Cheap Full Coverage Car Insurance for 2025

For many drivers, having full coverage is unavoidable. If you have a loan on your car or drive a lease, chances are that you will be required to have full coverage.

While full coverage is more expensive than a policy that has only minimum or liability coverage, some insurers do offer cheap coverage. We compared rates data for top insurers, then separated our results into categories to help you see which company might be the cheapest option for you.

The cheapest full coverage car insurance, at a glance

• 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.

  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

  • 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 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C.

  You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in the state 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.

What is full coverage car insurance?

Full coverage car insurance is a term for a policy that has comprehensive and collision coverage, in addition to all of the types of coverage that your state’s laws require you to have.

A policy with minimum coverage, or the least amount of insurance required in a state, pays for the damage that you cause to other people’s vehicles after an at-fault crash. Unfortunately, it won’t cover damage to your own car. If you want to protect your own vehicle, you’ll need full coverage.

» MORE: Everything to know about full coverage

The cheapest full coverage car insurance comes from Travelers, which has an average rate of $1,714 per year — cheaper than the national average of $2,308. While Travelers has the cheapest full coverage, on average, there are other insurers that have cheap rates too.

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

• 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 companies may not have the cheapest full coverage. 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: $2,559 per year.

• Auto-Owners: $1,969 per year.

• State Farm: $2,142 per year.

• Travelers: $1,714 per year.

• USAA: $1,499 per year. (USAA is available only to active duty 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.

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 three times as much for full coverage insurance as those in Wyoming. And even within Florida, a driver in Fort Lauderdale could pay $5,404 a year, on average, compared to $3,943 for the same coverage in Jacksonville.

We found which insurer has the cheapest full coverage, on average, in all 50 states and Washington, D.C.

Your age is another major factor that affects the cost of full coverage. Young, often newly licensed drivers are more likely to be involved in an accident than someone older with more experience behind the wheel. Because of this, car insurance is usually more expensive for younger drivers than it is for older drivers.

For example, our October 2025 analysis showed that a 20-year-old driver with a clean driving record could pay $391 a month, on average, for full coverage. Meanwhile, a 40-year-old with a recent speeding ticket might pay $238 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, while the average cost of full coverage is $2,308 for someone with a clean driving record, it's $3,415 per year if that driver has been in an at-fault accident.

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 67% 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.

Ways to find the cheapest full coverage car insurance

Because it combines several coverage types, 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 in case 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 may happen 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