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Who has the cheapest full coverage auto insurance?

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Geico is the cheapest car insurance company for full coverage, among top insurers surveyed in a CarInsurance.com rate analysis.

Full coverage car insurance costs, on average, $1,355. That's more than twice as much as the cost for coverage that meets the minimum required to drive legally, $526 a year on average. But buying bare-bones coverage leaves you financially at risk. By doing a car insurance comparison for full coverage policies, you can find the best cheap car insurance that provides the most protection. Full coverage pays for damage to your own car in accidents you cause, which is why it costs more than state minimum coverage, which only covers damage you cause to others. Though you'll pay more for full coverage car insurance, you can still save by comparing rates, as prices vary dramatically among insurers.

Here are nationwide average car insurance rates by company, for full coverage, based on CarInsurance.com data:

CompanyAverage rate for full coverage
Geico$901
Nationwide/Allied$1,227
State Farm$1,313
Farmers$1,351
Progressive$1,415
Allstate$1,758

For full coverage, Geico tops the list as the cheapest car insurance company in the nation's capital and every state, except the following:

  • Alaska
  • Iowa
  • Kansas
  • Maryland
  • Missouri
  • North Carolina
  • North Dakota
  • Nebraska
  • New Jersey
  • Rhode Island
  • Texas
  • Virginia
  • Washington
  • Wyoming

What car insurance is the cheapest for full coverage?

Below you'll see how major car insurance companies compare for price for full coverage in your state. Full coverage policies are comprised of different types of car insurance that work together to pay to replace or repair your vehicle, and to pay for damage and injuries you cause. The components of a full coverage policy are liability insurance, which you need to legally drive, and comprehensive and collision, which are optional. Comprehensive and collision cover damage to your vehicle. Enter your state in the search field to see major insurers ranked cheapest to most expensive.

