Best Full Coverage Car Insurance in 2024 (Check Out the Top 10 Companies)

Get the best full coverage car insurance with top providers like Farmers, Geico, and Erie, offering rates starting at $78 per month.

Farmers stand out for its excellent claims service, Geico leads in affordability, and Erie is known for trusted customer satisfaction. Our top 10 insurers, based on price, coverage, and customer service, help you find the ideal policy for your needs.

Our Top 10 Company Picks: Best Full Coverage Car Insurance

These companies offer the best options, whether you seek the lowest rates or the most reliable service. For more details, see our guide, “Do I need multiple policies to get enough coverage?”

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#1 – Farmers: Top Overall Pick

Pros

• Competitive Full Coverage Pricing: Farmers offers the best full coverage insurance starting at $85/month for many vehicles. Read our “Bundling Home and Auto Insurance With Farmers.“
• Comprehensive Coverage Plans: Farmers offers a variety of comprehensive full-coverage auto insurance policies with minimum coverage starting at $175/month.
• Excellent Claims Service: Farmers is recognized for offering full coverage insurance support for car policyholders and being efficient in their claim service.
  

Cons

• Higher Premiums for Older Drivers: Full coverage car insurance from Farmers may offer higher premiums for older drivers than other providers.
• Limited Discounts for Safe Drivers: Farmers may not be as generous as safe drivers seeking full coverage car insurance.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Full Coverage: Geico offers the cheapest full coverage rates for all areas, starting at $78 per month.
• Customizable Policies: Geico auto insurance review allows for flexible full-cover insurance for car plans, catering to various customer needs.
• Strong Customer Service: Geico is considered to have top-rated customer service. It makes a great choice for those with a full-coverage auto insurance policy.

Cons

• Limited Local Agents: Geico’s lack of a large local agent network may be inconvenient for some drivers seeking personalized service.
• Claims Process Can Be Slow: Some customers report that the full coverage claims process with Geico can take longer than expected.

#3 – Erie: Best for Trusted Brand

Pros

• Affordable Full Coverage: Erie offers the best pricing for full coverage car insurance, starting at $80 per month.
• Comprehensive Claims Support: Erie offers good full coverage car insurance claims handling to give policyholders peace of mind.
• Strong Financial Stability: Erie’s stability over decades ensures that full coverage car insurance policyholders are financially well-supported.

Cons

• Limited Availability: Erie operates in fewer states than some competitors, so full coverage may not be available everywhere. See our “Bundling Home and Auto Insurance With Erie.“
• Higher Renewal Rates: Some customers report renewal rates for full coverage car insurance can be higher than the initial rates offered.

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#4 – Liberty Mutual: Best for Flexible Options

Pros

• Comprehensive Full Coverage Options: Liberty Mutual provides strong full coverage car insurance policies starting at $90 per month with minimum coverage options.
• Multiple Discounts: Liberty Mutual offers various discounts on full coverage car insurance, including those for good students and safe drivers.
  
• Excellent Mobile App: Liberty Mutual’s auto insurance review mobile app makes it convenient and accessible to manage full coverage car insurance policies.

Cons

• Higher Rates for Certain Vehicles: Full coverage car insurance may be higher for certain makes and models, particularly luxury cars.
• Complex Pricing Structure: Some customers find Liberty Mutual’s full coverage car insurance pricing complex and hard to understand.

#5 – American Family: Best for Customer Service

Pros

• Competitive Full-Coverage Pricing: American Family offers affordable full-coverage car insurance starting at $88 per month with minimum coverage options.
• Customer Satisfaction: American Family ranks well in customer satisfaction, so policyholders with full coverage are sure to get complete care.
• Strong Claims Service: The American Family provides efficient and reliable claims processing for full-coverage car insurance customers.

Cons

• Limited Discounts for New Customers: American Family offers good coverage. New customers do not always get the same discounts that older customers enjoy.
• Price Increases: Some drivers report premium increases after the first year of full coverage car insurance. Check our “What types of car insurance coverage does American Family Insurance offer?“

#6 – State Farm: Best for Comprehensive Policies

Pros

• Affordable Full Coverage: State Farm auto insurance review offers the best full coverage insurance starting at $82 per month with minimum coverage options.
• Comprehensive Coverage Options: State Farm provides extensive full coverage car insurance, starting at $170 per month for minimum coverage.
• Bundling Discounts: State Farm offers discounts for bundling multiple policies, which can help reduce premiums for full coverage car insurance.

Cons

• Limited Discounts for New Customers: State Farm may not offer as many discounts for new customers as some competitors for full coverage car insurance.
• Premium Increases for Claims: State Farm may increase premiums after a claim, which could impact long-term costs for full coverage policyholders.

