Full coverage car insurance provides liability insurance and coverage for your car (collision and comprehensive). Many drivers can benefit from this coverage, especially those who want to insure the value of their car.
All the best full coverage car insurance companies will offer affordable rates, have good ratings, and provide standard coverages. In choosing products for this guide, we considered top choices for different types of drivers.
Here are the best full coverage car insurance companies of 2025.
Best Full Coverage Car Insurance
- Cheapest Full Coverage Car Insurance: State Farm Auto Insurance
- Best for Discounts: Farmers Auto Insurance
- Best for High-Risk Drivers: Auto-Owners car insurance
- Best for Luxury Vehicles: Chubb
- Best for People with Poor Credit: GEICO Auto Insurance
- Best for Customer Service: Erie Auto Insurance
- Best for Military Members: USAA Auto Insurance
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Cheapest Full Coverage Car Insurance
817
A++
- Nationwide presence
- High customer satisfaction and claims satisfaction rankings
- Discounts for bundling insurance products
- Quotes are only available through captive agents (who only quote State Farm)
- Pricing may be higher or products unavailable for high-risk drivers
- Rates may rise quickly for households with teen drivers
State Farm auto insurance offers coverage across all 50 states and Washington, DC. It has comprehensive, collision, and liability coverage along with less common options like rideshare coverage.
State FarmIf you're like most customers and want a balance of affordability, good customer service, and reliable coverage, you might like State Farm Auto Insurance. 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 car insurance policy with State Farm ($1,141 annually) is significantly cheaper than the national average ($1,638 annually). It's also cheaper for young drivers and drivers with moving violations.
State Farm also earns high marks from several third-party rating agencies:
| Agency | Ratings |
| JD Power Customer Satisfaction Study | Above average in nearly all regions |
| JD Power's Claims Satisfaction Study | Above-average |
| NAIC Complaint Index | Fewer complaints than expected volume for its size |
Highlights:
- High JD Power ratings
- Cheap full coverage car insurance for various driver profiles
- No access to independent agents
Best Full Coverage Car Insurance for Discounts
828
A
- Diverse coverage options for qualified buyers
- Wide array of discounts and bundling options
- Available in all 50 states and Washington, DC
- Prices may not be competitive against many budget auto insurance companies
- Online quoting may not be as easy as some competitors
While other providers list less than 12 car insurance discounts, Farmers Auto Insurance 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 initial price tag. A full coverage car insurance 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
Best Full Coverage Car Insurance for High-Risk Drivers
#10
A++ (Superior)
- Ranked #10 in J.D. Power's auto claims satisfaction survey
- Lots of discount and coverage options
- Not available in all states
- High marks on customer satisfaction
- Roadside assistance, purchase price guarantee, and rental car coverage
- Discounts for students, bundling, vehicle safety, policy coverage, and payment history.
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, which means your this is costly for insurers.
You share your risk by paying in premiums, and Auto-Owners car insurance has the lowest premiums for high-risk drivers. At $2,256 per year for a full coverage car insurance policy for high-risk drivers, 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.
Highlights:
- Competitive rates on high-risk full coverage car insurance
- Accident forgiveness coverage and SR-22 filings
Only available in 26 states
Best Full Coverage Car Insurance for Luxury Vehicles
809
A++
- One of the largest names in insurance
- Diverse insurance products including luxury homeowners insurance
- International insurance options
- May not offer the most competitive rates on insurance products
- May not offer coverage for lower income insureds
If you're a luxury car owner, you may need more coverage than the standard policy offers, which is where full coverage car insurance comes in handy. Chubb offers policies made for high-value car owners. Here are some of the benefits 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 the mechanic that you trust with your car.
Chubb isn't the cheapest full coverage auto insurance on the market. If you have a standard vehicle, you may find better rates elsewhere. However, its policies and stipulations are perfect for drivers with expensive or custom cars.
Highlights
- Specific coverages for luxury cars
- Higher coverage limits
- High premiums
Best Full Coverage Car Insurance for People with Poor Credit
824
A++
- National presence with coverage in all 50 states
- Buyers can bundle with homeowners, renters, and other insurance products
- Offers some of the most competitive auto insurance rates
- Claims adjusters may be able to reduce or eliminate deductibles on some claims
- Customer satisfaction varies across products
- Claims process may be longer than some competitors based on customer reviews
GEICO offers auto, homeowners, and life insurance. It's been around since 1936 and generally offers some of the lowest rates. However, customer satisfaction may be an issue.
GEICO Auto Insurance- Discounts for safe driving, good grades, military, and more
- Available in all 50 states
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 Auto Insurance still offers friendly rates for full coverage car insurance.
