Updated: September 10, 2025
Advertising & Editorial Disclosure
Travelers is the best car insurance company in the U.S., earning a nearly perfect 4.8 out of 5 score in our comprehensive study.
Auto-Owners is the best regional car insurance provider, winning 12 out of 51 states and territories nationwide, or 11 out of 26 states where it's available.
To find the best and lowest cost car insurance, research multiple companies and costs for your profile, decide on coverage needs beforehand and compare multiple quotes.
These companies are the best nationally available car insurance companies in the United States:
Below, you can review our scores for each company and how well each ranks nationally in our three core rating categories.
| Travelers | 4.80 | 2 | 2 | 4 |
| GEICO | 4.64 | 1 | 7 | 7 |
| Amica | 4.62 | 4 | 1 | 5 |
| Progressive | 4.40 | 7 | 4 | 2 |
| State Farm | 4.38 | 5 | 5 | 7 |
To learn more about our top companies, check out these detailed guides, which explain what makes each one unique and who it's best for.
Best for Most Drivers
Average Monthly Full Coverage Rate
Average Monthly Minimum Coverage Rate
Agent Service Rating
Unique Coverage Option
Best Cheap Car Insurance
Average Monthly Full Coverage Rate
Average Monthly Minimum Coverage Rate
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Unique Coverage Option
Best Customer Experience
Average Monthly Full Coverage Rate
Average Monthly Minimum Coverage Rate
Agent Service Rating
Unique Coverage Option
Best Car Insurance Coverage Options
Average Monthly Full Coverage Rate
Average Monthly Minimum Coverage Rate
Agent Service Rating
Unique Coverage Option
Best Discount Programs for Young Drivers
Average Monthly Full Coverage Rate
Average Monthly Minimum Coverage Rate
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Unique Coverage Option
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.
MoneyGeek analyzed the best car insurance companies across 11 driver categories to determine which insurers lead in affordability, customer experience and coverage options.
Travelers is rated best car insurance in 8 out of 11 categories in our study. The company is rated highly 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 best car insurance companies earned top spots in their specialties:
The table below shows which of the top car insurance companies won each category. Each company receives rankings from 1 to 10 in affordability, customer experience and coverage, with 1 being the best score.
| Military | USAA | 1 | 1 | 6 |
| Young Drivers | Travelers | 2 | 2 | 4 |
| Adult Drivers | Travelers | 2 | 2 | 4 |
| Senior Drivers | Amica | 2 | 1 | 5 |
| Drivers With an Accident | Travelers | 1 | 2 | 4 |
| Drivers With a DUI | Travelers | 1 | 2 | 4 |
| Drivers With a Speeding Ticket | Travelers | 2 | 2 | 4 |
| Drivers With Bad Credit | Travelers | 5 | 2 | 4 |
| Drivers With Low Income | Travelers | 3 | 2 | 4 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | GEICO | 1 | 7 | 7 |
Our recommendations above are more general and may not represent your profile as closely as possible. Here's a filterable table where you can input your age group, gender, credit score, driving record and preferred coverage level to get personalized top companies:
| Travelers | 1 | 1 | 2 | 4 |
| Progressive | 2 | 6 | 4 | 2 |
| Amica | 3 | 4 | 1 | 5 |
| GEICO | 4 | 2 | 7 | 7 |
| Nationwide | 5 | 7 | 8 | 4 |
At the state level, the top companies are the following when considering regional and local providers:
The table below shows which company offers the best car insurance in your state and how each performs in our three major rating categories.
