Cheap Full Coverage Car Insurance
- Travelers offers the cheapest full coverage car insurance at $139/mo.
- An average full coverage car insurance policy costs $191/mo
- Full coverage includes state minimum liability coverage + comprehensive and collision.
Get cheap full coverage insurance with top providers — no spam calls, no junk mail, just real savings.
Why you can trust The Zebra
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
What is full coverage car insurance?
Full coverage car insurance combines your state-required liability coverage with comprehensive and collision insurance. Comprehensive and collision aren’t required by law, but they offer more protection for your vehicle — and your wallet — if something goes wrong. That extra protection usually comes with a higher premium.
How much does full coverage car insurance cost?
Full coverage auto insurance comes in at around $191 per month, assuming liability coverage limits of 50/100/50 with $500 deductibles[1]. For context, liability-only insurance costs $63 per month on average. Progressive offers the cheapest full coverage car insurance at $139 per month. See the top three cheapest insurance companies for full coverage, along with their review scores.
Updating data...
| Company | Liability Only | Full Coverage |
|---|---|---|
| Progressive | $304 | $835 |
| Travelers | $358 | $858 |
| GEICO | $238 | $899 |
| USAA | $245 | $902 |
| Nationwide | $443 | $1,146 |
| State Farm | $459 | $1,165 |
| Farmers | $497 | $1,381 |
| Allstate | $512 | $1,631 |
Source: The Zebra
The Zebra's coverage levels explained
When you search for quotes through The Zebra's comparison tool, you will be asked to select a coverage level. Each of these represents a different level of protection. Check them out here, and see average quotes from top insurance companies at each level below:
Basic 🥉
- Bodily injury: Your state's limits
- Property damage: Your state's limit
- Collision/comprehensive deductibles: $1,000 each
Better 🥈
- Bodily injury: $50K/$100K
- Property damage: $50K
- Collision/comprehensive deductibles: $1,000 each
Best 🥇
- Bodily injury: $100/$300K
- Property damage: $100K
- Collision/comprehensive deductibles: $1,000 each
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $1,594 | $266 |
| Farmers | $1,275 | $213 |
| GEICO | $923 | $154 |
| Nationwide | $1,187 | $198 |
| Progressive | $1,024 | $171 |
| State Farm | $1,169 | $195 |
| Travelers | $819 | $137 |
| USAA | $996 | $166 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Car insurance is specific. Use The Zebra to find the best full coverage for you
Cheap full coverage car insurance by rating factor
Your location, vehicle, age, and driving record heaviliy affect what you’ll pay for full coverage insurance. See the data below to compare quotes from top providers by rating factor.
Use The Zebra to instantly find the cheapest car insurance for you, online.
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Source: The Zebra
Cheapest full coverage by accident history
Typically, an at-fault accident will raise your rates more than any other demographic change. Some companies are more forgiving than others, though being smart with claims is a good way to keep premiums low. Comprehensive claims result in a much less severe increase.
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| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| Two comp claims | $1,661 |
| One comp claim | $1,616 |
| At-fault accident - greater than $2000 | $2,421 |
| None | $1,576 |
| At-fault accident - $1000-$2000 | $2,333 |
Source: The Zebra
Fetching your estimate
Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.
We can also help you:
Cheapest full coverage by age
No matter the company or coverage, teens pay the highest car insurance rates. Driving inexperience is associated with risk, so younger drivers see the steepest premiums. Check out the graph below for rates by age group from top companies.
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Source: The Zebra
Cheapest full coverage car insurance by credit tier
Insurance companies use your credit score to help predict risk. Drivers with lower credit scores tend to file more claims, and those claims often cost insurers more. Inversely, drivers with higher credit scores generally cost less to insure and in turn, pay lower premiums.
Updating data...
| Credit tier | Avg. 6 Mo. Premium |
|---|---|
| Poor (below 580) | $2,683 |
| Average (680-719) | $1,942 |
| Good (680-719) | $1,817 |
| Excellent (720+) | $1,597 |
Source: The Zebra
Car insurance quotes from real drivers
These quotes came straight from The Zebra's comparison tool. We search, you save.
Our licensed agents guided a driver in Mcpherson, KS to find this smart deal on their Kia Sorento with GEICO.
This quote from Progressive helped a Ford Explorer driver in Amboy, IN cut their insurance costs.
This quote from Liberty Mutual helped a Lincoln Town Car driver in Concord, NC cut their insurance costs.
Drivers in Fishers, IN are getting smart deals on Chevrolet Corvette coverage from Root Insurance.
This quote from Mendota helped a Hyundai Entourage driver in McKinney, TX cut their insurance costs.
This quote from The General helped a Jeep Grand Cherokee driver in Denver, CO cut their insurance costs.
What full coverage doesn’t include
"Full coverage" is more of a layman's term than a real thing," says Katie Gold, Head of Agency at The Zebra. "People often assume it means they’re completely protected, but it’s more complex than that — yes, it includes comprehensive and collision, but optional coverages like rental car coverage and roadside assistance are what really rounds out complete protection, and you pay extra for those."
Full coverage offers a solid start, but supplemental options can enhance your policy. Consider adding these optional coverages for more complete protection:
Is full coverage auto insurance required?
No — unlike liability coverage, full coverage isn't legally required by states. However, your lender will likely require it if you lease or finance your vehicle.
Even when it’s not required, there are a few situations where we recommend carrying full coverage.
Vehicles worth more than $4,000
Check values via Kelley Blue Book or NADA. Full coverage safeguards higher-value cars, though it may not be cost-effective for older, cheaper vehicles if you have the funds to pay for repairs out of pocket.
Vehicles you plan to sell
Carrying full coverage protects your resale value against total loss from collisions or severe weather, ensuring you do not lose your financial investment.
Vehicles whose drivers are high-risk
Adding collision and comprehensive coverage offers crucial financial protection for teen drivers or those with a history of accidents, provided the vehicle's market value justifies the cost.
Leased or financed vehicles
Lenders typically mandate full coverage — sometimes called force-placed or collateral protection insurance — to protect their investment until you own the vehicle outright.
While your state may only require liability coverage, we highly recommend considering additional coverage options to safeguard both you and your valuable assets. It's worth noting that 70% of The Zebra's customers choose to go with full coverage when they purchase a policy.[2]
How to save on full coverage car insurance
As we've noted, full coverage car insurance can be pricey. For the many drivers that need it, it's also unavoidable. Fortunately, there are ways to save:
- Increase your deductibles: Already have comprehensive and collision? Changing from a $500 to a $1,000 deductible can also lower premiums.
- Choose lower liability limits: This affects the maximum amount the insurance company will pay out in the event of an accident, but monthly rates are more affordable.
- Seek out discounts: Insurance companies offer a plethora of discount opportunities for which you may qualify, including safe driver, multi-policy, military, good student, and more.
- Compare quotes and shop around: Our best advice for finding the most affordable full coverage insurance policy is to compare quotes from several providers. The Zebra can help with that, online or over the phone. Enter your ZIP code below to get started.
Find the best full coverage insurance policy in just a few minutes.
In-house experts, on your side
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
With a 10-year career in the insurance industry, Jordan brings a wealth of experience in property and casualty insurance. He has experience in both c…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Health and Variable Annuities
- 10+ insurance experience
Full coverage insurance FAQs
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
