Finding the cheapest full coverage car insurance has become more important than ever as vehicle repair costs, medical expenses, and accident rates continue to rise. Full coverage provides additional protection compared to minimum liability, but it also costs significantly more. For drivers who want financial security without overspending, understanding how to find the cheapest full coverage car insurance can make a meaningful difference in yearly expenses.
This guide breaks down what full coverage includes, which companies offer the best prices, how to compare policies, and what factors influence your premium. Whether you’re insuring a new vehicle, financing a car, or simply want stronger protection, this guide will help you secure the cheapest full coverage car insurance in your state.
What Is the Cheapest Full Coverage Car Insurance?
The cheapest full coverage car insurance varies depending on the driver’s location, age, credit score, driving history, and vehicle type. However, national data consistently shows that the following companies tend to deliver the lowest full coverage prices:
State Farm
GEICO
Progressive
Nationwide
USAA (military households)
Farmers (specific regions)
These companies often compete aggressively for full coverage customers, offering discounts and telematics programs that lower monthly premiums.
Who Typically Offers the Cheapest Full Coverage Car Insurance?
Drivers looking for the cheapest full coverage car insurance will often find that different insurers dominate different states. However, the most affordable providers nationwide are:
State Farm
Known for stable pricing and one of the lowest average full coverage premiums.
GEICO
Frequent low rates for good drivers and strong telematics savings.
Progressive
Strong choice for drivers with prior claims or less-than-perfect records.
USAA
Lowest rates nationwide but limited to military families.
Nationwide
Competitive for bundling and multi-policy discounts.
Shopping across these companies is the best strategy for securing the cheapest full coverage car insurance for your area.
What Does Full Coverage Include?
Before finding the cheapest full coverage car insurance, it’s essential to understand what full coverage includes. Full coverage typically combines:
1. Liability Insurance
Required in almost all states. Covers damage you cause to others.
2. Collision Coverage
Pays for damage to your vehicle after an accident.
3. Comprehensive Coverage
Protects against:
Theft
Vandalism
Fire
Weather damage
Falling objects
Animal collisions
4. Uninsured Motorist Coverage
Important in states with high rates of uninsured drivers.
5. Medical Payments or Personal Injury Protection (PIP)
Covers injuries, depending on state law.
Full coverage offers stronger protection than liability alone, but it costs more — which is why drivers search for the cheapest full coverage car insurance.
Who Is Cheaper Than State Farm?
Many shoppers compare popular insurers, asking which company offers the cheapest full coverage car insurance compared to State Farm.
Companies that may offer cheaper rates include:
GEICO
Progressive
Nationwide
USAA (if eligible)
Regional insurers such as Farm Bureau
However, prices vary dramatically based on ZIP code and driver profile. In many areas, State Farm remains the cheapest full coverage car insurance provider, but comparing multiple quotes is essential.
GEICO vs Progressive: Who Is Cheaper for Full Coverage?
Both GEICO and Progressive compete heavily for full coverage customers.
GEICO
Often cheaper for:
Good drivers
Drivers with strong credit
Low-mileage drivers
Progressive
Often cheaper for:
Drivers with accidents
Drivers needing SR-22 filings
Households with multiple vehicles
Neither company is always universally cheaper, but both frequently appear in rankings for the cheapest full coverage car insurance.
What Is the Cheapest Full Coverage Car Insurance by State?
Rates vary significantly across states due to laws, risk factors, weather, and population density. Some states with lower average full coverage rates include:
Ohio
Vermont
Idaho
Wisconsin
Maine
States with higher full coverage rates include:
Louisiana
Florida
Georgia
California
Michigan
This geographic variation reinforces why the cheapest full coverage car insurance depends heavily on location.
Why Is Full Coverage So Expensive?
Even with the cheapest full coverage car insurance, full coverage costs more due to:
1. Rising Repair Costs
Modern vehicles require expensive parts and advanced sensors.
2. Severe Weather
Hurricanes, hail, and floods lead to higher comprehensive claims.
3. Increased Medical Costs
Medical bills continue to climb, increasing PIP and MedPay payouts.
4. Vehicle Theft
High theft areas raise comprehensive premiums.
5. Inflation
Parts, labor, and diagnostics have all increased in cost since 2020.
Understanding these factors helps explain why full coverage premiums rise even for safe drivers.
How to Get the Cheapest Full Coverage Car Insurance
Drivers can reduce their premiums using proven strategies:
1. Raise Deductibles
Increasing your deductible from $500 to $1,000 can reduce premiums by 10%–20%.
2. Bundle Insurance Policies
Bundling auto and home or renters insurance typically offers 10%–25% savings.
3. Enroll in Telematics
Programs like:
Progressive Snapshot
GEICO DriveEasy
State Farm Drive Safe & Save
These can reduce premiums based on driving behavior.
4. Maintain Good Credit
A good credit score often results in significantly cheaper premiums.
5. Compare Multiple Companies
The cheapest full coverage car insurance differs widely depending on ZIP code.
6. Remove Unnecessary Add-Ons
New car replacement, rental coverage, and roadside assistance may not be needed for every driver.
7. Pay in Full
Paying the premium up front instead of monthly installments sometimes reduces costs.
What’s the Best Way to Compare Full Coverage Insurance?
To find the cheapest full coverage car insurance, use these comparison strategies:
Compare at least 4–6 insurers
Use local agents for regional quotes
Review annual coverage changes
Check state insurance department complaint data
Compare deductibles and coverage limits, not just price
Internal Links
Home Insurance — https://totalcoverageguide.com/home-insurance/
Auto Insurance — https://totalcoverageguide.com/auto-insurance/
Renters Insurance — https://totalcoverageguide.com/renters-insurance/
Life Insurance — https://totalcoverageguide.com/life-insurance/
High-Authority External Links
Insurance Information Institute
https://www.iii.org
National Association of Insurance Commissioners (NAIC)
https://www.naic.org
USA.gov – Insurance
https://www.usa.gov/insurance
