Collins | $2,209 | $184 |
| Colorado | Lakewood | $2,492 | $208 |
| Colorado | Thornton | $2,220 | $185 |
| Colorado | Arvada | $2,360 | $197 |
| Colorado | Westminster | $2,234 | $186 |
| Colorado | Pueblo | $2,483 | $207 |
| Colorado | Greeley | $2,356 | $196 |
| Connecticut | Bridgeport | $2,334 | $195 |
| Connecticut | Stamford | $1,846 | $154 |
| Connecticut | New Haven | $2,275 | $190 |
| Connecticut | Hartford | $2,299 | $192 |
| Connecticut | Waterbury | $2,147 | $179 |
| Connecticut | Norwalk | $1,731 | $144 |
| Connecticut | Danbury | $1,752 | $146 |
| Connecticut | New Britain | $1,870 | $156 |
| Connecticut | Bristol | $1,635 | $136 |
| Connecticut | Meriden | $1,793 | $149 |
| Delaware | Wilmington | $2,136 | $178 |
| Delaware | Dover | $2,070 | $172 |
| Delaware | Newark | $2,178 | $181 |
| Delaware | Middletown | $1,947 | $162 |
| Delaware | Smyrna | $1,851 | $154 |
| Delaware | Milford | $2,017 | $168 |
| Delaware | Seaford | $2,023 | $169 |
| Delaware | Georgetown | $2,004 | $167 |
| Delaware | Millsboro | $1,990 | $166 |
| Florida | Jacksonville | $2,692 | $224 |
| Florida | Miami | $3,345 | $279 |
| Florida | Tampa | $3,131 | $261 |
| Florida | Orlando | $2,835 | $236 |
| Florida | St. Petersburg | $2,909 | $242 |
| Florida | Hialeah | $3,355 | $280 |
| Florida | Port St. Lucie | $2,824 | $235 |
| Florida | Cape Coral | $2,591 | $216 |
| Florida | Tallahassee | $2,537 | $211 |
| Florida | Fort Lauderdale | $3,174 | $265 |
| Georgia | Atlanta | $2,470 | $206 |
| Georgia | Columbus | $1,990 | $166 |
| Georgia | Augusta | $1,933 | $161 |
| Georgia | Macon | $2,188 | $182 |
| Georgia | Savannah | $2,164 | $180 |
| Georgia | Athens | $1,816 | $151 |
| Georgia | Sandy Springs | $2,159 | $180 |
| Georgia | Roswell | $2,100 | $175 |
| Georgia | Johns Creek | $2,147 | $179 |
| Hawaii | Honolulu | $1,515 | $126 |
| Hawaii | Pearl City | $1,520 | $127 |
| Hawaii | Waipahu | $1,536 | $128 |
| Hawaii | Hilo | $1,630 | $136 |
| Hawaii | Kailua | $1,575 | $131 |
| Hawaii | Kaneohe | $1,520 | $127 |
| Hawaii | Kahului | $1,470 | $123 |
| Hawaii | Mililani Town | $1,520 | $127 |
| Hawaii | Ewa Gentry | $1,536 | $128 |
| Hawaii | Kapolei | $1,520 | $127 |
| Iowa | Des Moines | $1,585 | $132 |
| Iowa | Cedar Rapids | $1,543 | $129 |
| Iowa | Davenport | $1,538 | $128 |
| Iowa | Sioux City | $1,713 | $143 |
| Iowa | Iowa City | $1,351 | $113 |
| Iowa | Ankeny | $1,371 | $114 |
| Iowa | West Des Moines | $1,391 | $116 |
| Iowa | Waterloo | $1,590 | $133 |
| Iowa | Ames | $1,387 | $116 |
| Iowa | Council Bluffs | $1,876 | $156 |
| Idaho | Boise City | $1,309 | $109 |
| Idaho | Meridian | $1,306 | $109 |
| Idaho | Nampa | $1,400 | $117 |
| Idaho | Idaho Falls | $1,455 | $121 |
| Idaho | Caldwell | $1,417 | $118 |
| Idaho | Pocatello | $1,455 | $121 |
| Idaho | Coeur d'Alene | $1,430 | $119 |
| Idaho | Twin Falls | $1,374 | $114 |
| Idaho | Post Falls | $1,415 | $118 |
| Idaho | Rexburg | $1,463 | $122 |
| Illinois | Chicago | $1,930 | $161 |
| Illinois | Aurora | $1,476 | $123 |
| Illinois | Joliet | $1,574 | $131 |
| Illinois | Naperville | $1,429 | $119 |