| Alabama | AIG | 1 | 8 | 6 |
| Alaska | Geico | 1 | 3 | 3 |
| Arizona | Travelers | 1 | 2 | 4 |
| Arkansas | Travelers | 2 | 2 | 6 |
| California | Progressive | 2 | 3 | 2 |
| Colorado | American National | 1 | 10 | 5 |
| Connecticut | Geico | 1 | 4 | 6 |
| Delaware | Travelers | 1 | 1 | 4 |
| District of Columbia | Erie Insurance | 2 | 1 | 2 |
| Florida | Travelers | 1 | 1 | 4 |
| Georgia | Auto Owners | 2 | 1 | 7 |
| Hawaii | Geico | 1 | 4 | 5 |
| Idaho | State Farm | 1 | 4 | 6 |
| Illinois | Auto Owners | 2 | 1 | 6 |
| Indiana | Travelers | 3 | 2 | 5 |
| Iowa | Travelers | 1 | 2 | 5 |
| Kansas | Travelers | 2 | 2 | 5 |
| Kentucky | Travelers | 1 | 2 | 5 |
| Louisiana | Progressive | 5 | 1 | 2 |
| Maine | Travelers | 1 | 2 | 4 |
| Maryland | Travelers | 3 | 2 | 5 |
| Massachusetts | Plymouth Rock Insurance | 1 | 3 | 1 |
| Michigan | Travelers | 1 | 2 | 5 |
| Minnesota | Auto Owners | 2 | 1 | 5 |
| Mississippi | Travelers | 2 | 1 | 5 |
| Missouri | Auto Owners | 1 | 1 | 6 |
| Montana | State Farm | 1 | 2 | 5 |
| Nebraska | Auto Owners | 3 | 1 | 6 |
| Nevada | Travelers | 1 | 1 | 4 |
| New Hampshire | Auto Owners | 6 | 1 | 6 |
| New Jersey | Plymouth Rock Insurance | 1 | 3 | 1 |
| New Mexico | Central Insurance | 2 | 3 | 1 |
| New York | Progressive | 2 | 4 | 1 |
| North Carolina | Progressive | 2 | 2 | 2 |
| North Dakota | Auto Owners | 6 | 1 | 5 |
| Ohio | Auto Owners | 1 | 1 | 7 |
| Oklahoma | Progressive | 1 | 1 | 2 |
| Oregon | Progressive | 1 | 2 | 2 |
| Pennsylvania | Erie Insurance | 2 | 1 | 3 |
| Rhode Island | Amica | 2 | 1 | 5 |
| South Carolina | Auto Owners | 3 | 1 | 5 |
| South Dakota | Progressive | 1 | 2 | 2 |
| Tennessee | Auto Owners | 1 | 1 | 6 |
| Texas | State Farm | 1 | 3 | 6 |
| Utah | Auto Owners | 2 | 1 | 5 |
| Vermont | State Farm | 3 | 3 | 6 |
| Virginia | Travelers | 1 | 3 | 5 |
| Washington | Geico | 1 | 6 | 6 |
| West Virginia | Erie Insurance | 2 | 1 | 3 |
| Wisconsin | Travelers | 2 | 3 | 5 |
| Wyoming | State Farm | 2 | 1 | 3 |
We've created additional guides below to help you in your search for the best and cheapest car insurance companies:
Finding the best car insurance company requires evaluating several key factors that directly impact your experience and financial protection. Here are the main components to assess when comparing the best auto insurance providers.
Affordability for the car insurance coverage you want and for your profile is paramount and should inform your decision-making. Research car insurance discounts that apply to you so you can save further.
Research how current and former customers rate each company's buying process, policy management and claims handling. The best car insurance companies consistently receive high marks for customer satisfaction. Using sources like J.D. Power, the National Association of Insurance Commissioners (NAIC), review forums like Trustpilot, app reviews, agent reviews and social media forums like Reddit will help you find out a company's true reputation.
While most coverage selections are standard, add-on coverages vary widely, and non-standard policy types may be available. For example, if you have a new car, getting a new car replacement may be a good idea. You may also want a pay-per-mile policy if you drive under 7,000 miles, since it's more affordable.
Car insurance companies use different service models, and your preferred interaction style should influence your choice. Independent agents work with multiple insurers and provide personalized guidance. Online-only platforms provide 24/7 digital access and typically lower costs, whereas hybrid models combine online tools with agent support when needed.
