Best Car Insurance Companies (October 2025)

Travelers ranks first overall among national carriers with a 4.8 out of 5 score, delivering competitive pricing, strong customer service and solid coverage options across all categories.

The company ranks second nationally for both affordability and customer experience, offering full coverage at an average of $97 per month. Unique add-ons include new car replacement (active for five years vs. the typical one to two years), accident forgiveness and rideshare coverage.

Travelers ranks second overall for affordability, with rates ranging from $46 to $1,084 per month based on age, driving record and coverage level. The company ranks first for full coverage affordability and third for minimum coverage policies.

The table below shows Travelers' rates and affordability ranking compared to the other top five carriers for different driver profiles.

Travelers earns a 4.79 out of 5 customer experience score, ranking second among national insurers. The carrier leads all competitors in multi-platform sentiment analysis with a 4.7 rating across social media, review sites and discussion forums.

Agent service ranks fourth nationally at 4.2 out of 5, reflecting strong in-person and phone support quality.

Travelers offers three coverage options rarely available from national carriers: new car replacement, rideshare coverage and accident forgiveness.

The new car replacement benefit extends for five years after purchase, significantly longer than the typical one-to-two-year window most insurers provide. This coverage replaces your vehicle with a new model if totaled, rather than paying depreciated value.

GEICO ranks second overall with a 4.64 out of 5 score, driven by the lowest rates among all national carriers. Full coverage averages $98 per month and minimum coverage starts at $43 per month—both ranking first nationally for affordability.

The company ranks seventh for customer experience and coverage options, reflecting mixed reviews on claims handling and a limited selection of three add-on coverages.

GEICO offers the lowest rates among national carriers, with monthly premiums ranging from $40 for minimum coverage with a clean record to $574 for high-risk drivers. The company ranks first for minimum coverage affordability and second for full coverage policies.

The table below shows GEICO's rates and ranking compared to other top carriers based on different driver profiles.

GEICO ranks seventh nationally for customer experience with a 4.39 out of 5 score. Agent service earns strong marks at 4.2 out of 5 (tied for fourth nationally), but multi-platform sentiment analysis reveals mixed feedback about claims handling and long call wait times.

The company ranks ninth for customer sentiment across social media, review sites and forums like Reddit.

GEICO offers three add-on coverage options, fewer than the four-option national average. Standard additions include roadside assistance and rental reimbursement.

The third option, mechanical breakdown insurance, covers repair costs for mechanical failures outside of accidents—similar to an extended warranty but at lower cost. Only five national carriers offer this coverage type.

Amica ranks third overall with a 4.62 out of 5 score, leading all national carriers for customer experience with a perfect 5 out of 5 rating. The company ranks fourth for affordability and fifth for coverage options, making it ideal for drivers who prioritize service quality.

Senior drivers benefit most from Amica's combination of strong customer support and competitive rates for that age group.

Amica ranks fourth nationally for affordability, placing fourth for full coverage rates and fifth for minimum coverage policies. Monthly premiums range from $41 for minimum coverage with a clean record to $585 for high-risk drivers.

The table below shows how Amica's rates compare to other top-five carriers based on different driver profiles.

Amica leads all national carriers for customer experience with a perfect 5 out of 5 score. The company earns the highest agent service rating (4.7 out of 5) and ranks first in J.D. Power's Auto Insurance Study for overall customer satisfaction.

Amica is the only major carrier with consistently positive sentiment across social media, review sites and forums like Reddit, reflecting strong satisfaction with both claims handling and policy service.

Amica ranks fifth nationally for coverage variety, offering standard options like rental reimbursement and roadside assistance plus two uncommon add-ons: rideshare insurance and auto glass coverage.

Auto glass coverage pays for windshield and window repairs or replacements without a deductible—available from only two national carriers. Rideshare coverage protects drivers working for services like Uber or Lyft, offered by just five major insurers.

Progressive ranks fourth overall with a 4.4 out of 5 score, earning second place nationally for coverage options and fourth place for customer experience. The company ranks seventh for affordability, with full coverage averaging $128 per month.

Progressive's extensive add-on selection including: diminishing deductible, custom parts coverage and mechanical breakdown insurance.

Monthly rates with Progressive range from $74 to $666 depending on age, driving record and coverage level. The company ranks seventh nationally for affordability overall, placing sixth for full coverage and eighth for minimum coverage policies.

Progressive becomes more competitive for certain profiles, specifically drivers with violations who benefit from the company's accident forgiveness and snapshot discount programs.

Progressive ranks fourth nationally for customer experience with a 4.55 out of 5 score. Agent service earns 4.6 out of 5 (third nationally), and the company receives a 4.3 Google Business rating (fourth nationally).

Multi-platform sentiment analysis shows mixed feedback, with Progressive ranking eighth across social media and forums. Customers like the online buying experience and discount programs while reporting inconsistent claims handling.

Progressive ranks second nationally for coverage variety with eight add-on options, the most extensive selection among top five carriers. Standard options include roadside assistance and rental reimbursement.

Three rare coverages distinguish Progressive: diminishing deductible (reduces your deductible by $50 annually for claim-free years, offered by three national carriers), custom parts coverage (protects aftermarket modifications, available from two national insurers) and mechanical breakdown insurance (covers non-accident repairs, offered by five carriers).

State Farm ranks fifth overall with a 4.38 out of 5 score, placing fifth for both affordability and customer experience and seventh for coverage options. The company excels for young drivers through specialized discount programs like Steer Clear, which reduces rates for drivers under 25.

State Farm operates exclusively through its agent network, offering personalized service without online quoting options. This model appeals to drivers who prefer direct agent relationships for policy management and claims support.

State Farm ranks fifth nationally for affordability overall, placing fifth for full coverage and fourth for minimum coverage policies. Monthly premiums range from $41 for minimum coverage with a clean record to higher rates for comprehensive protection.

Full coverage averages $124 per month. The table below shows State Farm's rates and ranking compared to other top carriers based on different driver profiles.

State Farm ranks fifth nationally for customer experience with a 4.48 out of 5 score. The company operates the largest agent network in the nation, earning strong agent service ratings of 4.5 out of 5 (tied for fourth nationally).

Multi-platform sentiment ranks sixth at 3.9 out of 5, with customers liking agent accessibility but expressing frustration about the agency-only model's limitations for online quote comparisons and claims processing delays.

State Farm ranks seventh nationally for coverage variety, offering three add-on options: roadside assistance, rental reimbursement and rideshare insurance.

Rideshare coverage protects drivers working for Uber, Lyft or similar services, filling the gap between personal auto policies and commercial coverage. This option is available from only five national carriers, making it a distinguishing feature for gig economy workers.