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The cheapest full coverage car insurance starts at $88 per month and the cheapest full coverage companies include USAA, Nationwide and Geico.
Whats The Cheapest Full Coverage Insurance
At Home Media's review team, we've compared the best car insurance companies to find the most affordable options for drivers. In this article, we'll show you which companies offer the cheapest comprehensive car insurance and our top picks.
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Why trust our team? The Home Media Reviews team is dedicated to providing reliable information to help you make the best decision about your auto insurance. Our researchers, writers and editors are dedicated to researching providers and analyzing customer feedback and insights so you can choose with confidence.
Based on our rate estimates, USAA offers the cheapest full coverage car insurance for a 35-year-old with a clean driving record at an average price of $88 per month. But USAA is only available to military members, veterans and their children. When it comes to mass market providers, Nationwide is the cheapest option, with monthly fees averaging $107.
Next, we look at the cheapest comprehensive car insurance companies broken down by state, driver age and driving record.
Your location is one of the biggest factors affecting your car insurance premium. This section shows the cheapest provider based on our estimates for a 35-year-old driver in each state.
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While companies like Geico and USAA usually offer cheap car insurance, the cheapest company varies in each state. Regional providers like Country Finance and Farm Bureau Insurance are also often affordable, so we encourage you to compare all your options.
*This table does not include USAA. Although the cheapest provider in most states, it is only available to military members, veterans and their children.
Age is another important factor when paying for full coverage car insurance. Young drivers pay more for car insurance because they are associated with higher rates of accidents and violations. Our averages show that Geico is often the cheapest provider for drivers of various ages.
Your driving history has a big impact on the rates you pay. Depending on your state, you may pay higher car insurance rates for three to five years after an accident or violation.
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Based on our average rates, State Farm, Nationwide and Geico are generally affordable for drivers with an accident or violation. However, this is not always the case. Let's look at the average fees for different situations.
And has an average annual rate of $1,656. Here we found that speeding 16 to 20 MPH over our average limit applies, and these types of speeding tickets increase fees by an average of $583 per year.
Running a stop sign puts people in danger and will certainly increase your insurance rates. Our estimates show that drivers pay an extra $550 a year for these types of violations. Nationwide is the cheapest mass market provider on our list with average fees of $1,650 annually.
Having a DUI on your record can make your insurance rates very high. Our estimates show drivers pay about $1,547 more per year to keep a DUI on their records. That's about 89% more than average rates for a driver with a clean record. If the DUI stays on your insurance record for three years, you'll pay about $4,641 during that time.
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Our averages show that State Farm is generally the most affordable provider to have a DUI on your record. American Family, Progressive and Travelers are also affordable.
On average, an at-fault accident can increase your rates by 55%. State Farm tends to be the cheapest domestic provider you'll have in this situation, offering average annual rates of $1,882.
An at-fault accident and a speeding ticket on the same driving record combine to increase your car insurance rates even more. Our averages show that drivers with these two marks on their records pay 86% more for car insurance annually. At this point, State Farm is the cheapest mass market supplier, averaging $2,077 per year.
With two at-fault accidents on your record, you will become a risky driver to insure. Our estimates show that drivers with two accidents pay more than twice as much as drivers with clean records, costing them an average of $2,031 per year.
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In this situation, you would probably be better off with State Farm, USAA, American Family or Nationwide, as they are the top four cheapest providers for drivers with two accidents on their records.
If you've had three at-fault accidents, you may struggle to find affordable car insurance. State Farm is a large insurer that offers the lowest rates for these drivers, averaging around $2,341 per year, but it's still expensive. On average, drivers with three at-fault accidents in their recent insurance history pay $3,706 more per year for car insurance than people with clean driving records.
After considering average cost estimates for different types of drivers, our top picks for the cheapest comprehensive auto insurance were Nationwide, State Farm, Geico, USAA and American Family.
Our top choice nationwide for the cheapest comprehensive car insurance. According to our data, the company averages 26% lower rates than the national average for good drivers. Nationwide is also the cheapest company for people with speeding tickets and minor offenses on their records.
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The company has an A+ rating and accreditation from the Better Business Bureau (BBB), which indicates that it responds quickly to complaints.
Pros Use-based SmartRide® and mileage-based SmartMiles® programs offer 11 discounts A+ ratings and BBB accreditation
Our review team contacted Nationwide for comment on their review but did not receive a response.
After comparing auto insurance companies based on cost, coverage, reputation, availability and customer experience, we rated State Farm 9.3 out of 10.0 and named it an Editors' Choice. State Farm offers a good combination of affordable prices, good customer service and a great selection of covers.
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Students can save with State Farm's student discount voucher and its usage-based Steer Clear® program for young drivers. The company has an A+ rating from the BBB.
Advantages A wide range of coverage options offer discounts for different types of drivers. Average full cover rates are around 14% cheaper than the national average. Rated 4.2 out of 5.0 for overall satisfaction in our auto insurance customer survey
Our review team reached out to State Farm for comment on their review, but did not hear back.
Geico is another reliable provider of cheap auto insurance. Our data shows Geico is the cheapest choice in most states, offering average prices 24% below the market average.
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In our survey of nearly 7,000 auto insurance consumers, about 16% of respondents had Geico insurance. These customers rated Geico 4.1 out of 5.0 for overall satisfaction and 4.2 for claims service. Geico also has an A+ rating from the BBB.
Pros offers 16 discounts on auto insurance rated 4.1 out of 5 for overall satisfaction in our auto insurance customer survey.
Our review team J.D. Geico has been reached for comment on the study's scores. Power, but no response.
No list of the cheapest full coverage auto insurance companies would be complete without USAA, as it tends to offer the lowest premiums for qualifying drivers. Our estimates show that USAA's comprehensive coverage rates average about $1,054 per year, which is 39% cheaper than the national average.
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USAA has high customer service scores and J.D. received the highest score in the US Auto Claims Satisfaction Study. Power 2021℠ with a score of 909 out of 1,000.
Benefits Profitable full coverage Auto insurance rates Discounts for military installations and on base One auto garage offers a usage-based insurance program SafePilot® 4.3 out of 5.0 for overall satisfaction in our auto insurance customer survey.
Our averages show that American Family Insurance is another provider that typically offers cheap full coverage car insurance. Their average fees are about 11% lower than the national average. It is one of the cheapest full coverage auto insurance options for drivers with a DUI or multiple accidents on their records.
American Family has an A rating from the BBB and the best overall satisfaction score in our auto insurance consumer survey, earning 4.5 out of 5.0 points.
Cheapest Full Coverage Auto Insurance
Pros Cheap full coverage auto insurance for most drivers 18 BBB ratings of 4.2 out of 5 for affordability in our auto insurance consumer survey.
Our review team reached out to American Family Insurance for comment on its BBB customer review score, but the company declined to comment.
Full coverage car insurance usually includes liability insurance and comprehensive and collision coverage. When combined, these three types of coverage indemnify other drivers when you cause an accident and protect your own
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