Car Insurance Quotes Full Coverage
Car Insurance Quotes Full Coverage
As of 2025, the average cost of full coverage car insurance is around $147 per month. Based on research, Travelers offers one of the most affordable options, with an average monthly rate of $122. The term “full coverage” can be a bit unclear. It usually refers to a combination of coverages that help protect your car and cover costs related to injuries or property damage. This often includes comprehensive and collision coverage, along with higher liability limits.
Full coverage auto insurance costs about $147 per month on average, based on liability limits of 50/100/50. If you are thinking about switching from a basic liability-only policy to full coverage, with $500 deductibles for collision and comprehensive, you might see your monthly premium go up by around $88.
Even though most states only require liability coverage, it is a smart idea to explore additional protection. Full coverage can help protect both you and your vehicle, especially if it’s a newer or more valuable car. When you are shopping for full coverage auto insurance, keep in mind that it is a mix of different protections, mainly comprehensive and collision insurance, plus the liability coverage your state requires.
Together, these make up what most people think of as full coverage. While full coverage is not required by law like liability insurance, your lender may ask for it if you are financing or leasing your car. It is also good to know that “full coverage” doesn’t mean every possible protection. Extras like personal injury protection, rental car reimbursement, or even higher liability limits may need to be added separately, depending on your needs.
How Much Is A Car Insurance Quote Full Coverage
On average, full coverage auto insurance costs about $147 per month, based on liability limits of 50/100/50. If you are upgrading from a liability-only policy to full coverage, with $500 deductibles for both collision and comprehensive coverage, you can expect your monthly premium to increase by roughly $88.
Although your state may only require liability coverage, adding extra protection is often a wise choice. Full coverage helps protect your vehicle and financial well-being, especially if your car is newer or more valuable.
What Are The Cheapest Car Insurance Companies For Full Coverage
As of 2025, the average monthly cost of full coverage car insurance is around $147. Based on research, Travelers offers the cheapest option, with rates starting at just $122 per month. Below are a few other affordable full coverage providers to consider:
Travelers – $122/month:
- Travelers offers full coverage, including comprehensive and collision, for about $122 per month on average.
American Family – $132/month:
- American Family’s full coverage plan is slightly higher, averaging around $132 each month.
USAA – $141/month:
- USAA provides full coverage at an average of $141 per month.
- Just keep in mind that USAA policies are only available to military members, veterans, and their families.
What Is The Average Cost For Car Insurance Quotes For Full Coverage
Below is the average cost for car insurance by companies:
Travelers:
- Average Monthly Premium: $107
- Average 6-Month Premium: $641
USAA:
- Average Monthly Premium: $109
- Average 6-Month Premium: $653
Nationwide:
- Average Monthly Premium: $120
- Average 6-Month Premium: $721
GEICO:
- Average Monthly Premium: $122
- Average 6-Month Premium: $735
American Family:
- Average Monthly Premium: $125
- Average 6-Month Premium: $748
State Farm:
- Average Monthly Premium: $125
- Average 6-Month Premium: $752
Progressive:
- Average Monthly Premium: $151
- Average 6-Month Premium: $906
Allstate:
- Average Monthly Premium: $196
- Average 6-Month Premium: $1,177
How To Find The Best Full Coverage Car Insurance
Finding affordable full coverage car insurance does not have to be complicated. Taking a little time to compare quotes from multiple providers can go a long way toward saving you money.
According to the analysis, Travelers and USAA offer some of the lowest rates for full coverage. If price is your main concern, these are great starting points. That said, every driver’s situation is different. Depending on your needs like customer service, coverage options, or discounts, other companies might be a better match for you.
What Are The Best Companies For Car Insurance Full Coverage
The companies listed below offer some of the best full coverage premiums for car insurance:
Best Overall — USAA:
- If you are eligible, USAA is hard to beat. It is exclusively available to military members, veterans, and their families, but it stands out for top-notch customer service. It offers one of the lowest average rates for full coverage.
