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The cheapest full coverage auto insurance starts at an average of $88 per month, and companies with the cheapest full coverage include USAA, Nationwide and Geico
Usaa Full Coverage Car Insurance Cost
We at Home Media review team have compared the best car insurance companies to find the cheapest options for drivers. In this article, we'll look at which companies offer the cheapest fully insured car insurance and present our top picks.
Usaa Car Insurance Quote
Why Trust Our Team The Home Media Reviews team is committed to providing reliable information to help you make the best decision about your auto insurance. Our researchers, writers and editors are committed to researching suppliers and analyzing customer feedback and insights so you can choose with confidence.
According to our rate estimates, USAA offers the cheapest full coverage auto insurance at an average rate of $88 per month for a 35-year-old with a clean driving record. But USAA is only available to military personnel, veterans and their children. Looking at mass market providers, Nationwide is the cheapest option, with average monthly rates of $107.
Next, we look at the cheapest fully insured car insurance companies, broken down by country, driver age and driving record.
Your location is one of the biggest factors affecting your car insurance premium. This section shows the cheapest carrier based on our estimates for a 35 year old driver in each state.
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Although companies like Geico and USAA offer cheap car insurance on average, the cheapest company in each state varies. Regional carriers like Country Financial and Farm Bureau Insurance tend to be reasonable as well, so we encourage you to compare all your options.
*This table does not include USAA. Although it is often the cheapest provider in many states, it is only available to military personnel, veterans and their children.
Age is another important factor in how much you pay for full coverage car insurance. Younger drivers are associated with a higher rate of accidents and crime, so they pay more for car insurance. Our averages show that Geico is often the cheapest carrier for drivers of different ages.
Your driving record has a big impact on the rates you pay. Depending on your state, you may pay high car insurance rates for three to five years after an accident or collision.
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According to our rate averages, State Farm, Nationwide and Geico are the most affordable for drivers with an accident or crime. However, this is not always the case. Let's look at rate averages for a variety of situations.
And it has an average annual rate of $1,656. Our averages here apply to speeding 16 to 20 mph over the speed limit, and we found that this type of speeding ticket raises rates by an average of $583 per year.
Running a stop sign puts people at risk and definitely raises your insurance rates. Our estimates show that drivers pay an average of $550 more per year for this type of offence. Nationwide is the cheapest marketplace provider on our list, with average rates of $1,650 per year.
Keeping a DUI on your record can cause your insurance rates to skyrocket. Our estimates show that drivers pay an average of $1,547 more per year for having a DUI on their record. That's about 89% higher than the average rates for a driver with a clean record. If a DUI stays on your insurance record for three years, you'll pay about $4,641 more over that time.
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Our averages show that State Farm is generally the cheapest carrier to get with a DUI on your record. American Family, Progressive and Travelers are also reasonable.
An at-fault accident can increase your rates by around 55%, according to our averages. State Farm tends to be the cheapest national carrier available in this state, offering average annual rates of $1,882.
An at-fault accident and a speeding ticket on the same driving record together raise your car insurance rates even more. Our averages show that drivers with these two marks on their records pay 86% more for car insurance per year on average. In this case, State Farm is the cheapest mass market provider, at an average of $2,077 per year.
With two at-fault accidents on your record, you certainly become a more dangerous driver. Our estimates show that drivers with two accidents pay more than double what drivers with clean records pay on average, costing them an average of $2,031 more per year.
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In this situation, it's probably best to get State Farm, USAA, American Family, or Nationwide, as they are the four cheapest major carriers for drivers with two accidents on their records.
If you have been involved in three at-fault accidents, you may find it difficult to find cheap car insurance. State Farm is the major insurance company that typically offers the cheapest 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 a variety of driver types, our top picks for the cheapest full coverage auto insurance were Nationwide, State Farm, Geico, USAA and American Family.
Nationwide is our top choice for the cheapest fully insured car insurance. The company offers average rates around 26% cheaper than the national average for good drivers, according to our data. Nationwide is also one of the cheapest companies for people with speeding tickets and minor offenses on their records.
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The company has an A+ rating and certification from the Better Business Bureau (BBB), which shows that it responds quickly to complaints.
Pros offers usage-based SmartRide® and mileage-based SmartMiles® programs offer 11 A+ rated discounts and certification by BBB Score 4.1 out of 5.0 for overall satisfaction in our auto insurance customer survey
Our review team reached out to Nationwide for comment on its reviews but did not receive a response.
After comparing auto insurance companies on cost, coverage, reputation, availability and customer experience, we rate State Farm 9.3 out of 10.0 and name it an Editor's Choice. State Farm offers a good mix of affordability, good customer service, and a selection of coverages.
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Students can save with State Farm's great student discount and the usage-based Steer Clear® program for young drivers. The company has an A+ rating from the BBB.
Benefits A wide range of coverage options offer discounts for many types of drivers. Full coverage rates are on average around 14% cheaper than the national average, scored 4.2 out of 5.0 for overall satisfaction in our car insurance customer survey
Our review team reached out to State Farm for comment on its reviews but did not receive a response.
Geico is another reputable provider that offers cheap car insurance. Our data shows that Geico is the cheapest option in many states, offering average rates about 24% cheaper than the market average.
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In a survey we conducted of nearly 7,000 car insurance customers, approximately 16% of respondents had Geico insurance. These customers gave Geico a score of 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 car insurance discounts Rated 4.1 out of 5.0 for overall satisfaction in our consumer survey Car insurance offers a usage-based plan DriveEasy Cheap rates for those with minor offenses
Our review team reached out to Geico for comment on its score in the J.D. study. Power but no response.
A list of the cheapest auto insurance companies wouldn't be complete without USAA because it tends to offer the lowest premiums to qualified drivers. Our estimates show that USAA's full coverage rates average about $1,054 per year, which is 39% cheaper than the national average.
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USAA also has high customer service ratings and earned the highest rating in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠ with 909 out of 1,000 points.
Benefits Cheap auto insurance rates with full coverage Discounts for military deployment and on-base parking Offers a usage-based insurance plan SafePilot® scored 4.3 out of 5.0 for overall satisfaction in our Auto Insurance consumer survey
Our averages show that American Family Insurance is another provider that generally offers cheap full car insurance. Its average rates are around 11% cheaper than the national average. It is also one of the cheapest fully insured car insurance options for drivers with a DUI or multiple accidents on their records.
American Family has an A rating from the BBB and received the best overall satisfaction rating in our auto insurance consumer survey, with 4.5 out of 5.0 points.
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Full coverage car insurance benefits Inexpensive for many drivers Offers 18 BBB rated discounts of A Rated 4.2 out of 5.0 for affordability in our consumer survey Car insurance
Our review team reached out to American Family Insurance for comment on the BBB customer review score, but the company declined to comment.
Full coverage car insurance usually includes liability coverage and comprehensive and collision coverage. Together, these three types of coverage compensate other drivers when you cause an accident and also protect your own
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