Are you looking for auto insurance? Do you want to know the best price for a full cover insurance? Then you came to the right place. In this guide we will show you the most profitable and most requested auto insurance policies of this 2020. In addition, you will learn about the coverages they offer , their pros, cons, price comparisons and more. Would you like to learn how to quote a full cover insurance with us? Continue reading…
Index of Contents
Which insurer in the US offers the best price for full cover insurance?
If you’re looking for full cover auto insurance , it’s worth taking the time to shop around until you find a good price. However, if your main goal when making a decision goes beyond saving a few thousand dollars ; So, choose an insurer that offers good customer service and whose coverage features are really useful.
Here are the best auto insurance companies for comprehensive coverage based on a combination of price, customer service , and coverages . On the other hand, this selection was made based on the opinions of hundreds of users on financial portals such as NerdWallet , Insurance.com and the economics blog The Balance .
Next, we show you the cheapest average annual rates for 2020 for full cover insurance:
- Geico : $1,278
- State Farm: $1,234
- USAA : $ 885
Other national insurers with reasonable prices and good price / quality ratio are:
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- Progressive : $1,373
- American Family: $1,391
- Farmers: $1,682
- Allstate : $1,880
>> If you want to know more about the cheapest car insurance for 2020, check our official guide.
Best overall full cover insurance price in the US: GEICO
Average full cover policy rating: 4.1 / 5
Why choose this insurer? It is widely available in all states of the USA
Of the insurance companies available nationwide, GEICO is crowned as the insurer with the best customer service . It also has various personalized plans making millions of users save money on their policies constantly. Aside from its affordability, GEICO has a strong reputation for customer service, with a low complaint rate and high ratings on JD Power’s claims satisfaction .
Geico is the second-largest auto insurance company in the country, and it often offers low-rate deals to consumers online as well as those who quote over the phone. Therefore, the combination of affordable rates and a strong customer experience makes GEICO an excellent and affordable option for buyers of full cover insurance.
Full cover policy rates at GEICO
Next, we show you a table of data on the average value of a full cover policy with GEICO according to the type of client, age and gender:
| Type of client / Years | Average rate nationwide |
|---|---|
| 30 year old single woman | $1,380,14 |
| 30 year old single man | $1,278,48 |
| 35-year-old married woman | $1,150,12 |
| 35 year old married man | $1,133,33 |
| 60-year-old married woman | $1,050,21 |
| 60 year old married man | $1,020,14 |
We must remember that age is a very important factor for insurance companies when setting rates. In this case, GEICO is no exception. So, on average, a person between the ages of 25 and 30 will cancel a full cover insurance valued between $ 1,200 and $ 1,390 per year with this company. On the other hand, the range of representative rates falls around $ 200 to $ 140 for the profiles of 35-year-old drivers; while for profiles older than 60 years the price drops another $ 100
Important : This quote was made considering 30 , 35 and 60 year olds with a clean driving record and whose insurance coverage was at least 12,000 miles / year. On the other hand, the level of coverage was considered “medium” and the marked credit history was “good”.
Full cover insurance rates in GEICO according to miles circulated
To show you a more complete analysis, we created two driver profiles to compare how annual mileage can change your full cover insurance rates with Geico. And we show you the results below:
| Annual mileage | Average rate nationwide |
|---|---|
| 6,000 miles | $1,102,12 |
| 12,000 miles | $1,178,56 |
Those who drive 6,000 miles per year will pay an average rate of $ 1,100, while a driver profile with 12,000 miles per year will pay almost $ 1,200 per year. $ 1,168. In other words, for both circumstances there is a difference of only $ 76 .
Important : The profiles in this quote covered age groups between 30,35 and 60 years with a clean driving record, good credit history and medium coverage level.
GEICO full cover insurance rates by type of coverage
Next, we show you the price differences regarding the type of coverage you choose
| Type of coverage | Average rate nationwide |
|---|---|
| Low (up to 2 additional policies) | $1,088,10 |
| Medium (up to 3 additional policies) | $1,180,01 |
| High (up to 6 additional policies) | $1,255,02 |
Low coverage driver profiles had an average rate of about $ 1,088. Whereas, high levels of coverage cost an average of $ 1,255 a year. We already know how expensive a traffic accident can be ; therefore, canceling an extra $ 167 for high, comprehensive coverage that allows you to further customize your policy can be a great deal when it comes to saving money.
Geico full cover insurance rates based on driving history
Would you like to know how your driving record impacts the final price of your full cover policy? So, pay close attention to the following information:
| Driving record | Average rate nationwide |
|---|---|
| Driver with a clean record | $1,167.93 |
| With 1 speeding violation | $1,510.16 |
| With 1 traffic accident | $1,802.17 |
| With 1 DUI (Driving under the influence of alcohol) | $2,957.84 |
As you can see, drivers who have certain traffic violations in their history will have a much more expensive full cover insurance. However, at GEICO the average rates for profiles of drivers with a clean record start at $ 1,168.
