Cheapest full coverage auto insurance

What is full coverage auto insurance?

Full coverage car insurance doesn’t have a formal definition, but insurers typically use it to refer to policies that include physical damage coverage for your own vehicle — i.e., comprehensive and collision coverage — in addition to the types of insurance required by state laws, such as liability and personal injury protection. The primary advantage of a full coverage policy is the ability to file claims with your own insurer for damage to your vehicle regardless of fault.

Because there’s no industry standard definition of full coverage, this type of policy might include a wide range of coverage types, including medical payments coverage, roadside assistance and rental reimbursements. Check with your insurer or agent to understand what unique full coverage add-ons you could include to ensure that your car insurance policy covers everything you need it to.

Cheapest full coverage car insurance company by state

The cost of car insurance varies by state due to different insurance laws, unique geographic features and the incidence of claims in the area, but you may still be able to find affordable rates no matter where you live. Because car insurance premiums vary between companies, getting quotes from several carriers could help you compare rates and find the cheapest full coverage insurance for your needs.

The following table shows the company that offers the cheapest full coverage premiums in each state. Please note that not everyone will qualify for coverage from every company. For example, USAA only serves military members, veterans and members of their immediate families.

Best cheap full coverage car insurance

While a smaller regional carrier may offer the cheapest rates on full coverage in your state, working with a larger insurance company may come with significant advantages, from competitive digital tools and 24/7 customer support to affordable pricing. Bankrate’s insurance editorial team analyzed the best car insurance companies for drivers nationwide seeking the cheapest full coverage insurance.

To determine the car insurance companies to feature, we first reviewed average premium data obtained from Quadrant Information Services. We also analyzed each company’s available coverage options, discounts, policy features and third-party rankings from sources like AM Best, Standard & Poor’s (S&P), the National Association of Insurance Commissioners (NAIC) and J.D. Power.

Based on our research, we have assigned a Bankrate Score on a scale of 0.0 to 5.0 to each company. The higher the Bankrate Score, the higher a company ranked in each of the scoring categories.

If you are searching for the best car insurance for full coverage, these companies may be a good place to start. These providers are some of the cheapest in the nation but also offer exceptional coverage:

Best cheap full coverage car insurance for your profile

Car insurance rates are highly individualized based on a wide range of rating factors that insurance companies use to estimate a given driver’s level of risk. Primary rating factors for auto insurance include age, driving history and credit ratings. Young drivers, anyone with at-fault accidents or driving violation convictions and drivers with poor credit tend to pay higher rates than the national average.

Elsewhere in this article, we’ve focused on average rates for adult drivers with clean driving records and good credit. In the table below, you’ll see average full coverage premiums for less optimal driver profiles, such as families with teenagers and drivers with violations.

How to find cheap full coverage insurance

Because you are buying more coverage, full coverage auto insurance will cost more than minimum coverage or liability-only coverage. However, there are steps you can take that might help you save:

• Compare quotes: One of the most recommended ways to find affordable car insurance is to shop around with several auto insurers. You can obtain free quotes from many insurers and then use these to see which could offer you the best rate on the coverage you want. When doing this, it’s important to specify the same types and limits of coverage on each quote.
• Take advantage of discounts: Most insurance companies offer discounts that could help you save money. Taking advantage of the discounts you qualify for generally lowers your premium. In many cases, you may be able to stack discounts from your insurer. In those situations, the more discounts you qualify for, the more you’ll likely save on rates.
• Drive safely: Driving infractions like tickets and accidents can lead to significant premium surcharges. Driving safely may help keep your rates low and may even qualify you for good driver discounts.
• Increase your deductibles: Both comprehensive coverage and collision coverage come with a deductible, which is the amount of money you agree to pay if you file a claim for damage to your vehicle before your coverage kicks in to pay the rest, up to your policy limits. Increasing one or both of your deductibles can lower your premium, but your collision coverage deductible generally has the biggest premium impact. Just be sure to choose a level that you can afford to pay if you file a claim.
• Consider the make and model of your vehicle: If you’re in the market for a new car, it may be a good idea to gather several car insurance quotes before making your purchase. For instance, if you’re on the fence between an SUV and a sporty coupe, your projected car insurance premium might help you decide which vehicle fits best within your budget.

Although price is an important factor when buying car insurance, it is not the only aspect of a company to consider. Customer service ratings, financial strength scores, available coverage options, discounts and policy features are all important to think about.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor and good (base).” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Teens: Rates were determined by adding an 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Scores

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.