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 expert advice and tools needed to succeed throughout biography ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the subscriber. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial contentedness is not influenced by advertisers. Our editorial team receives no lineal compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. therefore, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your faith. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial subject to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct recompense from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ re putting your interests beginning. Our award-winning editors and reporters create honest and accurate contented to help you make the proper 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 ’ rhenium putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer overhaul, policy features and savings opportunities — so you can feel convinced about which supplier is right for you. Bankrate follows a rigorous column policy, so you can trust that we ’ rhenium putting your interests first. All of our content is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is aim, accurate and desirable of your trust. Founded in 1976, Bankrate has a long track record of helping people make bright fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making procedure and giving people assurance in which actions to take adjacent. 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. When you shop for a car policy policy, one of the first things you need to decide is how much coverage to buy. Full coverage by and large costs more than state minimal limits, but that ’ south because it provides a higher degree of fiscal protection. And while the average cost of full coverage in the U.S. is $ 1,674 per year, there are ways to find a cheaper rate. USAA and Geico offer the cheapest fully coverage premiums on median in most states, based on Bankrate ’ s across-the-board research. Knowing the cheapest wax coverage car indemnity company in your state could help you determine a depart identify for getting quotes .
What is full coverage auto insurance?
Full coverage refers to an car policy policy that includes comprehensive examination coverage and collision coverage, which add protection for damage to your vehicle. comprehensive covers situations like hitting an animal, vehicle larceny, vandalism, storm damage and glass breakage, while collision covers price to your fomite stemming from colliding with another vehicle or aim, like a pole or construction. Some companies and agencies may offer early types of coverage, like uninsured motorist coverage, roadside aid and car rental coverage, which can all round out your policy and offer more full-bodied protections for your full coverage policy. however, “ full coverage ” is not an industry-standard term. Although all full coverage policies have comprehensive coverage and collision coverage, different companies might take full coverage to mean higher indebtedness limits and early endorsements as well. Liability-only policy is crucial to have because it provides fiscal protection to the other party if you cause an accident. This may be sufficient for some drivers, but full coverage can offer a higher level of protection and coverage for more scenarios .
Cheapest full coverage company by state
The cost of car insurance varies by department of state due to different policy laws, alone geographic features and the incidence of claims in the area, but you may still be able to find low-cost rates no matter where you live. In the Midwestern states, USAA and Pekin tend to offer cheap coverage, whereas in the Southwest, the cheapest car indemnity companies include USAA and Geico. Because cable car policy premiums vary between companies, getting quotes from several carriers could help you find the cheapest coverage for your needs. The following table shows the company that offers the cheapest full coverage premiums in each state. Please note that not everyone will qualify for coverage from every ship’s company. For case, USAA only serves military members, veterans and members of their immediate families .
| State | Car insurance company | Average annual full coverage premium |
|---|---|---|
| Alabama | Travelers | $1,071 |
| Alaska | USAA | $1,069 |
| Arizona | Geico | $916 |
| Arkansas | USAA | $1,142 |
| California | Capital | $1,582 |
| Colorado | American National | $767 |
| Connecticut | Geico | $1,071 |
| Delaware | USAA | $955 |
| Florida | State Farm | $1,739 |
| Georgia | Nationwide | $1,202 |
| Hawaii | USAA | $1,009 |
| Idaho | USAA | $725 |
| Illinois | Pekin | $715 |
| Indiana | Pekin | $673 |
| Iowa | Hastings Mutual | $858 |
| Kansas | QBE | $1,208 |
| Kentucky | USAA | $1,466 |
| Louisiana | Southern Farm Bureau | $1,871 |
| Maine | Geico | $578 |
| Maryland | Nationwide | $1,232 |
| Massachusetts | State Farm | $736 |
| Michigan | Secura | $826 |
| Minnesota | Iowa Farm Bureau | $1,015 |
| Mississippi | USAA | $1,109 |
| Missouri | USAA | $988 |
| Montana | USAA | $931 |
| Nebraska | Nationwide | $1,047 |
| Nevada | Geico | $1,116 |
| New Hampshire | USAA | $681 |
| New Jersey | Selective | $1,085 |
| New Mexico | USAA | $1,102 |
| New York | Main Street America | $761 |
| North Carolina | Geico | $835 |
| North Dakota | USAA | $815 |
| Ohio | Hastings Mutual | $758 |
| Oklahoma | Geico | $1,066 |
| Oregon | Oregon Mutual | $862 |
| Pennsylvania | Geico | $916 |
| Rhode Island | State Farm | $955 |
| South Carolina | Travelers | $1,141 |
| South Dakota | American Family | $1,070 |
| Tennessee | Grange | $966 |
| Texas | Geico | $1,339 |
| Utah | USAA | $839 |
| Vermont | USAA | $807 |
| Virginia | Nationwide | $770 |
| Washington | USAA | $818 |
| Washington DC | USAA | $876 |
| West Virginia | Nationwide | $993 |
| Wisconsin | Travelers | $785 |
| Wyoming | State Farm | $1,234 |
Best cheap full coverage car insurance