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#7 – Allstate: Best for Broad Coverage

Pros

• Reliable Full Coverage: Allstate provides the best full car insurance, starting at $92 per month with minimum coverage.
• Customizable Plans: Allstate offers customizable full-coverage car insurance policies to fit a wide range of driving needs, including coverage for $190/month at the minimum.
• Numerous Discounts: Allstate auto insurance review provides discounts on full coverage policies, such as for safe driving and bundling multiple policies.

Cons

• Higher Premiums for Younger Drivers: Allstate’s rates may be higher than those of some other providers for younger drivers looking for full coverage car insurance.
• Complex Terms: The terms and conditions of Allstate’s full coverage insurance can sometimes be difficult to navigate, leading to confusion.

#8 – AAA: Best for Member Benefits

Pros

• Affordable Full Coverage: AAA offers competitive full-coverage car insurance with rates starting at $89/month with minimum coverage.
• Strong Customer Support: AAA auto insurance review is known for its excellent customer service and support for full-coverage car insurance policyholders.
• Comprehensive Coverage Options: AAA offers a variety of full coverage car insurance plans to cater to different customer needs. The minimum coverage starts at $180/month.

Cons

• Higher Premiums: AAA offers full coverage insurance, but some drivers will find the premium far higher than its competitors for the same coverage.
  
• Limited Discount Options: AAA may not have as many discounts as other insurance companies for the best auto insurance for full coverage.

#9 – Amica: Best for Reliable Service

Pros

• Affordable Full Coverage: Amica’s full coverage auto insurance starts at $85/month, making it a great choice for budget drivers.
• Excellent Reputation: Amica auto insurance review offers a strong reputation for reliable customer service and efficient handling of the best auto insurance for full coverage claims.
• Flexible Coverage Options: Amica offers flexible full coverage plans, with minimum coverage starting at $175/month.

Cons

• Limited Availability: Amica might not be available in all states,  limiting its full car insurance coverage availability.
• Fewer Discounts for Bundling: Compared with some competitors, Amica’s bundling discounts may not be as generous for fully covered car insurance.

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#10 – Progressive: Best for Competitive Prices

Pros

• Affordable Full Coverage: Progressive offers full coverage car insurance starting at $84 per month, with minimum coverage for various vehicles.
  
• Competitive Prices: Progressive Auto Insurance Review offers the most competitive rates for fully covered car insurance, starting at $172 per year for minimum coverage.
• Wide Range of Add-Ons: Progressive offers several add-ons to enhance fully covered car insurance, such as rental car reimbursement.

Cons

• Limited Customer Service Availability: Some customers have complained that Progressive’s customer service is unreachable at peak times.
• Higher Deductibles: Progressive may insist on a higher deductible for full coverage car insurance, which will require out-of-pocket expenses in case of a claim.

Understanding Full Coverage Car Insurance

Full coverage car insurance is a comprehensive policy that covers liability and physical damage to your vehicle. Unlike liability-only insurance, which only covers damages to others if you are at fault in an accident, full coverage auto insurance protects you and your vehicle. This type of insurance typically includes collision, comprehensive, and liability coverage.

Full Coverage Car Insurance Monthly Rates by Provider & Coverage Level

The best car insurance companies offer a wide range of benefits for protecting your vehicle. Let’s examine the different components of this most comprehensive policy.

What is Full Coverage Car Insurance

Full coverage car insurance combines several types of coverage for the ultimate coverage in different circumstances. Collision coverage pays for damage to your vehicle that results from a collision with another vehicle or any other object, regardless of who is responsible. A minor fender bender or a major accident will thus be covered, and your vehicle will either be repaired or replaced, depending on the circumstances.

Car Insurance Discounts From the Top Providers for Full Coverage

Conversely, comprehensive coverage covers damages caused by non-collision events, such as theft, vandalism, fire, or natural disasters. This means that even if your vehicle is not involved in an accident, you are still protected from various potential risks.

Comprehensive coverage provides the necessary financial support to get your vehicle back on the road, whether it’s a stolen car or a vehicle damaged by a fallen tree during a storm. Lastly, liability coverage pays for damages and injuries you cause to others in an accident where you are at fault.

This coverage is crucial to protect you from lawsuits and ensure the injured party receives compensation. With liability coverage, you can have peace of mind knowing that you are financially protected in case of an unfortunate accident.

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Why Opt for Full Coverage Car Insurance

Full coverage car insurance can be more pricey than liability-only insurance, but it pays to choose a comprehensive one since it brings numerous benefits to the owner of the vehicle. You will then have greater comfort knowing you and your vehicle are well-protected against those risks.

With these best car insurance companies, you can avoid paying out of pocket for any costs associated with accidents, and your vehicle can be repaired or replaced if that’s what’s needed. Your insurance policy will pay out if you get a slight scratch or have a major collision.