| Illinois | Rockford | $1,509 | $126 |
| Illinois | Elgin | $1,502 | $125 |
| Illinois | Springfield | $1,497 | $125 |
| Illinois | Peoria | $1,502 | $125 |
| Illinois | Champaign | $1,367 | $114 |
| Illinois | Waukegan | $1,564 | $130 |
| Indiana | Indianapolis | $1,627 | $136 |
| Indiana | Fort Wayne | $1,447 | $121 |
| Indiana | Evansville | $1,538 | $128 |
| Indiana | South Bend | $1,473 | $123 |
| Indiana | Fishers | $1,441 | $120 |
| Indiana | Carmel | $1,402 | $117 |
| Indiana | Bloomington | $1,485 | $124 |
| Indiana | Hammond | $1,984 | $165 |
| Indiana | Noblesville | $1,405 | $117 |
| Indiana | Lafayette | $1,363 | $114 |
| Kansas | Wichita | $1,987 | $166 |
| Kansas | Overland Park | $1,718 | $143 |
| Kansas | Kansas City | $1,956 | $163 |
| Kansas | Olathe | $1,706 | $142 |
| Kansas | Topeka | $1,788 | $149 |
| Kansas | Lawrence | $1,685 | $140 |
| Kansas | Shawnee | $1,733 | $144 |
| Kansas | Lenexa | $1,713 | $143 |
| Kansas | Manhattan | $1,694 | $141 |
| Kansas | Salina | $1,645 | $137 |
| Kentucky | Jeffersontown | $2,175 | $181 |
| Kentucky | Jeffersonville | $2,176 | $181 |
| Kentucky | Louisville | $2,359 | $197 |
| Kentucky | Lexington | $1,945 | $162 |
| Kentucky | Bowling Green | $1,987 | $166 |
| Kentucky | Owensboro | $1,863 | $155 |
| Kentucky | Covington | $2,038 | $170 |
| Kentucky | Georgetown | $2,001 | $167 |
| Kentucky | Richmond | $1,919 | $160 |
| Kentucky | Florence | $1,928 | $161 |
| Kentucky | Elizabethtown | $1,910 | $159 |
| Kentucky | Nicholasville | $1,992 | $166 |
| Louisiana | New Orleans | $2,949 | $246 |
| Louisiana | Baton Rouge | $3,166 | $264 |
| Louisiana | Shreveport | $2,840 | $237 |
| Louisiana | Lafayette | $3,152 | $263 |
| Louisiana | Lake Charles | $3,061 | $255 |
| Louisiana | Kenner | $2,987 | $249 |
| Louisiana | Bossier City | $2,625 | $219 |
| Louisiana | Monroe | $3,166 | $264 |
| Louisiana | Alexandria | $3,256 | $271 |
| Louisiana | Houma | $2,739 | $228 |
| Massachusetts | Boston | $2,103 | $175 |
| Massachusetts | Worcester | $2,198 | $183 |
| Massachusetts | Springfield | $2,400 | $200 |
| Massachusetts | Cambridge | $1,845 | $154 |
| Massachusetts | Lowell | $1,971 | $164 |
| Massachusetts | Brockton | $2,730 | $228 |
| Massachusetts | Quincy | $2,088 | $174 |
| Massachusetts | New Bedford | $2,193 | $183 |
| Massachusetts | Lynn | $2,465 | $205 |
| Massachusetts | Fall River | $2,201 | $183 |
| Maryland | Baltimore | $2,345 | $195 |
| Maryland | Frederick | $1,516 | $126 |
| Maryland | Gaithersburg | $1,740 | $145 |
| Maryland | Rockville | $1,712 | $143 |
| Maryland | Bowie | $1,950 | $162 |
| Maryland | Hagerstown | $1,477 | $123 |
| Maryland | Annapolis | $1,725 | $144 |
| Maryland | College Park | $2,130 | $178 |
| Maryland | Salisbury | $1,531 | $128 |
| Maryland | Laurel | $1,928 | $161 |
| Maine | Portland | $1,140 | $95 |
| Maine | Lewiston | $1,185 | $99 |
| Maine | Bangor | $1,128 | $94 |
| Maine | South Portland | $1,092 | $91 |
| Maine | Auburn | $1,163 | $97 |
| Maine | Biddeford | $1,065 | $89 |
| Maine | Sanford | $1,149 | $96 |
