The Best Auto Insurance for Full Coverage

Full coverage from Allstate provides the best combination of flexibility and affordability for most drivers, no matter your needs.

Full Range of Coverage Options

Allstate makes it easy to piece together the full coverage that works best for you and your family. First, the company offers the required coverage that most drivers need. Bodily injury liability and property damage liability from Allstate help pay for the injuries and property damage of another person if you cause an accident.

Every state except New Hampshire and Virginia requires liability coverage, though you have flexibility in the limits you choose to purchase. Generally, higher limits mean higher premiums, but you’ll have more protection if you cause an accident.

Round out your full coverage from Allstate with a selection of its other coverage options:

• Collision and comprehensive coverage pay for replacing or repairing your vehicle after an incident.
• Rental reimbursement coverage pays you a certain amount to rent a car while yours is being repaired under a covered claim.
• Uninsured and underinsured motorist coverage protects you in the event that you’re in an accident with a driver without insurance.
• Medical payments coverage and personal injury protection (PIP) pay for you or your passenger’s medical expenses after an accident.

Choose your coverage from Allstate a lá carte, and rest assured that your policy will take care of you when you need it.

Allstate Ride for Hire

If you are a rideshare driver, you probably spend a lot of time on the road and want to maximize your auto coverage. As an extra layer of protection, you can opt for Allstate’s Ride for Hire coverage in addition to your personal coverage and the rideshare company’s policy.

Ride for Hire kicks in when you are signed in to an app like Uber or Lyft, whether you are driving or waiting for an assignment. It can cover exclusions in both your personal insurance and the rideshare company’s insurance policies, including deductible gap coverage for damage to your vehicle of up to $2,500.¹ Add it to your existing Allstate full coverage insurance policy to protect your finances.

Flexibility for Student Savings

Students looking for full coverage auto insurance should look no further than Allstate. The company provides the best student insurance coverage on the market. If you are an unmarried student under the age of 25, then you can qualify for Allstate’s Smart Student Discount if you:

• Have a GPA of at least 2.7 as a full-time student.
• Complete Allstate’s TeenSMART driver education program.
• Attend school more than 100 miles away from your car.

Allstate’s Smart Student Discount is powerful because it applies to both part-time students (who can save by completing safe driving programs) and full-time students (who can save in multiple ways depending on whether they live close to home). In sum, students under 25 who want full coverage auto insurance can get some serious discounts with Allstate.

State Farm is your choice if you want to pair full auto coverage with other types of insurance that you need, making it easy to consolidate your coverage and unlock multi-policy discounts.

Bundle and Save With State Farm

You can earn steep discounts by bundling your full coverage auto insurance with other types of insurance within a single company. State Farm is one of the most compelling providers for bundling, since it offers so many types of insurance coverage:

• Car insurance
• Motorcycle insurance
• Boat insurance
• Motorhome insurance
• ATV insurance
• Homeowners insurance
• Condo insurance
• Renters insurance
• Life insurance
• Health insurance
• Disability insurance
• Liability insurance
• Small business insurance²

You can save up to 17 percent by bundling two or more of these policy options. State Farm applies this discount automatically when you select your policies. Besides the monetary discount, bundling makes it easier to manage multiple policies, saving you valuable time.

Multiple-Auto Discount

State Farm is the best provider on our list for drivers who want full coverage for multiple cars. If you elect to cover two or more vehicles registered to your household, you can save up to 20 percent. Best of all, you can stack this discount with State Farm’s multi-policy discount to score lower premiums without sacrificing coverage.

Car Rental and Travel Expense Coverage

State Farm’s car rental and travel expense coverage should be part of your full coverage auto insurance. This coverage has two parts: rental car and travel coverage.

• Rental car coverage: Car rental expense coverage pays up to a certain amount for a rental car if your car isn’t driveable. Note that State Farm’s comprehensive or collision coverage must cover the damage in order to qualify. Such coverage comes with a daily and a per-claim limit. A limit of $25/$500 means that State Farm will pay for up to $25 for a rental car per day and up to $500 for your entire claim. The company will pay up to $500 for a deductible if you have a covered-loss accident in your rental car. If you rent from an in-network company, State Farm will pay it directly. Otherwise, you will pay the rental fees upfront, and State Farm will reimburse you.
• Travel coverage: Travel expense coverage pays up to $500 for meals, lodging, and transportation home from an accident if your car is not driveable. The incident must occur at least 50 miles from home, and your comprehensive or collision insurance must cover it. Additionally, State Farm includes a return trip to pick up your car.

USAA checks a lot of boxes for full coverage insurance at a great price point, but it is available only to military members and their families.

USAA’s Umbrella Insurance

If the damages from an accident that you cause exceed your policy limits, then a judge can hold you financially responsible. This means that your creditors could repossess your savings and property, and even garnish your future wages. Umbrella insurance helps protect you against such situations.

