The Best Full Coverage Auto Insurance of 2023

Geico consistently offers inexpensive car insurance rates in nearly every state. Nationally, its average annual full coverage car insurance premium for drivers with clean records is just $2,314. It also offers a long list of discounts and is surprisingly transparent about how much each one will save qualifying policyholders.

While Geico doesn't have as many optional endorsements as some of its competitors, it does offer some unique protections, like mechanical breakdown coverage. This helps policyholders pay for mechanical issues that typically aren't covered under car insurance.

State Farm offers a wide range of coverages for its auto policies, including rental insurance, rideshare insurance, and emergency roadside service. It has 19,000 agents across the country and offers other discounts in addition to bundling. State Farm is the largest property and casualty insurance company in the U.S., with over $70 billion in premiums written. It also takes the top spot for auto insurance. State Farm is ranked No. 1 in overall customer satisfaction, according to J.D. Power's 2022 U.S. Auto Insurance Study for the Southwest. It ranked in the top five for 8 out of the 10 remaining regions and ranked second for four of the regions.

State Farm has an AM Best rating of A++ (Superior), which shows its ability to pay claims, debts, and other financial obligations. It is one of the few life insurance companies to receive AM Best's highest ranking. State Farm's NAIC complaint index, which shows how many complaints it has received relative to its market share, is 1.18, the lowest on this list.

Farmers states on its website that you can save an average of $741 on auto and home policies and savings up to 20% if you bundle your home and auto with it. You can save up to 45% on your Farmers Auto insurance when you purchase multiple policies (like Home, Umbrella, Life, Business, Boat, Motorcycle, Motorhome and Recreational Vehicle) with Farmers. Auto perks include new car replacement, accident forgiveness, a safe driver discount and more. Home perks include guaranteed replacement cost, claim forgiveness, declining discounts, and claim-free discounts.

Farmers is the ninth-largest property and casualty insurance company in the U.S. with over $25 billion in premiums written and the seventh-largest auto insurance company. Farmers is ranked second in overall customer satisfaction, according to J.D. Power's 2022 U.S. Property Claims Satisfaction Study. The company received a score of 884 out of 1,000. The industry average is 871.

American Family has a longer list of car insurance discounts than many of its competitors. American Family offers safety discounts, young drivers and family discounts, and policy discounts. There are typical options, like multi-policy and claim-free discounts. But qualifying drivers can also save for some less conventional reasons.

Drivers under age 25 who choose to volunteer in their spare time might qualify for a special discount, as do those who switch to American Family from a competitor. There's also a generous KnowYourDrive option that rewards drivers willing to enroll in a monitoring program. Here are other policy discounts that American Family offers: Pay How You Drive, a discount if you come from a competitor, low mileage, early bird for getting a quote at least seven days before a policy goes into effect, a loyalty discount, and more.

Amica Mutual ranks highest in overall customer satisfaction with a score of 903 out of 1,000. The industry average is 873. Amica has been rated No. 1 in customer satisfaction in the New England region by J.D. Power for 10 consecutive years. Amica is the oldest mutual insurer of automobiles in the country and is available in the 48 contiguous states.

Amica offers a wide variety of coverages and discounts. It states on its website that drivers can save up to 25% when they insure more than one car with Amica and up to 20% when you combine auto and home coverage. Its discounts are not available in all states.

USAA is always the runaway favorite for military members and their families. It's known for offering affordable rates and excellent customer service. In most customer satisfaction surveys, it bests every other company featured. It's only available to military members, veterans, and their family members, though. Those who don't fall into one of these groups will have to explore other options for their auto insurance.

Not only does it offer the lowest rates, USAA would be ranked No. 1 in virtually all areas of the U.S. in J.D. Power's customer service rankings. Because it doesn't meet its award criteria, J.D. Power gives USAA a score but does not include it in the rankings. Most USAA members report high satisfaction with the financial service provider, with the majority of people with USAA membership purchasing multiple products.