Cheapest full coverage car insurance

Which companies have the cheapest full coverage car insurance rates?

Of the major national carriers, Travelers has the cheapest full coverage car insurance rates. The average annual rate for a full coverage policy with Travelers is $2,103. If you qualify for USAA, which caters to military members and veterans, you can get cheaper full coverage insurance; the average with USAA is $1,572.

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
Travelers	$2,103	$1,052
GEICO	$2,148	$1,074
Nationwide	$2,463	$1,232
Progressive	$2,675	$1,338
State Farm	$2,874	$1,437
Farmers	$3,085	$1,543
Allstate	$3,205	$1,603
USAA*	$1,572	$786

Read our methodology

*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 $4,180 for full coverage. Vermont has the cheapest full coverage auto insurance rates at an average of $1,504 a year.

New Hampshire, right next to Vermont, has one of the lowest insurance rates in the nation, with rates averaging $1,650 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, Pennsylvania is near the middle of the pack for full coverage car insurance rates. The average cost of full coverage car insurance is $2,428 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.

Company	Annual premium for an at-fault accident	Average annual premium for a speeding ticket	Average annual premium with a DUI
Allstate	$3,075	$2,494	$2,931
GEICO	$2,136	$2,457	$2,484
Progressive	$3,375	$2,587	$2,266
State Farm	$1,967	$1,820	$1,820
USAA	$1,760	$1,513	$2,190

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.

City	Average annual premium	Average monthly premium
Anchorage	$2,543	$212
Bethel	$2,207	$184
Fairbanks	$2,441	$203
Homer	$2,151	$179
Houston	$2,366	$197
Juneau	$1,834	$153
Kenai	$2,088	$174
Ketchikan	$1,811	$151
Palmer	$2,409	$201
Sitka	$1,855	$155
Wasilla	$2,349	$196

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

Read our methodology

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

We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

All available year, make and model data
Ages ranging from 16 to 75
Excellent, fair and poor credit
All available traffic violations
One or more at-fault accidents

Learn more about our data and methodology.

FAQ: 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