Best for Young Drivers — Erie Insurance:
- Erie is a regional provider mainly serving the Northeast and Midwest. If it is available in your area, it could be a great choice, especially for younger drivers.
- Erie’s rates are more affordable than many competitors, and it ranks high for customer service.
Best for Claims Experience — State Farm:
- Available nationwide, State Farm ranks first for claim satisfaction in our survey.
- With a wide network of local agents, it is a great option if you prefer hands-on, personal service when managing your policy.
What Is Not Included In Car Insurance Quotes Full Coverage
While full coverage usually includes collision and comprehensive insurance, it does not cover everything. To get broader protection, you may need to add a few optional coverages to your policy. Below are some extras worth considering for more complete peace of mind:
Uninsured/Underinsured Motorist Coverage:
- Helps if you are hit by a driver with little or no insurance.
Medical Payments Coverage (MedPay):
- Covers medical expenses for you and your passengers after an accident.
Personal Injury Protection (PIP):
- Similar to MedPay, but may also cover lost wages and other related costs (varies by state).
Roadside Assistance and Towing:
- Covers help if your car breaks down or you need a tow.
Rental Car Reimbursement:
- Pays for a rental car while yours is being repaired after a covered loss.
Gap Insurance:
- Covers the difference between what you owe on your car and its current value if it’s totalled.
Custom Parts Coverage:
- Protects aftermarket additions like custom wheels or sound systems.
Is Car Insurance Full Coverage Required
No, full coverage is not required by law, unlike liability insurance, which most states mandate. However, if you are financing or leasing your car, your lender will almost always require you to carry full coverage. This protects their investment in case the vehicle is damaged or totalled.
Even if it is not required, full coverage is still a smart choice in many situations. Below is when it is recommended:
Required: If your car is leased or financed:
- If you do not fully own your car, your lender will usually require full coverage.
- This is to make sure the vehicle is protected, and they may even add their own insurance if you do not have it (called “force-placed” or “collateral protection” insurance).
Recommended: If your car is worth over $4,000:
- If your vehicle has a value of more than $4,000, full coverage is usually worth the cost.
- You can check your car’s value using tools like Kelley Blue Book or NADA.
- If your car is not worth much, though, and you have enough savings to cover a loss, full coverage might not be necessary.
Recommended: If you plan to resell the vehicle:
- If you are planning to sell your car in the future, full coverage helps preserve its value.
- Without it, you could be left with nothing if your car is totalled.
Recommended: If the driver is high-risk:
- Young, inexperienced drivers—or those with a history of accidents are more likely to benefit from full coverage.
- It offers extra financial protection in case of a crash.
- Again, whether it’s worth it depends on the value of the car.
Car Insurance Quotes Full Coverage By Region
Below is a car insurance quote for full coverage by region:
Travelers:
- Avg.. Monthly Premium: $100
- Avg.. 6-Month Premium: $600
USAA:
- Avg.. Monthly Premium: $120
- Avg.. 6-Month Premium: $721
American Family:
- Avg.. Monthly Premium: $127
- Avg.. 6-Month Premium: $762
GEICO:
- Avg.. Monthly Premium: $140
- Avg.. 6-Month Premium: $838
Progressive:
- Avg.. Monthly Premium: $163
- Avg.. 6-Month Premium: $976
Nationwide:
- Avg.. Monthly Premium: $174
- Avg.. 6-Month Premium: $1,043
Farmers:
- Avg.. Monthly Premium: $177
- Avg.. 6-Month Premium: $1,065
State Farm:
- Avg.. Monthly Premium: $190
- Avg.. 6-Month Premium: $1,138
Allstate:
- Avg.. Monthly Premium: $225
- Avg.. 6-Month Premium: $1,351
When searching for car insurance quotes, full coverage policies offer comprehensive protection for your vehicle, covering both collision and comprehensive damage. By comparing quotes from top providers like Travelers, USAA, and State Farm, you can find affordable options tailored to your needs. Remember, while full coverage is not legally required, it is a smart choice for vehicles valued over $4,000, leased or financed cars, and drivers who want extra peace of mind. Visit this WEBSITE for Details.