Cheapest Full Coverage Car Insurance

"Full coverage" is a shopper label, not a product. Every mainstream insurer sells it. The term usually means liability + collision + comprehensive, often with uninsured-motorist coverage layered on in states where it is not already baked in. Our shortlist below surfaces the carriers that most commonly come in cheapest on published full-coverage benchmarks for a clean-record 35-year-old; your actual quotes will depend on state, record, vehicle, credit, and coverage limits.

Why the "cheapest" carrier varies by profile

No single insurer is cheapest for every driver, every state, every vehicle, and every record. The leaders above are the ones that most often come out ahead across published benchmarks for a middle-aged clean-record profile. For specific situations the ranking shifts:

• Teens and drivers under 25: family multi-car policies at State Farm, GEICO, or USAA (eligible) will typically beat the shortlist above. See our best for teens shortlist.
• Post-DUI or SR-22 required: the mainstream shortlist above will decline the quote. See best for high-risk drivers.
• Bad credit (where credit is a rating factor): Mercury has published rates roughly 35 percent below industry average for the low-credit-score tier. See Mercury review.
• Seniors over 65: Hartford's AARP program and USAA (eligible) typically lead. See best for seniors.

What you give up to get the cheapest full-coverage quote

• Low liability limits. The cheapest full-coverage quote often carries 25/50/25 or 50/100/50 liability. In a bodily-injury claim a passenger can exhaust a $50,000 per-person limit on a single surgery. The real-world recommendation is 100/300/50 or higher.
• High deductibles. Dropping from a $500 to a $1,000 deductible on collision usually saves about 10 percent of the full-coverage premium. Make sure you have the cash to cover the deductible before choosing the higher one.
• Direct-channel only. GEICO is direct-only; Travelers and Auto-Owners are agent-only. Preference between the two is a service question, not a product one.
• Smaller carriers in bad spots. A cheap quote from a thinly capitalized or state-concentrated carrier can backfire during a catastrophe year if the carrier non-renews, raises mid-term, or exits the state.