Best Car Insurance Companies

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Best Car Insurance Companies
Auto insurance is more than just a legal necessity for driving in most states. It’s a way to protect your finances in case the worst happens. Our research team vetted 50 car insurance companies that are rated by more than 28,754 customers. Read our guide to choose the best auto insurance for you by comparing coverages, policy options and discounts.
- Our recommendations are based on what reviewers say.
- 4,609,174 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Our top picks for car insurance
To select our picks for the top car insurance companies, we first looked at customer reviews and ratings. We narrowed the 50 companies on this guide down to the 43 with at least 20 verified reviews on our site over the last year. We then excluded those with an overall satisfaction rating of 3 stars or less, leaving 19 companies.
The ConsumerAffairs research team then evaluated these companies based on multiple factors, including coverage options, average premium costs, availability, additional features, rates and discounts. The companies below are highly recommended by existing customers and meet our criteria for coverage options and availability:
- GEICO: Our pick for discounts
- Amica: Our pick for claims satisfaction
- ERIE: Our pick for young drivers
- State Farm: Our pick for customer experience
- Progressive: Our pick for high-risk drivers
- USAA: Our pick for veterans and military members
- Allstate: Our pick for driving rewards
- Average yearly premium for full coverage: $1,325
- Offers discounts: Yes
- Availability: All 50 states

GEICO offers a wide variety of insurance products, including policies for cars, motorcycles, RVs, boats and ATVs. It also has significant discount and savings programs. Bundling your homeowners or renters insurance with auto insurance can lower rates. The same goes for insuring multiple vehicles at once. GEICO’s bundling discount is significant compared to other car insurance companies, with up to 25% savings for multivehicle coverage.
While auto insurance is usually more expensive for drivers younger than 25 or older than 65, GEICO’s student and senior discounts provide some relief if you fall into one of these categories, too.
Its Good Driver program rewards you for being accident-free for five years with potential savings of up to 26%. GEICO also offers discounts for new vehicles, having airbags and having an anti-theft system in your vehicle.
Pros
- Good driver and safety discounts
- Military and senior discounts
- Mechanical breakdown insurance available
Cons
- No safe-driver tracking program
- Local agents may not be available in all areas
GEICO offers at least 16 car insurance discounts, including:
- Safety equipment discounts
- Good driver discounts
- Driver’s education discounts
- Good student discounts
- Military discounts
- Federal employee discounts
- Multivehicle discounts
- Multipolicy discounts
- Senior driver discounts
You can get quotes, understand coverage options and quickly find relevant information on GEICO’s website and mobile app. Its car insurance app also makes paying your bill or filing a claim more convenient.
Bottom line: When it comes to discounts, GEICO is one of the best insurance providers out there. The company’s discounts for teenage drivers, senior drivers, military members and veterans are extensive. While it's not the only company to offer such discounts, GEICO is relatively transparent and upfront about the discounts it offers and what customers can expect to save.
- Average yearly premium for full coverage: $1,318
- Offers discounts: Yes, but not many
- Availability: All states but Hawaii

Amica Mutual Insurance Company offers car insurance, home insurance and life insurance. While its coverage and rates are average, Amica stands out with its straightforward claims process. Customers can file claims through its website or by phone. Amica also offers quality customer service and fast response times.
Pros
- Streamlined online quote tool
- Offers specialty insurance
- Provides payment plan options
Cons
- May deny coverage for high-risk drivers
- Does not offer stacked insurance
While it does not have many options for discounts, Amica does offer:
- Safety equipment discounts
- Multivehicle discounts
- Multipolicy discounts
- Loyalty discounts
- Auto-pay discounts
Bottom line: Overall, Amica doesn’t provide a whole lot of bells and whistles; it has just a variety of coverage options and a smooth claims process. Its website and app are easy to navigate and help with basic functions like paying your bill.
- Average yearly premium for full coverage: $1,207
- Offers discounts: Yes
- Availability: 12 states

Erie Insurance is our pick for young drivers and parents and legal guardians looking to insure someone under 21. Erie offers low rates for new drivers, making it one of the better options for teen drivers and college students looking for affordable car insurance.
Erie offers 12 policy options, including accident forgiveness and ride-share coverage. Additional benefits, such as coverage for personal items in an insured vehicle, locksmith services and pet injury coverage, may also come with your plan.
Unfortunately, Erie is available only in the following areas: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia.
Pros
- Rate-lock option available
- Offers diminishing deductible
- Extensive coverage options
Cons
- Not available nationwide
- Not the best digital experience
Erie Insurance provides a number of ways to save on your car insurance, including:
- Safe driver discounts
- Safety equipment discounts
- Multicar discounts
- Young driver discounts
- Multipolicy discounts
- Reduced-usage discounts
- Annual payment plan discounts
- Rate locks
Bottom line: While not widely available, Erie provides quality auto insurance coverage. Its generous discounts and savings opportunities are especially good if you’re under the age of 21. Likewise, its rate-lock option is worth considering if you’re on a budget and want to keep rates consistent over the long term.
- Average yearly premium for full coverage: $1,422
- Offers discounts: Yes
- Availability: All 50 states

