Aspire Advantage offers the cheapest full coverage car insurance in the U.S. at $190 per month on average, according to Jerry’s analysis of more than 600,000 quotes across more than 20 insurers.
Many factors help determine your car insurance premium. Understanding how things like your age, location and driving history affect your rate can help you set expectations and budget for full coverage.
Here are the cheapest full coverage car insurance rates across insurers, age groups and driving histories.
10 companies offering the cheapest full coverage insurance
The cheapest full coverage car insurance currently costs $2,277 on average per year, according to Jerry’s quote data.
Aspire, Safeco and Anchor General may offer affordable coverage. Because car insurance rates are based on your characteristics, it’s wise to get quotes from multiple insurers to find your cheapest option.
These 10 companies currently offer the cheapest full coverage car insurance.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Aspire Advantage | $190 | $2,284 |
| AAA | $192 | $2,305 |
| Anchor General | $205 | $2,463 |
| Mercury | $230 | $2,761 |
| Safeco | $232 | $2,787 |
| ROOT | $244 | $2,929 |
| Embark General | $271 | $3,251 |
| First Acceptance | $273 | $3,278 |
| Geico | $274 | $3,287 |
| National General | $280 | $3,361 |
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Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Best companies for cheap full coverage car insurance
The absolute cheapest full coverage policy may not be the best. Consider things like policy customization options, discounts, industry ratings and customer feedback when purchasing an auto policy.
More: The best car insurance companies
Safeco
The average full coverage Safeco policy costs $233 per month, according to Jerry's quote data.
Read our Safeco car insurance review
- Guarantees repairs made within the insurer’s network.
- Typically below-average rates.
- Relatively high financial strength rating.
- Higher-than-expected consumer complaints.
- Poor J.D. Power ratings.
- Discounts and optional coverages may be limited.
Progressive
Progressive charges $296 per month for full coverage insurance, according to Jerry's data.
Read our Progressive car insurance review
- Ample policy customization options.
- 50-state availability.
- Files SR-22s.
- Many rate-discount opportunities.
- Low claims satisfaction rating from J.D. power.
Assurance America
The average full coverage policy from Assurance America costs $323 per month, according to Jerry's quote data.
Read our Assurance America car insurance review
- High rating from Jerry customers.
- A+ BBB rating.
- Available in only 10 states.
- Rates may be high.
Cheapest full coverage car insurance by age
Younger drivers start off paying higher premiums, but the price decreases as they reach their mid-20s, 30s and 40s. Rates often rise again in a driver’s later years.
Cheapest full coverage for drivers under 25 years old
Anchor General charges the lowest full coverage rates to drivers aged 25 and under at $279 per month, according to Jerry's quote data.
Drivers in their teens and early 20s who are just starting to drive carry the most accident risk, so full coverage car insurance is usually at its most expensive during this time. As you gain experience behind the wheel, and if you keep a clean driving record, rates could easily decrease.
More: Car insurance for teens
Many insurers offer discounts for insuring multiple vehicles under the same policy and for students away at school without a car, so the cheapest insurance in your early 20s may be one you share with other family members. If that’s not an option, be sure to compare car insurance quotes because some insurers offer cheaper coverage for young drivers than others.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Anchor General | $279 | $3,347 |
| ROOT | $286 | $3,434 |
| Aspire Advantage | $300 | $3,605 |
| Mercury | $327 | $3,928 |
| Safeco | $341 | $4,089 |
Cheapest full coverage policies for drivers between 25 and 54 years old
Aspire Advantage offers the cheapest full coverage premiums to drivers between 25 and 54 at $173 per month for drivers in that age group, according to Jerry's quote data.
Drivers who maintain clean records from their mid-20s through their 50s are likely to see rates decrease as they rack up driving experience.
During this period, it’s wise to regularly shop for a better rate because insurers will compete for experienced drivers with good records. Life events during this period could earn you discounts — being a homeowner, adding a partner’s vehicle to your policy, and any teen driver on the policy earning good grades can all help lower your rate.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Aspire Advantage | $173 | $2,075 |
| Anchor General | $196 | $2,346 |
| AAA | $204 | $2,447 |
| Mercury | $218 | $2,621 |
| Safeco | $232 | $2,781 |
Cheapest full coverage policies for drivers aged 55 and older
The cheapest full coverage for drivers age 55 and older comes from Mercury, which charges $143 per month to drivers in that age group, according to Jerry's analysis.