USAA offers personal umbrella insurance coverage between $1 million and $5 million. In most states (except New York, Pennsylvania, and Hawaii), you’ll need to have a USAA auto policy in order to qualify for umbrella insurance. USAA requires you to maintain the following minimum auto coverages to qualify for umbrella insurance:

USAA Loyalty Discounts

USAA rewards loyal members, which is why it has the highest customer loyalty in the insurance business, with 96 percent member retention.³ If you remain with the company for at least three years, you can earn a loyalty discount of up to 10 percent on your future premiums.

The same discount applies when you move off your family’s USAA auto insurance policy for the first time. If your family has had their USAA membership for three or more years, you can apply for a family discount on your first individual auto insurance policy as long as you are under 25 and have a clean driving record.

Car Rental Perks

Like all of the providers we assessed, USAA offers rental reimbursement coverage as part of its full coverage insurance. In the event that your car isn’t driveable after an incident, your coverage would help pay for your rental car.

With USAA, you can stretch your rental coverage even further with its car rental partnerships. You’ll unlock big discounts with name-brand rental companies as well as waived fees, damage liability coverage, and perks like skipping the line at the counter. Stacking rental reimbursement coverage with USAA’s rental perks is a great way to get the most out of your full coverage insurance.

Safe drivers take note: While several insurance providers on our list offer discounts for safe driving, Liberty Mutual is the only one that maintains your discount for the life of your policy.

RightTrack Rewards Safe Drivers for Life

With RightTrack by Liberty Mutual, you can save on your premiums based on your actual driving habits. The best part? You’ll get a discount just for signing up and participating. There are two options for RightTrack depending on where you live: a monitoring device and a mobile app.

• Monitoring device: If you live in New York, you’ll receive a small device that monitors your driving for a set time period. The company then takes into account miles driven, braking, acceleration, and timing in order to provide up to a 30 percent discount on your coverage if you drive safely.⁴
• Mobile app: If you live in one of the following states, then you will track your driving on a mobile app rather than a plug-in device.
  • Alaska
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Wisconsin
  • West Virginia
  • Washington, D.C.

No matter where you live, your safe driving discount will apply for the life of your policy with Liberty Mutual.

Custom Auto Policies for Teachers

Liberty Mutual offers the best full coverage auto insurance for educators. For one thing, teachers receive discounts on their premiums just by signing up. Also, Liberty Mutual includes vandalism loss protection on policies for teachers, meaning you will pay a $0 deductible if your car is vandalized on school property (except in Pennsylvania, where the deductible is $100).

Also, through Liberty Mutual’s personal property coverage, teaching materials stolen or damaged in your vehicle will be covered for up to $2,500 per incident. Finally, collision coverage for teachers offers a $0 deductible if damage occurs while you’re driving on school business. Educators should feel confident with their full coverage policies from Liberty Mutual.

Combined Discounts for Administering Your Policy

It’s easy to earn discounts just by paying for your Liberty Mutual insurance policy. Right off the bat, you can save by signing up for insurance online before your current policy expires, as well as stacking Liberty Mutual’s early shopper and online purchase discounts. On top of that, you can choose to pay your premiums automatically with your bank account each month and opt out of paper bills to unlock an additional 12 percent off your coverage.

Farmers offers flexible discounts for your family whether you have a student driver or you share a car. Combine these savings with homeownership and hybrid vehicle discounts and you may find that your family’s finances can handle Farmers’ higher-than-average premiums.

Farmers’ Shared Family Car Discount

Earn a discount on your insurance premium when your family shares a vehicle. To qualify for this discount, your family must meet two requirements:

• Have a single driver up to age 20 in the household.
• Have more active drivers than vehicles in your household.

Two important exclusions apply: First, vehicles defined as “in storage” are excluded from the vehicle count. Second, Farmers does not offer this discount in California. But if you meet the criteria, your family can save on auto insurance by sharing a car.

Multi-Car Discount

Say your family owns multiple cars with distinct drivers. Farmers makes it easy to save with its multi-car discount, which kicks in when you insure two or more vehicles. Each car must be registered in the same household and to the same policyholder. However, note that this discount does not compound, meaning you won’t get a larger discount when you insure more vehicles.

Savings on Student Insurance

Farmers’ Good Student Discount helps you save if you are a high-achieving student. You’ll receive big savings on your coverage if you meet the following criteria:

• You’re 16 to 24 years old.
• You’re a full-time student.
• You achieve good grades, with one of the following:
  • 3.0 GPA
  • B average or higher
  • Dean’s list or honor roll
  • Top 20 percent of your class
  • Top 20 percent on standardized testing

You can combine this student discount with other discounts for driving a hybrid vehicle or buying renters insurance through Farmers.

Stacking multiple discounts will get you the lowest car insurance rates from all auto insurance companies. Look for discounts like good driving, accident forgiveness, young drivers, good drivers, good driving history, and good credit.

The more additional coverages you add, and the higher the coverage limits, the higher the auto insurance rate. To get the lowest auto insurance rate, opt only for your state’s minimum requirements. Of course, price isn’t the only factor you should consider; make sure that your insurance company offers reliable customer service.