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Erie has even lower rates at $106 per month for full coverage. But, it's only available in 12 states and Washington, D.C. Though the average Houston driver pays $646 per year for the minimum amount of car insurance coverage required and $2,219 per year for full coverage, you may be able to find a cheaper policy ...Average annual rate for 20-year-olds, by company. Rates vary from company to company. For example, full coverage from State Farm for a 20-year-old costs $4,452 a year, on average, while the ...Apr 15, 2024 · Our analysis found that Nationwide is the best car insurance company overall, with Erie, Travelers and USAA also excelling. We analyzed insurers nationwide based on costs, coverage options, claims ... Our analysis found that Nationwide is the best car insurance company overall, with Erie, Travelers and USAA also excelling. 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