Your accident risk rises slightly in your later years, and car insurance rates are likely to follow. However, if you find yourself driving fewer miles or have held onto the same vehicle for years, the higher price may be slightly offset by discounts and lower full coverage costs.
More: What is the average cost of car insurance?
Maintaining full coverage during this time can protect your peace of mind, and some insurers offer lower rates and perks such as accident forgiveness or guaranteed renewal to long-term customers.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Mercury | $143 | $1,712 |
| Aspire Advantage | $151 | $1,808 |
| AAA | $165 | $1,982 |
| Anchor General | $173 | $2,072 |
| Embark General | $198 | $2,381 |
Cheapest full coverage car insurance by driving history
Your driving history is one of the most important factors that insurers use to price your policy. A clean driving record is the best way to keep rates as low as possible. Drivers with claims and violations on their records may be able to find affordable auto insurance, but they’ll likely have to look harder.
More: Affordable car insurance for high-risk drivers
Cheapest full coverage for drivers with clean records
The insurance company offering the cheapest full coverage insurance to drivers with a clean record is Aspire Advantage, which charges $190 per month, according to Jerry's quote data.
Drivers with clean records often have their pick of insurers, so it’s worth your time to compare features among providers that offer the most affordable coverage.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Aspire Advantage | $190 | $2,277 |
| AAA | $190 | $2,285 |
| Anchor General | $205 | $2,465 |
| Mercury | $230 | $2,762 |
| Safeco | $233 | $2,792 |
Cheapest full coverage after an at-fault accident
An at-fault accident will drive your full coverage insurance costs up — likely more so if the accident resulted in an injury. When your policy is close to renewing, it’s wise to compare quotes from multiple insurers to understand what a reasonable premium looks like when the accident is priced in.
Here are the cheapest car insurance rates that drivers with an at-fault accident without injury have recently been quoted for full coverage, according to Jerry’s data.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Aspire Advantage | $209 | $2,505 |
| Anchor General | $247 | $2,969 |
| Bluefire | $281 | $3,377 |
| Safeco | $287 | $3,444 |
| Mercury | $299 | $3,590 |
These are quotes that insurers have recently given to drivers with an at-fault accident with injury on their record.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Bluefire | $221 | $2,646 |
| Aspire Advantage | $254 | $3,053 |
| Anchor General | $284 | $3,406 |
| First Acceptance | $285 | $3,417 |
| Mercury | $314 | $3,764 |
Cheapest full coverage car insurance for drivers with a speeding ticket
Drivers with a speeding ticket on their record can find low full coverage rates from Aspire Advantage, which charges an average of $243 per month to those drivers, according to Jerry's quote data.
Drivers with a speeding citation on their record are likely to pay more for full coverage than those without a ticket. The speed you were going when you received the ticket could help determine how much your rate rises by. A ticket for driving three miles per hour over the speed limit is unlikely to affect your premium as much as a ticket for going 15 or 20 mph above the limit.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Aspire Advantage | $242 | $2,902 |
| Anchor General | $252 | $3,026 |
| Safeco | $264 | $3,173 |
| Bluefire | $280 | $3,364 |
| AAA | $290 | $3,481 |
Cheapest full coverage car insurance for drivers with a DUI
A DUI is a serious violation that will likely cause a spike in premium costs. If you’ve been convicted of one, you may be considered a high-risk driver, making insurance more expensive and harder to obtain. Because full coverage is expensive after a DUI, compare quotes to understand your options and find the best possible price.
|
Insurance company
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Safeco | $168 | $2,019 |
| Aspire Advantage | $218 | $2,613 |
| Anchor General | $260 | $3,119 |
| Mercury | $262 | $3,144 |
| Bluefire | $274 | $3,290 |
Cheapest full coverage car insurance for other violations
Traffic violations like using a cell phone while driving or driving on a suspended license can lead to high insurance premiums. Insurers view each violation differently when they calculate your premium, so compare quotes to find the most affordable policy for your situation.
|
Violation
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| Motorcycle Violation | $265 | $3,180 |
| Leaving scene of an Accident/Hit and Run | $274 | $3,287 |
| Defective Equipment | $284 | $3,406 |
| Passing School Bus | $308 | $3,693 |
| Homicide | $314 | $3,770 |
Cost of full coverage car insurance by state
Auto insurance premiums are priced based on the risk of injury or damage on the road. Location can be an especially important pricing factor for full coverage polices, which include comprehensive and collision coverage, which pay for damage to your car no matter who’s at fault. Damage from an accident, weather event, animal contact, vandalism and theft are all typically covered with full coverage insurance, and each locale has unique accident, weather and crime risks.
