You may be able to find affordable full coverage car insurance from insurers such as Aspire, Liberty Mutual, Anchor General and other carriers. Your premium can vary significantly depending on factors such as where you live, your age, driving history and other personal characteristics.
Branch currently has the lowest average full coverage rate in this analysis, at about $170 per month. Insurance prices can differ from one driver to another, so comparing several insurers can help you find a policy that fits your budget.
Below are some of the companies with relatively low full coverage rates, along with comparisons by age, driving record and state.
10 Companies Offering Cheap Full Coverage Insurance
The lowest average full coverage premium in the available quote data is about $2,041 per year.
Aspire, Liberty Mutual and Anchor General are among the insurers that may offer competitive rates for certain drivers. Since premiums depend on individual circumstances, obtaining multiple quotes is generally useful when shopping for coverage.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Branch | $170 | $2,041 |
| Foremost | $198 | $2,371 |
| Root | $218 | $2,613 |
| Aspire Advantage | $245 | $2,943 |
| Progressive | $249 | $2,985 |
| Mapfre | $258 | $3,091 |
| Mercury | $264 | $3,165 |
| Anchor General | $267 | $3,208 |
| Embark General | $273 | $3,273 |
| Gainsco | $286 | $3,434 |
Estimate Car Insurance Costs
Your ZIP code can have a major effect on your car insurance premium. Comparing local rates can give you a better idea of what drivers in your area may pay for full coverage.
Best Companies for Cheap Full Coverage Car Insurance
The lowest-priced policy is not necessarily the right policy for every driver. When comparing insurers, consider coverage choices, available discounts, financial strength, customer service and consumer feedback in addition to price.
Liberty Mutual
The average full coverage Liberty Mutual policy in this data is approximately $312 per month.
Pros
- Available throughout all 50 states and Washington, D.C.
- Offers a broad selection of optional coverage.
- Provides numerous potential discounts.
- Offers features such as OEM parts, better car replacement and Mexico coverage.
- Receives strong ratings in some shopping and claims-satisfaction measurements.
- Has an A financial strength rating from AM Best.
Cons
- Rates can be higher than average for some driver profiles.
- Consumer complaint levels have been higher than expected in some measurements.
- Its CRASH Network grade is comparatively low.
- Its RightTrack telematics program can affect premiums based on driving behavior.
Progressive
Progressive’s average full coverage rate is about $249 per month in the available data.
Pros
- Numerous policy customization options.
- Coverage available in all 50 states.
- Can file SR-22 forms.
- Offers many potential discounts.
Cons
- Customer satisfaction ratings can be below average in certain industry measurements.
Assurance America
The average full coverage policy from Assurance America is approximately $335 per month in the available quote data.
Pros
- May provide coverage options for higher-risk drivers.
- Receives positive ratings from some customers.
- Has an A+ BBB rating.
Cons
- Available in only a limited number of states.
- Premiums can be relatively expensive for some drivers.
Cheapest Full Coverage Car Insurance by Age
Age is one of several factors insurers consider when setting premiums. Younger drivers generally pay more, while rates may decline as drivers gain experience. Premiums can increase again for some older drivers.
Cheapest Full Coverage for Drivers Under 25
Root has the lowest average full coverage rate in this data for drivers age 25 and younger, at approximately $261 per month.
Drivers in their teens and early 20s generally face higher premiums because they have less driving experience. Maintaining a clean driving record can help reduce costs over time.
Some insurers provide discounts for students, good grades, multiple vehicles and other qualifying circumstances. Comparing policies can therefore be especially important for younger drivers.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Root | $261 | $3,131 |
| Foremost | $333 | $3,997 |
| Mapfre | $345 | $4,139 |
| Aspire Advantage | $350 | $4,198 |
| Branch | $355 | $4,255 |
Cheapest Full Coverage for Drivers Between 25 and 54
Branch and Foremost show the lowest average rate in this age group at approximately $185 per month.
As drivers accumulate experience and maintain a clean record, premiums may become more affordable. It can still be worthwhile to compare insurers periodically because rates can change after major life events or changes in your driving profile.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Branch | $185 | $2,220 |
| Foremost | $185 | $2,220 |
| Root | $210 | $2,518 |
| Aspire Advantage | $217 | $2,601 |
| Progressive | $228 | $2,739 |
Cheapest Full Coverage for Drivers Age 55 and Older
Foremost has the lowest average rate in this group at about $117 per month.