| Maine | Saco | $1,079 | $90 |
| Maine | Westbrook | $1,086 | $90 |
| Maine | Augusta | $1,155 | $96 |
| Michigan | Detroit | $3,280 | $273 |
| Michigan | Grand Rapids | $2,248 | $187 |
| Michigan | Warren | $2,645 | $220 |
| Michigan | Sterling Heights | $2,680 | $223 |
| Michigan | Ann Arbor | $2,119 | $177 |
| Michigan | Lansing | $2,234 | $186 |
| Michigan | Dearborn | $3,305 | $275 |
| Michigan | Livonia | $2,794 | $233 |
| Michigan | Troy | $2,617 | $218 |
| Michigan | Westland | $3,058 | $255 |
| Minnesota | Minneapolis | $2,188 | $182 |
| Minnesota | St. Paul | $2,164 | $180 |
| Minnesota | Rochester | $1,710 | $142 |
| Minnesota | Bloomington | $1,998 | $167 |
| Minnesota | Duluth | $1,825 | $152 |
| Minnesota | Brooklyn Park | $2,120 | $177 |
| Minnesota | Plymouth | $1,930 | $161 |
| Minnesota | Woodbury | $1,961 | $163 |
| Minnesota | Lakeville | $1,870 | $156 |
| Minnesota | Blaine | $2,033 | $169 |
| Missouri | Kansas City | $2,155 | $180 |
| Missouri | St. Louis | $2,362 | $197 |
| Missouri | Springfield | $1,880 | $157 |
| Missouri | Columbia | $1,896 | $158 |
| Missouri | Independence | $2,024 | $169 |
| Missouri | Lee's Summit | $1,930 | $161 |
| Missouri | O'Fallon | $1,890 | $157 |
| Missouri | St. Joseph | $1,957 | $163 |
| Missouri | St. Charles | $1,903 | $159 |
| Missouri | Blue Springs | $1,945 | $162 |
| Mississippi | Jackson | $2,107 | $176 |
| Mississippi | Gulfport | $2,096 | $175 |
| Mississippi | Southaven | $1,955 | $163 |
| Mississippi | Biloxi | $2,084 | $174 |
| Mississippi | Hattiesburg | $1,999 | $167 |
| Mississippi | Olive Branch | $1,945 | $162 |
| Mississippi | Tupelo | $1,757 | $146 |
| Mississippi | Meridian | $2,030 | $169 |
| Mississippi | Greenville | $2,004 | $167 |
| Mississippi | Madison | $2,026 | $169 |
| Montana | Billings | $2,157 | $180 |
| Montana | Missoula | $1,908 | $159 |
| Montana | Great Falls | $2,071 | $173 |
| Montana | Bozeman | $2,026 | $169 |
| Montana | Butte | $2,054 | $171 |
| Montana | Helena | $1,942 | $162 |
| Montana | Kalispell | $2,196 | $183 |
| Montana | Belgrade | $2,018 | $168 |
| Montana | Anaconda-Deer Lodge County | $2,013 | $168 |
| Montana | Havre | $2,222 | $185 |
| North Carolina | Charlotte | $1,824 | $152 |
| North Carolina | Raleigh | $1,703 | $142 |
| North Carolina | Greensboro | $1,745 | $145 |
| North Carolina | Durham | $1,741 | $145 |
| North Carolina | Winston-Salem | $1,573 | $131 |
| North Carolina | Fayetteville | $1,901 | $158 |
| North Carolina | Cary | $1,550 | $129 |
| North Carolina | Wilmington | $1,650 | $137 |
| North Carolina | High Point | $1,699 | $142 |
| North Carolina | Concord | $1,731 | $144 |
| North Dakota | Fargo | $1,379 | $115 |
| North Dakota | Bismarck | $1,596 | $133 |
| North Dakota | Grand Forks | $1,407 | $117 |
| North Dakota | Minot | $1,598 | $133 |
| North Dakota | West Fargo | $1,378 | $115 |
| North Dakota | Williston | $1,641 | $137 |
| North Dakota | Dickinson | $1,614 | $134 |
| North Dakota | Mandan | $1,622 | $135 |
| North Dakota | Jamestown | $1,491 | $124 |
| North Dakota | Wahpeton | $1,547 | $129 |
