Best Full Coverage Auto Insurance

See If You Qualify for Lower Rates

Full coverage auto insurance is the ultimate safeguard for your car. It covers you against a wide range of perils, from collisions to vandalism and natural disasters. However, sorting through dozens of providers is time-consuming and can be impractical.

That’s why TrySmartly does the work for you. Through our free online insurance request form, you can search for full coverage car policies in minutes. We aim to make the insurance search hassle-free and quick, so you can focus on making smarter decisions.

What is Full Coverage Auto Insurance?

Full coverage is a term used to refer to the combination of liability, collision, and comprehensive insurance. Each of these components safeguards you from differing, specific scenarios.

This coverage is mandated by law in most states. It takes care of expenses resulting from injuries to others and damage to their property if you're at fault in an accident. However, it does not cover your own injuries or damage to your vehicle.

This policy pays for repairing or replacing your vehicle in the event of an accident, regardless of who was at fault. Whether you collided with another car or an object like a tree or a wall, this type of insurance has you covered.

This option comes into play when damage to your car is caused by events that aren't collision-based. Think of fire, theft, vandalism, or natural disasters like hurricanes or hailstorms.

When choosing full coverage car insurance, you combine these three coverages into one policy. Full coverage car insurance provides the most extensive protection and can save you from severe financial distress following an accident or other damaging event.

Factors Affecting Full Coverage Car Insurance Rates

The cost of full coverage car insurance varies widely depending on several factors. These include your car’s value, driving record, credit score, state, gender, and age.

These are some factors you should take into consideration when searching for car insurance:

Younger drivers, particularly those under 25, often pay higher rates due to their lack of driving experience. Similarly, elderly drivers might see increased rates. Typically, drivers between 25 and 50 have lower full coverage car insurance rates.

Married individuals usually get lower rates, as insurers deem them to be more responsible and less prone to risky driving behavior compared to their unmarried counterparts.

Where you live significantly influences your rates. High traffic, crime rates, or a history of severe weather incidents can increase the chance of an accident or damage, thus raising insurance costs.

Larger, luxury, or expensive vehicles may cost more to repair or replace, leading to higher premiums. Similarly, smaller sports cars can cost more to insure because they sustain more damage in accidents.

Cars equipped with modern safety features such as anti-lock brakes, airbags, or anti-theft devices may be eligible for discounts as they reduce the likelihood of injuries or theft. These features can help lower your premium.

Individuals with a clean driving record get lower rates than those with a history of traffic violations, DUIs, reckless driving, or accidents.

Generally, male drivers tend to pay more for insurance, especially if they're younger. Statistically, they've been found to engage in riskier driving behavior more often than female drivers.

Insurers often use credit scores as an indicator of financial responsibility. A higher credit score might indicate less risk of defaulting on premium payments; hence, such individuals usually get lower rates.

The more you drive, the higher the probability of an accident. As a result, individuals with high annual mileage often attract higher premiums.

Full Coverage Car Insurance Rates by Age and Gender

Below you can see how full-coverage car insurance rates change by age and gender. Keep in mind these rates are estimated annual premiums.

Age Female Male
20 $3,127 $3,561
30 $1,667 $1,697
35 $1,621 $1,634
40 $1,584 $1,589
50 $1,474 $1,485
60 $1,421 $1,438

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Estimated Minimum and Full Coverage Car Insurance Rates by State

State Annual Estimate for Minimum Liability Annual Estimate for Full Coverage
Alabama $402 $1,536
Alaska $354 $1,445
Arizona $469 $1,466
Arkansas $372 $1,739
California $509 $2,017
Colorado $370 $1,709
Connecticut $568 $1,427
Delaware $673 $1,678
District of Columbia $486 $1,444
Florida $792 $2,562
Georgia $506 $1,653
Hawaii $339 $1,267
Idaho $227 $943
Illinois $403 $1,390
Indiana $324 $1,127
Iowa $213 $1,152
Kansas $372 $1,562
Kentucky $710 $1,741
Louisiana $655 $2,542
Maine $221 $852
Maryland $652 $1,671
Massachusetts $440 $1,594
Michigan $798 $2,109
Minnesota $477 $1,552
Mississippi $694 $1,465
Missouri $445 $1,751
Montana $263 $1,473
Nebraska $292 $1,505
Nevada $730 $1,923
New Hampshire $268 $1,049
New Jersey $710 $1,767
New Mexico $311 $1,335
New York $1,053 $2,246
North Carolina $376 $1,188
North Dakota $268 $1,235
Ohio $301 $1,018
Oklahoma $369 $1,686
Oregon $564 $1,262
Pennsylvania $390 $1,712
Rhode Island $565 $1,673
South Carolina $380 $1,391
South Dakota $223 $1,506
Tennessee $345 $1,310
Texas $450 $1,635
Utah $508 $1,319
Vermont $221 $930
Virginia $445 $1,289
Washington $377 $1,248
West Virginia $360 $1,375
Wisconsin $328 $1,157
Wyoming $225 $1,250

How To Find Cheap Full Coverage Auto Insurance?

If you're looking for the cheapest-full coverage car insurance, here are a few steps to follow:

Shop Around: To find the most cost-effective and comprehensive car insurance, get quotes from multiple companies and compare them. TrySmartly can help simplify the search through our free online request. In minutes, you may connect with a top-rated provider and receive an on-screen quote.

Check Reputation and Financial Health: Refer to credible rating sites like J.D. Power, NAIC, or AM Best to gauge the company's standing in the industry. These sites rate insurance providers by financial stability, claims coverage, and customer satisfaction.

