USAA offers the cheapest full coverage car insurance at $1,364 per year, but it’s only available to veterans, military members and their families. For all other drivers, Nationwide offers the cheapest full-coverage car insurance at $1,436 per year.
We analyzed rates for various driver profiles to determine which companies offer the cheapest full coverage car insurance for drivers facing different issues. Many of these companies, such as Nationwide and USAA, also made our best car insurance list.
By State
The cheapest car insurance companies for full coverage car insurance tend to vary by state. Travelers, a nearly nationwide company, has the cheapest rates in 10 states. However, you may find a smaller company is the cheapest in your state. For instance, Pemco—a regional company—is the cheapest company in Washington.
| State | Cheapest company for full coverage car insurance | Average cost per year |
|---|---|---|
Alabama | Travelers | $1,211 |
Alaska | Geico | $1,527 |
Arizona | QBE | $1,220 |
Arkansas | Travelers | $1,351 |
California | Capital Insurance | $1,735 |
Colorado | American National | $1,124 |
Connecticut | Geico | $1,289 |
Delaware | Travelers | $1,332 |
Florida | Travelers | $2,265 |
Georgia | Auto-Owners | $1,628 |
Hawaii | Geico | $896 |
Idaho | American National | $636 |
Illinois | Travelers | $1,209 |
Indiana | Hastings Mutual | $823 |
Iowa | Hastings Mutual | $657 |
Kansas | Geico | $1,180 |
Kentucky | Travelers | $1,400 |
Louisiana | Southern Farm Bureau | $2,141 |
Maine | Concord Group | $731 |
Maryland | Geico | $1,123 |
Massachusetts | State Farm | $900 |
Michigan | Secura | $1,127 |
Minnesota | Nationwide | $1,481 |
Mississippi | Direct General | $1,400 |
Missouri | Travelers | $1,385 |
Montana | State Farm | $1,454 |
Nebraska | American National | $701 |
Nevada | Capital Insurance | $1,340 |
New Hampshire | MMG Insurance | $902 |
New Jersey | Travelers | $1,366 |
New Mexico | Geico | $1,550 |
New York | Progressive | $1,231 |
North Carolina | Progressive | $838 |
North Dakota | American Family | $1,221 |
Ohio | Hastings Mutual | $751 |
Oklahoma | Oklahoma Farmers Union | $1,618 |
Oregon | QBE | $1,036 |
Pennsylvania | Travelers | $1,212 |
Rhode Island | State Farm | $1,630 |
South Carolina | American National | $629 |
South Dakota | Kemper | $1,204 |
Tennessee | Travelers | $1,257 |
Texas | Texas Farm Bureau | $1,031 |
Utah | Nationwide | $1,074 |
Vermont | Progressive | $837 |
Virginia | National Grange Mutual | $972 |
Washington | Pemco | $986 |
West Virginia | Nationwide | $1,100 |
Wisconsin | Rural Mutual Insurance | $821 |
Wyoming | American National | $825 |
In some cases, USAA was the cheapest company but membership is limited to military personnel, veterans and their families.
By Age
Erie has the cheapest for full coverage car insurance for drivers ages 16 to 20. Nationwide is the cheapest for drivers ages 21 to 55, according to our analysis of top insurers.
| Driver age | Cheapest company | Average annual cost from the cheapest company | Average monthly cost |
|---|---|---|---|
16 | Erie | $3,958 | $330 |
17 | Erie | $3,638 | $303 |
18 | Erie | $3,284 | $274 |
19 | Erie | $2,838 | $237 |
20 | Erie | $2,653 | $221 |
21 | Nationwide | $2,233 | $186 |
22 | Nationwide | $2,102 | $175 |
23 | Nationwide | $1,996 | $166 |
24 | Nationwide | $1,902 | $158 |
25 | Nationwide | $1,672 | $139 |
35 | Nationwide | $1,498 | $125 |
45 | Nationwide | $1,401 | $117 |
55 | Nationwide | $1,285 | $107 |
In some cases, USAA was the cheapest company but membership is limited to military personnel, veterans and their families.
For Young Drivers on a Parent’s Policy
Nationwide offers the cheapest rates for parents adding a 16-year-old driver to their policies, averaging $2,990 per year or $250 per month. Erie and USAA also have lower-cost rates that are under $4,000 per year.
