Best Car Insurance Companies


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Key Takeaways

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Travelers is the best car insurance company in the U.S., earning a nearly perfect score of 4.8 out of 5.0 in our comprehensive study.

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Auto-Owners is the best regional car insurance provider, winning 11 out of 51 states and territories nationwide, or in other words, 11 out of 26 states it is available in.

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To find the best and cheapest car insurance for your situation, research plenty of companies and costs for your profile, decide of coverage needs beforehand, and compare a wide array of quotes.

Top 5 Best Car Insurance Companies in the U.S.

The following companies are the best nationally available car insurance companies in the United States:

  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

Below you can review our scores for each company and how well they rank for our three core rating categories nationally.

Travelers4.80224
Geico4.64177
Amica4.62415
Progressive4.40742
State Farm4.38557
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Best Car Insurance by Category

By category, Travelers still comes out on top, winning 8 out of 11 of the categories we studied nationally. However, USAA, Amica and Geico also win each of their own categories within our study. So below, you can review which company is best for the profile that fits you the closest.

MilitaryUSAA116
Young DriversTravelers224
Adult DriversTravelers224
Senior DriversAmica215
Drivers With An AccidentTravelers124
Drivers With A DUITravelers124
Drivers With A Speeding TicketTravelers224
Drivers With Bad CreditTravelers524
Drivers With Low IncomeTravelers324
Drivers With Newer CarsTravelers124
Drivers With Old CarsGeico177

Personalized Best Car Insurance Company Recommendations

Our recommendations above are more general and may not represent your profile as closely as possible. So below we've created a filterable table where you can input your age group, gender, credit score, driving record and desired coverage level to get personalized top companies.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Travelers1524
Chubb2436
National General31127
Amica4815
Nationwide5784

Best Car Insurance Companies By State

At the state level, the top companies are the following when considering regional and local providers:

  1. Travelers: Wins 12 out of 51 states and territories
  2. Auto-Owners: Wins 11 out of 51 states and territories
  3. Progressive: Wins 7 out of 51 states and territories
  4. State Farm: Wins 5 out of 51 states and territories
  5. Geico: Wins 4 out of 51 states and territories
  6. Erie Insurance: Wins 3 out of 51 states and territories
  7. Plymouth Rock Insurance: Wins 2 out of 51 states and territories
  8. Amica, American National, AIG and Central Insurance: Each Win 1 out of 51 states and territories

Below you can review which company is best in your state for car insurance and how they stack up in our three major rating categories.

AlabamaAIG186
AlaskaGeico133
ArizonaTravelers124
ArkansasTravelers226
CaliforniaProgressive232
ColoradoAmerican National1105
ConnecticutGeico146
DelawareTravelers114
District of ColumbiaErie Insurance212
FloridaTravelers114
GeorgiaAuto Owners217
HawaiiGeico145
IdahoState Farm146
IllinoisAuto Owners216
IndianaTravelers325
IowaTravelers125
KansasTravelers225
KentuckyTravelers125
LouisianaProgressive512
MaineTravelers124
MarylandTravelers325
MassachusettsPlymouth Rock Insurance131
MichiganTravelers125
MinnesotaAuto Owners215
MississippiTravelers215
MissouriAuto Owners116
MontanaState Farm125
NebraskaAuto Owners316
NevadaTravelers114
New HampshireAuto Owners616
New JerseyPlymouth Rock Insurance131
New MexicoCentral Insurance231
New YorkProgressive241
North CarolinaProgressive222
North DakotaAuto Owners615
OhioAuto Owners117
OklahomaProgressive112
OregonProgressive122
PennsylvaniaErie Insurance213
Rhode IslandAmica215
South CarolinaAuto Owners315
South DakotaProgressive122
TennesseeAuto Owners116
TexasState Farm136
UtahAuto Owners215
VermontState Farm336
VirginiaTravelers135
WashingtonGeico166
West VirginiaErie Insurance213
WisconsinTravelers235
WyomingState Farm213

Best Car Insurance Company Reviews

To give you more detail into our top companies, below we've created detailed guides to each company, what makes them unique and who they are best for.

Company Image

Travelers

Best For Most Drivers

MoneyGeek Rating
4.8/ of 5
4.9/5Affordability
4.8/5Customer Experience
4.1/5Coverage Options
  • Average Monthly Full Coverage Rate

    $97
  • Average Monthly Minimum Coverage Rate

    $50
  • Agent Service Rating

    4.2/5.0
  • Most Unique Coverage Option

    New Car Replacement
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GEICO

Best Cheap Car Insurance

MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
  • Average Monthly Full Coverage Rate

    $98
  • Average Monthly Minimum Coverage Rate

    $43
  • Agent Service Rating

    4.2/5.0
  • Most Unique Coverage Option

    Mechanical Breakdown Insurance
Company Image

Amica Mutual

Best Customer Experience

MoneyGeek Rating
4.6/ of 5
4.6/5Affordability
5/5Customer Experience
3.9/5Coverage Options
  • Average Monthly Full Coverage Rate