Moreover, full coverage car insurance also provides extra benefits like car rental payments and roadside assistance. During any accident or breakdown, you will have your insurance policy to help you in such a situation.

One must note that terms and coverage limits on car full coverage insurance vary depending on the provider and the policy. Hence, it would be wise to check the entire document carefully with the help of an insurance agent to establish how deep your coverage goes.

Full coverage car insurance is really, really a comprehensive policy meant to protect your vehicle’s liability along with the physical damage. It combines collision, comprehensive, and liability coverage to ensure that you’re adequately protected in different situations.

By opting for full coverage insurance, you can have greater peace of mind knowing that you and your vehicle are safeguarded from a wide range of potential risks. Find out more in our “Is full coverage really full?”

Factors to Consider When Choosing Full Coverage Car Insurance

When selecting a full coverage car insurance company policy, several factors should weigh into your decision-making process:

Budget

Determine the amount you want to pay for car insurance premiums. Although full coverage is supposed to ensure comprehensive protection, it could be more expensive than liability-only coverage. Assess your finances and try to get quotes from insurance providers on which best balances coverage and affordability.

While full coverage car insurance may have higher premiums, it can save you money in the long run. In the event of an accident, full coverage can help cover the costs of repairs or replacement, reducing your out-of-pocket expenses. Discover more in our guide “How do I know if I chose the right coverages?”

Vehicle’s Value

The value of your car will help dictate the kind of coverage you will require. If it’s a newer, more expensive car, full coverage car insurance helps protect your investment. In the unfortunate event of a total loss, full coverage can compensate for the value of your vehicle and replace it with another similar kind.

On the other hand, if your vehicle is old or its market value is low, you would decide whether it would be worth paying the full coverage if you are involved in an accident. Sometimes, the cost of insurance premiums outweighs the insurance company’s potential payback.

Another thing about full coverage insurance is that it has features beyond just covering damages to your vehicle. These may include rental car insurance, roadside help, and even a refund for the medical expenses caused by an accident.

Driving Record

Your driving record will contribute to determining your insurance cost. You qualify for lower rates if you have a clean driving record with no history of accidents and traffic violations. Insurance firms normally treat those drivers with a clean record as less risky and promote inexpensive full coverage premiums.

On the other hand, full coverage auto insurance would offer more protection and satisfaction in case your driving record is bad, and you have been involved in several accidents or had some tickets. It would help you overcome the price of recovery or medical expenses in case of an accident, saving you bigger losses.

Additionally, some insurance companies offer safe-driving discounts or incentives for drivers who maintain a clean record over a certain period. These can further reduce the cost of full coverage insurance for responsible drivers.

Top Car Insurance Companies for Full Coverage

When it comes to selecting the best car insurance for full coverage, there are several reputable companies worth considering:

Farmers Review

Farmers consistently receive positive customer reviews and offer competitive rates for full-coverage car insurance. Their comprehensive policies provide your vehicle with the necessary protection and peace of mind.

Farmers have provided car insurance services for over 20 years, thus perfecting the craft as a trusted and reliable provider. They have an expansive reach of repair shops and offer 24/7 roadside assistance so that you will not be stranded if anything happens.

One of Farmers’ standout features is its commitment to customer satisfaction. Its dedicated claims team works efficiently to process claims and provide timely assistance. Its knowledgeable representatives are always available to answer any questions or concerns you may have.

Geico Review

Geico offers the best customer service and coverage options. It promises to meet customers’ varied needs through discounts and customized policies.

Geico has been well appreciated for excellent customer service. The representatives here are friendly, helpful, and knowledgeable. They take time to understand your particular requirements and guide you through deciding on the right coverage for your vehicle.

When you bundle, you don’t have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm

— GEICO (@GEICO) April 27, 2023

In addition to its excellent customer service, Geico offers various coverage options for different budgets and preferences. Flexible deductible options and optional coverage for rental cars, roadside assistance, and even personal belongings that may have been damaged or stolen from your vehicle are also available.

Erie Review

Erie stands out for its affordable rates and straightforward claims process. Its full-coverage car insurance policies offer great value for money without compromising on quality. Learn more in our guide, “How can I pay my Erie Insurance premium?”

Erie appreciates the need to pay without compromising the coverage that you require. With full coverage car insurance, they provide competitive quotes to more drivers than possible otherwise. Their coverages include bodily injury, property damage, comprehensive, and collision coverage.

Filing a claim at Erie has made the process simpler and less stressful. They also have an online claims portal where you can upload your claim and monitor the actual status of the claim in real time. And, of course, they employ a special dedicated claims team to aid the process.

