The cheapest full coverage car insurance, at a glance
While Travelers has the cheapest full coverage car insurance for most drivers among large companies, other insurers may be cheaper for drivers with different ages, driving records and credit scores.
Driver age
Young drivers | Progressive, $307 per month
Millennial drivers | Travelers, $143 per month
Gen X drivers | Travelers, $125 per month
Senior drivers | Travelers, $135 per month
Driving record
Speeding ticket | Travelers, $180 per month
At-fault accident | Travelers, $192 per month
DUI | Progressive, $234 per month
Credit history
These are median rates from NerdWallet's April 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet’s editorial team analyzed rates for full coverage from pricing analytics company Quadrant Information Services. Our analysis looked at drivers in all ZIP codes across the 50 U.S. states and Washington, D.C., for a variety of ages, driving histories and credit scores.
Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our analysis due to a lack of publicly available information.
For a more detailed explanation of how we made our picks, check out our full methodology below.
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the rates we show you because our team of analysts rigorously eliminates outliers and inaccuracies in pricing data. We gather and analyze rates data from every ZIP code in a state where coverage is offered and such data is available.
When we compare rates across driving profiles, we change only one variable at a time. This way, it’s easy to see how each factor affects the cost of auto insurance.
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What is full coverage car insurance?
“Full coverage” isn’t really a single type of car insurance. Instead, it’s a term for a policy that has all of the coverage your state requires plus comprehensive and collision coverage — two types of insurance that cover most types of damage to your car.
Most drivers need full coverage because auto lenders usually require it. If you need full coverage but you’re having trouble finding a policy that you can afford, comparing car insurance rates from a few companies may help you avoid paying more than you need to.
Cheapest full coverage auto insurance companies
On average, Travelers has the cheapest full coverage car insurance among the largest car insurance companies, with an average rate of $139 per month and $1,664 per year.
Travelers isn’t the only company that has cheap rates for full coverage. Other insurers, including smaller companies you might not have heard of, may offer better rates than large insurance companies do.
For example, NJM is available in only 5 states but has an average rate of $185 a year for full coverage. Meanwhile, Farmers is available in 40 states and has an average rate of $337 a year.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,664 | $139 |
| USAA* | $1,560 | $130 |
| GEICO | $2,053 | $171 |
| Progressive | $2,057 | $171 |
| State Farm | $2,123 | $177 |
| American Family | $2,676 | $223 |
*USAA is available only to military families, veterans and some federal employees.
Best and cheapest companies for full coverage
It’s possible to find relatively cheap full coverage from one NerdWallet’s picks for the best car insurance companies. In other words, you don't need to sacrifice quality for the sake of affordability.
The editors at NerdWallet awarded each of these large companies a rating of at least 4.5 stars out of 5 for customer service, financial stability, online experience and discount offerings:
GEICO (5.0 NerdWallet Rating out of 5): $2,053 per year, $171 per month.
American Family (4.9 NerdWallet Rating): $2,676 per year, $223 per month.
Travelers (4.9 NerdWallet Rating): $1,664 per year, $139 per month.
Nationwide (4.8 NerdWallet Rating): $2,794 per year, $233 per month.
Progressive (4.8 NerdWallet Rating): $2,057 per year, $171 per month.
State Farm (4.8 NerdWallet Rating): $2,123 per year, $177 per month.
USAA* (4.7 NerdWallet Rating): $1,560 per year, $130 per month.
Farmers (4.6 NerdWallet Rating): $4,042 per year, $337 per month.
*USAA is available only to military families, veterans and some federal employees.
What should you look for in companies with cheap full coverage?
Price is likely the most important factor for many people shopping for car insurance. That said, it’s not the only one. Once you have a couple of companies with cheap rates in mind, pay attention to each insurer’s coverage options, reputation for service and financial strength.
This way, you’ll have a good idea whether the insurer you ultimately choose offers the coverage you need and is likely to be there for you if you have to make a future claim.
Andrew Hurst, Licensed Auto Insurance Professional
Cheap full coverage car insurance companies by state
Your location can have a big effect on the cost of full coverage car insurance. Rates are different across states and can even change substantially from city to city.
We found which insurer has the cheapest full coverage, on average, in all 50 states and Washington, D.C.
Cheapest full coverage auto insurance companies by age
Your age is another major factor that affects the cost of full coverage and your cheapest company. Full coverage is usually most expensive for young newly licensed drivers, who may be more likely to be involved in an accident than someone with more driving experience.
It’s worth comparing the cost of full coverage as you age. Since rates change regularly, it’s not a sure thing that one company will remain your cheapest option for full coverage.
On average, Progressive has the cheapest full coverage for young drivers, with an average rate of $307 per year or $3,682 per month.
Company Median annual rate Median monthly rate Progressive $3,682 $307 GEICO $3,780 $315 Travelers $3,980 $332 State Farm $4,678 $390 American Family $5,002 $417 USAA* $3,407 $284 *USAA is available only to military families, veterans and some federal employees.
