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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Full-coverage car insurance doesn’t have a standard definition. It instead refers to a combination of coverages. When you hear “full coverage,” it typically means the policy includes liability insurance, comprehensive coverage, and collision coverage. But the exact coverages can vary by state or company.
The national average rate for full-coverage car insurance is $175 per month, according to Compare.com data. COUNTRY Financial offers the cheapest full-coverage policy, with an average rate of $72 per month.
But how much you pay for full-coverage car insurance will depend on factors such as your insurance company, driving record, and where you live.
We’ll break down everything you need to know about full coverage, including where to find the cheapest rates and how to save even more.
COUNTRY Financial, Auto-Owners, and NJM offer the cheapest full-coverage rates, on average.
Full-coverage car insurance usually includes comprehensive, collision, and liability insurance, but could also include personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage.
A full-coverage policy costs more than liability-only insurance but provides you with the most protection for your vehicle.
Full-coverage car insurance rates can vary widely depending on your driving history, age, and credit profile, so the cheapest insurance company isn’t the same for everyone. For example, COUNTRY Financial offers the cheapest full-coverage price for drivers with a speeding ticket, and COUNTRY Financial has the best rates for teen drivers.
Check out the table below for the most affordable car insurance company by driver type, according to Compare.com data.
Driver Type  | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Clean driving record | COUNTRY Financial | $72 |
| Drivers with a speeding ticket | COUNTRY Financial | $104 |
| Drivers with an at-fault accident | COUNTRY Financial | $98 |
| Drivers with a DUI | COUNTRY Financial | $106 |
| Teen drivers | COUNTRY Financial | $97 |
| Middle-aged drivers | COUNTRY Financial | $67 |
| Senior drivers | COUNTRY Financial | $56 |
| Drivers with excellent credit | COUNTRY Financial | $63 |
| Drivers with poor credit | COUNTRY Financial | $88 |
| Rideshare drivers | USAA | $112 |
| Drivers who need an SR-22 | COUNTRY Financial | $90 |
Comparing quotes guarantees the best deal.
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Full-coverage car insurance typically combines liability insurance, comprehensive coverage, and collision coverage to give you the most protection possible. Your full-coverage policy may also include certain optional coverages, depending on your coverage needs, insurer, and state.
Here’s a breakdown of the types of coverage that can make up a full-coverage policy.
Liability coverage: Bodily injury and property damage liability coverage pays for the other driver’s medical expenses and vehicle damages when you cause a car accident.
Collision coverage: If you get into an accident with another car or object, collision coverage pays for the damage. This also provides coverage if a pothole damages your car.
Comprehensive coverage: If a non-collision accident, such as theft, vandalism, fire, or a falling object, damages your vehicle, your comprehensive coverage can help cover the costs. It’ll also cover cracked or shattered windshields.
Uninsured/underinsured motorist (UM/UIM) coverage: If someone without any coverage or enough coverage hits you, including if it’s a hit-and-run or a pedestrian incident, UM/UIM coverage helps pay for your repairs and medical bills.
Personal injury protection (PIP) coverage: If you get into an accident, PIP coverage pays for your and your passengers ’ injuries and medical bills, regardless of who caused the accident. It may also cover lost wages and funeral expenses. But it’s not available in every state.
Full-coverage car insurance is worth considering when the financial risk of repairing or replacing your car exceeds the cost of the extra insurance premium. It’s especially useful in situations where you can’t easily absorb a major loss.
You likely need full coverage if:
You finance or lease your car, as lenders typically require it.
Your vehicle is newer or worth more than $5,000, making repairs or replacement costly.
You can’t afford to pay out of pocket if you total your vehicle or if someone steals it.
You live in an area with high levels of theft or vandalism, or severe weather, which increases your risk of a costly claim.
Drivers often drop full coverage once their car is older (typically over 10 years old) or worth less than about 10 times their annual insurance premium.[1]
Insurance rates can vary from one insurance company to the next because each insurer assesses risk differently. Factors like your driving record, credit history, location, and age can all affect how much you pay.