Young drivers are more prone to accidents than experienced drivers, so buying full coverage is a wise choice. Shop around with multiple insurers to find the cheapest car insurance for teens.
| Company | Average annual cost for full coverage car insurance for parents and a 16-year-old | Average monthly cost for full coverage car insurance for parents and a 16-year-old |
|---|---|---|
Nationwide | $2,990 | $250 |
Erie | $3,541 | $295 |
USAA* | $3,935 | $328 |
Progressive | $4,296 | $358 |
Geico | $4,360 | $363 |
*USAA auto insurance is available only to the military, veterans and their families.
For Seniors
Nationwide is the cheapest option for seniors ages 65 to 80 at an average of $1,402 per year.
To find the best car insurance for seniors, seek quotes from at least three companies.
| Company | Average annual cost for full coverage car insurance for senior drivers | Average monthly cost for full coverage car insurance for senior drivers |
|---|---|---|
Nationwide | $1,402 | $117 |
USAA* | $1,455 | $121 |
Travelers | $1,668 | $139 |
Geico | $1,793 | $149 |
Auto-Owners | $1,813 | $151 |
*USAA auto insurance is open only to members of the military, veterans and their families.
After an Accident
USAA has the cheapest rates for drivers who’ve caused an accident with injuries to someone else, at an average cost of $1,991 per year. If you’re not eligible for USAA auto insurance, compare car insurance quotes from Erie and Travelers.
| Company | Average annual cost after one accident with injuries | Average monthly cost after one accident with injuries |
|---|---|---|
USAA* | $1,991 | $166 |
Erie | $2,197 | $183 |
Travelers | $2,229 | $186 |
Nationwide | $2,403 | $200 |
State Farm | $2,433 | $203 |
*USAA auto insurance is available only to members of the military, veterans and their families.
Car insurance costs typically go up if you cause an accident. How much your car insurance goes up after an accident depends on your driving record, state and insurance company. But on average there’s a:
- 48% increase after an accident that causes property damage to someone else.
- 49% increase after an accident causing an injury to someone else.
After Two Accidents
State Farm has the best rates for drivers with two at-fault accidents on their records, among the companies in our analysis. State Farm average rates average $2,661 per year, or $222 per month.
Our analysis finds that insurance rates go up an average of 37% after two at-fault accidents compared to just one.
| Company | Average annual cost after two accidents | Average monthly cost after two accidents |
|---|---|---|
State Farm | $2,661 | $222 |
Erie | $2,856 | $238 |
Travelers | $2,986 | $249 |
USAA* | $3,127 | $261 |
Nationwide | $3,265 | $272 |
*USAA auto insurance is open only to members of the military, veterans and their families.
After Three Accidents
Nationwide is the cheapest option for drivers with three accidents on their records, followed by Auto-Owners. Nationwide’s average cost is $2,824 per year for drivers at fault for three accidents, while Auto-Owners comes in at $2,971 a year.
Our analysis found that rates go up 46% on average when you have three at-fault accidents compared to having only one accident on your record.
| Company | Average annual cost after three accidents | Average monthly cost after three accidents |
|---|---|---|
Nationwide | $2,824 | $235 |
Auto-Owners | $2,971 | $248 |
State Farm | $3,028 | $252 |
Progressive | $3,075 | $256 |
Erie | $4,018 | $335 |
*USAA auto insurance is open only to members of the military, veterans and their families.
After a Speeding Ticket
USAA is the cheapest company for full coverage car insurance after a speeding ticket but it’s only available to military members, veterans and their families. Non-military members with a speeding ticket should check quotes from Nationwide and Erie.
Car insurance rates after a speeding ticket increase by an average of 26%, based on our analysis.
| Company | Average annual cost after a speeding ticket | Average monthly cost after a speeding ticket |
|---|---|---|
USAA* | $1,661 | $138 |
Nationwide | $1,878 | $157 |
Erie | $1,899 | $158 |
Travelers | $2,062 | $172 |
Geico | $2,150 | $179 |
*USAA auto insurance is open only to members of the military, veterans and their families.
