Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 26, 2022

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The Full Review

  • You can secure cheap full coverage car insurance if you keep a clean driving record
  • USAA and GEICO have the cheapest full coverage insurance rates
  • Liability-only coverage has more affordable rates but less coverage

Are you looking for affordable car insurance? Full coverage can be expensive, but there’s a way to get the cheapest full coverage auto insurance.

So, which companies have cheap car insurance? Don’t worry – we’ll show you which auto insurance companies have the cheapest full coverage insurance rates in America.

Read this article to learn about full coverage options you don’t want to miss, which companies have cheap auto insurance rates, and how you can save money on full coverage insurance.

Which full coverage options are the cheapest?

Full coverage is a combination of coverage options that make up one policy. For example, full coverage insurance combines collision, comprehensive, and liability coverage into one car insurance policy.

However, full coverage car insurance could come with other options, such as personal injury protection, uninsured/underinsured motorist coverage, and medical payments. Some states have personal injury protection and uninsured/underinsured motorist coverage attached to liability insurance, but they cost extra in states that don’t require them.

Have you ever wondered how much they cost? Check out this breakdown of estimates to see how much full coverage insurance costs.

Monthly Auto Insurance Rates by Coverage
CoveragesMonthly Rates
Collision Insurance Rates with $500 Deductible$30/month
Comprehensive Insurance Rates with $500 deductible$13/month
PIP Insurance Rates with $500 deductible$14/month
MedPay Insurance Rates$5/month
UM/UIM Coverage Rates$3/month
Liability Insurance (BI and PD liability)$50/month
Estimated Full Coverage Insurance Rates$90 -$115/month
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Your rates will vary because the insurance company looks at personal factors to determine monthly car insurance rates. For example, you could pay cheap auto insurance rates if you have a clean driving record and an excellent credit score.

However, you can only get the cheapest car insurance rates by shopping around. If you can’t afford full coverage, you can go with liability insurance instead. Liability car insurance is 53% cheaper, but it comes with less coverage.

Is full coverage insurance required?

It depends on your situation. If you’re still making monthly payments on your car, you’ll need full coverage insurance. If you’re no longer making payments, you can switch to liability-only coverage.

However, we recommend drivers maintain full coverage, especially if the vehicle was manufactured in the last five years.

What’s the difference between full coverage and liability coverage?

Liability insurance pays for bodily injury and property damage to a driver that’s not at fault in a car accident. So, liability coverage won’t pay for your injuries or car damage.

Full coverage insurance pays for bodily injury and property damage to another driver and you.

The collision and comprehensive portions of your full coverage policy cover the cost of damage to your vehicle regardless of fault. Meanwhile, personal injury protection and medical payments pay for bodily injury and personal injury expenses.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Which companies provide cheap full coverage car insurance?

It’s challenging to pinpoint insurance quotes from all the companies in your area, but we’ve narrowed down the cheapest auto insurance to the top ten companies in the United States.

Although some regional companies are just as good as nationally acclaimed insurance companies, the best insurance often comes from the top companies in the nation.

Below are America’s best car insurance companies and their estimated full coverage insurance rates.

Average Monthly Auto Insurance Rates by Company
CompaniesMonthly Full Coverage Car Insurance Rates
Allstate$318
American Family$224
Farmers$288
GEICO$179
Liberty Mutual$398
Nationwide$229
Progressive$283
State Farm$235
Travelers$287
USAA$161
**Average**$260
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USAA and GEICO are the most affordable car insurance companies for full coverage. However, USAA insurance is only for veterans and their immediate families. Therefore, companies like GEICO, American Family, and Nationwide are better for drivers who want to save money on full coverage insurance.

How does your driving record affect full coverage insurance at different companies?

As you shop for different insurance companies, car insurance rates vary. If you have a few driving violations, your rates could increase significantly.

Let’s look at how the best insurance companies respond to various traffic violations and accidents.

