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Full coverage car insurance provides liability insurance and coverage for your car (collision and comprehensive). Most drivers could benefit from this coverage. Lenders may even require it as part of your auto loan agreement. 

But you don’t want to pick just any car insurance. It’s important to know how to find the right one so you can enjoy low rates and quality service.  

Compare the Top Cheap Full Coverage Car Insurance

The right car insurance will vary from person to person. However, all the best full coverage car insurance companies will offer affordable rates, have good ratings, and provide standard coverages. So, we’ve also included top choices for different types of drivers.

Here are the best and cheapest full coverage car insurance companies of 2024.

Best Cheap Full Coverage Car Insurance Overall: State Farm Auto Insurance 

If you’re like most customers and want a balance of affordability, good customer service, and reliable coverage, you might like State Farm. It’s the largest car insurance company by market share and is available in all 50 states except Rhode Island and Massachusetts.

A full-coverage policy with State Farm ($1,141 per year) is slightly cheaper than the national average ($1,638 per year). It’s also cheaper for young drivers and drivers with moving violations. 

State Farm also earns high marks from several third-party rating agencies: 

You can only buy a policy from a State Farm captive agent. While independent agents can recommend policies from different companies, captive agents can’t. So, before speaking to a State Farm representative, compare multiple quotes to know you’re truly getting the best deal.

Highlights:

• High JD Power ratings 
• Affordable coverage for various driver profiles
• No access to independent agents  

Read our State Farm car insurance review.

Best Cheap Full Coverage Car Insurance for Discounts: Farmers Auto Insurance

While other providers list less than 12 car insurance discounts, Farmers has over 23. (This can vary based on your location). You’ll find discounts for being a loyal customer, a student, or part of an affiliated organization. Like most companies, you can get 10% off your premium with a multi-policy discount. 

One downside is its price tag. A full coverage policy costs about $2,084 annually — 27% higher than the national average. 

Highlights:

• Multi-policy discount of up to 10%
• A wide array of discount offerings
• Expensive premiums

Read our Farmers car insurance review.

Best Cheap Full Coverage Car Insurance for High-Risk Drivers: Auto-Owners car insurance

High-risk drivers encompass various driver profiles. You could be a teen driver or someone with more than one accident. A high-risk driver can even be someone with a bad credit score. It just means your risk of an accident is higher — this is costly for insurers. 

You share your risk by paying in premiums, and Auto-Owners insurance has the lowest premiums for high-risk drivers. At $2,256 per year for a full coverage, high-risk insurance policy, Auto-Owners saves drivers more than $500 annually. 

Auto-Owners car insurance sells several coverages for high-risk drivers:

• Accident forgiveness: New or young drivers can upgrade their policy to prevent premium increases after their first at-fault accident. 
• SR-22 and FR-44: Documents to prove you’re insured with the minimum coverage limits. 

Auto-Owners provide insurance in 26 states. Drivers outside those states, like New York and California, must purchase car insurance elsewhere.

Highlights:

• Competitive rates on high-risk insurance 
• Accident forgiveness coverage and SR-22 filings 
• Only available in 26 states

Best Full Coverage Car Insurance for Luxury Vehicles: Chubb

If you’re a luxury car owner, you may need more coverage than the standard policy offers. Chubb Masterpiece is a policy made for high-value car owners. Here are some of the coverages it offers:

• Agreed Upon Value: Provides coverage up to your vehicle’s current market value without subtracting depreciation. 
• Original Equipment Manufacturer (OEM): Repairs your vehicle with its factory parts (which can be more expensive than aftermarket parts) to maintain performance and resale value. 
• Choice of repair shop: You aren’t limited to a specific mechanic in the company’s network. You can take your car to a trusted repair shop with a professional who knows your car. 

Chubb rates are higher than average, according to several quote comparison platforms (Compare, Insurify, TheZebra). If you have a standard vehicle, you may find better rates elsewhere.

Highlights

• Specific coverages for luxury cars
• Higher coverage limits 
• Expensive premiums

Best Cheap Full Coverage Car Insurance for People with Poor Credit: GEICO Auto Insurance

Your credit score informs your credit-based insurance score, which predicts your likelihood of a claim.  A lower credit score indicates a higher likelihood of filing a claim, which leads to increased premiums. If you have a poor credit score, GEICO offers friendly rates. 

GEICO drivers with bad credit pay $1,885 a year. That’s 40% cheaper than the national average. Its wide selection of discounts of up to 25% also makes it easier to get a better rate. 

It’s worth noting that GEICO only sells through captive agents. It’s a good idea to compare quotes from other companies before securing a GEICO policy.

Highlights:

• Affordable rates for drivers with poor credit 
• Discounts up to 25%
• Only sells through captive agents

Read our GEICO car insurance review.

