How to Find the Cheapest Full Coverage Car Insurance in 2025

Although $29 per month for full coverage insurance is rare, you can still find affordable rates by following these steps:

1. Compare Multiple Insurance Quotes

Use online comparison tools like The Zebra, Insurify, or Policygenius to compare quotes from multiple insurers and find the best deal for your needs.

2. Choose the Right Coverage Limits

Full coverage typically includes:

Liability Insurance (required by law in most states)
Collision Coverage (covers damage to your vehicle in an accident)
Comprehensive Coverage (covers theft, vandalism, and natural disasters)

Adjusting your coverage limits and deductible can help lower your premium while maintaining essential protection.

3. Look for Discounts

Many insurance companies offer discounts that can significantly reduce your premium, such as:

Safe Driver Discount – For accident-free and ticket-free driving.
Bundling Discount – Combining auto and home or renters insurance.
Low Mileage Discount – If you drive less than the average annual mileage.
Good Student Discount – For students with a GPA of 3.0 or higher.
Defensive Driving Course Discount – Completing an approved driving course.

4. Opt for Usage-Based or Pay-Per-Mile Insurance

Companies like Metromile, Root Insurance, and Allstate’s Drivewise offer programs where your premium is based on how much and how safely you drive. If you drive infrequently, these programs can help you save money.

5. Raise Your Deductible

A higher deductible means lower monthly payments. However, ensure you can afford to pay the deductible in case of a claim.

6. Improve Your Credit Score

In most states, a better credit score leads to lower insurance rates. Pay bills on time, reduce debt, and monitor your credit report to improve your score.

7. Avoid Unnecessary Add-Ons

Skip extras like roadside assistance or rental car reimbursement if you don’t need them, as they can add to your premium cost.

8. Check for State-Specific Low-Cost Programs

Some states, like California, offer low-cost auto insurance programs for low-income drivers. Check with your state’s Department of Insurance for eligibility.

9. Work with an Independent Insurance Agent

An independent agent can help you compare rates and find hidden discounts from various companies.

10. Re-Evaluate Your Policy Annually

Insurance rates change frequently. Shopping around each year ensures you’re getting the best price for your coverage needs.