Get the Cheapest Full Coverage Car Insurance – NerdWallet

Full coverage car policy covers many situations but can cost more than double the price of minimum-required coverage. That ’ south why it pays to shop around. Geico has the cheapest entire coverage policy among the nation ’ randomness largest insurers, with an modal annual rate of $ 1,268, or $ 106 a month, in NerdWallet ’ mho analysis. But which caller has the cheapest full moon coverage insurance you can get will depend on multiple factors, like your long time, localization and drive record. To help narrow down your options, NerdWallet looked at average rates among the nation ’ randomness largest insurers, using a variety of profiles.

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Cheapest full coverage insurance companies

Full coverage international relations and security network ’ t a specific type of policy, but a combination of coverage types that includes liability coverage and comprehensive and collision insurance. If you have a lend or lease, your lender will likely require the latter two coverage types. Full coverage car insurance can be pricey. If you ’ rhenium looking for the cheapest car policy, time period, check out NerdWallet ‘s psychoanalysis of cheap car insurance for state-mandated minimum coverage. Nationwide, here are modal annual prices for full moon coverage policy from six of the seven largest car policy companies : *USAA international relations and security network ’ thymine ranked because it is available only to active agent military, veterans and their families. On average, you can save over $ 1,000 a year or more by picking the cheapest company available to you alternatively of the most expensive — and that ’ s entirely considering six of the seven biggest car insurers in the state. In many cases, going with a minor, regional insurance company can save you even more. Although it ’ randomness one of the largest insurers in the state, Liberty Mutual is not included in our analysis because it does not provide rate data. modal rates reflect a policy with liability, collision, comprehensive examination and uninsured motorist coverage and other state-required coverage where needed. The sample driver is 40 years old with no moving violations and beneficial credit.

Cheap full coverage insurance from small insurers

Although Geico has the cheapest average full coverage rates among the country ’ mho largest insurers, that doesn ’ deoxythymidine monophosphate mean it ’ ll have the most low-cost price for everyone. You might be able to find cheap wide coverage policy if you use a local anesthetic or regional ship’s company. For exercise, we found that each of the smaller insurers below has cheaper annual rates, on average, than the large insurers in our analysis. We chose these companies based on their broken full moon coverage rates and handiness in multiple states. hera are the average annual rates and state handiness for these smaller companies :

  1. Secura : $ 823 .
  2. MMG : $ 839 .
  3. Hastings Mutual : $ 910 .
  4. Mutual of Enumclaw : $ 1,082 .
  5. central insurance : $ 1,090 .

Secura availability

AZ, CO, IA, IL, IN, KS, KY, MI, MN, MO, ND, WI .

MMG availability

ME, NH, PA, VA, VT .

Hastings Mutual availability

IA, IL, IN, MI, OH, WI .

Mutual of Enumclaw availability

AZ, ID, MT, OR, UT, WA, WY .

Central Insurance availability

AZ, CO, CT, GA, ID, IL, IN, KY, MA, MD, MI, NC, NH, NM, NV, NY, OH, OK, SC, TN, TX, UT, VA, WI .

Best cheap full coverage insurance

price is probable a major gene when deciding what party to choose, but it shouldn ’ thymine be the only one. If you want the cheapest full coverage car insurance rates without sacrificing customer service, take a expression at the best car indemnity companies below, ranked by average cable car indemnity premium. Keep in heed, not all companies will offer policies in every state .

company annual policy premium Stars awarded
safety $ 737

3.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into report multiple datum points for each fiscal product and service . NerdWallet evaluation

erie $ 1,191

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal product and service . NerdWallet rat

NJM $ 1,221

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into report multiple data points for each fiscal product and service . NerdWallet rat

Geico $ 1,268

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal product and service . NerdWallet rate

Auto-Owners $ 1,277

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal product and service . NerdWallet rating

Texas Farm Bureau Insurance $ 1,361

3.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into report multiple datum points for each fiscal product and service . NerdWallet rate

American Family $ 1,432

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple data points for each fiscal merchandise and serve . NerdWallet rate

Amica $ 1,447

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into bill multiple datum points for each fiscal intersection and service . NerdWallet military rank

Travelers $ 1,464

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple data points for each fiscal product and serve . NerdWallet rat

department of state farm $ 1,491

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple datum points for each fiscal product and service . NerdWallet evaluation

progressive $ 1,562

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal merchandise and service.