Best Cheap Full Coverage Car Insurance for Customer Service: Erie Auto Insurance

If a company has many bad claims and complaints of customer dissatisfaction, you may end up unhappy with your provider among policyholders. Reviewing reviews and ratings can give you insight into your future experience with the company.  

We found that Erie has the best auto insurance company for its quality of customer service. Here’s how it places with third-party agencies.

However, it has mixed customer reviews, which is common for major insurance providers. Many expressed dissatisfaction with its claims handling and customer service. Others praised the company for its helpful insurance agents and low prices.

Erie is only available in 12 states and the District of Columbia.

Highlights

• No.1 for two JD Power satisfaction surveys
• Low volume of complaints 
• Mixed customer reviews

Read our Erie car insurance review.

Best Cheap Full Coverage Car Insurance for Military Members: USAA Auto Insurance

Military members trust USAA for its financial services, such as banking and loans. Car insurance is also a highly praised and popular insurance product. 

USAA drivers save about 36% on their full-coverage policy at $1,044 a year. Military-specific discounts may also sweeten the deal. You could save up to 15% discount by parking your vehicle in a garage on base. On deployment? USAA provides discounts if you store your vehicle and don’t drive your car while you’re away.

On top of its affordability, it has some of the best ratings in the industry. 

The downside is that this company is only available to those affiliated with the military community. According to USAA, people who qualify for coverage include: 

• Adult children and former spouses of USAA members
• Former USAA members
• Active duty officers and enlisted personnel
• National Guard
• Reserve officers and enlisted personnel
• Or officer candidates in commissioning programs
• Retired or separated military personnel

Highlights 

• Affordable car insurance
• Excellent company ratings
• Only military-affiliated members qualify

Read our USAA car insurance review.

Factors That Affect Full Coverage Insurance Costs

A few factors that influence your insurance costs include: 

• Age and gender: Men and younger drivers see higher rates on their insurance policy as they are more likely to experience a car crash.
• Driving history. Speeding tickets, DUIs, and at-fault accidents increase your likelihood of filing a claim, leading to higher rates on your policy.
• Vehicle characteristics. If you have a safer or older vehicle with lower repair costs, you’ll likely see cheaper policy prices.
• Coverages: Your policy will be more expensive if you have more car insurance coverage. Your deductibles, which you pay before receiving your claim payout, also affect your rates. A lower deductible leads to higher premiums and vice versa.  
• Location: Factors like cost of living, accidents, vandalism, theft, and weather risk affect your premium. Generally, the more expensive auto insurance is in your city, the higher your premiums will be.
• Credit score: In some states, insurance providers can use your credit-based insurance score to predict your likelihood of a claim. A good credit score indicates you may have a lower probability of filing a claim, which leads to cheaper premiums.

Tips for Finding the Cheapest Full Coverage Insurance

Full coverage car insurance is more expensive than the minimum coverage. The good news is that it may be able to fit your budget. Here are some insurance cost-cutting strategies:

• Shop around. Insurance companies weigh risks differently. Comparing quotes can help you find the best deal on your coverage. Savvy policyholders may utilize quote comparison platforms, like Insurify or Policygenius, to generate multiple quotes at once. 
• Improve your driving record. A mark on your record affects your premiums less each year you remain violation- and claims-free. So,  safer driving can keep your rates affordable as you gain more experience on the road. 
• Increase your deductible. A higher deductible leads to lower insurance premiums. Be aware that choosing a higher deductible means paying higher out-of-pocket costs when you file a claim. 
• Switch to pay-per-mile insurance. Low-mileage drivers (e.g., those who work from home, retirees, students, or people with short commutes) may be able to save money by switching to pay-per-mile insurance — so you only pay more if you drive more. 

Cheap Full Coverage Car Insurance Frequently Asked Questions 

Why You Should Trust Us: How We Chose the Best Cheap Full Coverage Car Insurance

We know how important choosing the right car insurance is. That’s why we developed a rating system to evaluate the quality of each car insurance company. Our methodology includes:

• Coverage options: We reviewed the breadth of coverage offered by different carriers. We specifically highlighted coverages catered to its target customers. 
• Prices: We used Policygenius quotes sourced from Quadrant data. The sample includes drivers aged 30, 35, and 45, each driving a 2017 Toyota Camry LE for about 10,000 miles per year, with 50/100/50 coverage limits and $500 deductibles for comprehensive and collision coverage. We also considered price variations for different driving profiles in our ratings.
• Customer service: Customer satisfaction depends on the quality of service an insurance agent provides, so it can vary widely. To measure satisfaction, we reviewed data from industry-leading rating agencies like JD Power and the NAIC Complaint Index. We also reviewed customer review sites like Trustpilot, Better Business Bureau, and Consumer Affairs. 
• Financial stability:  We used AM Best to determine a company’s ability to settle claims and meet its other financial obligations in the long term.

Read more about how Business Insider rates car insurance companies.