Pros and Cons of GEICO
Here are the main pros and cons about this insurer:
| Pros | Cons |
|---|---|
| This company stands out for having a high level of customer satisfaction, at least when it comes to auto insurance claims. | Some types of coverage are available only through partners. |
| The website and mobile application is easy to access and fairly simple to use | It can be difficult to find a GEICO agent if you live in a small town. |
| Discounts available 365 days a year | Does not offer gap insurance |
Who should opt for a Geico full cover insurance?
Geico is one of the cheapest auto insurance companies in our study. Therefore, it is the ideal choice for almost all driver profiles. However, the only exception we find is the profile of a driver with a DUI conviction. For this specific profile, we do not recommend this insurer; at least not when you’re looking to save money.
>>Learn more about everything that includes a full cover auto insurance with our official guide.<<
Best price for full cover insurance for drivers with bad driving records in the US: State Farm
Average full cover policy rating: 4.06 / 5
Why choose this insurer? If you are a driver who has had problems with his driving record , this is the insurer for you. You may not have great benefits, but at least you can save money.
People looking for good customer service and willing to pay a little more than the average rate for quality full cover insurance should choose State Farm as their first choice. Also, if you are a driver with a recent tainted driving record , State Farm will be the insurer that will hurt you the least, at least when it comes to premium payments.
It is important to mention that the experience with State Farm will depend solely on the local agent you find. The reason is that, many online users claim that some insurance brokers do not provide good customer service. So choosing the right local agent seems to be key, so asking others in your area for recommendations could help you find the best option.
Full cover policy rates at State Farm
| Type of client / Years | Average rate nationwide |
|---|---|
| 30 year old single woman | $1,468.63 |
| 30 year old single man | $1,330,05 |
| 35-year-old married woman | $1,204,67 |
| 35 year old married man | $1,204,67 |
| 60-year-old married woman | $1,098,01 |
| 60 year old married man | $1,098,01 |
Important : In this quote, criteria similar to those of GEICO were taken . In other words, 30, 35 and 60-year-olds with a clean driving record were considered. On the other hand, coverage is average with at least 12,000 miles / year. Furthermore, the credit history chosen for our study was ‘good’.
State Farm full cover insurance rates based on miles circulated
| Annual mileage | Average rate nationwide |
|---|---|
| 6,000 miles | $1,113,59 |
| 12,000 miles | $1,234,01 |
It seems that the number of miles traveled is not an issue when it comes to State Farm. And, the profiles with 6,000 miles a year pay $ 1,114, on average. While, the profiles with high mileage, have an increase of only $ 120 per year, to $ 1,234.
Important : Users who choose full coverage insurance with 12,000 miles save about 13% with State Farm compared to other large national insurers.
State Farm full cover insurance rates by type of coverage
| Type of coverage | Average rate nationwide |
|---|---|
| Low (up to 2 additional policies) | $1,143,10 |
| Medium (up to 3 additional policies) | $1,234,01 |
| High (up to 6 additional policies) | $1,325,66 |
At State Farm, the average rates for the three coverage levels don’t differ much from each other. First, the profile with low coverage insurance has a representative premium of $ 1,143, while the one with high coverage has a study rate of $ 1,326. Considering that medical care, repairs, and claims cost a lot of money, it seems reasonable to invest an additional $ 200 per year for a 100% policy customization benefit.
Important : Remember that the profiles of this quote do not change. In other words, we continue to study cases of people between the ages of 30, 35 and 60 with a clean driving record and good credit history .
State Farm full cover insurance rates based on driving history
| Driving record | Average rate nationwide |
|---|---|
| Driver with a clean record | $1,234,01 |
| With 1 speeding violation | $1,374,62 |
| With 1 traffic accident | $1,412,89 |
| With 1 DUI (Driving under the influence of alcohol) | $1,680,7 |
The fact that the more inconveniences we have in our history, the higher the premium to pay for a full cover insurance should not come as a surprise . However, the State Farm average rate for a profile with a DUI is the lowest in our study, rivaling even the very low rates from USAA. Therefore, this insurer becomes the ideal option for drivers with these types of problems in their driving record .
State Farm Pros and Cons
Here are the main pros and cons to consider if you want to find the best price for full cover insurance with State Farm
| Pros | Cons |
|---|---|
| The methodology for filing a claim is simple. | If you can’t find a good insurance agent, your experience may not be as enjoyable. |
| Excellent customer service (At least in the central and claims department) | High average rates for people with negative experiences on their driving record |
| Good price / quality ratio | It is not the cheapest option on the market. |
Who should opt for State Farm full cover insurance?