| Nebraska | Omaha | $1,944 | $162 |
| Nebraska | Lincoln | $1,668 | $139 |
| Nebraska | Bellevue | $1,772 | $148 |
| Nebraska | Grand Island | $1,785 | $149 |
| Nebraska | Kearney | $1,799 | $150 |
| Nebraska | Fremont | $1,740 | $145 |
| Nebraska | Hastings | $1,771 | $148 |
| Nebraska | Norfolk | $1,807 | $151 |
| Nebraska | Columbus | $1,779 | $148 |
| Nebraska | Papillion | $1,723 | $144 |
| New Hampshire | Manchester | $1,436 | $120 |
| New Hampshire | Nashua | $1,317 | $110 |
| New Hampshire | Concord | $1,218 | $101 |
| New Hampshire | Dover | $1,249 | $104 |
| New Hampshire | Rochester | $1,239 | $103 |
| New Hampshire | Keene | $1,181 | $98 |
| New Hampshire | Portsmouth | $1,230 | $102 |
| New Hampshire | Laconia | $1,243 | $104 |
| New Hampshire | Lebanon | $1,202 | $100 |
| New Hampshire | Claremont | $1,212 | $101 |
| New Jersey | Newark | $2,641 | $220 |
| New Jersey | Jersey City | $2,331 | $194 |
| New Jersey | Paterson | $2,518 | $210 |
| New Jersey | Elizabeth | $2,576 | $215 |
| New Jersey | Trenton | $2,138 | $178 |
| New Jersey | Clifton | $2,344 | $195 |
| New Jersey | Camden | $2,418 | $202 |
| New Jersey | Passaic | $2,554 | $213 |
| New Jersey | Bayonne | $2,266 | $189 |
| New Jersey | East Orange | $2,494 | $208 |
| New Mexico | Albuquerque | $2,231 | $186 |
| New Mexico | Las Cruces | $1,894 | $158 |
| New Mexico | Rio Rancho | $2,146 | $179 |
| New Mexico | Santa Fe | $2,069 | $172 |
| New Mexico | Roswell | $2,146 | $179 |
| New Mexico | Farmington | $1,829 | $152 |
| New Mexico | Hobbs | $2,194 | $183 |
| New Mexico | Clovis | $2,153 | $179 |
| New Mexico | Carlsbad | $2,244 | $187 |
| New Mexico | Alamogordo | $1,742 | $145 |
| Nevada | Las Vegas | $2,594 | $216 |
| Nevada | Henderson | $2,331 | $194 |
| Nevada | North Las Vegas | $2,587 | $216 |
| Nevada | Reno | $1,960 | $163 |
| Nevada | Sparks | $1,958 | $163 |
| Nevada | Fernley | $1,687 | $141 |
| Nevada | Mesquite | $1,997 | $166 |
| Nevada | Elko | $1,712 | $143 |
| Nevada | Boulder City | $2,030 | $169 |
| New York | New York | $2,600 | $217 |
| New York | Buffalo | $2,125 | $177 |
| New York | Rochester | $1,683 | $140 |
| New York | Yonkers | $2,469 | $206 |
| New York | Syracuse | $1,804 | $150 |
| New York | Albany | $1,751 | $146 |
| New York | New Rochelle | $1,939 | $162 |
| New York | Mount Vernon | $2,623 | $219 |
| New York | Schenectady | $1,736 | $145 |
| New York | Utica | $1,833 | $153 |
| Ohio | Columbus | $1,597 | $133 |
| Ohio | Cleveland | $1,643 | $137 |
| Ohio | Cincinnati | $1,608 | $134 |
| Ohio | Toledo | $1,601 | $133 |
| Ohio | Akron | $1,510 | $126 |
| Ohio | Dayton | $1,476 | $123 |
| Ohio | Parma | $1,316 | $110 |
| Ohio | Canton | $1,417 | $118 |
| Ohio | Lorain | $1,310 | $109 |
| Ohio | Hamilton | $1,472 | $123 |
| Oklahoma | Oklahoma City | $2,373 | $198 |
| Oklahoma | Tulsa | $2,339 | $195 |
| Oklahoma | Norman | $2,202 | $183 |
| Oklahoma | Broken Arrow | $2,225 | $185 |
| Oklahoma | Edmond | $2,269 | $189 |
| Oklahoma | Lawton | $2,009 | $167 |
| Oklahoma | Moore | $2,271 | $189 |
| Oklahoma | Midwest City | $2,411 | $201 |
