The top picks for cheap full coverage car insurance are Progressive, Nationwide, and Geico. Rates start at $77/month.

Progressive stands out for its low rates, while Nationwide excels with flexible plans. Geico is best for digital-savvy drivers.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$77	A+	Cheap Rates	Progressive
	#2	$81	A+	Flexible Plans	Nationwide
	#3	$82	A++	Online Service	Geico
	#4	$89	B	Claims Service	State Farm
	#5	$94	A++	Bundling Discounts	Travelers
	#6	$99	A	Customized Coverage	Liberty Mutual
	#7	$101	A	Personalized Deals	Farmers
	#8	$104	A	Loaylty Discounts	American Family
	#9	$107	A++	Customer Service	Auto-Owners
	#10	$122	A+	Comprehensive Plans	Allstate

These are the best car insurance companies for low full coverage premiums. By comparing these rates and benefits, you can find a plan that fits both your budget and coverage needs.

Find the best full coverage car insurance quotes by entering your ZIP code above into our free comparison tool today.

What You Should Know

• Find cheap full coverage car insurance with rates starting as low as $77/month
• Affordable full coverage includes liability, collision, and comprehensive protection
• Progressive is the top pick, known for budget-friendly rates and usage-based options

#1 – Progressive: Top Overall Pick

Pros

• Wide Range of Full Coverage: Our Progressive insurance review shows a broad selection of full coverage options starting at $77/month.
• Snapshot Program: Progressive’s telematics-based Snapshot program rewards safe driving, helping full coverage policyholders save on their premiums.
• Financial Strength: With an A+ rating from A.M. Best, Progressive is a financially stable option for full coverage insurance claims.

Cons

• Higher Premiums for Risky Drivers: Drivers with poor driving records may find Progressive’s full coverage premiums higher than other insurers.
• Variable Customer Service: Progressive’s customer service for full coverage claims can vary by region, with some customers reporting inconsistencies.

#2 – Nationwide: Cheapest Flexible Full Coverage Plans

Pros

• Reliable Claim Service: Guarantees timely handling of full coverage car insurance claims, according to our Nationwide insurance review.
• Customized Complete Coverage: Nationwide provides a wide range of alternatives for customized full coverage starting at $81/month.
• Accident Forgiveness: An advantage of Nationwide's full coverage insurance is the ability to prevent rate increases for drivers following their first at-fault collision.

Cons

• Greater Full Coverage Rates: When compared to rivals, Nationwide's full coverage rates could be a bit more expensive.
• Limited Discount Programs: Policyholders with full coverage may save less if there are fewer discount options available.

#3 – Geico: Best Online Tools

Pros

• Competitive Rates: Geico offers affordable full coverage starting at $82/month. Read ourGeico vs. Progressive insurance review to compare costs.
• Digital Experience: Easily manage full coverage policies through their advanced online platform.
• Strong Financial Rating: A++ from A.M. Best, indicating strong financial backing.

Cons

• Limited Physical Locations: Fewer local offices for personalized full coverage service.
• Higher Premiums for Risky Drivers: Geico’s full coverage can be expensive for high-risk drivers.

#4 – State Farm: Best Claims Service

Pros

• Dependable Full Coverage Savings: State Farm provides reliable full coverage starting at $89/month.
• Strong Claims Handling: Renowned for efficient full coverage claims service by J.D. Power surveys.
• Bundling Discounts: Drivers get additional savings for bundling full coverage with other insurance products.

Cons

• Lower Financial Strength: Its B rating from A.M. Best indicates weaker financial stability. Get more ratings from State Farm insurance customer reviews.
• Limited Digital Tools: Lacks advanced digital services for managing full coverage.

#5 – Travelers: Cheapest With Bundling Discounts

Pros

• Rates for Complete Coverage: Travelers is a wonderful option for drivers on a budget since it provides full coverage for $94 per month.
• Full Coverage Bundles: Travelers offers substantial savings on full coverage when bundling with other insurance policies, such as home or renters insurance.
• High Financial Rating: Travelers holds an A++ A.M. Best rating, ensuring a financially secure choice for full coverage insurance. Get more ratings in our Travelers review.

Cons

• Basic Online Tools: Travelers’ digital experience for managing full coverage policies is not as advanced as other insurers.
• Higher Rates for Younger Drivers: Younger drivers may find Travelers’ full coverage premiums slightly higher than other insurers.

#6 – Liberty Mutual: Cheapest Customized Full Coverage

Pros

• Policy Customization: Liberty Mutual offers various alternatives to drivers so they can customize full coverage insurance to meet their individual needs.
• 24/7 Customer Service: Drivers can file full coverage insurance claims or reach an agent at any time over the phone or online.
• Full Coverage Discounts: Our Liberty Mutual insurance review lists discounts that help lower full coverage premiums.

Cons

• Higher Full Coverage Premiums: Liberty Mutual full coverage insurance rates are generally higher than other companies on this list.
• Limited Digital Features: Some customers have reported that Liberty Mutual’s online tools for managing full coverage are not as advanced as other insurers.

#7 – Farmers: Cheapest Personalized Deals

Pros

• Numerous Insurance Discounts: Check out our Farmers insurance review for a list of full coverage insurance discounts.
• Personalized Full Coverage: With Farmers, you can customize your full coverage plan to your driving habits and budget.
• Reputable Customer Service: Farmers has a great reputation for taking care of full coverage insurance claims.

Cons

• Higher Premiums: Farmers full coverage plans can be a bit pricier than some other companies, but you'll get more coverage in return.
• Discount Availability: Not all of Farmers' discounts are available everywhere. So, it's worth checking to see if you qualify for any savings in your area.

