Best Car Insurance Companies (October 2025)

Travelers, GEICO, Amica, Progressive and State Farm rank as the best national car insurance providers based on affordability, customer satisfaction and coverage breadth.

1. Travelers: Best for most drivers
2. GEICO: Best cheap car insurance
3. Amica: Best customer experience
4. Progressive: Best coverage selection
5. State Farm: Best discount programs for young drivers

Each company earns rankings across our three core categories: affordability (a cheaper full coverage policy earns a better score), customer experience and coverage options.

Each of the top five carriers excels in different areas. The reviews below break down pricing by driver profile, customer service performance and unique coverage features for each company.

Our in-depth car insurance reviews use data, expert analysis and customer feedback to compare prices, service quality and claims experience among top national insurers. Use our ratings to make a confident, informed choice.

Travelers leads 8 of 11 driver categories nationwide, ranking first for young drivers, adult drivers, drivers with accidents, drivers with DUIs, drivers with speeding tickets, drivers with bad credit, drivers with low income and drivers with newer cars.

Three other carriers win specific categories:

• USAA: Best for military members
• Amica: Best for senior drivers
• GEICO: Best for drivers with older cars

The table below shows the top-ranked carrier for each category, with rankings from 1 to 10 for affordability, customer experience and coverage (1 = best).

State-level rankings include regional carriers not available nationwide, changing the competitive landscape from national comparisons.

State Winners:

• Travelers: 17 states
• Auto-Owners: 12 states
• Progressive: 7 states
• State Farm: 5 states
• GEICO: 4 states
• Erie: 3 states
• Plymouth Rock: 2 states
• Amica, American National, AIG, Central: 1 state each

Find the top-rated carrier for your state in the table below, which includes affordability, customer experience and coverage rankings for each state winner.

Travelers ranks first overall with a 4.8 out of 5 score, leading in 8 of 11 driver categories and 17 states nationwide. GEICO offers the lowest rates at $98 per month for full coverage. Amica delivers the best customer experience with a perfect 5 out of 5 rating. USAA tops rankings for military members while regional carriers like Auto-Owners often beat national providers at the state level.

Compare quotes from at least three carriers since rates vary by 50% or more for identical coverage based on your age, location and driving record. Use the carrier reviews and state rankings above to find top-rated options, then request quotes to find the lowest price for your profile.

Here are answers to frequently asked questions to help you find the best car insurance company for your needs:

This analysis evaluated more than 70 insurance companies nationwide, including national carriers, regional providers and local insurers across all U.S. residential areas.

The rankings combine rate analysis, customer feedback and coverage assessments across three weighted factors:

Affordability (60% of total score): Rate quotes were collected for multiple driver profiles across all states, using a baseline profile of a 40-year-old driver with good credit, a clean record and no prior claims. Additional quotes were gathered for young drivers, seniors and drivers with violations to ensure accurate rankings across all demographics.

Customer experience (30% of total score): Customer satisfaction data was compiled from Google reviews, J.D. Power ratings, AM Best financial strength scores and forum discussions. Feedback was organized by state to identify geographic performance variations.

Coverage options (10% of total score): Each provider's range of coverage types and unique policy features was evaluated to assess the breadth and value of available protections.