Affordable Full Coverage Car Insurance: Your Guide to Saving Big

 Affordable Full Coverage Car Insurance: Your Guide to Saving Big

Looking for affordable full coverage car insurance? Whether you're interested in policies from GEICO, Progressive, Liberty Mutual, or other leading providers, we've got you covered with no sales pitches, spam calls, or junk mail.

Cheapest Full Coverage Car Insurance

As of 2024, the average cost of full coverage car insurance is $182 per month. Based on our analysis, Travelers offers the most affordable full coverage insurance at an average of $112 per month. Here’s a look at other budget-friendly options:

  • Travelers: $112 per month
  • USAA: $114 per month
  • Nationwide: $123 per month

Key Takeaways:

  • Travelers provides the most affordable full coverage at $112 per month.
  • Full coverage includes comprehensive and collision coverage, plus higher liability limits.
  • It can cost up to double the price of a liability-only policy.
  • Full coverage is often required for leased or financed vehicles and recommended for cars valued over $4,000 or driven by high-risk drivers.
  • 70% of The Zebra’s customers opt for full coverage.

How Much Does Full Coverage Cost?

On average, full coverage auto insurance costs around $182 per month with liability limits of 50/100/50. Switching from a liability-only policy to full coverage could increase your monthly premium by about $88.

While your state may only require liability coverage, additional protection can safeguard your assets and provide peace of mind. According to our data, 70% of The Zebra’s customers choose full coverage. Below are average monthly premiums for various insurers:

  • Allstate: $196
  • Progressive: $151
  • State Farm: $125
  • American Family: $125
  • GEICO: $122
  • Nationwide: $120
  • USAA: $109
  • Travelers: $107

The Zebra’s Dynamic Insurance Rating Tool:

Our tool uses the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings are updated regularly and verified for accuracy.

Zebra Tip: Look for insurers with high customer satisfaction ratings. The cheapest option may not always offer the best service.

Finding the Best Full Coverage Car Insurance:

Comparing rates from different providers is key to finding budget-friendly full coverage car insurance. Travelers and USAA stand out as top options, but there are many insurers offering competitive rates.

Top-Rated Insurers for Full Coverage:

  • Best Overall for Full Coverage: USAA
  • Best for Young Drivers: Erie
  • Best for Claim Satisfaction: State Farm

Get Quotes in Minutes: Enter your ZIP code to receive personalized full coverage car insurance quotes.

What is Full Coverage Car Insurance?

"Full coverage" typically includes comprehensive, collision, and higher liability limits, offering protection for your vehicle and covering injuries and property damage.

Coverage Types:

  • Comprehensive Insurance: Covers damages from incidents other than collisions (e.g., theft, vandalism).
  • Collision Insurance: Covers damages from collisions with other vehicles or objects.
  • Liability Insurance: Covers damages and injuries you cause to others in an at-fault accident.

Optional Coverages: Consider additional protections like uninsured motorist coverage, medical payments, personal injury protection, roadside assistance, rental car reimbursement, gap insurance, and custom coverage for modified parts.

Is Full Coverage Required?

While full coverage isn’t legally required, it’s often mandated by lenders if you lease or finance your vehicle. It’s also recommended for vehicles worth over $4,000, those you plan to sell, or high-risk drivers.

Full Coverage vs. State Minimum Coverage:

Full coverage is generally more expensive than the state-required minimum. To find the best rates, consider lowering your liability limits if you have comprehensive and collision coverage.

Monthly Rates Comparison:

  • Travelers: $112 (Full Coverage) vs. $41 (Liability-Only)
  • USAA: $114 (Full Coverage) vs. $36 (Liability-Only)

Conclusion:

Finding the best full coverage car insurance involves comparing rates and considering your needs. Use The Zebra to explore the cheapest options and get a policy that fits your budget and protection requirements.

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