Cheap Full Coverage Car Insurance for 2025

On average, Travelers has the cheapest full coverage insurance at $148 a month. But according to NerdWallet's August 2025 analysis, it's not the only company that offers affordable full coverage.

We compared rates data from the nation’s top insurers, then separated our results into categories to help you see which company might be the cheapest option for you.

• How we found the cheapest companies

  NerdWallet’s editorial team analyzed full coverage car insurance rates 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., with a variety of ages, driving histories and credit scores. All drivers had a 2025 Toyota Camry LE.

  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.

• Why you can trust NerdWallet

  Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.

Finding cheap full coverage car insurance

Because it combines several types of coverage, cheap full coverage insurance can be tough to find. Full coverage car insurance can easily cost four times the price of minimum required coverage in some cases.

Here are six things you can try to get affordable full coverage car insurance:

• Get multiple quotes. Compare car insurance quotes from multiple insurers. You may find that you already have the cheapest option, but prices can change. We recommend checking once a year.

• Ask for discounts. You could save money from car insurance discounts you’re not already taking advantage of. For example, if you work from home and don’t drive much, you might be eligible for a low-mileage discount. Other common discounts are given for bundling insurance policies and insuring multiple cars on the same policy.

• Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, you may get a lower rate if you got married or moved in with a domestic partner. You might also save on insurance if you moved from a city to a suburb with lower accident and crime rates. 

• Raise your deductible. The higher your deductible, the more you pay out of pocket before insurance pays for a covered claim. By raising your deductible, you’ll often lower your premium — just make sure you have enough money set aside to cover the higher deductible if you ever need to file a claim.

• Shop for quotes after your driving record improves. If a recent accident, speeding ticket or DUI increased your insurance premium, you might be able to find cheaper rates from another insurer. You can also shop for car insurance after the violation has dropped off your driving record, which typically happens within three to five years.

• Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. New and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure and see if your vehicle made the list.

» MORE: How to get the cheapest car insurance rates possible

Here are average prices for full coverage insurance from nine of the largest car insurance companies nationwide. We’ve sorted the results to show which insurers offer the cheapest rates according to our August 2025 analysis. Although USAA often has some of the lowest rates among big insurers, it isn’t ranked with the others because it’s available only to drivers with a military connection.

You may also want to compare rates from smaller, regional insurers in your area. While availability can be limited for these companies, smaller insurers may offer more affordable full coverage car insurance than a large company. For example, NJM is available in only five states but has an average rate of $2,336 a year for full coverage. Meanwhile, Farmers is available in 40 states and has an average rate of $4,492 a year.

• Read more auto reviews from NerdWallet

  • AAA

  • Acceptance

  • Allstate

  • American Family

  • American National

  • Amica

  • Auto-Owners

  • Bristol West

  • Chubb

  • Clearcover

  • Connect

  • Country Financial

  • Dairyland

  • Direct Auto Insurance

  • Elephant

  • Encompass

  • Erie

  • Farm Bureau

  • Farmers

  • Fred Loya

  • Gainsco

  • GEICO

  • The General

  • Georgia Farm Bureau

  • GoAuto

  • Good2Go

  • The Hanover

  • Infinity

  • Kemper

  • Lemonade

  • Liberty Mutual

  • Mapfre

  • Mercury

  • Nationwide

  • National General

  • NJM

  • Progressive

  • Root

  • Safeco

  • Safety Insurance

  • Shelter

  • State Farm

  • Texas Farm Bureau

  • Toggle

  • Travelers

  • USAA

  • Wawanesa

Price is likely a major factor when deciding which insurance company to choose, but it shouldn’t be the only one. In fact, the best full coverage insurance providers may not be the cheapest. If you want cheap full coverage insurance without sacrificing high-quality service, compare the average rates for full coverage car insurance from NerdWallet’s best car insurance companies.

Each of these companies earned a NerdWallet 5-star rating, although not all of them offer policies in every state.

• American Family: $2,583 per year.

• Auto-Owners: $2,179 per year.

• State Farm: $2,465 per year.

• Travelers: $1,776 per year.

• USAA: $1,663 per year. (USAA is available only to military, veterans and their families.)

Cheap full coverage insurance for different drivers

Many factors go into determining your car insurance rates, including your location and driving history. NerdWallet put together lists of the companies with the cheapest full coverage rates for different driver profiles to show what you might expect to pay for full coverage car insurance.

Your location can have a big effect on how much you pay for full coverage auto insurance. For example, our analysis of the average car insurance cost showed that drivers in Florida pay more than two times as much for full coverage insurance as those in Wyoming. And even within Florida, a driver in Fort Lauderdale could pay $4,859 a year, on average, compared to $3,545 for the same coverage in Jacksonville.

Here are the cheapest insurers, on average, in all 50 states and Washington, D.C.

Your age plays a big factor when it comes to the cost of full coverage because insurance companies may associate age with experience and safe driving habits. For example, our August 2025 analysis showed that a 20-year-old driver with a clean driving record could pay $429 a month, on average, for full coverage. Meanwhile, a 40-year-old with a recent speeding ticket might only pay $263 for the same coverage.

Here are average full coverage rates from the largest insurers for several common age groups.

Your driving history might have the biggest impact on how much you’ll pay for coverage. For example, Travelers has the cheapest full coverage insurance rates from large insurers, on average, for drivers with an at-fault accident on their record. You can see how other companies compare below.

Here are average full coverage rates from the largest insurers in the nation for each driver profile.

You may not realize that your credit history can affect car insurance costs. Depending on where you live, insurers may calculate a credit-based insurance score to determine how likely you are to file a claim. This credit-based insurance score is different from your actual credit score, but it is also calculated using information from your credit history. Drivers with poor credit pay 68% more, on average, than drivers with good credit.

California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.

Here are average full coverage rates from the largest auto insurance companies for drivers with both good and poor credit.

Shop around and compare quotes from multiple insurers to increase your odds of finding affordable full coverage car insurance even if you don’t have good credit. Include quotes from smaller and regional companies as they may provide the best rates.