After an Accident and a Speeding Ticket
Erie offers the cheapest rates at an average of $2,289 a year for drivers who have both an accident and a speeding ticket on their records.
| Company | Average annual cost after an accident and a speeding ticket | Average monthly cost after an accident and speeding ticket |
|---|---|---|
Erie | $2,289 | $191 |
USAA* | $2,301 | $192 |
Travelers | $2,655 | $221 |
State Farm | $2,663 | $222 |
Nationwide | $2,866 | $239 |
*USAA auto insurance is open only to members of the military, veterans and their families.
After a DUI
Progressive has the cheapest insurance costs after a DUI. Its rates average $2,307 per year or $192 per month for drivers with a DUI conviction on their records.
Our analysis finds that auto insurance rates go up an average of 71% after a DUI.
| Company | Average annual cost after a DUI | Average monthly cost after a DUI |
|---|---|---|
Progressive | $2,307 | $192 |
USAA* | $2,604 | $217 |
Travelers | $2,610 | $218 |
Erie | $2,665 | $222 |
State Farm | $2,716 | $226 |
*USAA auto insurance is open only to members of the military, veterans and their families.
After Other Violations
Minor traffic violations will impact car insurance rates less than major violations, such as a DUI. We evaluated rate increases for tickets for running a stop sign and passing a school bus.
USAA is the cheapest if you have a ticket for ignoring a stop sign, at an average of $1,675 per year. If you’re not eligible for USAA check quotes from Erie and Nationwide.
After a Ticket for not Stopping at a Stop Sign
| Company | Average annual cost | Average monthly cost |
|---|---|---|
USAA* | $1,675 | $140 |
Erie | $1,890 | $158 |
Nationwide | $1,910 | $159 |
Auto-Owners | $1,930 | $161 |
Travelers | $2,030 | $169 |
*USAA auto insurance is open only to members of the military, veterans and their families.
Erie is the cheapest company if you’re ticketed for passing a school bus, with an average cost of $1,921 a year or $160 a month.
After a Ticket for Passing a School Bus
| Company | Average annual cost | Average monthly cost |
|---|---|---|
Erie | $1,921 | $160 |
USAA* | $1,926 | $161 |
Nationwide | $2,039 | $170 |
Geico | $2,080 | $173 |
Auto-Owners | $2,135 | $178 |
*USAA auto insurance is open only to members of the military, veterans and their families.
By Credit Score and for Bad Credit
USAA, followed by Travelers, offers the cheapest rates for drivers with fair and good credit. Erie and Travelers are the cheapest insurers for those with excellent credit.
Drivers with bad credit pay higher car insurance rates in most states. That’s because insurance companies correlate poor credit with a higher chance that you’ll make an insurance claim. Insurers in California, Hawaii, Massachusetts and Michigan cannot use credit to calculate car insurance rates.
For Drivers With Fair, Good or Excellent Credit
| Company | Average annual cost with fair credit | Average annual cost with good credit | Average annual cost with excellent credit |
|---|---|---|---|
USAA* | $1,579 | $1,359 | $1,221 |
Travelers | $1,785 | $1,431 | $1,195 |
Nationwide | $1,742 | $1,504 | $1,349 |
Erie | $2,190 | $1,613 | $1,194 |
Geico | $1,985 | $1,694 | $1,426 |
*USAA auto insurance is open only to members of the military, veterans and their families.
Nationwide offers the cheapest car insurance prices for drivers with poor credit and relatively competitive rates for those with below fair credit. USAA is the cheapest for drivers with below fair credit, but eligibility with USAA is limited to military members, veterans and their families.
For Drivers With Below Fair or Poor Credit
| Company | Average annual cost with below fair credit | Average annual cost with poor credit |
|---|---|---|
Nationwide | $1,892 | $2,118 |
USAA* | $1,887 | $2,418 |
Travelers | $2,257 | $2,583 |
Geico | $2,276 | $2,673 |
Progressive | $2,733 | $3,284 |
*USAA auto insurance is open only to members of the military, veterans and their families.
For Military Veterans
USAA, which caters to military members, veterans, and their families, has the lowest rates for military car insurance among the companies in our analysis.Other low-cost choices for military veterans include Nationwide and Travelers.
| Company | Average annual cost | Average monthly cost |
|---|---|---|
USAA* | $1,293 | $108 |
Nationwide | $1,436 | $120 |
Travelers | $1,496 | $125 |
Erie | $1,571 | $131 |
Geico | $1,590 | $133 |
*USAA auto insurance is open only to members of the military, veterans and their families.
