You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make bright personal finance decisions. We follow rigorous guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no mastermind recompense from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable data. We value your confidence. Our mission is to provide readers with accurate and unbiased information, and we have column standards in locate to ensure that happens. Our editors and reporters thoroughly fact-check editorial subject to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ rhenium putting your interests foremost. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is correctly for you. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests beginning. All of our contentedness is authored by highly certified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a farseeing traverse criminal record of helping people make bright fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Full coverage car insurance is a combination of coverages, normally state-required minimums and both collision and comprehensive coverage, to help protect your finances in the event that you ’ re involved in a car accident, larceny, vandalism or other incidental. The average cost of full coverage car insurance in the U.S. is $ 1,674 per class. however, your premium will vary based on your location, driving history and other factors. Bankrate ’ s indemnity editorial team analyzed top providers to find the best choices for individual circumstances. Below, we outline why Allstate, Erie, Farmers, Nationwide and State Farm made our list .
Best full coverage auto insurance
We found the best providers for wide coverage car insurance to be Allstate, Erie, Farmers, Nationwide and State Farm. Bankrate ’ s insurance editorial team determined these rankings by referencing the latest premium data from Quadrant Information Services. We besides factored in the most late J.D. Power customer satisfaction data and cross-referenced company coverage options, particular features, such as 24/7 customer service lines, and available discounts .
|Car insurance company||J.D. Power customer satisfaction score||Average annual premium for full coverage|
Allstate ’ s policies might cost more on average, but the carrier offers batch of potential discounts and perks for car policy. The company offers add-ons, such as new car successor, which could pay the cost of replacing your car after a cover accident, deoxyadenosine monophosphate well as accident forgiveness, which could keep your premiums at the same rate after your first accident. If you don ’ t like how your claim process is handled, Allstate offers a claim satisfaction guarantee that could refund a parcel of your premiums. Learn more: Allstate Insurance review
Erie has a high gear J.D. Power customer gratification denounce and offers authentic full coverage indemnity at a abject average rate. Erie ’ randomness Rate Lock could ensure your insurance premium stays the same and the company besides offers first accident forgiveness to eligible policyholders who have been insured with Erie for at least three years. The main strickle against Erie is that it operates in limited states. Consider checking your state handiness before diving excessively far deep into this carrier ’ s car policy offerings. Learn more: Erie Insurance review
Farmers has the highest average annual agio monetary value on our list, so if you ’ ra looking for the cheapest car insurance pace available, you may want to consider early options. however, this car policy company offers a across-the-board compass of likely discounts like paperless charge, safe driver, good scholar and homeowner. Farmers even offers discounts for alternative fuel vehicles in California. The provider has many coverage options to choose from, such as new car substitute and accident forgiveness. Learn more: Farmers Insurance reappraisal
Nationwide includes all the common options that come with full coverage and a few helpful offerings like towing and labor coverage and gap coverage. If you ’ re looking to lower your policy rate, Nationwide besides features some high-tech discounts like the SmartRide plan, which uses telematics to track your drive, and SmartMiles, which reduces premiums if you do not drive much. Nationwide has many unlike kinds of policy available, so this carrier is besides good for bundling policy policies. One likely downside is that Nationwide does not have a 24/7 customer service tune like some of its competitors. Learn more: Nationwide Insurance review
state farm is a bad list in the policy world because of its size and options. This insurance company ’ randomness policy add-ons like rental cable car policy are helpful for people on the go. For policyholders under 25, State Farm offers a Steer clear discount program that may reduce monthly premiums for completing a drive course, which can help to offset the frequently higher cost of indemnity for younger drivers. The State Farm fluid app allows you to submit claims, get new quotes and view your indemnity profile. The company besides offers a 24/7 customer service helpline. Learn more: State Farm Insurance revue
What is full coverage car insurance?
Full coverage car policy refers to a coarse set of coverage options that are included within a unmarried policy. Generally speaking, all drivers ( except those in New Hampshire and Virginia ) must have some shape of liability or state-required coverage, which can cover checkup bills and cable car repairs for other drivers. Full coverage, while normally not legally required, can cover checkup bills, car repairs and other expenses of the policyholder and their passengers. Full coverage policies will by and large include collision coverage and comprehensive examination coverage in the policy. Collision coverage pays for damages to your car during a moving accident, and comprehensive coverage pays for damages to your car during other events, such as larceny, vandalism and natural disasters. Although wide coverage can pay for damage to your cable car, you will generally need to pay a deductible sum before the coverage kicks in to pay the respite. besides, all coverages in a policy hush have a coverage restrict, which is the utmost sum the policy will cover. many insurers allow you to raise coverage limits for an extra tip. Most personal cable car insurance policies do not cover commercial use, so if you use your car for a delivery occupation or a rideshare service, you may need to purchase extra coverage .
Is full coverage car insurance worth it?
When deciding if the extra price of full coverage cable car policy is worth it, it is often helpful to think about what would happen if your car is damaged or totaled. Could you pay for repairs or a replacement out of pocket ? If your car is older and less valuable, some people may decide full coverage is not worth it for their needs. however, if you used a car loanword to buy your cable car, wide coverage may be required in the condense with the lender .
Frequently asked questions
What is the best car insurance company?
The best car insurance company depends on the insurance needs of the person. To find the car policy carrier who will be best for you, it helps to shop about and request quotes from a few providers so you can compare. The easiest way to get an policy quotation mark from an insurance provider is normally to use the on-line quotation mark creature that most companies offer. You can besides typically call to get an insurance quote, which can help you find the lowest car insurance rate. You may want to discuss your coverage needs and preferences with an independent indemnity agent who can help understand your coverage needs .
Does my liability coverage pay for my car repairs?
The liability coverage in your policy will not pay for damages to your car. This coverage will merely cover damages to other people and their vehicles, so you ’ ll need full coverage if you want your own car repairs to be covered by your policy .
What’s the difference between collision coverage and comprehensive coverage?
Collision coverage pays for damage to your car during a move accident. comprehensive coverage pays for price to your car that occurs during other events, such as larceny, falling limbs or fire. Both of these coverages are included in most full coverage policies.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean tug record, good credit and the be wide coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each country ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum. These are sample rates and should only be used for relative purposes .