StateCompanyAverage annual rate
AlaskaState Farm$979
AlaskaGeico$1,075
AlaskaProgressive$1,080
AlaskaAllstate$1,304
AlabamaGeico$759
AlabamaMid Century$1,172
AlabamaNationwide$1,197
AlabamaAllstate$1,257
AlabamaState Farm$1,572
AlabamaProgressive$1,840
ArkansasGeico$980
ArkansasState Farm$1,165
ArkansasFarmers$1,176
ArkansasNationwide$1,483
ArkansasProgressive$1,594
ArkansasAllstate$1,821
ArizonaGeico$977
ArizonaProgressive$1,047
ArizonaFarmers$1,195
ArizonaState Farm$1,392
ArizonaNationwide$1,719
ArizonaAllstate$1,807
CaliforniaGeico$944
CaliforniaUnited Financial$1,128
CaliforniaNationwide$1,379
CaliforniaNationwide$1,756
CaliforniaFarmers$1,932
CaliforniaState Farm$1,967
ColoradoGeico$813
ColoradoState Farm$1,241
ColoradoFarmers$1,516
ColoradoProgressive$1,559
ColoradoAllstate$1,889
ConnecticutGeico$946
ConnecticutNationwide$1,254
ConnecticutState Farm$1,463
ConnecticutProgressive$2,026
ConnecticutAllstate$2,462
ConnecticutForemost$2,478
DCGeico$713
DCProgressive$1,496
DCState Farm$1,518
DCNationwide$1,977
DCAllstate$2,913
DelawareGeico$1,134
DelawareProgressive$1,333
DelawareNationwide$1,492
DelawareState Farm$1,872
DelawareAllstate$2,398
FloridaGeico$1,192
FloridaState Farm$1,611
FloridaProgressive$1,754
Florida21st Century Centennial$1,972
FloridaAllstate$2,584
GeorgiaGeico$762
GeorgiaNationwide$1,303
GeorgiaState Farm$1,372
GeorgiaProgressive$1,563
GeorgiaAllstate$1,701
HawaiiGeico$857
HawaiiState Farm$1,023
HawaiiAllstate$1,389
HawaiiProgressive$1,646
HawaiiFarmers$2,376
IowaAmco Ins Co$645
IowaGeico$693
IowaFarmers$933
IowaState Farm$945
IowaProgressive$1,286
IowaAllstate$1,589
IdahoGeico$713
IdahoFarmers$800
IdahoState Farm$845
IdahoProgressive$848
IdahoDepositors Ins Co$863
IdahoAllstate$1,577
IllinoisGeico$590
IllinoisAmco Ins Co$678
IllinoisState Farm$1,011
IllinoisIllinois Farmers$1,170
IllinoisProgressive$1,193
IllinoisAllstate$1,375
IndianaGeico$651
IndianaIllinois Farmers$748
IndianaProgressive$854
IndianaNationwide$866
IndianaState Farm$1,095
IndianaAllstate$1,569
KansasNationwide$814
KansasGeico$823
KansasState Farm$1,166
KansasFarmers$1,249
KansasProgressive$1,682
KansasAllstate$1,718
KentuckyGeico$881
KentuckyNationwide$1,631
KentuckyProgressive$1,693
KentuckyState Farm$1,734
KentuckyAllstate$2,822
LouisianaGeico$1,540
LouisianaState Farm$2,023
LouisianaAllstate$2,316
LouisianaProgressive$2,881
MassachusettsGeico$865
MassachusettsState Farm$884
MassachusettsProgressive$1,272
MassachusettsAllstate$1,742
MarylandProgressive$1,102
MarylandNationwide$1,114
MarylandGeico$1,199
MarylandState Farm$1,357
MarylandAllstate$2,177
MaineGeico$517
MaineState Farm$948
MaineProgressive$1,025
MaineAllstate$1,212
MichiganGeico$1,027
MichiganProgressive$1,714
MichiganTitan$2,177
MichiganAllstate$2,849
MichiganState Farm$3,135
MichiganFarmers$3,999
MinnesotaGeico$935
MinnesotaIllinois Farmers$1,030
MinnesotaAllied$1,188
MinnesotaState Farm$1,190
MinnesotaProgressive$1,295
MinnesotaAllstate$1,483
MissouriAllied$724
MissouriGeico$800
MissouriFarmers$1,051
MissouriState Farm$1,279
MissouriProgressive$1,303
MissouriAllstate$1,769
MississippiGeico$894
MississippiNationwide$1,184
MississippiProgressive Gulf Ins Co$1,268
MississippiState Farm$1,353
MississippiAllstate$1,917
MontanaGeico$848
MontanaProgressive$1,112
MontanaState Farm$1,149
MontanaDepositors$1,238
MontanaMid Century$1,244
MontanaAllstate$1,753
North CarolinaProgressive$622
North CarolinaGeico$704
North CarolinaState Farm$845
North CarolinaFarmers$1,046
North CarolinaNationwide$1,071
North CarolinaNationwide$1,205
North CarolinaAllstate$1,230
North DakotaAllied$753
North DakotaGeico$897
North DakotaProgressive$1,047
North DakotaState Farm$1,132
North DakotaAllstate$1,502
North DakotaMid Century$2,560
NebraskaAllied$711
NebraskaGeico$978
NebraskaState Farm$1,003
NebraskaMid Century$1,192
NebraskaAllstate$1,393
NebraskaProgressive$1,403
New HampshireGeico$550
New HampshireNationwide$867
New HampshireState Farm$1,036
New HampshireProgressive$1,465
New HampshireAllstate$1,588
New Jersey21st Century Centennial$762
New JerseyGeico$1,104
New JerseyProgressive$1,255
New JerseyAllstate NJ$1,761
New JerseyState Farm$1,847
New MexicoGeico$894
New MexicoProgressive$998
New MexicoState Farm$1,177
New MexicoFarmers$1,251
New MexicoAllstate$1,948
NevadaGeico$1,342
NevadaMid Century$1,537
NevadaProgressive$1,663
NevadaState Farm$1,726
NevadaVictoria$1,955
NevadaAllstate$2,256
New YorkGeico$993
New YorkProgressive$1,160
New YorkAllstate$1,587
New YorkState Farm$1,855
New YorkNationwide$2,098
New YorkForemost$2,858
OhioGeico$619
OhioState Farm$881
OhioFarmers$887
OhioProgressive$999
OhioNationwide$1,015
OhioAllstate$1,310
OklahomaGeico$1,050
OklahomaFarmers$1,327
OklahomaState Farm$1,416
OklahomaAllstate$1,918
OklahomaProgressive$2,506
OregonGeico$933
OregonState Farm$1,043
OregonNationwide$1,121
OregonProgressive$1,238
OregonFarmers$1,594
OregonAllstate$1,656
PennsylvaniaGeico$703
PennsylvaniaNationwide$711
PennsylvaniaState Farm$1,284
PennsylvaniaAllstate$1,729
PennsylvaniaProgressive$3,183
Rhode IslandState Farm$1,132
Rhode IslandGeico$1,292
Rhode IslandNationwide$1,678
Rhode IslandProgressive$2,092
Rhode IslandAllstate$2,246
South CarolinaGeico$1,050
South CarolinaAllstate$1,178
South CarolinaNationwide$1,200
South CarolinaProgressive$1,359
South CarolinaState Farm$1,511
South DakotaGeico$708
South DakotaNationwide$938
South DakotaMid Century$982
South DakotaState Farm$1,052
South DakotaProgressive$1,110
South DakotaAllstate$1,562
TennesseeGeico$764
TennesseeNationwide$796
TennesseeState Farm$1,131
TennesseeProgressive$1,223
TennesseeMid Century$1,576
TennesseeAllstate$1,794
TexasFarmers$905
TexasGeico$1,027
TexasColonial$1,247
TexasProgressive$1,328
TexasState Farm$1,348
TexasAllstate$1,949
UtahGeico$684
UtahMid Century$1,016
UtahAllied$1,119
UtahAllstate$1,353
UtahProgressive$1,503
UtahState Farm$1,518
VirginiaNationwide$744
VirginiaGeico$894
VirginiaState Farm$969
VirginiaAllstate$1,102
VirginiaProgressive$1,150
VermontGeico$485
VermontNationwide$789
VermontProgressive$1,103
VermontAllstate$1,183
VermontState Farm$1,255
WashingtonNationwide$1,028
WashingtonGeico$1,075
WashingtonProgressive$1,092
WashingtonState Farm$1,160
WashingtonFarmers$1,335
WashingtonAllstate$1,455
WisconsinGeico$663
WisconsinState Farm$914
WisconsinMid Century$1,021
WisconsinArtisan$1,176
WisconsinAllstate$1,484
WisconsinNationwide$2,851
West VirginiaGeico$1,149
West VirginiaProgressive$1,238
West VirginiaState Farm$1,309
West VirginiaNationwide$1,327
West VirginiaAllstate$1,853
WyomingState Farm$1,128
WyomingGeico$1,287
WyomingFarmers$1,688
WyomingAllstate$1,874