Most states require that you carry at least minimal levels of sealed car indemnity coverage to drive legally. While these coverage limits ensure that you comply with the law, the coverage they provide is minimal and does not include coverage for price to your vehicle. To determine the car indemnity companies to feature, Bankrate ’ s indemnity column team beginning reviewed average bounty data obtained from Quadrant Information Services. We besides analyzed each ship’s company ’ s available coverage options, discounts, policy features and third-party rankings from sources like AM Best, Standard & Poor ’ s ( S & P ), the National Association of Insurance Commissioners ( NAIC ) and J.D. Power. Based on our research, we have assigned a Bankrate Score on a scale of 0.0 to 5.0 to each company. The higher the Bankrate Score, the more highly a company ranked in each of the score categories. If you are searching for the best cheap fully coverage car insurance, these companies may be a good stead to start. These providers are some of the cheapest in the nation, but besides offer exceeding coverage :
| Car insurance company | Bankrate Score | Average annual full coverage premium | Monthly premium cost |
|---|---|---|---|
| USAA | 5.0 | $1,225 | $102.08 |
| State Farm | 4.7 | $1,457 | $121.42 |
| Travelers | 4.7 | $1,325 | $110.42 |
| Geico | 4.7 | $1,405 | $117.08 |
| Erie | 4.6 | $1,233 | $102.75 |
| Auto-Owners | 4.5 | $1,351 | $112.58 |
| Amica | 4.5 | $1,378 | $114.83 |
USAA
USAA has some of the lowest modal annual rates across the country, ampere well as excellent customer service. Although the ship’s company is not eligible for official rank with J.D. Power due to its eligibility restrictions, it earned a high score in the 2021 U.S. Auto Claims Satisfaction Study, which indicates that customers are by and large satisfied with USAA ’ s claims service. however, USAA only sells coverage to military members, veterans and their immediate families.
Read more: The Best Car Insurance Companies for 2022
Learn more: USAA Insurance review
State Farm
IIf you are looking for a local anesthetic agent, State Farm might fit your needs. The company is the largest insurance company of personal autos in the state, with over 16 % of the market share. The party has over 19,000 agents in the U.S., so the likelihood of having an means near you is high. State Farm offers standard car insurance coverage types, respective optional endorsements and a few discounts. If you like handling your indemnity digitally, State Farm might not be for you. The company received a below-industry-average score from J.D. Power for digital overhaul, which means customers might find the company ’ s on-line and mobile tools lacking. Learn more: State Farm Insurance review
Travelers
IIf you are looking for a highly customizable policy, Travelers may be a well match. The company offers a long number of coverage options, including wayside aid, gap coverage, new car surrogate, ridesharing coverage and accident forgiveness. The ship’s company besides has some unique discount options, like savings for loanblend and electric cars. however, Travelers did get largely below-average scores in the 2021 J.D. Power U.S Auto Insurance Study, which could indicate a abject horizontal surface of overall customer satisfaction. Learn more: Travelers Insurance review
Geico
Geico offers one of the longest lists of car insurance discounts in the industry. write opportunities include having certain vehicle condom features, being a federal employee or military member, wearing your seat belt and being affiliated with certain groups, like alumnus associations. The company besides has a highly-rated mobile app. Geico earned the peak smudge for its digital service in the 2021 J.D. Power U.S. Insurance Digital Experience Study. But if you want a party with highly customizable coverage, Geico might not be right for you. There are only a few endorsements that you can add to your policy. Learn more: Geico Insurance review
Erie
Erie offers low average rates combined with highly-rated customer service. Erie scored above the industry average in the 2021 J.D. Power U.S. Auto Insurance Study in the regions where it is sold. Erie offers a unique Rate Lock sport, which prevents your premium from increasing for a certain total of time unless you make changes to your policy, like adding a vehicle or driver. Erie is another regional carrier and is only available in 12 states, though, so it ’ s not available in many areas of the country. Learn more: Erie Insurance reappraisal
Auto-Owners
If you can afford to pay your premium in full, Auto-Owners offers a paid-in-full rebate that may lower your rate. The company besides offers numerous coverage options, including diminished respect coverage, car rental reimbursement, col coverage, roadside aid and the Personal Automobile Plus box, which includes coverage for rekeying locks and identity larceny. Auto-Owners is a regional carrier only available in 26 states, so it won ’ deoxythymidine monophosphate be an option for everyone. Learn more: Auto-Owners Insurance recapitulation
Amica
AAmica received one of the highest scores in the J.D. Power study for its brilliant customer service. One of the most unique aspects of Amica is its dividend policy option. If you choose a dividend policy, you could get up to 20 % of your annual bounty bet on each class. The company besides offers several optional coverage choices and discounts. however, Amica may not be the cheapest option for drivers with accidents on tickets on their drive read. Learn more: Amica Insurance review
How to find the cheapest full coverage insurance
Because you are buying more coverage, full coverage car indemnity is probably to cost more than minimum coverage or liability-only coverage. however, there are steps you can take that might help you save :
- Compare quotes: Getting quotes for the same coverage from several different companies might help you find the coverage you are looking for at a more competitive price.