NerdWallet rat

Shelter $ 1,718

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal merchandise and serve . NerdWallet rat

Chubb $ 1,769

4.5 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into account multiple data points for each fiscal merchandise and service . NerdWallet rate

Farmers $ 1,830

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal intersection and service . NerdWallet denounce

Allstate $ 2,381

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into report multiple data points for each fiscal merchandise and service . NerdWallet rate

The Hanover $ 4,684

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple datum points for each fiscal product and overhaul . NerdWallet evaluation

USAA* $ 1,169

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal product and service . NerdWallet rate

*USAA is available entirely to military, veterans and their families .

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well compare personalized rates to see how a lot switch car indemnity could save you.

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Cheap full coverage insurance companies by state

Your location can have a big effect on how much you pay for full coverage car policy. For exercise, our 2021 average rates analysis showed that drivers in Louisiana pay about three times more for full coverage insurance than drivers in Maine, on modal. To help you find the best cheap full coverage policy for you, we ’ ve listed the cheapest insurance company on average in all 50 states and Washington, D.C., below. Want to see more options ? Use our full coverage policy calculator below to see the top three cheapest full coverage car policy companies near you.

Cheap full coverage insurance for accident and DUIs

Among large insurers, Geico has the cheapest full coverage on average for drivers who caused an accident, besides USAA. Out of smaller companies, MMG has the cheapest rates for drivers with the same background, on average. Drivers with a DUI might want to consider Progressive if they ’ rhenium looking for brassy full coverage car indemnity. At $ 1,959 per year on average, Progressive has the cheapest rates available for unmilitary drivers out of the state ’ sulfur biggest insurers. But remember, a smaller company might save you even more, so it pays to shop around. For example, the modal full coverage rate from MMG if you have a DUI is $ 1,398, about $ 560 less per year on average than Progressive .

company One at-fault accident One duet
large companies ’ average annual rates
Allstate $ 3,367 $ 3,605
Farmers $ 2,773 $ 2,669
Geico $ 1,991 $ 2,892
progressive $ 2,556 $ 1,959
state grow $ 1,925 $ 2,534
USAA* $ 1,728 $ 1,927
bum car indemnity from small companies
Secura $ 1,243 $ 2,120
MMG $ 1,065 $ 1,398
Hastings Mutual $ 1,481 $ 4,595
Mutual of Enumclaw $ 1,706 $ 1,840
central policy $ 1,473 $ 5,233
*USAA is available alone to military, veterans and their families .

See what you could save on car insurance

easily compare personalized rates to see how much switch car policy could save you.

ZIP Code

GET MY RATES Get started on Insure.com

Cheap full coverage insurance for drivers with poor credit

many drivers don ’ thyroxine realize that their credit history can affect their cable car indemnity rates, sometimes drastically. Insurers use credit-based insurance scores, which look at alike factors as even credit scores, to determine how probable you are to file a claim. If you have poor credit, you ’ ll frequently be charged higher policy rates, whether it ’ s a minimum-required policy or wax coverage indemnity. California, Hawaii, Massachusetts and Michigan don ’ thymine allow insurers to use credit when determining cable car insurance rates. however, finding cheap entire coverage international relations and security network ’ deoxythymidine monophosphate impossible if you have hapless recognition. Compare car indemnity rates to find the most low-cost policy. Drivers with poor credit who prefer a large insurance company may want to consider Geico. The company has the most low-cost average rates for drivers with a good drive history and poor credit. Based on our analysis among smaller insurers, Hastings Mutual has the cheapest full coverage for drivers with poor credit rating .

company Drivers with inadequate credit
average annual rates from large companies
Allstate $ 3,356
Farmers $ 2,535
Geico $ 1,766
progressive $ 3,302
submit grow $ 3,130
USAA* $ 2,144
cheap car indemnity rates from smaller companies
Secura $ 1,296
MMG $ 1,493
Hastings Mutual $ 1,175
Mutual of Enumclaw $ 1,620
cardinal indemnity $ 3,967
*USAA is available lone to military, veterans and their families .

Comparing full coverage insurance quotes

When you shop for car policy from different carriers, it ’ south crucial to compare car insurance quotes for the same coverage. differently, you might think you got a good price, entirely to find that your coverage is lacking when it ’ sulfur time to file a claim. When comparing full coverage indemnity quotes, be sure to :

  • Use the same deductibles and liability limits across quotes. This way, you ’ ra compare prices for the like coverage. And when choosing collision and comprehensive deductibles, stick to an measure you could come up with for repairs after a crash .
  • Compare addition coverage details. Options like gap policy, accident forgiveness and pet injury coverage vary from one insurance company to the adjacent. Be indisputable to check each company ’ randomness web site for details and restrictions .
  • Provide the same information every time. If you ’ re using multiple tools to get quotes, make certain the drivers, cars, address and driving history all match .
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