The best car insurance companies offer multiple service channels, letting you choose how to buy coverage, manage your policy and file claims based on your preferences.
Finding the right car insurance company requires comparing multiple providers and quotes. Here's how to make your search easier:
So you're not oversold on coverage, and to make finding the best cheap company easier, decide how much car insurance you need. Consider your driving habits, financials and your vehicle's value as core components of your decision and consult an agent for additional support.
Research average auto insurance costs and available discounts to benchmark your savings and identify additional ways to reduce premiums.
Thoroughly investigating what customers are saying on multiple platforms will give you a more balanced view of companies before evaluating costs. Some companies also offer add-ons or an alternative coverage type that may suit you better than a standalone traditional policy.
Do preliminary research online for the cheapest car insurance companies for your driving profile to cut down your list of who to get quotes from. This saves time by focusing on competitively priced options for your profile.
Look into bundling costs with a provider for easier policy management and lower overall pricing. If you're looking for auto and home insurance or another coverage configuration, you can save over 20% on your policies.
Comparing quotes from your top five companies for affordability and service is the easiest way to get the best car insurance. Quotes vary by company so gather quotes through multiple channels.
The best car insurance coverage balances comprehensive financial protection with affordability. The best car insurance coverage is full coverage because it protects your car and damage you cause to others. 100/300/100 full coverage gives you solid protection for most drivers, higher liability limits and additional coverage options offer the best financial security from the best car insurance companies. If you have a low value car worth less than $3,000, the best car insurance coverage is liability-only car because it doesn't make sense to pay extra premiums to get comprehensive and collision protection for your car.
The best car insurance companies offer full coverage policies that typically include:
This coverage meets most state requirements and gives you reasonable protection for many drivers seeking the best car insurance.
For the best financial protection, car insurance companies offer higher liability limits:
Higher limits cost 10% to 30% more than standard coverage but provide better protection against expensive lawsuits and medical bills.
Travelers is MoneyGeek’s top overall pick, ranking first for most drivers except military, seniors and those with very old vehicles. Amica, GEICO and USAA cover the other categories as top options. In any case, comparing multiple providers, doing your research and knowing what coverage you want will get you the best deal overall.
Here are answers to frequently asked questions to help you find the best car insurance company for your needs:
Travelers offers the best car insurance based on affordability, customer experience and coverage options. However, your best option may vary based on your driver profile and location.
According to MoneyGeek's analysis, Amica leads in customer service quality with a score of 5 out of 5. It excels in all customer support areas and offers 24/7 claims processing with human representatives.
Price matters, but look beyond price to evaluate financial stability, claims satisfaction, coverage options and customer service. The best company offers a balance of competitive rates, reliable claims handling and coverage that matches your needs and driving profile.
Regional insurers like Auto-Owners (ranked best in 11 states) often provide more personalized service and competitive local rates. They typically know regional risks and needs better, though they may offer fewer digital tools and specialized coverage options than larger national companies.
MoneyGeek evaluated more than 70 insurance companies nationwide to rank the best car insurance companies. We analyzed national carriers, regional providers and local insurers across all U.S. residential areas.
Our research team combined rate analysis, customer feedback and coverage assessments to create comprehensive rankings. We rank the best car insurance companies at both national and state levels using three key factors.
How we score each provider:
Affordability (60% of total score): We gathered car insurance quotes for different driver types and compared prices across all states. Our main test profile was a 40-year-old man with good credit, a clean driving record and no previous claims. We also collected quotes for young drivers, seniors and drivers with violations to ensure our best car insurance companies rankings work for everyone.
Customer experience (30% of total score): We reviewed what real customers say about each company through Google reviews, J.D. Power ratings, AM Best financial strength scores and forum discussions. We organized this feedback by state to see how companies perform in your area.
Coverage options (10% of total score): We evaluated each provider's range of coverage types and unique policy features to assess the breadth and value of their offerings.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
