Full coverage car insurance can be a lifesaver for drivers since it will pay for both damage to other drivers and damage to your own vehicle.
However, with the rising cost of auto repair and the rise of auto claim volume throughout the U. S., full coverage premiums can easily be quite an expensive purchase to make. Thankfully, there are a few different insurance companies that still provide full coverage options that are still affordable without sacrificing service or protection.
This article will look at the cheapest full coverage auto insurance providers available this year. Also look at ways to save even more money.
What Does “Full Coverage” Mean?
First off before we jump into the lowest price providers first it's important to understand what full coverage is really. Full coverage is not a specific policy but a set of different types of coverage.
- ü Liability insurance (required by law in most states)
- ü Collision coverage (covers your car if you hit another vehicle or object)
- ü Comprehensive coverage (all things not collision related, such as theft, fire or weather related damages)
- ü Some policies will also have extras such as roadside assistance, reimbursement for rental cars, or gap insurance.
The Cheapest Full Coverage Providers in 2025
1. Erie Insurance
Erie Insurance offers some of the lowest full coverage prices in the industry. It’s known for its superb customer service and streamlined policy options. The company’s full coverage rates start well below the national average. Erie’s pricing is especially competitive for a clean driving record or if you can save a little money by bundling home and auto insurance.
Best for: Drivers in eligible states who want low premiums and good customer service.
2. Progressive
Progressive is one of the more readily available and flexible providers for full coverage. It’s easy to use their “Name Your Price” tool and get a policy tailored to your budget. Progressive also offers usage-based programs like Snapshot, which keeps track of your driving habits and provides incentives like discounts if you’re a good driver.
Best for: Drivers with digital access to information and coverage options.
3. Geico
Geico is a brand that everyone knows and is usually one of the cheapest to get full coverage, at least for drivers with good records or good credit. They are also pretty popular for having a decent selection of discounts including multi-policy, military, good student and safe driver discounts.
Best for: Drivers that value convenience while staying on-line and getting discounts quickly.
4. Nationwide
Nationwide has the cheapest full coverage car insurance in town. And they have good customer service and a simple claims process: ) The SmartRide program rewards safe drivers with extra discounts, and there are probably lots of bundling options to help split the bill further.
Best for: Families and multi-vehicle households looking for savings.
5. State Farm
State Farm may not be the cheapest option but they do tend to have the best rates on full coverage for drivers with a clean driving record and good credit. Additionally, their Drive Safe & Save program provides more ways to lessen premiums through driving data. State Farm also excels in service due to its large agent network.
Best for: People who work with local agents tend to have a better perception of the company.
- ü What Affects Full Coverage Insurance Rates?
- ü The listed factors below influence your full coverage insurance rate:
- ü Driving history- History of accidents, ticketing, DUIs increase premiums.
- ü Age and experience- Younger, less experienced drivers tend to pay more.
- Location- Urban settings which have higher rates of theft or accidents tend to have higher insurance costs.
Type of vehicle- New or high performing cars tend to be more expensive to insure.
ü Credit score- In most states, a higher credit score results in lower paid premiums.
ü
Mileage- The more you drive, the greater the
risk, and higher rate.
How to Get Full Coverage on a Budget
If
full coverage is a must for your situation—especially for brand new or financed
vehicles—there are still opportunities to save:
ü Shop
Around Don’t take the first offer you find; different carriers usually quote
very different prices for the same policy. Make sure you’ve exhausted all
possible options before you decide on one.
ü Bump Up
the Deductible Choosing a higher deductible can transform your monthly premiums
in a split second.
ü Pile Up on
Discounts Explore all the available discounts; a variety of insurers will
shower you with opportunities to save some money, such as being a loyal
customer, maintain a clean driving record, getting good grades (good for both
your kids and your wallet), having airbags installed in your car, and so on.
ü Keep a
Record That is Spotless “You get what you pay for,” they say. Insurers usually
prefer clients who don’t have an accident or a ticket on their driving record.
If you don’t file a claim, your insurer will want to offer you a discount. It
worths it to drive carefully for the sake of your and others' lives anyway!
ü Willing to
Engage in a Safe Driver Program? Among the perks of this approach are the fact
that your on-point safe driving isn’t just a favor to you and your loved ones,
but it can also get you a hefty discount if you enroll on such a program.
Conclusion
Full coverage car insurance doesn’t need to bring you to the brink of financial disaster. In 2025, Erie, and Progressive, along with Geico, are among the best deals out there.
If you reside in a city where auto insurance prices are
skyrocketing, don't be discouraged; where there is one affordable option, there
is a multitude of them waiting to be found.
In the end, choosing the right vehicle insurance implies striking a proper balance between the premium and the coverage offered, as well as your peace of mind.
If you are about to reinstate the policy, or you are in the market looking for one, the companies just mentioned would be an excellent start.