Looking for full coverage auto insurance that won’t drain your bank account in 2025? You’re not alone. While full coverage provides peace of mind with protection beyond liability — including collision and comprehensive — it can also be costly. But don’t worry, you have options.
We’ve analyzed quotes, discounts, and customer satisfaction data to uncover the cheapest full coverage car insurance policies in the U.S. this year. Let’s break down what “cheap” really means, which providers deliver the best deals, and how you can save even more.
What Does Full Coverage Auto Insurance Include?
Full coverage isn’t a specific policy but a combination of coverages that typically includes:
- Liability insurance (bodily injury and property damage)
- Collision insurance (damage to your vehicle in an accident)
- Comprehensive insurance (theft, vandalism, fire, weather, etc.)
It’s often required if you’re financing or leasing a car.
Top 5 Cheapest Full Coverage Auto Insurance Providers in 2025
1. State Farm
Average annual premium: $1,435
State Farm remains a favorite for affordability, strong customer service, and generous bundling discounts. Great for drivers with clean records and good credit.
2. GEICO
Average annual premium: $1,490
Known for low base rates and online convenience, GEICO offers full coverage that fits tight budgets, especially for good drivers and federal employees.
3. USAA (for military families)
Average annual premium: $1,320
USAA consistently offers the lowest full coverage rates — but it’s only available to military members, veterans, and their families.
4. Nationwide
Average annual premium: $1,510
Nationwide offers flexible full coverage options, usage-based discounts, and SmartRide® telematics for safe drivers.
5. Progressive
Average annual premium: $1,570
With its Snapshot® program and aggressive pricing for high-risk drivers, Progressive is a solid option for many — especially if you’re price shopping.
Top 5 Full Coverage Auto Insurance Providers Compared
| Provider | Avg. Annual Premium | Best For | Telematics Program | Key Discounts |
|---|---|---|---|---|
| USAA | $1,320 | Military members & families | SafePilot® | Military, safe driver, multi-policy |
| State Farm | $1,435 | Drivers with clean records | Drive Safe & Save™ | Bundling, safe driver, good student |
| GEICO | $1,490 | Budget-focused drivers | DriveEasy® | Military, federal employee, good driver |
| Nationwide | $1,510 | Usage-based discounts | SmartRide® | Accident-free, multi-car, SmartMiles® |
| Progressive | $1,570 | Drivers with prior claims | Snapshot® | Multi-policy, online quote, homeowner |
Factors That Affect Full Coverage Insurance Rates
- Driver age and experience
- Credit score (in most states)
- Driving history (accidents, violations)
- ZIP code and local risk factors
- Vehicle type and repair cost
- Selected deductibles and coverage limits
Tips to Get the Cheapest Full Coverage
- Compare quotes from at least 3 providers
- Raise your deductible (if you can afford it)
- Bundle with home or renters insurance
- Use telematics or safe-driving programs
- Improve your credit score over time
- Ask about all available discounts (student, military, multi-car, etc.)
Final Thoughts
Full coverage auto insurance doesn’t have to be expensive. Providers like State Farm, GEICO, and USAA offer some of the lowest rates in 2025, especially when you take advantage of discounts and customize your policy wisely.
Whether you’re a new driver, upgrading vehicles, or simply shopping for a better deal, comparing quotes and understanding your options can save you hundreds per year. Full protection, less cost — it’s possible.