Full coverage auto insurance is essential if you want maximum protection for your vehicle, but that doesn’t mean you have to pay sky-high premiums. Many drivers assume full coverage is too expensive, but the truth is, with the right approach, you can find affordable full coverage car insurance that fits your budget while keeping you fully protected.

In this guide, we’ll cover:
✅ What full coverage auto insurance includes
✅ The most affordable full coverage insurance companies
✅ Tips to lower your full coverage premium

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What Does Full Coverage Auto Insurance Include?

📌 Full coverage isn’t a specific type of policy—it’s a combination of several coverages that protect you in different situations.

✔️ Liability Coverage – Covers injuries and damages to others if you’re at fault.
✔️ Collision Coverage – Pays for damage to your car from an accident, no matter who was at fault.
✔️ Comprehensive Coverage – Covers theft, vandalism, weather damage, and animal-related accidents.
✔️ Uninsured/Underinsured Motorist Coverage – Helps pay for damages if you’re hit by a driver without insurance.
✔️ Medical Payments (MedPay) or Personal Injury Protection (PIP) – Covers medical expenses for you and your passengers after an accident.

🚗 Example: If you’re driving and hit another vehicle, liability covers the other driver’s damage, while collision covers repairs to your own car. If a tree falls on your car, comprehensive coverage pays for the repairs or replacement.

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Most Affordable Full Coverage Auto Insurance Companies

We analyzed top insurance providers to find the best companies that offer full coverage at affordable rates.

Insurance Company	Best For	Average Monthly Cost	Discounts Available
GEICO	Best for budget-friendly full coverage	$100 – $180	✅ Yes (Multi-policy, safe driver, good student)
State Farm	Best for personalized service	$110 – $190	✅ Yes (Bundling, accident-free, defensive driving)
Progressive	Best for drivers with a few tickets or accidents	$120 – $200	✅ Yes (Snapshot program, multi-car, home & auto bundle)
Allstate	Best for accident forgiveness	$130 – $220	✅ Yes (New car replacement, good driver discount)
USAA	Best for military families	$90 – $160	✅ Yes (Military service, multi-car, safe driver)
Nationwide	Best for bundling home & auto	$115 – $195	✅ Yes (SmartRide discount, accident-free discount)

📌 Quick Breakdown:

• GEICO & USAA: Best for affordable full coverage without sacrificing protection.
• State Farm: Best for great customer service and local agent support.
• Progressive: Best for drivers with some risk factors (accidents, speeding tickets).
• Allstate: Best if you want accident forgiveness so your rates won’t increase after a crash.

🚗 Example: A driver with a clean record and a 2018 Honda Civic could get GEICO full coverage for $110/month, while State Farm might charge $130 for the same policy.

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How to Get the Cheapest Full Coverage Auto Insurance

1. Compare Quotes from Multiple Companies 📊

Insurance rates vary significantly between providers, so shopping around is key to finding the lowest price.

📌 Best Websites to Compare Full Coverage Auto Insurance Quotes:
✔️ The Zebra – Compares 100+ providers in minutes.
✔️ NerdWallet – Best for finding bundling discounts.
✔️ Policygenius – Best for personalized recommendations.

🚗 Example: A driver using The Zebra found that USAA offered the cheapest full coverage rate, saving them $35/month compared to Progressive.

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2. Adjust Your Deductible to Lower Your Monthly Payment 💳

📌 How Deductibles Affect Your Monthly Premium:

Deductible Amount	Potential Monthly Savings
$500 to $1,000	Save 10-15% per month
$1,000 to $2,500	Save 15-20% per month

🚗 Example: A driver raised their deductible from $500 to $1,000 and lowered their premium by $25/month.

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3. Take Advantage of Discounts to Lower Your Rate 💰

✔️ Multi-policy discount – Save 10-25% by bundling home & auto insurance.
✔️ Good driver discount – Save 10-30% if you have no recent claims or tickets.
✔️ Low-mileage discount – Save 5-15% if you drive under 7,500 miles per year.
✔️ Defensive driving course discount – Save 5-15% after taking an approved course.
✔️ Pay-in-full discount – Save 5-10% by paying for 6 months or a year upfront.

🚗 Example: A driver bundled home and auto insurance with State Farm and saved an extra 15% on their full coverage policy.

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4. Consider Pay-Per-Mile Insurance If You Drive Less 🚦

If you drive fewer than 10,000 miles per year, pay-per-mile insurance can be a cheaper alternative to traditional full coverage.

📌 Best Pay-Per-Mile Insurance Providers:
✔️ Metromile – Best for city drivers.
✔️ Allstate Milewise – Best for occasional drivers.
✔️ Nationwide SmartMiles – Best for remote workers.

🚗 Example: A driver who only commutes 5,000 miles per year switched to Metromile and saved $400 annually.

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5. Choose the Right Coverage Limits for Your Needs ⚖️

📌 Recommended Full Coverage Limits:

Coverage Type	Recommended Coverage Amount
Liability Coverage	100/300/100 ($100K injury per person, $300K per accident, $100K property damage)
Collision Coverage	Equal to your car’s value
Comprehensive Coverage	Matches collision deductible
Uninsured/Underinsured Motorist	Same as liability coverage

🚗 Example: A driver with a brand-new car opted for higher collision/comprehensive coverage to protect their investment, while someone with a 10-year-old car chose a higher deductible to lower their monthly cost.

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Final Thoughts: How to Get Affordable Full Coverage Auto Insurance

After comparing multiple quotes, applying discounts, and adjusting coverage, you can find a full coverage policy that fits your budget while keeping you protected in all situations.

💰 Final Cost Breakdown (Average Monthly Rate with Discounts):
✔️ Before Shopping Around: $180/month
✔️ After Comparing Quotes & Adjusting Coverage: $130/month
✔️ Total Savings: $600 per year

🚗 Bottom Line: If you want the most affordable full coverage auto insurance, the best way to save money without sacrificing protection is to:
✔️ Compare multiple quotes from top-rated insurance providers.
✔️ Adjust your deductible to lower your monthly premium.
✔️ Apply all available discounts (bundling, safe driver, low mileage, etc.).
✔️ Consider pay-per-mile insurance if you don’t drive often.

By following these steps, you can get the best full coverage auto insurance without overpaying—saving you hundreds of dollars per year! 🚗💰✅