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The cheapest comprehensive auto insurance starts at an average of $88 per month, with companies that pay full price including USAA, Motor and Geico.
Cheap Full Coverage Auto Insurance
We at Team Guides Auto have compared the best car insurance companies to find the most affordable options for drivers. In this article, we’ll take a look at which companies offer comprehensive car insurance and include our top picks.
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Why trust our team The Auto Guides team is committed to providing honest information to help you make the best car insurance decisions. Our researchers, writers, and editors vet vendors and analyze customer reviews and opinions so you can choose with confidence.
According to our estimates, USAA offers full coverage car insurance for an average price 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. Looking at bulk providers, Nation is the cheapest with monthly rates averaging $107.
Next, we’ll look at the best auto insurance companies broken down by state, driving age, and driving experience.
Your location is one of the most important factors that affect your car insurance premium. This section shows the cheapest provider based on our estimates for a 35-year-old driver in each state.
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While companies like Geico and USAA offer cheap car insurance on average, the cheapest car insurance company varies from state to state. Local service providers such as Land Fund Insurance and Farm Bureau Insurance also offer premium rates, so you are encouraged to compare all your options.
*This table does not include USAA. Although it is often the cheapest provider in many countries, it is only available to military personnel, veterans and their children.
Age is another important factor in the price of comprehensive car insurance. Young drivers face higher rates of accidents and violations, which can lead to higher car insurance costs. Our averages show that Geico is the cheapest provider for drivers of all ages.
Your driving experience has a big impact on the rates you pay. Depending on your state, you may pay higher auto insurance rates for three to five years after an accident or violation.
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According to our average rates, State Farm, Nationwide and Geico often pay for drivers involved in accidents or breaking the rules. But this is not always the case. Let’s look at average rates for different situations.
And the median annual salary is $1,656. Our averages here are about 16-20 mph over the limit, and we’ve found that this type of fine increases rates by an average of $583 per year.
Running a stop sign can put people at risk and significantly increase your insurance rates. Our estimates show that drivers pay an average of more than $550 a year for such a violation. The nation is the cheapest mass service provider on our list, with an average salary of $1,650 a year.
Having a DUI on your record can cause your insurance rates to skyrocket. Our estimates show that drivers pay an average of $1,547 more per year for having a DUI on their record. 89% higher than average rates for driving without a license. If a DUI stays on your insurance record for three years, you’ll pay about $4,641 more over that time.
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Our averages show that State Farm is the least expensive provider to have a DUI. American family, progressives and travelers too.
Random errors can increase your bids by 55%, according to our averages. State Farm is the cheapest national provider in this plan, offering an average annual rate of $1,882.
Being at fault for an accident and a speeding ticket on the same driving record is associated with higher car insurance rates. Our averages show that drivers with these two ratings pay an average of 86% more for their car insurance every year. In this case, State Farm is the lowest mass market provider at $2,077 per year.
With two at-fault accidents on your record, you become a risky driver to insure. Our estimates show that drivers with two accidents cost on average more than double what drivers with clean records pay, averaging $2,031 more per year.
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In this situation, it is better to have State Farm, USAA, American Family, or National, as they are the four primary providers for two-accident drivers.
If you have been involved in three at-fault accidents, you may have a hard time finding affordable car insurance. State Farm is the largest insurance company that offers the lowest rates for these drivers, averaging $2,341 per year, but it’s still expensive. On average, drivers with three accidents in their recent insurance history pay $3,706 more per year for car insurance than people with a clean driving record.
After reviewing the cost estimates for different types of drivers, we select the cheapest car insurance: Nationwide, State Farm, Geico, USAA and American Family.
Island is our top choice for the cheapest comprehensive car insurance. According to our information, the company offers average rates about 26% below the national average for good drivers. It has one of the lowest rates in the country for people with speeding tickets and minor offences.
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The company has an A+ rating and accreditation from the Better Business Bureau (BBB), indicating that it responds quickly to complaints.
Professionals offer SmartRide® programs and SmartMiles® programs based on mileage usage. Offers 11 discounts. A+ rating and BBB approval. Rated 4.1 out of 5.0 as the best in our auto insurance consumer survey.
Our review team contacted Motu about their reviews but have not heard back.
After comparing auto insurance companies on price, coverage, reputation, affordability and customer experience, we rated State Farm 9.3 out of 10.0 and named it an Editors’ Choice. State Farm provides a great combination of value, excellent customer service and coverage options.
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Students can save on State Farm’s best rates with the Steer Clear® Young Driver Program. The company has an A+ rating from the BBB.
Good Wide selection of cover options Offers discounts for many types of drivers All cover rates are 14% below the national average.
Our review team reached out to State Farm about their reviews, but did not hear back.
Geico is another popular provider that offers cheap auto insurance. Our data shows that Geico is the cheapest in many states and offers average rates about 24% lower than the market average.
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In our survey of nearly 7,000 auto insurance consumers, about 16% of those denied had Geico insurance. These customers rated Geico 4.1 out of 5.0 for excellent service and 4.2 for claims handling. Geico also has an A+ rating from the BBB.
Professionals offer 16 car insurance rates. Scored 4.1 out of 5.0 as the best in our auto insurance customer survey. Offers the DriveEasy program to use. Low rates for those with multiple violations.
Our review team reached out to Geico for comment on its J.D. survey score. Power, but did not receive a response.
No list of comprehensive car insurance companies would be complete without USAA because it offers the lowest rates for eligible drivers. Our estimates show that USAA’s total coverage level is $1,054 per year, which is 39% lower than the national average.
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USAA also has high customer service ratings and received a top score from J.D. Power 2021 US Auto Claims Satisfaction Study℠ with 909 points out of 1000.
Pros Military dormitory and on-base parking discount Offers SafePilot® usage-based insurance program Rated 4.3 out of 5.0 for satisfaction in our auto insurance customer survey.
Our averages show that American Family Insurance is another provider that offers affordable comprehensive auto insurance coverage. Its average indicators are 11% lower than the national average. It is also one of the most comprehensive auto insurance options for drivers who have been involved in multiple accidents.
American Family has an A rating from the BBB and received a top score in our auto insurance consumer survey, achieving a 4.5 out of 5.0 rating.
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Pluses. Low cost auto insurance for many drivers. Offers 18 premium BBB ratings of 4.2 out of 5.0 for value in our auto insurance consumer survey.
Our rating team reached out to American Family Insurance for comment on the BBB customer rating, but the company declined to comment.
Comprehensive car insurance includes liability insurance and comprehensive and collision coverage. Combined, these three types of insurance will pay the other driver in the event of an accident and protect your car.
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