Cheapest Full Coverage Car Insurance: Best Low-Cost Options in 2025
Finding the cheapest full coverage car insurance can help you save hundreds of dollars each year without losing the protection you need. Full coverage includes liability, collision and comprehensive insurance, which together protect you from accidents, theft, weather damage and more. According to recent data, Travelers, GEICO, National General and State Farm offer the most affordable rates, with Travelers starting at just $1,158 per year.
Travelers: The Cheapest Overall
Travelers currently provides the lowest full coverage rate nationwide, averaging $97 per month or $1,164 per year, which is 29% below the national average. It also offers the cheapest rates for high-risk drivers, including:
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Young drivers: $232 per month
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Drivers with speeding tickets: $129 per month
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At-fault accident drivers: $137 per month
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DUI drivers: $158 per month
Travelers also provides useful add-ons like accident forgiveness, new car replacement and rewards for safe driving through its IntelliDrive program.
GEICO: Best for Seniors
If you’re a senior driver, GEICO offers the cheapest full coverage, averaging $121 per month. It provides savings of up to 27% compared to the national average. GEICO is also known for strong customer service and affordable options in many states.
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National General: Best for Drivers with Bad Credit
Drivers with poor credit usually pay higher insurance rates, but National General offers the lowest premium for this group at $141 per month. GEICO also remains a strong competitor for bad-credit customers with rates around $142 per month.
USAA: Best for Military Families
For active military members, veterans and their families, USAA is the most affordable option. Its full coverage plan costs just $70 per month, making it 47% cheaper than the national average. Travelers and National General follow with competitive rates for military families.
Cheapest Full Coverage by Age
Age plays a big role in insurance costs.
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Young drivers (16–25) pay higher rates because they are considered high risk. Travelers remains the cheapest for this age group.
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Adult drivers (30–60) generally receive the best pricing.
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Senior drivers (65+) can still find low rates through GEICO and Amica.
How to Get Cheaper Full Coverage
Here are simple ways to lower your premium:
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Compare quotes from 3–5 insurance companies.
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Use discounts, such as multi-car, safe driver, or bundling home and auto insurance.
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Increase your deductible (for example, from $500 to $1,000).
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Choose an older or less expensive vehicle.
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Maintain a clean driving record.
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Consider local or regional insurers, which often offer cheaper rates.
Average Cost of Full Coverage Insurance
The average price of full coverage car insurance in the U.S. is $2,575 per year (or $215 monthly). Your cost may be higher or lower depending on your age, location, car model and driving history.
Bottom Line
Travelers is the best and cheapest option for most drivers looking for full coverage, while GEICO and National General offer excellent alternatives. Military families should always check USAA first. By comparing quotes and using discounts, you can easily reduce your full coverage insurance cost in 2025.