#8 – American Family: Cheapest With Loyalty Discounts

Pros

• Variety of Discounts: Long-term customers can qualify for a number of discounts on full coverage plans, including generational discounts.
• Fair Full Coverage: AmFam is the ideal choice for families looking for value because it provides complete coverage for $104/month.
• Customer-Centric Service: According to American Family insurance reviews, it's highlighted the exceptional customer service for full coverage policyholders.

Cons

• Geographic Limitations: American Family full coverage is only available in select regions, reducing accessibility for some drivers.
• Higher Deductibles: Some of AmFam’s full coverage options come with higher deductibles, potentially increasing out-of-pocket expenses.

#9 – Auto-Owners: Best Customer Service

Pros

• Comprehensive Full Coverage: Compare full coverage rates in our Auto-Owners insurance review starting at $107/month.
• Exceptional Claims Handling: Known for seamless claims handling, Auto-Owners ensures a smooth experience for full coverage policyholders.
• Top Financial Strength: With an A++ rating from A.M. Best, Auto-Owners is a dependable choice if you ever need to file a full coverage claim.

Cons

• Fewer Discount Programs: The company offers fewer discount opportunities for full coverage compared to its competitors.
• Limited State Availability: You can only buy Auto-Owners full coverage auto insurance in 26 states.

#10 – Allstate: Best for Comprehensive Plan

Pros

• Wide Range of Full Coverage Plans: Allstate offers a variety of full coverage options.
• Strong Financial Strength: Allstate's A+ rating from A.M. Best reflects financial stability for handling full coverage car insurance claims.
• Discounts Available: Allstate provides discounts that can reduce full coverage premiums, including low-mileage and usage-based discounts.

Cons

• Higher Premiums: Full coverage plans with Allstate are priced higher than other options.
• Customer Service Variability: Customer service quality for full coverage varies depending on location. Read Allstate customer reviews to learn more.

Comparing Full Coverage Car Insurance Monthly Rates

The table below compares minimum and full coverage car insurance monthly rates across top providers.

Insurance Company	Minimum Coverage	Full Coverage
	$40	$122
	$37	$104
	$38	$107
	$36	$101
	$32	$82
	$35	$99
	$32	$81
	$31	$77
	$33	$89
	$34	$94

Progressive offers the most affordable full coverage option, with rates starting at $77 per month, followed by Nationwide at $81 per month and Geico at $82 per month.

These companies strike a balance between affordability and comprehensive coverage, but comparing full coverage car rates is essential.

Using tools to find and compare full coverage car insurance quotes can help pinpoint the most affordable companies near you.

Understanding the Types of Full Coverage Car Insurance

When choosing car insurance, it’s important to understand the difference between full coverage and liability-only insurance.

While liability car insurance is the most basic level of protection required by most states, full coverage goes beyond that by including both collision and comprehensive coverages.

Liability-only insurance is the minimum required coverage, protecting against damage and injury, but it does not cover repairs to your own vehicle. Full coverage provides broader protection with the following:

• State-Mandated Liability Insurance: Covers damage or injuries you cause to others in an accident. This is the minimum required by law in most states and protects against third-party claims.
• Collision Coverage: Pays for repairs to your vehicle after an accident, regardless of who was at fault. This ensures you aren’t left paying out-of-pocket for repairs after a crash.
• Comprehensive Coverage: Protects your car against non-collision-related incidents such as theft, vandalism, natural disasters, and weather-related damage. This broad protection is essential for safeguarding your vehicle in various scenarios.
• Uninsured/Underinsured Motorist Coverage: Steps in if you're involved in an accident with a driver who doesn’t have enough insurance to cover damages, providing critical protection when the other party is at fault but underinsured.
• Medical Payments Coverage (MedPay) or Personal Injury Protection (PIP): Covers medical expenses for you and your passengers after an accident, regardless of who was at fault. PIP may also cover lost wages and other expenses related to injury recovery.

While liability-only insurance is generally cheaper, full coverage is often required if you're financing or leasing your car, offering complete protection in case of accidents, theft, or weather-related damage.

Learn More: Collision vs. Comprehensive Coverage

Finding Full Coverage Car Insurance Discounts to Lower Rates

Many full coverage insurance providers, including State Farm and Travelers, offer multi-policy discounts for bundling auto and home coverage.

Insurance Company	Available Discount
	Safe Driver, New Car, Anti-Lock Brakes, Smart Student
	Steer Into Savings, Teen Safe Driver, Auto Safety, Paperless
	Bundling, Paperless, Safe Driver, Teen Driver
	Safe Driver, Bundling, Teen Driver, Anti-Theft
	Military, Good Driver, Anti-Theft, New Vehicle
	Paperless, Early Shopper, New Car, Bundling
	Paperless, Safe Driver, SmartRide, Multi-Vehicle
	Bundling, Continuous Insurance, Teen Driver, Snapshot
	Safe Driver, Multi-Vehicle, Anti-Theft, Good Student
	Hybrid/Electric, Continuous Insurance, Multi-Car, New Car

Safe driver discounts are also available to drivers who avoid accidents and claims. It's one of the top ways customers have saved money on car insurance rates.

Specialty discounts include hybrid/electric vehicle discounts from Liberty Mutual, and discounts for accident-free driving are offered by Nationwide and Travelers.

Amazing Savings on Cheap Full Coverage Car Insurance

When looking for cheap full coverage car insurance, Progressive, Nationwide, and Geico stand out for offering affordable rates.

These companies, along with others like Liberty Mutual and State Farm, provide reliable liability vs. full coverage insurance that meets a variety of needs.

Ready to find affordable full coverage auto insurance? Use our free comparison tool below to get started.