Full coverage car insurance is more expensive than policies that only include liability insurance. But you can still find savings with the right insurer.
The average cost of a full coverage car insurance policy is $2,399 per year or $200 per month. This is more than double the average price of car insurance policies that only meet state-minimum car insurance requirements. State Farm is our selection for the cheapest, widely-available full coverage policy in the country, with an average annual rate of $1,738 or $145 per month.
Compare Auto Insurance Quotes in Your Area
However, prices for full coverage policies vary widely by state and insurer, and we’ve analyzed rates of the major insurers in every state to rank the cheapest on average. And because the cheapest company isn’t necessarily the best, we’ve recommendations for the best full coverage car insurance companies in the country.
Ultimately, no single insurer will offer the most affordable full coverage quotes for everyone, so it’s best to use our analysis as a jumping off point to shop around for cheap full coverage auto insurance near you.
The cheapest companies for full coverage car insurance
Our analysis found that State Farm is the cheapest widely-available company in the country for full coverage policies with an average annual rate of $1,728, or $145 per month.
However, there are plenty of cheap alternatives depending on your location and qualifying status:
- At $109 per month, USAA is the cheapest full coverage option of all sampled insurers. But you’ll need to be active or retired military member to qualify.
- On average, Erie insurance is also cheaper than State Farm at $127 per month. But it’s only available in 12 states in the Northeast and Midwest.
- Finally, if a Farm Bureau affiliate is offering car insurance in your state, a full coverage policy costs approximately the same on average as State Farm: $148 per month.
The extra protection included in a full coverage policy costs an additional $123 per month compared to getting a minimum coverage policy from the same insurer.
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The average cost of a full coverage car insurance policy is $2,399 per year or $200 per month. This is more than double the average price of car insurance policies that only meet state-minimum car insurance requirements. State Farm is our selection for the cheapest, widely-available full coverage policy in the country, with an average annual rate of $1,738 or $145 per month.
Compare Auto Insurance Quotes in Your Area
However, prices for full coverage policies vary widely by state and insurer, and we’ve analyzed rates of the major insurers in every state to rank the cheapest on average. And because the cheapest company isn’t necessarily the best, we’ve recommendations for the best full coverage car insurance companies in the country.
Ultimately, no single insurer will offer the most affordable full coverage quotes for everyone, so it’s best to use our analysis as a jumping off point to shop around for cheap full coverage auto insurance near you.
The cheapest companies for full coverage car insurance
Our analysis found that State Farm is the cheapest widely-available company in the country for full coverage policies with an average annual rate of $1,728, or $145 per month.
However, there are plenty of cheap alternatives depending on your location and qualifying status:
- At $109 per month, USAA is the cheapest full coverage option of all sampled insurers. But you’ll need to be active or retired military member to qualify.
- On average, Erie insurance is also cheaper than State Farm at $127 per month. But it’s only available in 12 states in the Northeast and Midwest.
- Finally, if a Farm Bureau affiliate is offering car insurance in your state, a full coverage policy costs approximately the same on average as State Farm: $148 per month.
The extra protection included in a full coverage policy costs an additional $123 per month compared to getting a minimum coverage policy from the same insurer.