GEICO drivers with bad credit pay $1,885 a year. That's 40% cheaper than the national average ($3,117). Its wide selection of discounts of up to 25% also makes it easier to secure a lower rate.
Highlights:
- Cheap full coverage car insurance for drivers with poor credit
- Discounts up to 25%
- Only sells through captive agents
Best Full Coverage Car Insurance for Customer Service
893
A+ (Superior)
- Quotes available through a network of independent agents who can help you with diverse insurance needs
- Strong reputation in states it does serve
- Not available in all 50 states
- You need to call in to file most claims
- Great customer service with several discounts
- Available in 12 states plus Washington, D.C.
- Earn cash for good driving through the YourTurn program
If a company has many bad claims and complaints of customer dissatisfaction, you may end up unhappy with your provider among policyholders. Even if you have full coverage car insurance, poor customer service can bog down your claims and cause more problems down the line.
We found that Erie Auto Insurance has the best auto insurance company for its quality of customer service, with high customer satisfaction rating and the best claims satisfactions rating from JD Power. Here's how it places with third-party agencies:
| Survey | Ratings |
| JD Power Customer Satisfaction Study | No.1 in the Mid-Atlantic and North Central region |
| JD Power Claims Satisfaction Study | No.1 |
| JD Power Shopping Satisfaction Study | 3rd |
| NAIC Complaint Index | Fewer complaints than expected volume for its size |
Erie also has generally low premiums, averaging $1,181, though your full coverage car insurance policy may cost more.
Highlights
- No.1 for two JD Power satisfaction surveys
- Low volume of complaints
Best Full Coverage Car Insurance for Military Members
871
A++
- Low rates for eligible buyers
- Coverage is available in all 50 states and Washington, DC
- Auto policies can be bundled with other insurance plans and financial products
- Only available to military, veterans, and their families.
- Claims may take longer than with some other providers
USAA Auto Insurance could be a great option if you're a current or former military member; no one else is eligible. Coverage is available in all 50 states, and premiums are generally affordable.
USAA Auto Insurance- USAA auto insurance is open to the military, veterans, and their families
- Discounts for safe driving and more
Military members trust USAA for its financial services, such as banking and loans. USAA is also a highly praised and popular insurance provider, offering all types of insurance products, including car insurance.
USAA drivers save about 36% on their full coverage auto insurance 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 Auto Insurance 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.
| Survey | Ratings |
| JD Power customer satisfaction study | High scores in every region |
| JD Power Claims satisfaction study | Placed third-highest for claims satisfaction |
While USAA has some of the cheapest full coverage auto insurance policies, 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
- Cheap full coverage car insurance
- Excellent company ratings
- Only military-affiliated members qualify
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Factors That Affect Full Coverage Car Insurance Costs
A few factors that influence the cost of full coverage auto insurance 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 full coverage car insurance policy.
- Vehicle characteristics: Having an older vehicle with lower repair costs will likely result in cheaper policies. On the other hand, full coverage car insurance will cost more when you're covering a more expensive vehicle, as it's covering the cost of your car. Additionally, safer vehicles will result in cheaper policies.
- Coverages: Your policy will be more expensive if you have more car insurance coverage. Full coverage car insurance is generally more expensive. 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 unforgiving your city is to vehicles, 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 liability-only coverage. The good news is that it may be able to fit your budget. Here are some insurance cost-cutting strategies to get cheap full coverage auto insurance:
- 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 full coverage auto insurance 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.
Why You Should Trust Us: How We Chose the Best 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 for evaluating full coverage car insurance 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 and Better Business Bureau.
- Financial stability: We used AM Best's Financial Strength Rating to determine a company's ability to payout on claims and meet its other financial obligations in the long term.
Read more about how Business Insider rates car insurance companies.
FAQs
What is the cheapest full coverage car insurance?
USAA offers the cheapest full coverage car insurance, with high customer satisfaction and low premiums. If you don't qualify for USAA, State Farm offers the next cheapest full coverage auto insurance.
How much should I pay for full coverage car insurance?
The average full coverage car insurance policy costs $1,638 annually.
Is full coverage car insurance worth it for a new or expensive car?
Yes, full coverage car insurance is worth it for a new or expensive car, as it'll cost more to replace or repair. As a result, your insurance policy will pay out more when you file a claim.
Do I need full coverage if I'm financing or leasing my car?
No, generally you don't need full coverage car insurance if you're financing or leasing a car. You're required to get comprehensive coverage, but upgrading to full coverage is optional.
Should I drop full coverage car insurance if my car is older?
Yes, dropping full coverage car insurance can be a good way to save money if your car is older, as it's less valuable, so your insurance company won't pay out as much.