| Oklahoma | Enid | $1,996 | $166 |
| Oklahoma | Stillwater | $2,064 | $172 |
| Oregon | Portland | $2,033 | $169 |
| Oregon | Salem | $1,736 | $145 |
| Oregon | Eugene | $1,487 | $124 |
| Oregon | Gresham | $2,077 | $173 |
| Oregon | Hillsboro | $1,757 | $146 |
| Oregon | Bend | $1,542 | $128 |
| Oregon | Beaverton | $1,821 | $152 |
| Oregon | Medford | $1,512 | $126 |
| Oregon | Springfield | $1,501 | $125 |
| Oregon | Corvallis | $1,487 | $124 |
| Pennsylvania | Philadelphia | $2,782 | $232 |
| Pennsylvania | Pittsburgh | $1,933 | $161 |
| Pennsylvania | Allentown | $2,003 | $167 |
| Pennsylvania | Reading | $1,942 | $162 |
| Pennsylvania | Erie | $1,895 | $158 |
| Pennsylvania | Scranton | $1,935 | $161 |
| Pennsylvania | Bethlehem | $1,805 | $150 |
| Pennsylvania | Lancaster | $1,763 | $147 |
| Pennsylvania | Harrisburg | $1,691 | $141 |
| Pennsylvania | York | $1,647 | $137 |
| Rhode Island | Providence | $2,495 | $208 |
| Rhode Island | Warwick | $2,121 | $177 |
| Rhode Island | Cranston | $2,440 | $203 |
| Rhode Island | Pawtucket | $2,452 | $204 |
| Rhode Island | East Providence | $2,262 | $189 |
| Rhode Island | Woonsocket | $2,077 | $173 |
| Rhode Island | Newport | $1,655 | $138 |
| Rhode Island | Central Falls | $2,538 | $211 |
| Rhode Island | Coventry | $1,967 | $164 |
| Rhode Island | Cumberland | $2,074 | $173 |
| South Carolina | Charleston | $2,059 | $172 |
| South Carolina | Columbia | $1,973 | $164 |
| South Carolina | North Charleston | $2,154 | $180 |
| South Carolina | Mount Pleasant | $2,081 | $173 |
| South Carolina | Rock Hill | $1,938 | $162 |
| South Carolina | Greenville | $1,953 | $163 |
| South Carolina | Summerville | $2,056 | $171 |
| South Carolina | Goose Creek | $2,022 | $169 |
| South Carolina | Sumter | $2,005 | $167 |
| South Carolina | Florence | $2,026 | $169 |
| South Dakota | Sioux Falls | $1,997 | $166 |
| South Dakota | Rapid City | $2,497 | $208 |
| South Dakota | Aberdeen | $1,983 | $165 |
| South Dakota | Brookings | $1,916 | $160 |
| South Dakota | Watertown | $1,939 | $162 |
| South Dakota | Mitchell | $2,091 | $174 |
| South Dakota | Yankton | $2,111 | $176 |
| South Dakota | Huron | $2,150 | $179 |
| South Dakota | Pierre | $2,323 | $194 |
| South Dakota | Spearfish | $2,561 | $213 |
| Tennessee | Nashville | $1,708 | $142 |
| Tennessee | Memphis | $2,161 | $180 |
| Tennessee | Knoxville | $1,580 | $132 |
| Tennessee | Chattanooga | $1,605 | $134 |
| Tennessee | Clarksville | $1,620 | $135 |
| Tennessee | Murfreesboro | $1,600 | $133 |
| Tennessee | Franklin | $1,513 | $126 |
| Tennessee | Johnson City | $1,386 | $116 |
| Tennessee | Jackson | $1,666 | $139 |
| Tennessee | Hendersonville | $1,569 | $131 |
| Texas | Houston | $2,317 | $193 |
| Texas | San Antonio | $2,181 | $182 |
| Texas | Dallas | $2,278 | $190 |
| Texas | Austin | $1,930 | $161 |
| Texas | Fort Worth | $2,030 | $169 |
| Texas | El Paso | $2,112 | $176 |
| Texas | Arlington | $2,080 | $173 |
| Texas | Corpus Christi | $2,013 | $168 |
| Texas | Plano | $1,994 | $166 |
| Texas | Lubbock | $2,253 | $188 |
| Utah | Salt Lake City | $2,038 | $170 |
