Affordable Full Coverage Auto Insurance
Looking for affordable full coverage auto insurance? Our quote tool makes it easy to compare policies that combine liability, collision, and comprehensive protection in one. Whether you just bought a new car, are leasing, or want broader peace of mind, full coverage protects against more than just accidents. For a quick baseline, check GEICO quotes instantly.
Compare Full Coverage Auto Insurance by ZIP Code
Use your ZIP code to get instant quotes from leading companies offering customizable full coverage. These policies protect your car from accidents, weather, theft, vandalism, and more—making them the best choice for new, leased, or high-value vehicles. Then compare against Progressive plans to see how options stack up.
Get Full Coverage Quotes Now
Enter your ZIP code below and view options from different companies. Adjusting deductibles, coverage levels, and add-ons helps you find a balance between cost and protection.
See offers from top national and local carriers. Adjust limits and deductibles for your best price.
Explore our top providers 2025 list for broader comparisons.
What Does Full Coverage Auto Insurance Include?
Full coverage bundles usually include liability, collision, and comprehensive insurance in one policy. This gives you protection not only when you cause accidents, but also against theft, vandalism, weather damage, and other risks.
- Liability: Covers injuries or property damage you cause to others.
- Collision: Pays for damage to your car after an accident.
- Comprehensive: Covers non-collision risks like theft, fire, falling objects, and more.
When Do You Need Full Coverage?
You’ll typically want full coverage if your vehicle is financed or leased—lenders require it. Also, if your car is newer or you live in high-risk areas (storms, theft hotspots), full coverage helps you avoid major out-of-pocket costs after damage.
How to Save on Full Coverage Insurance
Even with full protection, you can still reduce costs. Use these strategies to lower your premium:
- Bundle your auto with home/renters insurance for a multi-policy discount.
- Choose higher deductibles (if you can afford them).
- Take advantage of safe driver, anti-theft, and paperless billing discounts.
- Compare multiple insurers using our ZIP-based quote tool.
Compare Full Coverage Quotes from Leading Insurers
Prefer strong bundling and agent support? Review Allstate full coverage for terms and discounts.
| Provider | Ideal For | Average Monthly Cost* | Key Perk |
|---|---|---|---|
| GEICO | Drivers seeking affordable full coverage | $115–$140 | Strong online tools and claim service |
| Progressive | Tech-savvy drivers and multi-car families | $125–$160 | Snapshot program for safe driving discounts |
| Allstate | Bundlers and homeowners | $130–$165 | Generous multi-policy and claim-free rewards |
| Safeway | Drivers needing SR-22 or flexible approval | $140–$175 | Fast approval and customizable liability tiers |
*Actual premiums depend on ZIP, vehicle type, and driving record.
Full Coverage for High-Risk Drivers
Full coverage is still possible for drivers with violations or poor credit. Some insurers offer SR-22 compatible plans, but expect higher rates or stricter terms.
Alternatives and More Options
If full coverage isn’t in your budget today, consider liability-only or hybrid policies. Then compare providers to find which gives the best value for your ZIP code.
Frequently Asked Questions about Full Coverage Auto Insurance
Below are key questions new or budget-conscious drivers often ask before choosing full coverage:
Is full coverage required for every car?
No—it's generally required only if you're leasing or financing. Older, paid-off cars often rely on liability-only to reduce cost.
Does full coverage cover my car if I'm at fault?
Yes—collision covers your vehicle’s repairs even if you're at fault, while comprehensive covers damage from non-accident causes.
Can I get discounts on full coverage?
Definitely. Safe driver, multi-policy, good student, and other discounts apply. Ask each insurer what they offer.
Will my credit score affect the price?
In many states, yes. Better credit generally lowers premium, but there are carriers with more lenient underwriting for lower credit scores.