Older drivers may qualify for certain discounts, particularly when they drive fewer miles or maintain a long-term relationship with an insurer. Comparing coverage options can help identify policies that match changing driving needs.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Foremost | $117 | $1,400 |
| Progressive | $130 | $1,566 |
| Branch | $156 | $1,878 |
| Aspire Advantage | $167 | $2,010 |
| AssuranceAmerica | $168 | $2,022 |
Cheapest Full Coverage Car Insurance by Driving History
Your driving record can have a substantial impact on your insurance premium. Accidents, tickets and other violations may result in higher rates, although the effect varies among insurers.
Cheapest Full Coverage for Drivers With Clean Records
Branch has the lowest average full coverage rate for drivers with clean records in this data, at approximately $170 per month.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Branch | $170 | $2,041 |
| Foremost | $198 | $2,371 |
| Root | $218 | $2,613 |
| Aspire Advantage | $245 | $2,943 |
| Progressive | $249 | $2,985 |
Cheapest Full Coverage After an At-Fault Accident
An at-fault accident can increase your insurance premium, particularly when the accident involves injuries. The following rates represent drivers with an at-fault accident that did not involve an injury.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Branch | $194 | $2,322 |
| Mile Auto | $266 | $3,190 |
| Anchor General | $276 | $3,311 |
| Bluefire | $288 | $3,460 |
| Liberty Mutual | $298 | $3,575 |
For drivers with an at-fault accident involving an injury, the quoted rates were:
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Direct Auto | $175 | $2,100 |
| Mile Auto | $180 | $2,162 |
| AAA | $265 | $3,181 |
| First Acceptance | $292 | $3,500 |
| Bluefire | $302 | $3,620 |
Cheapest Full Coverage for Drivers With a Speeding Ticket
Foremost has the lowest average rate among the insurers shown for drivers with a speeding ticket, at about $176 per month.
The effect of a speeding ticket can vary depending on the seriousness of the violation and the insurer’s underwriting rules.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Foremost | $176 | $2,108 |
| Branch | $185 | $2,220 |
| Root | $242 | $2,904 |
| First Acceptance | $271 | $3,254 |
| Embark General | $290 | $3,480 |
Cheapest Full Coverage for Drivers With a DUI
A DUI conviction can result in substantially higher insurance costs and may limit the number of insurers willing to provide coverage.
| Insurance company | Average monthly quote | Average annual quote |
|---|---|---|
| Branch | $159 | $1,905 |
| Foremost | $159 | $1,907 |
| First Acceptance | $219 | $2,630 |
| Root | $229 | $2,750 |
| Anchor General | $251 | $3,006 |
Cheapest Full Coverage for Other Violations
Different traffic violations can affect premiums differently. The following figures show average quoted rates associated with various violations.
| Violation | Average monthly quote | Average annual quote |
|---|---|---|
| Homicide | $295 | $3,534 |
| Passing School Bus | $322 | $3,863 |
| Seat Belt | $328 | $3,940 |
| Vehicle Theft | $351 | $4,208 |
| Defective Equipment | $367 | $4,406 |
| Driving on Suspended License | $372 | $4,461 |
| Eluding Police | $397 | $4,764 |
| Careless Driving | $401 | $4,807 |
| Other | $407 | $4,879 |
| Failure to Obey Traffic Sign | $410 | $4,917 |
| Suspension | $410 | $4,921 |
| Improper Passing | $415 | $4,983 |
| Leaving Scene of an Accident/Hit and Run | $430 | $5,159 |
| Cell Phone | $430 | $5,163 |
| Illegal Turn | $432 | $5,180 |
| Reckless Driving | $442 | $5,301 |
| Open Container | $445 | $5,337 |
| Racing/Drag Racing | $474 | $5,693 |
| Wrong Way/Wrong Lane | $483 | $5,792 |
Last updated Sept. 30, 2026.
Cost of Full Coverage Car Insurance by State
Where you live can strongly influence your auto insurance premium. Insurers consider factors such as accident frequency, weather exposure, theft, vandalism and other local risks when pricing coverage.
