Updated: October 21, 2025
Advertising & Editorial Disclosure
Travelers ranks as the best car insurance company in the U.S. with a 4.8 out of 5 score based on affordability, customer experience and coverage options. See our analysis of the best car insurance company by driver profile to find the best option for you.
GEICO offers the best rates overall, with full coverage averaging $98 per month and minimum coverage starting at $43 per month.
Auto-Owners leads regional providers, ranking first in 11 of the 26 states where it operates.
Travelers, GEICO, Amica, Progressive and State Farm rank as the best national car insurance providers based on affordability, customer satisfaction and coverage breadth.
Each company earns rankings across our three core categories: affordability, customer experience and coverage options.
| 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 |
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.
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
Agent Service Rating
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
Agent Service Rating
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.
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:
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).
| 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 |
State-level rankings include regional carriers not available nationwide, changing the competitive landscape from national comparisons.
State Winners:
Find the top-rated carrier for your state in the table below, which includes affordability, customer experience and coverage rankings for each state winner.
| 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.
Request quotes from at least three carriers since rates can differ by 50% or more for identical coverage. The cheapest option depends on your age, driving record, credit score and location. Research available discounts like good driver, multi-policy bundling, defensive driving courses and vehicle safety features to reduce premiums further.
Review carrier performance across multiple sources including J.D. Power ratings, NAIC complaint data, Google Business reviews, Trustpilot scores and social media sentiment. Companies with strong agent networks typically offer more personalized support, while online-only platforms provide 24/7 digital access at lower costs.
Determine which add-on coverages matter for your situation. New car owners benefit from new car replacement coverage. High-mileage commuters should consider roadside assistance. Rideshare drivers need specific rideshare insurance. Compare which carriers offer the protections you need beyond standard liability and collision.
Choose between independent agents (work with multiple insurers, provide personalized guidance), online-only platforms (24/7 digital access, typically lower costs) or hybrid models (combine online tools with agent support). The best carrier matches your preferred interaction style for quotes, policy management and claims filing.
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:
Travelers ranks best for young drivers under 25, offering competitive rates and strong customer service for this age group. State Farm also performs well through its Steer Clear discount program for drivers under 25 who complete safe driving courses.
Amica is best for senior drivers over 65 with a perfect 5 out of 5 customer experience rating and increasingly competitive rates as drivers age. The company ranks second nationally for senior driver affordability. See our guide to the cheapest car insurance for seniors.
Three national carriers offer new car replacement: Travelers, Progressive and Liberty Mutual. Travelers provides the longest coverage window at five years compared to the typical one to two years competitors offer.
Five national carriers offer rideshare coverage: Travelers, Amica, Progressive, State Farm and Allstate. This coverage protects Uber and Lyft drivers during logged-in periods while waiting for ride requests.
Regional insurers often beat national carriers at the state level through competitive local pricing and highly-rated customer service. Auto-Owners ranks first in 46% of states where it operates. Regional carriers typically offer fewer digital tools and the buying process can be longer.
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.
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.
