Cheapest Full-Coverage Car Insurance Companies (2025)
State Farm has the cheapest full-coverage car insurance among national companies, charging an average rate of $1,604 a year.
Cheapest companies for full-coverage car insurance
USAA and Erie Insurance offer the cheapest full-coverage car insurance rates nationally, with average rates that are under $1,400. However, Erie Insurance is only available in 12 states and the District of Columbia, while USAA is only sold to military personnel, veterans and their families.
State Farm has the cheapest full-coverage car insurance at $1,604 a year, on average, among nationwide insurance companies.
| Company | Average annual rate | LendingTree score | |
|---|---|---|---|
 | Erie | $1,375 |  |
 | Country Financial | $1,491 |  |
 | State Farm | $1,604 |  |
 | Auto-Owners | $1,740 | |
 | Travelers | $1,806 | |
 | Farm Bureau | $1,911 | |
 | American Family | $2,019 | |
 | Progressive | $2,078 | |
 | Geico | $2,109 |  |
 | Nationwide | $2,402 |  |
 | Amica | $2,784 | |
 | Allstate | $2,960 | |
 | AAA | $2,988 |  |
 | Farmers | $3,462 | |
 | USAA | $1,322 | |
*Only available to current/former military and their families.
How much does full-coverage car insurance cost by state?
Full-coverage car insurance costs $2,101 a year, or $175 a month, on average. Your rate is based on several factors, including where you live.
Average full-coverage rates range from $1,243 a year in Maine to $3,439 in Nevada. However, you can find cheaper rates by comparing car insurance quotes from multiple companies.
| State | Average statewide rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Alabama | $2,322 | State Farm | $1,231 |
| Alaska | $1,694 | State Farm | $1,383 |
| Arizona | $2,618 | State Farm | $1,652 |
| Arkansas | $2,314 | State Farm | $1,359 |
| California | $2,017 | Geico | $1,486 |
| Colorado | $2,892 | State Farm | $1,948 |
| Connecticut | $2,325 | Travelers | $1,183 |
| Delaware | $2,758 | State Farm | $1,787 |
| Florida | $3,267 | State Farm | $1,957 |
| Georgia | $2,194 | Farm Bureau | $1,334 |
| Hawaii | $1,484 | Geico | $829 |
| Idaho | $1,330 | State Farm | $658 |
| Illinois | $2,146 | Country Financial | $1,232 |
| Indiana | $1,560 | Travelers | $1,272 |
| Iowa | $1,901 | State Farm | $1,050 |
| Kansas | $2,099 | Travelers | $1,405 |
| Kentucky | $2,378 | Farm Bureau | $1,689 |
| Louisiana | $2,989 | Farm Bureau | $1,746 |
| Maine | $1,243 | Travelers | $938 |
| Maryland | $2,034 | State Farm | $1,408 |
| Massachusetts | $1,740 | Geico | $1,320 |
| Michigan | $3,151 | Progressive | $1,906 |
| Minnesota | $2,037 | Travelers | $1,269 |
| Mississippi | $1,968 | State Farm | $1,144 |
| Missouri | $2,041 | American Family | $1,645 |
| Montana | $2,218 | State Farm | $912 |
| Nebraska | $1,933 | State Farm | $1,391 |
| Nevada | $3,439 | Travelers | $2,005 |
| New Hampshire | $1,278 | Hanover | $681 |
| New Jersey | $2,384 | Geico | $1,163 |
| New Mexico | $2,037 | State Farm | $1,464 |
| New York | $2,274 | Progressive | $1,201 |
| North Carolina | $1,672 | Erie | $789 |
| North Dakota | $1,897 | State Farm | $1,333 |
| Ohio | $1,373 | Geico | $690 |
| Oklahoma | $2,400 | State Farm | $1,541 |
| Oregon | $2,218 | State Farm | $1,302 |
| Pennsylvania | $2,060 | Travelers | $1,216 |
| Rhode Island | $2,838 | Travelers | $1,894 |
| South Carolina | $1,812 | Auto-Owners | $1,460 |
| South Dakota | $2,070 | State Farm | $1,289 |
| Tennessee | $1,887 | Erie | $1,379 |
| Texas | $2,184 | Texas Farm Bureau | $1,036 |
| Utah | $2,266 | Progressive | $1,665 |
| Vermont | $1,283 | State Farm | $714 |
| Virginia | $1,684 | Farm Bureau | $1,256 |
| Washington | $1,909 | State Farm | $1,180 |
| Washington DC | $2,371 | Geico | $2,095 |
| West Virginia | $1,788 | Erie | $1,361 |
| Wisconsin | $1,616 | Erie | $1,236 |
| Wyoming | $1,491 | State Farm | $1,196 |
Cheapest company for full-coverage car insurance with a ticket
Erie Insurance, USAA and State Farm are the cheapest companies for full-coverage car insurance after a speeding ticket, with all three offering average rates under $2,000 a year.
