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On average, the cheapest full coverage auto insurance starts at $88 per month, and the companies with the cheapest full coverage include USAA, Nationwide, and Geico

Who Has The Cheapest Car Insurance For Full Coverage

Who Has The Cheapest Car Insurance For Full Coverage

Author: Daniel Robinson, Author: Daniel Robinson Author Daniel is a guide team writer and has written for numerous automotive news sites and marketing companies in the US, UK and Australia Specializing in car finance and car care. Daniel is the guide team’s authority on car insurance, loans, warranty options, car services and more.

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Posted by: Rashawn Mitchner Posted by: Rashawn Mitchner CEO Rashawn Mitchner is a Guides team editor with over 10 years of experience covering personal finance and insurance topics.

We at Guides Team have compared the best car insurance companies to find the cheapest options for drivers. In this article, we explore which companies offer the cheapest full coverage car insurance and present our top picks.

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The guide team is committed to providing reliable information that will help you make the best possible decision about insuring your vehicle. Because consumers trust us to provide objective and accurate information, we created a comprehensive rating system to compile our rankings of the best auto insurance companies. We collected data from dozens of auto insurance providers to rate companies based on several rating factors. After 800 hours of research, the final result was a General Rating for each service provider, and the insurers with the most points were at the top of the list.

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According to our price estimates, USAA offers the cheapest comprehensive car insurance at an average of $88 per month for a 35-year-old with a clean driving record. But USAA is only available to military members, veterans and their children. When looking at mass market providers, Nationwide is the cheapest option, with monthly rates averaging $107.

Next, we look at the cheapest comprehensive car insurance companies, broken down by state, driver age and driving history.

Your location is one of the biggest factors affecting your car insurance premium. This section shows the cheapest provider based on our ratings for a 35-year-old driver in each state.

Who Has The Cheapest Car Insurance For Full Coverage

While companies like Geico and USAA offer cheap auto insurance on average, the cheapest company in each state varies. Regional providers like Country Financial and Farm Bureau insurance tend to be affordable as well, so we recommend comparing all your options.

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*This table does not include USAA. Although often the lowest-cost 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 auto insurance. Younger drivers are associated with higher rates of accidents and violations, so they pay more for auto insurance. Our averages show that Geico is often the cheapest supplier for drivers of different ages.

Your driving history has a big impact on the prices you pay. Depending on your state, you may pay increased auto insurance premiums for three to five years after an accident or violation.

According to our rate averages, State Farm, Nationwide and Geico are often favorable for drivers involved in an accident or violation. However, this is not always the case. Let’s look at the averages for different situations.

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And has an average annual fee of $1,656. Here, our averages are for speeding between 16 and 20 MPH, and we found that this type of speeding ticket increases prices by an average of $583 per year.

Running a stop sign puts people at risk and increases your insurance premiums. Our estimates show that drivers pay an average of $550 more per year for this type of violation. Nationwide is the cheapest mass market provider on our list, with average rates of $1,650 per year.

Having a DUI on your record can make your insurance rates skyrocket. Our estimates show that, on average, drivers pay about $1,547 more per year to have 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 policy for three years, you’ll pay about $4,641 more during that time.

Who Has The Cheapest Car Insurance For Full Coverage

Our averages show that State Farm is generally the most affordable provider with a DUI on your record. American Family, Progressive and Travelers are also affordable.

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An at-fault accident can increase your rates by around 55% according to our averages. State Farm is generally the cheapest national provider in this situation, offering average annual rates of $1,882.

An at-fault accident and a speeding ticket with the same driving history will increase car insurance premiums even more. Our averages show that drivers with these two designations pay an average of 86% more for car insurance each year. In this case, State Farm is the least expensive mass market provider at an average of $2,077 per year.

Having two at-fault accidents on your record makes you a riskier driver to insure. Our estimates show that two-accident drivers pay more than double the average premium of drivers with clean records, costing them an average of $2,031 more per year.

In this situation, it would probably be best to own State Farm, USAA, American Family, or Nationwide, as they are the four cheapest major providers for drivers with two accidents on their records.

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If you have had three accidents, you may struggle to find affordable car insurance. State Farm is a large insurance company that typically offers the lowest rates for these drivers, averaging around $2,341 per year, but it’s still expensive. Drivers with three accidents in their recent insurance history pay an average of $3,706 more per year for car insurance than those with clean driving histories.

After considering average cost estimates for different types of drivers, Nationwide, State Farm, Geico, USAA, and American Family were chosen as our cheapest comprehensive auto insurance policies.

Nationwide is our top choice for the cheapest comprehensive car insurance. According to our information, the company offers average prices for good drivers about 26% cheaper than the national average. Nationwide is also one of the cheapest companies for people with speeding tickets and minor offences.

Who Has The Cheapest Car Insurance For Full Coverage

The company has an A+ rating and Better Business Bureau (BBB) ​​accreditation, which indicates that it responds to complaints quickly.

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Pros Offers usage-based SmartRide® and mileage-based SmartMiles® programs Offers 11 discounts A+ rating and BBB accreditation. 4.1/5.0 in our car insurance customer survey.

Our review team reached out to Nationwide for comment on their reviews, but we have not received a response.

After comparing auto insurance companies on cost, coverage, reputation, availability and customer experience, we give State Farm a score of 9.3 out of 10.0 and name it an Editor’s Choice. State Farm offers a good combination of affordability, good customer service and coverage selection.

Students can save with State Farm’s great student discount and its usage-based Steer Clear® program for young drivers. The company has a BBB rating of A+.

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Pros Wide range of insurance options Offers discounts for many types of drivers Average full coverage prices are around 14% cheaper than the national average Scored 4.2 out of 5.0 for satisfaction in our car insurance customer survey

Our review team reached out to State Farm for comment on their reviews, but did not hear back.

Geico is another reputable provider that offers cheap auto insurance. According to our data, Geico is the cheapest option in many states, offering average prices about 24% lower than the market average.

Who Has The Cheapest Car Insurance For Full Coverage

In our survey of nearly 7,000 auto insurance customers, about 16 percent 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+ BBB rating.

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Pros Offers 16 auto insurance discounts Scored 4.1 out of 5.0 overall satisfaction in our auto insurance consumer survey Offers usage-based DriveEasy program Cheap rates for those with minor violations

Our review team reached out to Geico for comment on its performance in the J.D. In the Power survey, but got no response.

No list of the cheapest full coverage car insurance companies would be complete without USAA, as it usually offers the lowest premiums for qualified drivers. Our estimates show that USAA’s full coverage averages about $1,054 per year, which is 39% cheaper than the national average.

USAA also has high customer service ratings, earning the top score for J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠ 909 out of 1,000 points.

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Pros Cheap full coverage auto insurance rates Discounts on military installations and vehicle maintenance services Offers a usage-based insurance program SafePilot® Scored 4.3/5.0 based on overall satisfaction in our auto insurance consumer survey

Our averages show that American Family Insurance is

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