Raise Your Deductible: The deductible is the amount you pay out-of-pocket before your insurance begins to cover costs. A higher deductible can often lead to lower premiums. If you're searching for cheap, full-coverage auto insurance, raising your deductible could be an option. However, note that a higher deductible means you'll have to cover more of the cost upfront in the event of an accident. Ensure you're financially comfortable with the amount before lowering your deductible.

Don't Overlook Discounts: Many insurance companies offer a variety of discounts, such as multi-car discounts, safe driver discounts, discounts for taking defensive driving courses, or even low-mileage discounts. These could significantly reduce your premium, so ask potential insurers about available discounts.

Best Full Coverage Auto Insurance Companies

Full coverage car insurance is a must if you use your car to earn a living or drive often. Here are some of the best full-coverage auto insurance companies based on reputation, coverage, and claims experience:

Allstate is one of the most trusted and well-known insurance providers in the U.S., with an A+ rating by A.M. Best. They are known for their reasonable rates and their commitment to honoring claims in emergencies. Renowned as one of the more affordable full-coverage auto insurance providers, Allstate also offers options for bundling home and auto insurance, which can lead to significant discounts. Their average annual rate for full-coverage auto insurance is approximately $1,880.

State Farm's reputation for providing low rates has resulted in high customer satisfaction, and its claims record reflects a commitment to full coverage in emergencies. Moreover, State Farm provides numerous bundling options, which can include auto with home, renters, or life insurance, offering customers the potential for significant savings. The average annual cost for State Farm’s auto insurance coverage stands at around $1,234.

As one of the nation's most popular full-coverage auto insurance companies, GEICO delivers a stellar reputation and full coverage, albeit at slightly higher rates. Still, through their Multi-Policy Discount, customers can save when they bundle auto, home, or renters’ insurance. The average annual cost of Geico car insurance is $1,148.

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Cheapest Full Coverage Car Insurance Providers

To find full coverage insurance that fits your needs and budget, check your quote with TrySmartly. Here are some of the top insurance companies that offer affordable bundle discounts:

Car Insurance Provider Estimated Annual full coverage Rate Estimated Bundle Discount
Allstate $1,880 25%
Nationwide $1,383 20%
State Farm $1,234 19%
Travelers $1,447 13%
USAA $1,209 10%

Full Coverage Auto Insurance FAQ

Even after compiling all the information you need for car insurance, you may still have some unanswered questions. Here are some of the most commonly asked questions about car insurance with full coverage:

What Company Offers the Lowest-Priced Full Coverage Car Insurance?

Research shows that GEICO is usually the most economical choice for full-coverage auto insurance, with an average yearly price of $941. USAA could provide even more savings if you qualify for their insurance; the mean cost of policies for our sample driver was $817 per year.

For motorcyclists, Progressive and Dairyland have the least expensive complete coverage motorcycle insurance plans with an annual cost of $267.

What's the Price Difference Between Full Coverage and Minimum Coverage?

The average cost for full coverage auto insurance from nine major, inexpensive insurers is $1,232 annually. For the same providers, the mean expense of state-minimum car insurance is $709 per year.

As a result, drivers typically spend an additional $500 each year when they choose full coverage over the basic option.

Is Full Coverage Auto Insurance Required?

If you took out a loan to purchase the car, then it is likely that your creditor will require you to obtain a full coverage policy. If you own the car, it is optional to buy comprehensive and collision insurance; however, if your vehicle is valuable, it is advised.

When is Full Coverage a Good Idea?

Here are some scenarios when full coverage auto insurance might be a good idea:

  • Leasing or Financing a Car: If you're leasing or financing your car, your lender will likely require you to have full coverage insurance. This is to protect their investment in case the vehicle is damaged or totaled.
  • New or Expensive Vehicle: If you own a new or expensive vehicle, repairs or replacement can be costly. Full coverage insurance can help cover these potential costs.
  • Living in High-Risk Areas: For those living in areas with high rates of car theft or prone to natural disasters, comprehensive coverage can provide protection against these risks.
  • Frequent Driving: If you drive a lot, especially in heavy traffic or long distances, the chances of accidents increase. Full coverage insurance can provide financial protection against these higher risks.

When Can I Opt Out of Full Coverage?

However, full coverage auto insurance may not be necessary for everyone. Below are some scenarios where opting for full coverage might not be necessary:

  • Older or Low-Value Vehicles: If your car is older or has a low market value, the cost of full coverage might not be worth it. It may be cheaper to pay out-of-pocket for repairs or to replace the vehicle entirely.
  • Infrequent Driving: If you drive very infrequently or cover very short distances, the chances of being in an accident are considerably lower. In such cases, the higher premium for full coverage may not be justified.
  • Safe Driving Record: If you have an excellent driving record with no or very few accidents or violations, you may choose to forgo full coverage, relying instead on your safe driving habits.
  • Safe Location: If you live in a low-crime area with a low risk of natural disasters, the need for comprehensive insurance might be less.
  • No Lien on Vehicle: If your car is fully paid off and you are not required by a lender to have full coverage, you can opt for a more basic insurance policy to save on premiums.

Is Comprehensive Insurance Equivalent to Full Coverage?

No, comprehensive insurance does not encompass full coverage. Comprehensive insurance only covers damages to a vehicle that were not caused by accident, such as fire, extreme weather, vandalism, or theft. Most of the time, full coverage includes both comprehensive insurance and collision insurance.

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