Insurance companies can raise your rates by 22% on average after a ticket, while Amica Mutual raises full-coverage rates by just 7%.
| Company | Annual rate after a ticket | % increase from a clean record |
|---|---|---|
| Erie | $1,551 | 12.80% |
| Country Financial | $1,952 | 30.92% |
| State Farm | $1,755 | 9.41% |
| Auto-Owners | $1,883 | 8.22% |
| Travelers | $2,319 | 28.41% |
| Farm Bureau | $2,156 | 12.82% |
| American Family | $2,414 | 19.56% |
| Progressive | $2,728 | 31.28% |
| Geico | $2,763 | 31.01% |
| Nationwide | $3,178 | 32.31% |
| Amica | $2,987 | 7.29% |
| Allstate | $3,513 | 18.68% |
| AAA | $3,954 | 32.33% |
| Farmers | $4,589 | 32.55% |
| USAA | $1,603 | 21.26% |
Cheapest rates for full-coverage car insurance with an accident
Erie Insurance has the cheapest full-coverage car insurance rates if you’ve been in an accident at $1,806 a year, on average. Car insurance rates go up around 49% after an accident. State Farm offers the next-cheapest average annual rates at $1,846.
| Company | Annual rate after an accident | % increase from a clean record |
|---|---|---|
| Erie | $1,806 | 31.35% |
| State Farm | $1,846 | 15.09% |
| Country Financial | $2,162 | 45.00% |
| Auto-Owners | $2,400 | 37.93% |
| Travelers | $2,524 | 39.76% |
| Farm Bureau | $2,586 | 35.32% |
| Progressive | $3,102 | 49.28% |
| American Family | $3,191 | 58.05% |
| Geico | $3,634 | 72.31% |
| Nationwide | $3,853 | 60.41% |
| Amica | $4,313 | 54.92% |
| Allstate | $4,709 | 59.09% |
| AAA | $5,205 | 74.20% |
| Farmers | $5,535 | 59.88% |
| USAA | $1,809 | 36.84% |
Cheapest company for full-coverage car insurance for young drivers
Country Financial offers the cheapest full-coverage policies to teen drivers at an average rate of $3,050 a year. Young drivers pay about 191% more for car insurance than older drivers do.
To save money on car insurance as a young driver, see if your insurance company offers a good-student discount or an away-at-school discount.
| Company | Annual rate |
|---|---|
| Country Financial | $3,050 |
| Erie | $3,108 |
| Farm Bureau | $4,371 |
| State Farm | $4,577 |
| Auto-Owners | $4,839 |
| Geico | $5,590 |
| Travelers | $5,978 |
| American Family | $6,385 |
| AAA | $7,472 |
| Nationwide | $8,214 |
| Progressive | $8,434 |
| Allstate | $8,547 |
| Amica | $9,943 |
| Farmers | $11,931 |
| USAA | $3,188 |
Cheapest company for full-coverage car insurance with bad credit
Country Financial, USAA and Erie Insurance are the cheapest companies for a full-coverage policy if you have bad credit. On average, drivers with a Country Financial policy pay $2,318 a year.
Drivers with bad credit pay an average of 105% more for car insurance than drivers with good credit.
If you live in California, Hawaii, Massachusetts or Michigan, your credit score won’t impact your car insurance rate.
| Company | Annual rate |
|---|---|
| Country Financial | $2,318 |
| Erie | $3,174 |
| Farm Bureau | $3,202 |
| American Family | $3,313 |
| Geico | $3,409 |
| Travelers | $3,419 |
| Nationwide | $3,533 |
| Progressive | $3,621 |
| Auto-Owners | $4,718 |
| Allstate | $4,855 |
| Farmers | $6,003 |
| Amica | $6,247 |
| State Farm | $6,484 |
| AAA | $7,710 |
| USAA | $2,418 |
The best full-coverage car insurance companies
Best full-coverage car insurance for most drivers: State Farm
State Farm is a great option for a full-coverage policy if you’re looking for affordable rates and a reliable insurer. Full-coverage policies with State Farm cost $1,604 a year, on average, which is 24% less than the national average rate of $2,101. State Farm also offers several car insurance discounts that can help you save money, such as savings of up to $1,273 if you bundle your car and home insurance policies. State Farm also has a strong financial strength rating from AM Best, which reflects its ability to pay out claims.
Best mid-size company for full-coverage car insurance: Erie Insurance
Erie Insurance offers low rates and has high customer service scores. Full-coverage car insurance from Erie Insurance costs $1,375 a year, on average. Compared to its competitors, Erie Insurance has one of the best customer satisfaction ratings from J.D. Power’s 2024 Auto Insurance Study.
Erie also offers unique coverages, such as its rate lock feature. This protects you from future rate increases by keeping your rate the same until you make major changes to your policy, like moving.
Best coverage options: Amica
Although Amica has above-average rates for full-coverage car insurance at $2,784 a year, it offers a wide range of optional coverages. Amica offers a Platinum Choice Auto package, which includes new car replacement if your car is less than a year old or has fewer than 1,500 miles, and prestige rental car coverage that has no daily limit.
Do I need full coverage on my car?
No state law requires full-coverage car insurance, but most lenders require it if you lease or finance your vehicle.
Even if you don’t need it, though, full-coverage car insurance is worth considering.
Full-coverage car insurance policies usually include liability, collision and comprehensive coverages to fully protect against injuries and vehicle damage. Liability car insurance coverage covers property damage and injuries you cause in a car accident. Collision and comprehensive coverage both help repair or replace your own vehicle if it’s damaged from a covered peril.
If you have a new or expensive car, full-coverage insurance can protect you from high repair or replacement costs. If you have an older car, the payout may not be worth the cost of a full-coverage policy.
How do I get affordable full-coverage insurance?
To get the cheapest full-coverage car insurance, compare quotes, increase your deductible and see if you qualify for discounts.
- Compare quotes from many car insurance companies. Start by getting full-coverage insurance quotes from several different insurance companies. Use the same limits and deductible amounts for each insurer to make the best comparison. Check each company’s customer satisfaction ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC) Complaint Index as well.
- Raise your deductible. The higher your deductible, the lower your car insurance rate. This can be a good step if you have a clean driving record. Don’t choose a deductible amount you can’t afford to pay if you need to file a claim, though.
- Look for discounts. Most auto insurance companies offer a range of discounts to stay competitive. Ask an agent which discounts could drive your rate down.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.