- Take advantage of discounts: Most insurance companies offer discounts that could help you save money. Taking advantage of the discounts you qualify for generally lowers your premium.
- Drive safely: If you have accidents, tickets or DUI convictions on your record, you will likely pay a higher premium. Maintaining a clean driving record can help keep your premium down.
- Increase your deductibles: Both comprehensive coverage and collision coverage come with a deductible, which is the amount of money you agree to pay if you file a claim for damage to your vehicle. Increasing one or both of your deductibles can lower your premium, but your collision coverage deductible generally has the biggest premium impact. Just be sure to choose a level that you can afford to pay if you file a claim.
Although price is an important agent when buying car insurance, it is not the only aspect of a company to consider. Customer service ratings, fiscal strength scores, available coverage options, discounts and policy features are all significant to think about .
Frequently asked questions
What is the average cost of car insurance?
A entire coverage policy costs an average of $ 1,674 in the U.S., but your premium will differ based on your singular circumstances. Your driving history, the character of vehicle you drive, the state you live in and the party you choose will all have an shock on your premium .
What are the best car insurance companies?
There are several car policy companies that stand out as being among the best, including USAA, State Farm and Clearcover. however, the best car policy ship’s company for you will depend on your specific wants, needs and fink factors. There international relations and security network ’ thyroxine a single indemnity supplier that is the best for everyone. To find the proper carrier for your needs, evaluate what you are looking for in a company and get quotes from a few unlike providers who might fit your situation .
Is full coverage better than liability-only?
not necessarily. Full coverage offers more protection because it adds coverage for wrong to your vehicle. however, every driver has a singular site when it comes to car policy. Liability-only coverage may fit the needs of some drivers, but others may want or need the increase protection of full coverage. If you aren ’ thyroxine sure how a lot coverage to purchase, working with an agent to determine your needs could be helpful .
What happens if I don’t buy insurance?
Most states require at least minimum amounts of certain car policy to drive legally. Although fully coverage is not required in any state, you may have to carry it if your fomite is leased or financed. If your budget is tight, you might be tempted to forgo all cable car indemnity coverage, but this is not something that insurance experts advise. If you are caught driving without policy, you could face fines and a license suspension. If you cause an accident without coverage, you ’ ll have to pay for the damages out of scoop. And if you skip coverage and your cable car is leased or financed, your fiscal institution may purchase coverage on your behalf and add the cost to your loan requital. This is called force-placed indemnity, and policies by and large cost more than you would pay if you purchase indemnity yourself .
Methodology
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 drive record, good citation and the pursue full 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 state of matter ’ s requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a week and drive 12,000 miles per annum. These are sample rates and should alone be used for comparative purposes .
Bankrate Scores
Bankrate Scores primarily reflect a weighted absolute of industry-standard ratings for fiscal military capability ( AM Best, S & P, Moody ’ randomness ) and customer experience ( J.D. Power, NAIC ), in addition to average quote rates from Quadrant Information Services. The J.D. Power studies utilize include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team ’ s extensive research and analysis provided a secondary appraisal of each insurance company ’ randomness on-line and mobile resources and policy management options, which besides contributed to overall ratings .