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How to Get the Best Rates for Full Coverage Car Insurance

Full coverage auto insurance rates are challenging to find the best ones. However, with some knowledge and strategic planning, you can save much money without compromising your coverage. Here are some tips and tricks on how to get the best car insurance full coverage:

Tips for Lowering Your Premium

One of the most practical ways of paying less for your premium is to raise your deductibles. Having a higher deductible lowers your monthly premium significantly. However, you need to prepare your finances and choose a reasonably possible deductible in case of an accident.

Another way of saving your premium is by going through the available discounts. According to the insurance companies, discount rates are available based on the driving record, age, and occupation. Inquire about these discounts and apply for them to bring down your total premium.

Besides raising your deductibles and reviewing discounts, maintaining a good full-coverage insurance credit score will help lower your premiums. Insurance companies often take your credit score to show your financial responsibility. By showing good full-coverage insurance credit habits, you are demonstrating to insurers that you are a low-risk policyholder and, therefore, charge less.

Bundling your automobile insurance with other policies, like homeowners, with the same insurer can also help you save more. Many insurance companies give discounts to customers with multiple insurance policies. Consolidate your insurance needs with one provider to enjoy the benefits of bundled discounts.

Discounts and Deals to Look Out For

When searching for full coverage car insurance, it’s crucial to keep an eye out for discounts and deals that can further reduce your premium. Many insurance companies offer discounts for safe driving habits, such as maintaining a clean driving record or completing defensive driving courses. These discounts not only help you save money but also encourage responsible driving practices.

In addition to safe driving discounts, there are other safety features that can be installed in your car to get discounts. Other safety features such as airbags, anti-lock brakes, and anti-theft devices reduce the risk of accidents or theft; thus, you will be eligible for lower premiums when you shop for a new vehicle.

Some insurance companies reward regular customers with loyalty discounts as long as you have been a loyal customer over a longer period. These discounts award you for loyalty, and over time, it means a lot of savings. Therefore, if you have stayed with one insurance company for more years, you should not hesitate to ask them about loyalty discounts.

Lastly, with careful consideration and research, the best full coverage car insurance can be obtained, whereby raising your deductibles and finding available discounts, then maintaining a good full coverage insurance credit score, bundling policies, or taking advantage of any other offers in the industry secures a comprehensive insurance plan at an affordable price.

Remember, it’s essential to regularly review your coverage and compare quotes from different insurers to ensure you’re getting the best full coverage value for your money. See more in our guide, “Get Low-Cost Car Insurance with Driver Discounts.”

Comparing Full Coverage Car Insurance Policies

When comparing full coverage car insurance policies, it’s essential to look for specific features:

What to Look for in a Policy

Consider the deductibles, coverage limits, and optional add-ons or endorsements offered by different insurance providers. Evaluate how these factors align with your needs and priorities to find the perfect policy for you.

How to Compare Policies Effectively

Collect quotes from multiple insurance companies and carefully review the coverage details and costs. Pay attention to exclusions and limitations to ensure you select the policy that offers the most comprehensive car insurance protection for your vehicle. Get more details in our guide “Compare Online Car Insurance Quotes to Save Money.”

In short, the best car insurance for full coverage would call for understanding the details of full coverage insurance, the budget and value of the vehicle, and a comparison of policies from renowned insurance companies. That is how you can be sure you get the right level of protection for your vehicle and peace of mind while on the road.

Case Studies: Choosing the Best Full Coverage Car Insurance

Choosing the right best full coverage car insurance can be a very overwhelming task. At least with these real-life examples, the right provider will fit diverse needs. First-timer drivers, families with more than one car, and other types of solutions can result in peace of mind and financial protection.

• Case Study #1—Budget-Friendly Full Coverage for a New Driver: A 22-year-old college graduate wanted affordable full coverage and maximum car insurance coverage for their newly acquired sedan. After comparing quotes, they settled for Farmers because of its competitive $78/month rate and good customer service. Their policy covered comprehensive, collision, and liability coverage that would you give them peace of mind.
  
• Case Study #2—Reliable Coverage for a High-Value Vehicle: A professional operating a luxury SUV needs comprehensive coverage to protect their investment. Erie Insurance was the answer; it provided customized high-value vehicle coverage and prompt claims service to prevent losses from theft, accidents,  or weather damage.
  
• Case Study #3—Comprehensive Options for a Family Fleet: A family with two vehicles required full coverage for reliable protection. They selected Geico for its cost-effective multi-vehicle discount, flexible policy options, and easy claims management, ensuring their household was covered affordably.

These are examples of how the right choice of insurance can respond uniquely to unique situations with comprehensive budget-friendly solutions. Whatever your situation, there is a perfect policy waiting to meet your needs.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.

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