Updated: August 7, 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 cheapest 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 |
Travelers still comes out on top by category, winning eight out of 11 of the categories we studied nationally. However, USAA, Amica and GEICO also win each of their categories in our study. Below, you can review which company is best for the profile that fits you 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 |
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 |
| 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 | 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 | 1 | 3 | 1 |
| New Mexico | Central | 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 | 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 |
| Washington, D.C. | Erie | 2 | 1 | 2 |
| West Virginia | Erie | 2 | 1 | 3 |
| Wisconsin | Travelers | 2 | 3 | 5 |
| Wyoming | State Farm | 2 | 1 | 3 |
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
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
When looking for the best car insurance company, it can be hard to know exactly what to look for, so we've highlighted the main components of any auto insurance provider to evaluate.
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.
Understand how previous and current customers respond to a company's buying, policy management and claims processes. 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.
Models for car insurance companies differ widely, and how 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 or buying, or all of the above. Evaluate which ways you prefer to interact with a company and judge providers for car insurance accordingly.
Sifting through car insurance companies and quotes for the best cheap provider is often time-consuming and challenging. Want to find great car insurance without the headache? Here's how.
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.
To have a measuring stick on how much you're saving and to know additional ways you can save, it's best to look into average auto insurance costs and discounts.
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 will allow you to save time and not waste it looking into more expensive than average rates.
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 deal. Quotes will also vary widely depending on your method, whether a comparison site or talking to a captive agent, so use multiple means of comparison.
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.
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 gathered car insurance quotes for different types of drivers and compared prices across all states. Our main test driver was a 40-year-old man with good credit, a clean driving record and no previous claims. We also got quotes for other driver types — like young drivers, seniors and those with violations — to ensure our findings work for everyone.
Customer experience (30% of total score): We looked at what real customers say about each company by checking Google reviews, J.D. Power ratings, AM Best financial strength scores and discussions on forums like Reddit. 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, and benefits 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.