| Utah | West Valley City | $2,179 | $182 |
| Utah | West Jordan | $2,049 | $171 |
| Utah | Provo | $1,918 | $160 |
| Utah | St. George | $1,724 | $144 |
| Utah | Orem | $1,966 | $164 |
| Utah | Sandy | $1,942 | $162 |
| Utah | Ogden | $1,909 | $159 |
| Utah | Layton | $1,827 | $152 |
| Utah | South Jordan | $1,905 | $159 |
| Virginia | Virginia Beach | $1,457 | $121 |
| Virginia | Chesapeake | $1,465 | $122 |
| Virginia | Norfolk | $1,607 | $134 |
| Virginia | Richmond | $1,552 | $129 |
| Virginia | Newport News | $1,447 | $121 |
| Virginia | Alexandria | $1,586 | $132 |
| Virginia | Hampton | $1,476 | $123 |
| Virginia | Roanoke | $1,338 | $111 |
| Virginia | Portsmouth | $1,539 | $128 |
| Virginia | Suffolk | $1,446 | $120 |
| Vermont | Burlington | $1,270 | $106 |
| Vermont | South Burlington | $1,251 | $104 |
| Vermont | Rutland | $1,286 | $107 |
| Vermont | Essex Junction | $1,240 | $103 |
| Vermont | Barre | $1,265 | $105 |
| Vermont | Winooski | $1,255 | $105 |
| Vermont | Montpelier | $1,266 | $106 |
| Vermont | St. Albans | $1,278 | $107 |
| Vermont | Newport | $1,329 | $111 |
| Vermont | Bellows Falls | $1,304 | $109 |
| Washington | Seattle | $1,910 | $159 |
| Washington | Spokane | $1,612 | $134 |
| Washington | Tacoma | $1,988 | $166 |
| Washington | Vancouver | $1,715 | $143 |
| Washington | Bellevue | $1,776 | $148 |
| Washington | Kent | $2,009 | $167 |
| Washington | Everett | $1,785 | $149 |
| Washington | Spokane Valley | $1,501 | $125 |
| Washington | Renton | $1,931 | $161 |
| Washington | Federal Way | $2,021 | $168 |
| Wisconsin | Milwaukee | $2,013 | $168 |
| Wisconsin | Madison | $1,524 | $127 |
| Wisconsin | Green Bay | $1,325 | $110 |
| Wisconsin | Kenosha | $1,628 | $136 |
| Wisconsin | Racine | $1,649 | $137 |
| Wisconsin | Appleton | $1,318 | $110 |
| Wisconsin | Waukesha | $1,425 | $119 |
| Wisconsin | Eau Claire | $1,491 | $124 |
| Wisconsin | Oshkosh | $1,357 | $113 |
| Wisconsin | Janesville | $1,437 | $120 |
| West Virginia | Charleston | $1,987 | $166 |
| West Virginia | Huntington | $1,985 | $165 |
| West Virginia | Parkersburg | $1,932 | $161 |
| West Virginia | Morgantown | $1,935 | $161 |
| West Virginia | Wheeling | $1,810 | $151 |
| West Virginia | Martinsburg | $1,807 | $151 |
| West Virginia | Weirton | $1,844 | $154 |
| West Virginia | Beckley | $1,984 | $165 |
| West Virginia | Clarksburg | $1,886 | $157 |
| Wyoming | Cheyenne | $1,676 | $140 |
| Wyoming | Casper | $1,724 | $144 |
| Wyoming | Gillette | $1,793 | $149 |
| Wyoming | Laramie | $1,765 | $147 |
| Wyoming | Rock Springs | $1,766 | $147 |
| Wyoming | Sheridan | $1,702 | $142 |
| Wyoming | Evanston | $1,750 | $146 |
| Wyoming | Green River | $1,761 | $147 |
| Wyoming | Jackson | $1,825 | $152 |
| Wyoming | Riverton | $1,762 | $147 |
Cheap full coverage insurance for drivers with poor credit
Your credit history can affect your car insurance rates. The difference between an insurance policy for a consumer who has good credit and one who has poor credit can be a difference of more than double, according to our rate comparison.
