While full coverage car insurance is a commonly used phrase,In the world of auto insurance, there isn’t a single definition that applies to everyone. Having many protections for your car, such as liability, comprehensive, and collision coverage that above the state minimal requirements, is what this coverage actually refers to.
The finest low-cost full coverage auto insurance providers offer affordable coverage that enables drivers to satisfy state-mandated minimum levels of coverage as well as those established by lenders for those who borrow or lease their cars.
We’ll look at the most affordable full coverage auto insurance companies in this list, along with the ones that provide their customers the greatest extras and benefits.
Car Insurance Best Overall: State Farm
| Pros: | Cons |
| Some of the lowest sample rates for full-coverage car insurance available | Can’t buy coverage online; must work with local agent |
| High customer satisfaction scores | New policies aren’t available in Massachusetts |
One of the biggest suppliers of consumer insurance in the US, especially for auto insurance, is State Farm, which consistently receives the highest customer satisfaction ratings from J.D. Power surveys. According to our analysis, it also has some of the lowest sample rates for a full-coverage policy: $1,279 annually compared to the national average of $1,556 annually. The only insurance provider with lower average premiums is USAA, but only active military personnel and their families may use their benefits.
State Farm provides consumers with an easy-to-access choice for affordable full coverage auto insurance, providing the necessary coverage to satisfy state and/or lender requirements. Although customers cannot bind coverage online, State Farm has a network of agents across the country.
Specs:
Car Insurance Coverage types:
- Collision
- Comprehensive
- Liability
- Car rental and travel expenses
- Uninsured motor vehicle
- Medical payments
- Emergency road service
- Rideshare driver
Discounts and savings:
- Drive Safe & Save
- Steer Clear
- Accident-free
- Defensive driving course
- Good driver
Deductibles:
- N/A
Financial stability:
- A++ (Superior) rating from AM Best
Additional coverage options:
- Motorcycle insurance
- Boat insurance
- Motorhome insurance
- Off-road vehicle insurance
Car Insurance Best for Seniors: Geico
| Pros: | Cons: |
| Some of the cheapest rates on average for men and women | Drivers with a DUI on their records may find lower rates elsewhere |
| Numerous discounts available |
Geico separates out from other insurance companies by offering affordable complete coverage for elderly drivers. Compared to the national average of over $1,300 per year, Geico charges an average of just $1,134 for complete coverage yearly. Numerous incentives are also offered, such as those for customer loyalty and going five years or more without an accident, which frequently benefit older drivers in particular.
It’s important to note, though, that while Geico’s sample rates are generally low for drivers, our data indicates that this isn’t always the case. Geico’s sample yearly rate for drivers with a DUI on their record is substantially higher than the national average.
Specs:
Coverage types:
- Bodily injury
- Property damage
- Uninsured motorist
- Collision
- Comprehensive
- Medical
- Emergency roadside assistance
- Rental reimbursement
- Mechanical breakdown
Discounts and savings:
- Air bag
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- New vehicle
- Five-year accident-free good driver
- Seat belt use
- Defensive driving
- Driver’s education
- Good student
- Emergency deployment
- Federal employee
- Military
- Multi-vehicle
- Multi-policy
Deductibles:
N/A
Additional coverage options:
- Motorcycle/ATV
- RV
- Boat
- Collector Auto
- Mexico Auto
Financial stability:
- A++ (Superior) rating from AM Best
Annual Rates for Senior Female Drivers
| COMPANY | ANNUAL RATE |
| USAA | $872 |
| State Farm | $1,134 |
| Geico | $1,153 |
| Travelers | $1,166 |
| Nationwide | $1,193 |
| National Average | $1,332 |
Car Insurance Best for Teenage Drivers: State Farm
Pros:
- Sample rates for male and female teens are lower than the national average
- Multiple discounts available for young drivers and students
Cons:
- Must work with agent to receive quote, purchase policy
- Doesn’t do business in Massachusetts
The State Farm sample rates for 17-year-old female drivers are $3,280 annually, while the prices for male drivers in the same age range are $4,019 annually. That is less than the average for the country. Additionally, the firm provides a number of reductions for inexperienced drivers and students, such as Steer and Clear, which lowers premiums for drivers under 25 who complete a safety course and keep a spotless record for three years.
Younger drivers who are used to doing everything online might or might not find it appealing since, in contrast to certain firms, you have to work with a local agent to acquire a price and purchase coverage. Although it doesn’t write new auto policies in Massachusetts, State Farm has agents all around the country.
Specs:
Coverage types:
- Collision
- Comprehensive
- Liability
- Car rental and travel expenses
- Uninsured motor vehicle
- Medical payments
- Emergency road service
- Rideshare driver
Discounts and savings:
- Drive Safe & Save
- Steer Clear
- Accident-free
- Defensive driving course
- Good driver
Financial stability:
- A++ (Superior) rating from AM Best
Deductibles:
- N/A
Additional coverage options:
- Motorcycle insurance
- Boat insurance
- Motorhome insurance
- Off-road vehicle insurance
Average Annual Car Insurance Premiums For 17-Year-Olds
| COMPANY | FEMALES | MALES |
| AAA | $5,221 | $6,297 |
| Allstate | $6,882 | $7,693 |
| American Family | $3,550 | $3,769 |
| Geico | $3,478 | $3,742 |
| Farmers | $8,178 | $8,911 |
| Nationwide | $4,957 | $5,977 |
| Progressive | $7,757 | $8,525 |
| State Farm | $3,280 | $4,019 |
| Travelers | $4,208 | $5,199 |
| USAA | $3,129 | $3,364 |
| National Average | $5,064 | $5,750 |