On average, Travelers has the cheapest full coverage for millennial drivers, with an average rate of $143 per year or $1,711 per month.
Company Median annual rate Median monthly rate Travelers $1,711 $143 GEICO $2,064 $172 Progressive $2,146 $179 State Farm $2,174 $181 USAA* $1,634 $136 American Family $2,687 $224 *USAA is available only to military families, veterans and some federal employees.
On average, Travelers has the cheapest full coverage for Gen X drivers, with an average rate of $125 per year or $1,495 per month.
Company Median annual rate Median monthly rate Travelers $1,495 $125 Progressive $1,744 $145 GEICO $1,874 $156 State Farm $2,015 $168 American Family $2,466 $206 USAA* $1,376 $115 *USAA is available only to military families, veterans and some federal employees.
On average, Travelers has the cheapest full coverage for senior drivers, with an average rate of $135 per year or $1,618 per month.
Company Median annual rate Median monthly rate Travelers $1,618 $135 Progressive $1,707 $142 State Farm $1,925 $160 GEICO $2,059 $172 Nationwide $2,498 $208 USAA* $1,303 $109 *USAA is available only to military families, veterans and some federal employees.
Cheap full coverage auto insurance by driving history
Your driving history might have the biggest impact on how much you’ll pay for full coverage. You’ll almost always pay more for full coverage if you've been involved in a recent accident or cited for a driving violation.
At the same time, plenty of insurance companies still offer relatively cheap full coverage for high-risk drivers who face higher costs.
On average, Travelers has the cheapest full coverage after a speeding ticket, with an average rate of $180 per year or $2,160 per month.
Company Median annual rate Median monthly rate Travelers $2,160 $180 State Farm $2,441 $203 GEICO $2,713 $226 Progressive $2,781 $232 American Family $3,216 $268 USAA* $1,888 $157 *USAA is available only to military families, veterans and some federal employees.
On average, Travelers has the cheapest full coverage after an at-fault accident, with an average rate of $192 per year or $2,304 per month.
Company Median annual rate Median monthly rate Travelers $2,304 $192 State Farm $2,691 $224 Progressive $3,115 $260 GEICO $3,483 $290 American Family $3,485 $290 USAA* $2,239 $187 *USAA is available only to military families, veterans and some federal employees.
On average, Progressive has the cheapest full coverage if you have a DUI, with an average rate of $234 per year or $2,812 per month.
Company Median annual rate Median monthly rate Progressive $2,812 $234 USAA* $3,041 $253 Travelers $2,929 $244 State Farm $3,126 $261 American Family $3,509 $292 Allstate $4,675 $390 *USAA is available only to military families, veterans and some federal employees.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap full coverage car insurance for drivers with poor credit
In most states your credit history can affect the cost of full coverage. Insurance companies consider your credit-based insurance score (an estimate of how likely they think you are to make a claim) when setting your rates.
Having a low credit-based insurance score usually means that it will be much harder to find cheap full coverage. We found that, on average, drivers with poor credit pay 69% more per year for full coverage than drivers with good credit.
On average, Travelers has the cheapest full coverage for drivers with good credit, with an average rate of $139 per year or $1,664 per month.
Company Median annual rate Median monthly rate Travelers $1,664 $139 USAA* $1,560 $130 GEICO $2,053 $171 Progressive $2,057 $171 State Farm $2,123 $177 American Family $2,676 $223 *USAA is available only to military families, veterans and some federal employees.
On average, Travelers has the cheapest full coverage for drivers with good credit, with an average rate of $239 per year or $2,862 per month.
Company Median annual rate Median monthly rate Travelers $2,862 $239 GEICO $2,883 $240 Progressive $3,218 $268 American Family $4,053 $338 Nationwide $4,194 $350 USAA* $2,832 $236 *USAA is available only to military families, veterans and some federal employees.
Ways to find the cheapest full coverage car insurance
Full coverage is likely to cost more than other kinds of insurance because it combines several types of coverage. But that doesn’t mean it’s impossible to find companies offering cheap rates for full coverage.
Here are six things that we recommend trying to get your best deal:
Shop around for coverage. Compare the cost of full coverage from at least three companies before you buy or renew a policy.
Raise your deductibles. If you can commit to raising your deductibles and paying more out of pocket in the event of a future claim, it could be an easy way to lower your rates.
Ask for discounts. You could save money from car insurance discounts you’re not already taking advantage of if you’re driving less, or if you can bundle insurance for your car and house.
Cash in on major life changes. Shopping around after a major life event, such as a marriage or a big move, could help you to lower your rates.
Compare rates if you’ve kept a safe driving record. You could find a company offering cheaper full coverage if you’ve been a safe driver for a few years (even if a previous accident or driving violation raised your rates).
Consider insurance costs while shopping for a car. Full coverage for a new, expensive car will cost more than a policy for an older model with lower-tech features.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a variety of driver ages.
These are rates generated through Quadrant Information Services. Your own rates will be different.
