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Coverage type
Full Coverage
Liability + collision + comprehensive — covers your car too.
$118
/mo · national starting rate
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What it covers
Full coverage stacks liability with collision (covers your car in a crash) and comprehensive (covers theft, fire, hail, vandalism, falling objects). Required if you have a loan or lease. Recommended if your car is worth more than $4,000 — the math usually works out unless your premium exceeds 10% of the car's value.
- Liability + collision + comp
- Glass coverage
- Rental reimbursement add-on
- Roadside assistance add-on
Who needs it
- Newer vehicle
- Financed or leased car
- Vehicle worth $4k+
- Daily commuter
Comparison engine
Top 8 carriers, side-by-side
Estimated monthly rates for a 35-year-old driver, clean record, full coverage, $500 deductible. Sort any column.
U USAA A.M. Best A++ | 4.9 | $88 /mo |
G GEICO A.M. Best A++ | 4.6 | $94 /mo |
P Progressive A.M. Best A+ | 4.5 | $108 /mo |
T Travelers A.M. Best A++ | 4.5 | $114 /mo |
S State Farm A.M. Best A++ | 4.7 | $116 /mo |
M Mercury A.M. Best A | 4.3 | $122 /mo |
F Farmers A.M. Best A | 4.2 | $142 /mo |
A Allstate A.M. Best A+ | 4.4 | $148 /mo |
Rates are estimates only — final pricing depends on driving record, credit, vehicle, and coverage selections.
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Starting at $118/mo · 12+ carriers compared