Below you’ll see rates from top companies for a driver with good credit compared to a driver with poor credit.
| Company | Average annual premium with good credit | Average annual premium with bad credit | $ Difference |
|---|---|---|---|
| Nationwide | $1,548 | $2,259 | $711 |
| Geico | $1,763 | $3,038 | $1,275 |
| Travelers | $1,606 | $3,054 | $1,448 |
| Progressive | $1,998 | $3,405 | $1,407 |
| Allstate | $2,509 | $4,177 | $1,668 |
| Farmers | $2,387 | $5,049 | $2,662 |
| State Farm | $1,984 | $8,653 | $6,669 |
| USAA | $1,381 | $2,753 | $1,372 |
Although Geico starts out as the cheapest with good credit, rates take a huge leap with bad credit. The cheapest option among the companies listed is Nationwide, with an increase of $525 from good to poor credit.
It’s worth noting that some states have outlawed the use of credit scores for car insurance rates.
How to find the cheapest full coverage insurance in 2025
Car insurance rates have been rising, and are expected to stay high in 2025. To get the cheapest car insurance in 2025, you'll need to spend some time researching and comparing rates. Here are a few tips to help you get affordable auto insurance.
- Compare as many companies as possible. With online quoting, it's a lot easier to compare more full coverage car insurance quotes to find the best rate.
- Consider regional carriers. Smaller insurers may offer lower rates because their risk exposure is much smaller, and they better understand the risks in your area.
- Push for discounts. Not all discounts will be added to your policy automatically. Contact your insurer and ask what discounts are available that you aren't getting to see if you qualify for any of them.
- Increase your deductible. A higher deductible will lower your premiums; just make sure you choose one you can afford.
Is the cheapest car insurance a good choice?
That’s difficult to say, but one thing is for sure – all insurance companies are different. While some might have cheap full coverage car insurance for young drivers, they may not offer good service. Rates are not the only thing to consider when you’re shopping for car insurance. You want to be sure that you’re also getting good coverage and a company you can count on.
Make sure you’re aligning yourself with a reputable company – and actually read through the policy before signing up.
You could, after all, pay for cheap insurance – and discover that your policy doesn’t really cover as much as you thought it would after a car accident. The only thing worse than paying too much for car insurance is discovering after an accident that it was a waste of money because your insurance didn’t pay the claim.
Again, while you want the lowest price for car insurance, you also want to make sure you’re working with an insurer that has a good reputation. Look the policy over carefully before you buy so you understand what you’re getting for your money. It’s a lot of research for something that you hope you don’t have to use – but it’ll be worth it if you do need to use it.
Methodology
Insurance.com in 2024 commissioned Quadrant Data Services to field rates for a driver with full coverage auto insurance. Rates are based on a driver profile of a 40-year-old with a clean driving record and good credit driving a 2024 Honda Accord LX with 100/300/100 liability limits and $500 deductibles. Rates were also fielded for one DUI, one speeding ticket and one at-fault accident.
Frequently asked questions: Full coverage auto insurance
Do I need full coverage car insurance?
Full coverage car insurance is not required by law in any state, but it is required by lease and loan companies. If you can't afford to repair or replace your car on your own, you need full coverage.
Full coverage vs. basic liability auto insurance: Which is more expensive?
Basic liability auto insurance will always be cheaper than full coverage if you’re comparing rates for the same driver. However, a good driver with good credit may pay less for full coverage than a driver with tickets, accidents, or poor credit pays for basic liability.
That said, in general, full coverage is more expensive, but it also provides a lot more coverage for the money. Without it, you will have no coverage at all for your own car.
How can you get cheap full coverage auto insurance with no down payment?
While you may see advertisements for no down payment car insurance, it doesn’t really exist. Most of these ads mean you don’t have to pay anything beyond the first month’s payment to start the policy.
Car insurers will want you to make that first monthly payment immediately. The moment you make a car insurance payment, you are covered if anything bad happens to your car – assuming that you have full coverage auto insurance.
Helpful auto insurance tools and calculators