See average full coverage quotes for all states
|
State
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| AK | $205 | $2,457 |
| AL | $202 | $2,421 |
| AR | $253 | $3,036 |
| AZ | $263 | $3,151 |
| CA | $318 | $3,811 |
| CO | $299 | $3,585 |
| CT | $366 | $4,391 |
| DC | $449 | $5,393 |
| DE | $306 | $3,673 |
| FL | $374 | $4,484 |
| GA | $390 | $4,678 |
| HI | $209 | $2,506 |
| IA | $131 | $1,566 |
| ID | $139 | $1,672 |
| IL | $209 | $2,509 |
| IN | $174 | $2,092 |
| KS | $187 | $2,242 |
| KY | $336 | $4,036 |
| LA | $408 | $4,890 |
| MA | $297 | $3,563 |
| MD | $421 | $5,058 |
| ME | $148 | $1,781 |
| MI | $314 | $3,764 |
| MN | $218 | $2,613 |
| MO | $273 | $3,275 |
| MS | $249 | $2,988 |
| MT | $159 | $1,913 |
| NC | $188 | $2,251 |
| ND | $152 | $1,825 |
| NE | $199 | $2,387 |
| NH | $135 | $1,619 |
| NJ | $370 | $4,446 |
| NM | $174 | $2,088 |
| NV | $474 | $5,687 |
| NY | $850 | $10,202 |
| OH | $190 | $2,286 |
| OK | $223 | $2,679 |
| OR | $225 | $2,698 |
| PA | $266 | $3,192 |
| RI | $317 | $3,809 |
| SC | $296 | $3,551 |
| SD | $206 | $2,474 |
| TN | $210 | $2,526 |
| TX | $309 | $3,706 |
| UT | $201 | $2,413 |
| VA | $275 | $3,295 |
| VT | $137 | $1,643 |
| WA | $274 | $3,285 |
| WI | $182 | $2,188 |
| WV | $228 | $2,738 |
For example, a vehicle in Florida is more likely to be damaged in a hurricane than a vehicle in Oklahoma, but a vehicle in densely populated Massachusetts may be more vulnerable to theft or vandalism than one in sparsely populated Wyoming.
These are the five states with the cheapest full coverage car insurance.
|
State
|
Average monthly quote
|
Average annual quote
|
|---|---|---|
| IA | $110 | $1,322 |
| NH | $116 | $1,397 |
| ID | $116 | $1,398 |
| VT | $117 | $1,405 |
| WY | $118 | $1,420 |
How to get cheap full coverage car insurance
- Determine how much coverage you need. Full coverage includes any state-mandated coverage, collision and comprehensive insurances, but you must decide your liability limits, or the maximum amount an insurer would pay out after an accident. Also decide if you want any additional coverage, such as roadside assistance or gap insurance. Comprehensive and collision claims require a deductible, so consider how much you’d want to pay out of pocket before coverage kicks in if your car’s in the shop.
- Consider other needs. Assess which features would make an insurer stand out if you got two similar quotes. This could be an exceptional mobile experience, name recognition, online reputation or 24/7 customer service.
- Compare quotes from multiple insurers. Just like you might price-check a vehicle at multiple dealerships before you buy, you can get multiple quotes for car insurance before you start a policy. This process doesn’t affect your credit score and any penalty fees for switching insurers are likely to be low, so take your time as you search for the right policy at the best price.
- Look for discounts. Some insurers offer more than a dozen discounts for things like bundling policies, teen drivers with good grades, insuring a vehicle with certain safety features and paying the full premium upfront. Be sure all eligible discounts are added to your policy before you buy it.
- Maintain good driving habits. Because at-fault accidents, speeding tickets and other violations can drive up your rate, the best way to keep a full coverage policy cheap is by keeping a clean driving record and paying your insurance bill on time.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.
