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The cheapest full coverage car insurance starts at $88 per month on average, and companies with the cheapest full coverage include USAA, Nationwide and Geico.
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Author: Daniel Robinson, Contributor: Daniel Robinson Writer Daniel is a contributor to the Guides team and writes articles for numerous automotive news sites and marketing firms in the US, UK and Australia, specializing in the topics of auto finance and car care. Daniel is the team’s expert guide on auto insurance, loans, warranty options, auto repair shops and more.
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Editor: Rashawn Mitchner, Editor: Rashawn Mitchner, Managing Editor Rashawn Mitchner is an editor on the Guides team with over 10 years of experience in the personal finance and insurance industries.
Here at our guide team, we’ve compared the best car insurance companies to find the most affordable options for drivers. In this article, we’ll look at which companies offer the cheapest comprehensive car insurance and present our top picks.
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Our team of guides is committed to providing reliable information to help you make the best decision about your car insurance. Because consumers rely on us to provide unbiased and accurate information, we have created a comprehensive rating system to rank the best car insurance companies. We collected data from dozens of auto insurance providers to rank companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall ranking of each insurer, with the insurers with the highest scores topping the list.
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We estimate that USAA offers the cheapest full-coverage car 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. When looking at mass market providers, Nationwide is the cheapest option, with an average monthly rate of $107.
Next, we’ll look at the cheapest full coverage car insurance companies by state, driver age, and driving record.
Your location is one of the most important factors affecting your auto insurance premium. This section shows the cheapest providers based on our estimates for a 35-year-old driver in each state.
While companies like Geico and USAA offer cheap auto insurance on average, the cost of the cheapest company varies from state to state. Regional providers like Country Financial and Farm Bureau insurance also tend to be affordable, so we encourage you to compare all your options.
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*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 that affects the amount you pay for full coverage car insurance. Young drivers are more likely to have accidents and violations, so they pay more for car insurance. Our average data shows that Geico is often the cheapest provider for drivers of all ages.
Your driving record 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.
Based on our average rates, State Farm, Nationwide and Geico are often available for drivers who have been involved in an accident or violated the rules. However, this is not always the case. Let’s look at the average rates for different situations.
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And its average annual rate is $1,656. Our averages here apply to driving 16 to 20 mph over the limit, and we found that this type of speeding ticket increases rates by an average of $583 per year.
Putting up a stop sign puts people in danger and definitely increases your insurance rates. We estimate that drivers pay an average of $550 more per year for these types of violations. Nationwide is the cheapest mass-market provider on our list, with an average rate of $1,650 per year.
Having a DUI on your record can cause your insurance rates to skyrocket. We estimate that drivers pay on average about $1,547 more per year to have a DUI on their record. This is approximately 89% higher than the average rates for a driver with a clean record. If the DUI remains on your insurance for three years, you’ll pay about $4,641 more during that time.
Our average data shows that State Farm is typically the most affordable provider with DUI cases on its record. American families, progressives and travelers are also affordable.
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Based on our average, an accident that is your fault can increase your rates by about 55%. In this situation, State Farm is typically the cheapest national provider, offering an average annual rate of $1,882.
An at-fault accident and a speeding ticket within the same driving record combine to further increase your auto insurance rates. Our average data shows that drivers with these two marks on their records pay an average of 86% more for car insurance each year. In this case, State Farm is the cheapest mass market supplier, with an average cost of $2,077 per year.
Having two driver-at-fault accidents on your record makes you a riskier driver worth insuring. We estimate that drivers with two accidents pay more than twice what drivers with a clean record pay on average, costing them an average of $2,031 more per year.
In this situation, it would probably be better to have State Farm, USAA, American Family, or Nationwide since they are the four cheapest major providers for drivers with two accidents on their records.
Cheapest Full Coverage Car Insurance Rates And Companies (2023)
If you’ve been involved in three accidents that were your fault, you may have a hard time finding affordable car insurance. State Farm is a large insurance company that typically offers the cheapest rates for these drivers, averaging about $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 auto insurance than people with a clean driving record.
After we looked at average cost estimates for different types of drivers, we selected the cheapest full-coverage auto insurance: Nationwide, State Farm, Geico, USAA and American Family.
Nationwide is our top choice for the cheapest full-coverage car insurance. According to our data, the company offers average rates that are about 26% cheaper than the national average for good drivers. Nationwide is also one of the cheapest companies for people with a history of speeding tickets and minor violations.
The company has an A+ rating and Better Business Bureau (BBB) accreditation, indicating that it responds quickly to complaints.
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Pros Offers usage-based SmartRide® and mileage-based SmartMiles® programs. Offers 11 discounts. A+ Rated and BBB Accredited. Rated 4.1 out of 5.0 for overall satisfaction in our auto insurance customer survey.
Our review team contacted Nationwide for comment on the reviews but did not receive a response.
After comparing car insurance companies on cost, coverage, reputation, availability and customer service, we rate State Farm 9.3 out of 10.0 and call it an Editors’ Choice. State Farm offers a good combination of affordability, good customer service, and coverage selection.
Students can save with State Farm’s good student discount and Steer Clear® usage-based program for young drivers. The company has an A+ rating from the BBB.
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Pros: Wide range of coverage options. Offers discounts for several types of drivers. Average full coverage rates are about 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 the reviews but did not receive a response.
Geico is another reputable provider that offers cheap auto insurance. Our data shows that Geico is the cheapest option in many states, and it offers average prices that are about 24% cheaper than the market average.
In our survey of nearly 7,000 auto insurance customers, about 16% of respondents had Geico insurance. These customers rated Geico 4.1 out of 5.0 for overall satisfaction and 4.2 for complaint service. Geico also has an A+ rating from the BBB.
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Pros Offers 16 discounts on auto insurance. Rated 4.1 out of 5.0 for overall satisfaction in our auto insurance consumer survey. Offers a program based on the use of DriveEasy. Cheap rates for those who have committed minor violations.
Our review team reached out to Geico for comment on its score in the J.D. study. Power, but did not receive a response.
A list of the cheapest full coverage car insurance companies wouldn’t be complete without USAA, as it typically offers the lowest premiums for eligible drivers. We estimate the average cost of USAA full coverage to be about $1,054 per year, which is 39% cheaper than the national average.
USAA also has high customer service ratings and received a perfect score in the J.D. U.S. Automotive Claims Satisfaction Study℠. Power 2021 with a score of 909 out of 1000.
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Pros: Cheap car insurance rates with full coverage. Discounts for military installation and on-base vehicle storage. Offers an insurance program based on the use of SafePilot®. Rated 4.3 out of 5.0 for overall satisfaction in our auto insurance consumer survey.
Our averages show that American family insurance
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