    $117
  • Average Monthly Minimum Coverage Rate

    $57
  • Agent Service Rating

    4.7
  • Most Unique Coverage Option

    Auto-Glass Coverage
Company Image

Progressive

Best Car Insurance Coverage Options

MoneyGeek Rating
4.4/ of 5
4.3/5Affordability
4.5/5Customer Experience
4.9/5Coverage Options
  • Average Monthly Full Coverage Rate

    $128
  • Average Monthly Minimum Coverage Rate

    $68
  • Agent Service Rating

    4.6
  • Most Unique Coverage Option

    Custom Parts Coverage
Company Image

State Farm

Best Discount Programs For Young Drivers

MoneyGeek Rating
4.4/ of 5
4.5/5Affordability
4.5/5Customer Experience
3.3/5Coverage Options
  • Average Monthly Full Coverage Rate

    $124
  • Average Monthly Minimum Coverage Rate

    $53
  • Agent Service Rating

    4.5
  • Most Unique Coverage Option

    Rideshare Coverage

What To Look For in Car Insurance Companies

When looking for the best car insurance company for you, it can be hard to know exactly what to look for, so below we've highlighted the main components of any auto insurance provider you should evaluate.

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    Affordability and Discount Offerings

    Affordability for the car insurance coverage you want and for your particular profile is paramount and should affect your decision making the most. We also recommend researching car insurance discounts that apply closest to you so you can save further.

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    Customer Reputation and Services

    Understand how previous and current customers are responding to a company's buying, policy management, and claims processes. Using sources like J.D. Power, the 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.

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    Coverage Options

    While most selections for coverage are standard, add-on coverages vary widely and non-standard policy types may be available. For example, if you have a new car, getting new car replacement may be a good idea for you. You may also want something like a pay-per-mile policy if you drive under 7,000 miles since it is more affordable.

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    Service Flexibility

    Models for car insurance companies differ widely and the way you interact with companies can drastically change the type of experience you get. Interactions may be with an in-person agency service, independent agents, online service/buying, or even all of the above. So, you should evaluate which ways you prefer to interact with a company and judge providers for car insurance accordingly.

How To Find The Best Car Insurance For You

Sifting through car insurance companies and quotes for the best provider is often time consuming and difficulty. So below, we've created a comprehensive step-by-step guide to getting the best cheap provider for you in the easiest way possible.

  1. 1

    Decide on your coverage needs beforehand

    So you're not oversold on coverage and to make finding the best cheap company easier, you need to decide on 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.

  2. 2

    Research average costs and discounts

    To have a measuring stick on how much you're saving and to know additional ways you can save, it is best to look into average auto insurance costs and discounts available.

  3. 3

    Look into company reputations and coverage options

    Doing a thorough investigation into what customers are saying on multiple platforms will give you a more balanced view of companies before looking into costs. Some companies may also have add-ons or an alternative coverage type that may suit you better than just a standalone traditional policy.

  4. 4

    Find the cheapest car insurance companies for your profile

    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 will allow you to save time and not waste it looking into more expensive than average rates.

  5. 5

    Consider bundling policies

    For easier policy management and lower overall pricing it is also a good idea to look into bundling costs with provider. If you are looking for auto and home insurance or another configuration of coverage you can save over 20% on your policies in total.

  6. 6

    Compare plenty of quotes through multiple means

    Comparing quotes from your top 5 companies for affordability and service is the easiest way to get the best deal. Quotes will also vary widely depending on the method you use whether that be an online comparison site or talking to a captive agent, so it is best to use multiple means of comparing.

Best Auto Insurance Companies: The Bottom Line

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.

Best Car Insurance: FAQ

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

Who has the best auto insurance?

Which car insurance company has the best customer service?

What factors should I consider when choosing the best car insurance company?

Are regional insurance companies better than national ones?

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How We Chose The Best Car Insurance Companies

We evaluated over 70 insurance companies nationwide, including national carriers, regional providers, and local insurers across all U.S. residential areas. Our research combined rate analysis, customer feedback, and coverage assessments to create comprehensive rankings at both national and state levels.

How We Score Each Provider:

Affordability (60% of total score) We obtained quotes for standardized driver profiles and compared rates against competitors within each state. Our base profile uses a 40-year-old male driver with good credit, a clean driving record, no claims history, and a valid license. We also analyzed rates for additional driver profiles to ensure accuracy across different customer segments.

Customer Experience (30% of total score) We aggregated customer sentiment from multiple sources including Google reviews, J.D. Power ratings, AM Best scores, and consumer forums like Reddit. This data was compiled at the state level to reflect regional service quality and customer satisfaction patterns.

Coverage Options (10% of total score) We evaluated each provider's range of coverage types, unique policy features, and included benefits to assess the breadth and value of their offerings.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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