If you are looking for the best full cover insurance price and you are a driver with driving history problems, don’t think twice; State Farm is the option you are looking for. Keep in mind that, it is not the least expensive insurer for any of these profiles, but those who are middle-aged or older will have better rates at State Farm than many of its competitors.
Important : A customer profile with a clean track record gets the lowest rate no matter which company they are insured with, but on average, State Farm survey rates don’t increase as much as some rival insurers do after a fine or accident .
>> Don’t you know how much coverage you need for your car? Check out our guide!
Best price for full cover insurance for active and retired US military: USAA
Average full cover policy rating: 4.5 / 5
Why choose this insurer? It has the best prices for current members of the Air Force, Army, Coast Guard, Marine Corps, Navy, National Guard and the US Reserves, Also, its services include retired veterans and former military with honorable leave.
First, to qualify for membership with USAA , you must be an active duty member of the United States armed forces, a retired veteran, or an honorably separated former service member. Although, you will also have benefits if you are the spouse of a member or the son or daughter (including stepchildren) of a member.
This company offers the best rates on the market for current members of the Air Force, Marine Corps, Army, Navy, National Guard, US Reserves, and Coast Guard. All USAA full cover insurance policies are also available to retired and former military personnel.
In fact, widows and widowers can retain USAA membership , as can former spouses who have not remarried and had a USAA insurance policy during the marriage to a service member. On the other hand, all children and stepchildren of USAA members also qualify.
Important : USAA extends membership to cadets and midshipmen in US service academies, individuals in advanced ROTC or ROTC scholarship, and officer candidates within 24 months of commissioning.
Rates of full cover policies in USAA
| Type of client / Years | Average rate nationwide |
|---|---|
| 30 year old single woman | $1,030,40 |
| 30 year old single man | $1,080,01 |
| 35-year-old married woman | $820,10 |
| 35 year old married man | $817,01 |
| 60-year-old married woman | $760,40 |
| 60 year old married man | $760,99 |
Important : In this quote we will take into account the criteria established in GEICO and State Farm . In other words, it is a hypothetical study of full cover quotes for 30 , 35 and 60 year olds with a clean driving record. Please note that we select a minimum of 12,000 miles / year and a good credit history.
Full cover insurance rates in USAA according to miles circulated
| Annual mileage | Average rate nationwide |
|---|---|
| 6,000 miles | $829 |
| 12,000 miles | $885 |
The driver profile for the 6,000 mile group showed an average rate of $ 829. Whereas, the driver profile for the 12,000 mile group shows a rate that is only $ 56 higher than the rate paid for the previous profile. Therefore, in USAA, mileage does not have a large impact on average representative rates .
USAA full cover insurance price according to the type of coverage
| Type of coverage | Average rate nationwide |
|---|---|
| Low (up to 2 additional policies) | $830 |
| Medium (up to 3 additional policies) | $884,70 |
| High (up to 5 additional policies) | $940 |
The low coverage driver profile has an average representative rate of $ 830; while for a driver with high coverage the average representative rate is $ 110 higher than the rate paid by a profile with low coverage. What does that mean? For just $ 12 more per month you can enjoy a high full cover policy where you can customize all the policies that you consider necessary for your car.
USAA full cover insurance rates based on driving history
| Driving record | Average rate nationwide |
|---|---|
| Driver with a clean record | $885 |
| With 1 speeding violation | $1,040,78 |
| With 1 traffic accident | $1,228,98 |
| With 1 DUI (Driving under the influence of alcohol) | $1,683,7 |
In this case, USAA is no exception; drivers with a clean record generally pay the lowest rates; You know, a driver profile with a clean record pays a representative fee of $ 885. However, if this same driver commits a speeding violation, his premium will increase by almost $ 156. On the other hand, another point to note is that driver profiles with a DUI pay the highest representative premiums.
Pros and Cons of USAA
Next, we show you some pros and cons to consider if you want to get the best price for full cover insurance with USAA
| Pros | Cons |
|---|---|
| USAA offers the lowest average representative rate of all the companies included in this guide. | It has strict qualification requirements; |
| It has excellent customer service. | Current or past military service is required to be eligible. |
| Without a doubt, it is the company that offers the best price for full cover insurance in the USA. |
Who should opt for USAA full cover insurance?
The military connection is a key aspect to take advantage of and get the best full cover insurance price with USAA. So, in case you are eligible to quote with this insurer, don’t think twice and get a policy with USAA. It is clear that this company is a leader in the auto insurance industry . Likewise, USAA has some of the lowest representative rates and the best reviews from the major auto insurance companies in our study, so the switch is worth considering.
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If you made it to the end of this guide, we want to please you! It will always be a pleasure for us to help you make better financial decisions in the USA. Remember, if you need to find the best price for full cover insurance, visit our website. At InfoInsurances.com we tell you about the best offers currently available . Do not forget, quote and compare with us totally free. We will wait for you!