Average Monthly Full Coverage Rates by Driving Violations
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One At-Fault AccidentMonthly Rates w/ One DUI Conviction
Allstate$318$374$416$522
American Family$224$252$310$361
Farmers$288$340$377$393
GEICO$179$220$266$406
Liberty Mutual$398$475$517$634
Nationwide$229$259$283$379
Progressive$283$334$398$331
State Farm$235$266$283$303
Travelers$287$355$357$478
USAA$161$183$210$292
*National Average$260$306$342$410
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At-fault accidents and DUI convictions have the most significant impact on car insurance rates. Speeding tickets have little effect on your insurance rates, but too many speeding infractions could increase your rates by 24%.

What is the cheapest car insurance company in each state?

You’ve seen the national average for each company, but which insurance companies are the most affordable by the state? We researched estimated auto insurance quotes and found the cheapest company in each state.

Here’s a table that shows the average of each state and the least expensive car insurance company in that state.

Cheapest Auto Insurance Companies by State
StatesMost Affordable Auto Insurance CompaniesMonthly Full Coverage Insurance Rates
AlabamaAllstate$91
AlaskaState Farm$89
ArizonaAmerican Family$98
ArkansasSouthern Farm Bureau$83
CaliforniaEsurance$156
ColoradoState Farm$107
ConnecticutState Farm$120
DelawareState Farm$116
District of ColumbiaErie$87
FloridaState Farm$172
GeorgiaState Farm$132
HawaiiState Farm$78
IdahoState Farm$51
IllinoisState Farm$89
IndianaErie$62
IowaState Farm$57
KansasAmerican Family$74
KentuckyState Farm$80
LouisianaSouthern Farm Bureau$166
MaineState Farm$57
MarylandErie$145
MassachusettsGEICO$96
MichiganNationwide$334
MinnesotaAmerican Family$88
MississippiTravelers$95
MissouriState Farm$84
MontanaState Farm$69
NebraskaState Farm$72
NevadaState Farm$152
New HampshireConcord Group$68
New JerseyGEICO$126
New MexicoState Farm$93
New YorkErie$225
North CarolinaNationwide$115
North DakotaAmerican Family$50
OhioAmerican Family$58
OklahomaState Farm$98
OregonState Farm$63
PennsylvaniaState Farm$77
Rhode IslandState Farm$96
South CarolinaState Farm$98
South DakotaState Farm$63
TennesseeState Farm$77
TexasFarmers$96
UtahGEICO$98
VermontState Farm$67
VirginiaProgressive$62
WashingtonState Farm$89
West VirginiaErie$72
WisconsinAmerican Family$66
WyomingState Farm$68
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Despite USAA and GEICO’s place as the most affordable companies on average, State Farm is cheaper across the United States.

Will your car insurance increase if you file a claim?

It depends on the company. Sometimes you won’t see an increase in auto insurance when you file a claim. If you’re at fault in a car accident, the insurance company may raise your rates.

However, you can prevent an insurance company from raising your rates with accident forgiveness. The accident forgiveness coverage protects your current rate, and the insurance company won’t hold an at-fault accident against you.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How do you save money on full coverage insurance?

Whether you’re shopping around or already have an insurance policy, you can get car insurance deals. These tips can help you secure cheap full coverage car insurance rates:

  • Get discounts. You can save up to 35% on car insurance by maintaining a clean driving record and good credit, and you save 10% more through anti-theft and safety features in your car.
  • Limit your mileage. People who drive their vehicles less can save 10% on auto insurance.
  • Enroll in usage-based insurance. Some of the best companies have usage-based insurance – a program that provides a discount when you practice good driving habits.

If your credit has improved recently, let the insurance company know about your credit score increase to get a discount. Also, taking a defensive driver course can cut high prices down.

Cheap Full Coverage Insurance: The Bottom Line

Full coverage is essential for drivers with a financed car. On average, full coverage car insurance is more expensive than liability insurance, but you get more coverage for situations that aren’t covered by liability.

GEICO is one of the cheapest companies for full coverage, but some companies may have cheaper rates. It all depends on multiple factors that determine auto insurance rates.