*Rates were fielded by Quadrant Information Services from up to six major insurers in nearly every ZIP code of each state. Driver profile: male, age 40, married, clean record and good credit, driving 2016 Honda Accord. Coverage includes $100,000 in liability per person for injuries in an accident, up to $300,000 per accident, with $100,000 in property damage liability, with a $500 deductible on comprehensive and collision.

 

What is full coverage car insurance?

The components of a full coverage policy and what they do:

  • Liability insurance, required to drive, covers damage and injuries you cause to others up to the amount you choose
  • Comprehensive and collision coverage, which are optional, pay out up to the cash value of your vehicle, minus your deductible
  • Comprehensive coverage pays to replace your car if it’s stolen and pays for damages from fallen objects, like a tree, and from fire, floods, animal strikes and vandalism
  • Collision coverage pays to repair your car if you're in an accident that's your fault
  • The average cost for collision is $526, comprehensive is $192, annually, according to CarInsurance.com rate data

Liability limits are usually written like this: 100/300/100. In this example, the numbers show coverage that would pay:

  • medical expenses of up to $100,000 per person for those you injure in an accident
  • medical expenses up to $300,000 per accident for others' injuries
  • up to $100,000 for property damage to another driver's vehicle or property

Do I need full coverage car insurance?

When you shop for a policy, you'll have to decide how much coverage you need. The decision may not be up to you if you lease or owe on a loan for your car. Most lenders require that you buy a liability policy with comprehensive and collision insurance. Still, opting for full coverage makes sense financially, unless you drive an old car that's not worth much or have no assets to protect.

Gusner recommends the following liability limits if your net worth is:

  • less than $50,000 choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

Comprehensive and collision only pay out up to the actual cash value of your car, minus a deductible you pay first. That’s why these coverages may be unnecessary if the vehicle is old and has little value.

Coverage recommendations for collision and comprehensive:

  • If your car is less than 10 years old, you should consider buying collision and comprehensive.
  • If your car is more than 10 years old, buy collision and comprehensive if your car is worth $3,000 or more.
  • Buy collision and comprehensive if you can’t afford to replace it if you crash it.
  • Buy comprehensive if you live in an area prone to fire, hail, flooding, vandalism, animal strikes or theft.

How much more does full coverage cost compared to liability only?

Typically, buying higher liability limits doesn’t cost that much more. Consider the following, based on CarInsurance.com’s analysis of rates from up to six major insurers for nearly all ZIP codes:

  • The nationwide average cost for state minimum liability coverage is $526
  • Increasing that coverage to $50,000/$100,000/$50,000 averages only $561. So, you only pay another $35 a year by increasing your coverage.
  • If you increase that to $100,000/$300,000/$100,000 with comprehensive and collision and a $500 deductible, that average goes up to $1,350, which is $824 more per year or $69 per month.