Plus, different companies cater to different types of drivers. For example, some companies, like The General, are willing to work with high-risk drivers, while others, like State Farm, may be better for drivers with a clean driving record.
That’s why comparison shopping is so important, as receiving multiple quotes will help you find the best rates and coverage for your needs. With that in mind, the chart below shows the insurers with the cheapest average rates for full coverage, according to Compare.com data.
COUNTRY Financial is the cheapest option overall, with an average monthly premium of $72. But keep in mind that these are just averages, and your exact rate will depend on various factors, like your vehicle and the state you live in.
Your location has a huge effect on your car insurance rates. Each state has unique rules for coverage requirements, assigning fault, and the ability to sue for damages, which affect the risk insurance companies take on when offering policies.
Similarly, rates can vary from one area to the next based on local claim frequencies, traffic patterns, and crime rates.
Here are the cheapest auto insurance companies for each state, according to Compare.com data.
State | Average Monthly Premium | Cheapest Insurer |
|---|---|---|
| Alabama | $92 | USAA |
| Alaska | $130 | State Farm |
| Arizona | $107 | Mile Auto |
| Arkansas | $85 | State Farm |
| California | $181 | Root |
| Colorado | $116 | State Farm |
| Connecticut | $157 | State Farm |
| Delaware | $116 | USAA |
| Florida | $116 | State Farm |
| Georgia | $130 | Auto-Owners |
| Hawaii | $133 | GEICO |
| Idaho | $46 | Auto-Owners |
| Illinois | $81 | Auto-Owners |
| Indiana | $78 | Auto-Owners |
| Iowa | $43 | State Farm |
| Kansas | $94 | State Farm |
| Kentucky | $153 | Progressive |
| Louisiana | $107 | State Farm |
| Maine | $78 | USAA |
| Maryland | $182 | CSAA |
| Massachusetts | $77 | State Farm |
| Michigan | $108 | Auto-Owners |
| Minnesota | $93 | State Farm |
| Mississippi | $74 | State Farm |
| Missouri | $100 | USAA |
| Montana | $63 | State Farm |
| Nebraska | $76 | Auto-Owners |
| Nevada | $68 | COUNTRY Financial |
| New Hampshire | $68 | Safeco |
| New Jersey | $185 | NJM |
| New Mexico | $124 | State Farm |
| New York | $141 | Erie |
| North Carolina | $86 | Progressive |
| North Dakota | $39 | Auto-Owners |
| Ohio | $61 | Mile Auto |
| Oklahoma | $76 | State Farm |
| Oregon | $84 | Mile Auto |
| Pennsylvania | $75 | State Farm |
| Rhode Island | $127 | USAA |
| South Carolina | $105 | USAA |
| South Dakota | $90 | State Farm |
| Tennessee | $78 | Mile Auto |
| Texas | $98 | State Farm |
| Utah | $87 | USAA |
| Vermont | $30 | State Farm |
| Virginia | $102 | Auto-Owners |
| Washington | $111 | State Farm |
| Washington D.C. | $155 | CSAA |
| West Virginia | $78 | State Farm |
| Wisconsin | $60 | USAA |
| Wyoming | $50 | USAA |
Price isn’t the only thing that matters with full-coverage insurance. The companies we highlight below stand out for offering affordable rates, solid coverage options, valuable discounts, and customer satisfaction. Let’s explore the three best car insurers for full coverage.
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $178/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide is a strong pick for full coverage because it offers valuable extras that help protect your wallet after a claim. You can lower your out-of-pocket cost with vanishing deductible rewards, prevent rate hikes with accident forgiveness, and avoid major losses with gap insurance and a total loss waiver.
Its telematics program, SmartRide, also receives high marks. Drivers earn a 15% enrollment discount for signing up, and up to a 40% total discount for safe driving habits.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is one of the best places to start if you’re looking for affordable full coverage. It offers some of the cheapest rates for military members and their families. SafePilot Miles may be a great fit for low-mileage drivers, who can earn up to 20% more in car insurance savings for safe driving.
And since USAA also operates a full-service bank, you may qualify for a lower auto loan rate than you’d find with many other lenders.