Full coverage generally combines the required liability insurance with comprehensive and collision coverage. Comprehensive and collision coverage can help pay for damage to your vehicle from situations such as accidents, theft, weather events, vandalism and animal collisions, depending on the policy.
| State | Average monthly quote | Average annual quote |
|---|---|---|
| MT | $155 | $1,862 |
| WA | $312 | $3,743 |
| MN | $235 | $2,817 |
| NV | $453 | $5,440 |
| MS | $206 | $2,477 |
| VT | $130 | $1,562 |
| LA | $322 | $3,864 |
| AR | $224 | $2,689 |
| MI | $289 | $3,464 |
| NE | $205 | $2,455 |
| KY | $294 | $3,523 |
| RI | $270 | $3,238 |
| IN | $197 | $2,358 |
| TX | $336 | $4,032 |
| NM | $194 | $2,328 |
| OK | $197 | $2,369 |
| AZ | $270 | $3,243 |
| NY | $629 | $7,546 |
| NC | $187 | $2,240 |
| MA | $355 | $4,260 |
| VA | $327 | $3,925 |
| WI | $172 | $2,062 |
| FL | $317 | $3,809 |
| ND | $151 | $1,812 |
| DC | $426 | $5,111 |
| TN | $212 | $2,540 |
| WV | $203 | $2,436 |
| NJ | $408 | $4,893 |
| GA | $453 | $5,438 |
| MD | $438 | $5,255 |
| HI | $152 | $1,824 |
| MO | $290 | $3,486 |
| CO | $312 | $3,738 |
| IA | $130 | $1,561 |
| AL | $187 | $2,246 |
| ID | $153 | $1,836 |
| KS | $208 | $2,493 |
| AK | $116 | $1,393 |
| NH | $137 | $1,645 |
| CA | $413 | $4,954 |
| UT | $217 | $2,610 |
| PA | $296 | $3,547 |
| DE | $299 | $3,583 |
| CT | $387 | $4,649 |
| OH | $199 | $2,383 |
| OR | $239 | $2,872 |
| IL | $260 | $3,123 |
| ME | $152 | $1,826 |
| SC | $341 | $4,091 |
| SD | $167 | $2,005 |
Last updated Sept. 30, 2026.
For example, drivers in Florida may face additional weather-related risks, while densely populated areas can have different levels of theft, vandalism and accident exposure than less populated regions.
Five States With the Lowest Full Coverage Rates
| State | Average monthly quote | Average annual quote |
|---|---|---|
| AK | $88 | $1,058 |
| WY | $102 | $1,225 |
| IA | $104 | $1,249 |
| VT | $105 | $1,265 |
| NH | $114 | $1,362 |
Last updated Sept. 30, 2026.
How to Get Cheap Full Coverage Car Insurance
Determine how much coverage you need. Full coverage generally includes your state’s required insurance along with comprehensive and collision coverage. You’ll also need to choose liability limits and decide whether options such as roadside assistance or gap insurance are useful for you. Comprehensive and collision coverage normally come with deductibles, so consider how much you could comfortably pay out of pocket after a covered loss.
Consider your personal needs. When two insurers offer similar prices, factors such as customer service, digital tools, coverage options, availability and reputation may help you decide which policy better suits your needs.
Compare quotes from multiple insurers. Insurance premiums can vary considerably between companies for the same driver. Getting several quotes can help you identify differences in price and coverage before starting a policy.
Look for discounts. Depending on the insurer, discounts may be available for bundling policies, good student performance, vehicle safety features, multiple vehicles and paying your premium in full.
Maintain a good driving record. Accidents, speeding tickets and other violations can increase premiums. Following traffic laws, driving carefully and keeping your policy payments current can help you avoid unnecessary increases.
Methodology
The rates and statistics presented in this article are based on aggregated real-world insurance quote data. The figures are intended to show general pricing patterns rather than guarantee what an individual driver will pay.
Unless otherwise specified, the figures are based on drivers with clean records and a standard driver profile. The sample includes drivers using popular vehicles such as the Ford F-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4.
The base driver profile is:
- Age between 35 and 45.
- Clean driving record.
- $50,000 bodily injury liability per person.
- $100,000 bodily injury liability per accident.
- $1,000 comprehensive and collision deductible.
Actual premiums can differ based on state regulations, ZIP code, vehicle, age, driving history, credit where permitted, coverage limits, deductible and other underwriting factors.