Still not sure what to do? One general guideline you can follow: Full coverage is worthwhile if the value of your car is more than the total cost of jumping to a full coverage policy from the state minimum, plus your deductible. Let's use the example of average rates. The cost of state minimum coverage is $526. Full coverage costs $824 more than that. Add to that $500 for the deductible. You get $1,324. If your car is worth more than that, it pays to buy full coverage.

How to get the cheapest full coverage policy

Comparison shopping is the best way to save on car insurance.

When shopping for a policy, remember to:

  • Compare the same deductible amounts. Comprehensive and collision are usually sold together, though not always.
  • Be sure liability limits are also identical when comparing rates.
  • See what add-on coverages are available, and if there are restrictions or costs associated with these. Examples include roadside assistance and accident forgiveness.
  • Always use the same core info, such the same list of drivers.

Below you'll see how much the average driver can save by comparing car insurance quotes. The table shows state car insurance rates for a typical driver with full coverage, and the difference between the highest and lowest average quotes for the same policy. The amount you can save varies by state, but overall, here are key findings:

  • the average savings nationwide after comparing car insurance quotes for full coverage $1,127 a year
  • the average percentage savings is 138% a year

Full coverage car insurance rates by state: How much you can save in every state

StateAverage annual rateAverage highest rateAverage lowest rateAverage $ savingsAverage % savings
Michigan$2,490$4,025$1,013$3,012297%
Pennsylvania$1,532$3,183$686$2,497364%
DC$1,722$2,876$696$2,180313%
Wisconsin$1,327$2,743$632$2,111334%
Kentucky$1,771$2,894$880$2,014229%
New York$1,782$2,893$992$1,901192%
North Dakota$1,311$2,560$743$1,817245%
Connecticut$1,775$2,564$924$1,640177%
Oklahoma$1,655$2,593$1,006$1,587158%
Louisiana$2,190$2,984$1,445$1,539107%
Florida$1,835$2,698$1,179$1,519129%
Hawaii$1,458$2,376$857$1,519177%
Delaware$1,655$2,422$1,107$1,315119%
Rhode Island$1,693$2,362$1,106$1,256114%
Maryland$1,396$2,223$1,071$1,152108%
New Jersey$1,353$1,887$745$1,142153%
Alabama$1,313$1,895$771$1,124146%
Missouri$1,158$1,805$705$1,100156%
Colorado$1,435$1,958$863$1,095127%
Tennessee$1,223$1,838$744$1,094147%
California$1,527$2,033$942$1,091116%
Mississippi$1,330$1,960$871$1,089125%
New Mexico$1,257$1,946$870$1,076124%
Texas$1,308$1,947$889$1,058119%
Georgia$1,348$1,795$740$1,055143%
Kansas$1,245$1,794$766$1,028134%
New Hampshire$1,102$1,583$557$1,026184%
Nevada$1,750$2,284$1,279$1,00579%
Iowa$1,024$1,625$630$995158%
Utah$1,212$1,591$653$938144%
Arizona$1,353$1,834$918$916100%
Massachusetts$1,191$1,757$851$906106%
Montana$1,224$1,753$848$905107%
Indiana$965$1,553$650$903139%
Idaho$946$1,581$694$887128%
Arkansas$1,383$1,849$964$88592%
South Dakota$1,052$1,548$685$863126%
West Virginia$1,387$1,921$1,110$81173%
Illinois$1,009$1,393$593$800135%
Vermont$967$1,269$472$797169%
Oregon$1,292$1,732$944$78883%
Nebraska$1,117$1,481$697$784112%
Wyoming$1,472$1,830$1,126$70463%
Maine$920$1,203$503$700139%
Ohio$957$1,312$626$686110%
North Carolina$963$1,241$620$621100%
Minnesota$1,200$1,517$899$61869%
Washington$1,197$1,498$994$50451%
South Carolina$1,263$1,528$1,030$49848%
Virginia$979$1,192$742$45061%
Alaska$1,114$1,305$952$35337%

Methodology: CarInsurance.com commissioned Quadrant Information Services in 2017 to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). The average state rate is comprised by averaging premiums for male and female drivers, age 40, male who commute 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The average savings is the dollar difference between the highest and lowest rates received from insurers surveyed, on average, for each state's ZIP codes. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

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