Cheap rates for qualifying members
Excellent customer service ratings
Pay-per-mile insurance available
Only available to military members and family
Gap insurance not available
Discounts vary by state
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Drivers value the excellent coverage and quick claim responses but dislike the significant rate increases and lack of responsiveness to emails.
Erie receives high marks for customer service, offers cheap car insurance rates, and its Rate Lock feature can help keep premiums predictable. Customize your policy with optional coverages for personal items, pet injuries, roadside assistance, car rentals, and new vehicle replacement.
Its Erie Auto Plus coverage also includes diminishing deductible and waivers, a death benefit, and other features.
No. 1 for claims satisfaction[5]
New/better car replacement
Rate Lock keeps premium the same
Available in only 12 states
Must buy policy from agent
Telematics rewards don’t lower premiums
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Here are a few strategies that can help you get cheap full-coverage car insurance:
Compare quotes from at least three insurers. Full-coverage auto insurance rates can vary widely between companies. Comparing quotes from at least three different companies can ensure you get the best deal for your driver profile and coverage needs.
Increase your deductible. Choosing a higher deductible can lower your premium, and sometimes by a substantial amount. Just make sure to pick an amount you can comfortably afford, in case you need to file a claim.
Bundle your auto and home insurance. Most insurers offer deep insurance discounts when you combine policies. Bundling also streamlines your insurance billing and claims.
Enroll in a telematics or safe driving program. Usage-based programs track your mileage and driving habits, rewarding safe behavior with lower rates. If you drive less, brake gently, and avoid late-night trips, you may save even more.
Ask about discounts. Insurers offer discounts for things like anti-theft devices, continuous coverage, good grades, and being claims-free. These small savings can add up fast.
Review your coverage limits annually. Your coverage needs may change over time. Adjusting coverage levels or removing add-ons you no longer need can lower your premium without sacrificing coverage.
Full-coverage rates vary because insurers calculate your premium based on how likely you are to file a claim and how expensive that claim might be. Insurers consider factors such as your car’s value, your location, and your driving record to determine risk and pricing.
Here are the biggest factors that affect what you pay:
Vehicle value and repair costs: Newer or higher-value cars cost more to fix or replace, which increases your cost of car insurance.
Location: Dense areas with high traffic, theft, or extreme weather tend to have higher rates. Drivers in rural areas typically pay less than drivers in urban areas.[6]
Driving history: Accidents, tickets, or driving under the influence (DUI) convictions on your driving record signal a higher risk for claims and raise your car insurance premium.
Average minimum coverage cost: $101 per month
Average full coverage cost: $175 per month
Full coverage usually costs more because it protects you and your vehicle, not just other drivers and their vehicles.
Compare rates and save money on the coverage you need.
Here are answers to common questions to help you get affordable full-coverage car insurance that meets your needs.
Full coverage typically includes liability, comprehensive, and collision insurance. It covers damage you cause to others, plus the cost to repair or replace your own car after crashes, theft, weather events, and other claims.
Full coverage isn’t a single car insurance policy. It’s a bundle of liability insurance your state requires, plus optional collision and comprehensive insurance. Together, they protect your financial liability and your vehicle.
The national average cost of full-coverage car insurance is $175 per month, according to Compare.com data. Your actual car insurance costs depend on factors like your age, driving record, coverage limits, and vehicle type.
Our data shows that COUNTRY Financial has the cheapest full-coverage rates, with an average monthly rate of $72. But keep in mind that these rates are just averages, and your actual premiums may be higher or lower depending on your circumstances.
If you total your car, full coverage will pay up to the vehicle’s actual cash value, minus your deductible. If you have gap coverage on your auto insurance policy, it can cover your remaining loan balance.
Yes. Comprehensive insurance covers flood damage as part of a full-coverage insurance policy. It also pays for animal and weather damage, broken glass, fire, theft, and vandalism.
Yes. Comprehensive coverage pays for hail damage when you have full coverage. It helps cover the cost of dent repair, panel replacement, or a full vehicle replacement if the damage is severe enough to total it.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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