State Farm insures drivers in all 50 states plus the District of Columbia. Along with offering both basic and comprehensive coverages, State Farm also has optional add-ons, including rental car reimbursement and roadside assistance. It covers vintage automobiles and other vehicles, like boats and motorcycles.
State Farm’s standout features are its intuitive online customer interfaces. Its website and mobile app not only provide resources related to insurance but also let you file a claim, pay your bill or receive price quotes.
Pros
- Customizable coverage options
- Broad selection of discounts
- Good for young drivers
- Minimal penalties for accidents
Cons
- Specialized coverage not available
- Ride-share insurance not available everywhere
State Farm also provides several discounts and savings programs, including its:
- Drive Safe and Save program
- Steer Clear driver program
- Vehicle safety discount
- Passive restraint discount
- Accident-free discount
- Good driving discount
- Good student discount
- Multicar discount
You can qualify for its safe driving discount if you take a defensive driving course or have an accident-free driving record for a certain period of time. If you’re a full-time student, State Farm also offers a discount for B grades and higher. This discount remains with you until you graduate or reach the age of 25.
Bottom line: State Farm offers good coverage options and doesn’t harshly penalize drivers for accidents. With its range of discounts, there are multiple ways to save, and State Farm makes being a customer convenient thanks to its helpful online presence.
- Average yearly premium for full coverage: $1,419
- Offers discounts: Yes
- Availability: All 50 states and Canada

Progressive offers auto insurance nationwide, including in the District of Columbia. Depending on the state you live in, different features and add-ons may be available, like accident forgiveness programs.
If you are a high-risk driver, Progressive has options that help you avoid the increased financial pressure that comes with a less-than-great driving record. The company’s Name Your Price Tool lets you stick to a budget and find a coverage plan that meets the minimum requirements of your state.
Customers, including high-risk drivers, can also participate in the Snapshot program, which gives Progressive information about your driving habits to help reduce the cost of insurance over time. This discount program uses a telematics device to track safe driving. Drivers can elect to track their driving and have the information transmitted back to Progressive via plug-in devices or Progressive's mobile app. Enrollees are rewarded with policy discounts for safe driving habits such as staying within the speed limit, maintaining low mileage, and avoiding late-night trips, hard brakes and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.
Pros
- Snapshot program
- Name Your Price Tool
- Numerous discounts available
Cons
- Teen driver policies can be pricey
- Snapshot discount can take a long time to earn
Altogether, Progressive offers a number of ways to save on car insurance, including:
- Multipolicy discounts
- Multicar discounts
- The Snapshot program
- Online and paperless discounts
- Continuous insurance discounts
- Teen driver discounts
- Good student discounts
- Full- and automatic-payment discounts
Bottom line: Progressive is a good option for high-risk drivers who either can’t get coverage elsewhere or don’t want to pay exorbitant rates. The company’s Snapshot program rewards you for safe driving. While you may pay more for teen drivers with Progressive, the company can offer significant savings to drivers over 25.
- Average yearly premium for full coverage: $1,252
- Offers discounts: Yes
- Availability: All 50 states and some international locations

While USAA is available in all 50 states, the District of Columbia and some international locations, it only works with military personnel, veterans and current USAA members’ children. That said, military members and veterans are able to receive exclusive discounts from USAA, including a discount for military families and steep discounts for those who live on a base or are deployed overseas.
Like most auto insurance providers, USAA offers typical coverage plans, including bodily injury liability, collision and comprehensive coverage. Accident forgiveness, towing service, roadside assistance and coverage for ride-share drivers are also available.
USAA’s claims process is completely digital and available through its website or mobile app. Claims adjusters can also give updates via text or email, making the entire process more convenient.
Pros
- Digitized claims process
- Numerous discounts
- Offers accident forgiveness
Cons
- Not available to everyone
- No guarantee for renewal
USAA offers several car insurance discounts that can help you save, including:
- Family discounts
- Vehicle storage discounts
- Bundling discounts
- Safe driver discounts
- Defensive driving discounts
- Good student discounts
- Multivehicle discounts
Bottom line: If you are a current military member, veteran or the child of a current USAA member, this company is worth considering. Additionally, there are many discounts exclusive to military members. USAA’s website and mobile app are easy to use and provide additional resources specific to military members and their families.
- Average yearly premium for full coverage: $1,920
- Offers discounts: Yes
- Availability: All 50 states

Allstate offers auto insurance for customers nationwide. It has some typical auto insurance coverage options, along with benefits like accident forgiveness, a safe-driving bonus every six months and new car replacement. Allstate’s roadside assistance comes in three different options: as an add-on to the policy, as a pay-per-use option and as part of the Motor Club, which is a subscription model. However, additional features may depend on the state you live in. Allstate offers a claim satisfaction guarantee for free with standard policies, though, and ride-share insurance is available.
Allstate also offers features like its Drivewise app, through which it can monitor your driving behavior and reward good behavior with cash-back perks. Likewise, Allstate’s Milewise insurance could save you money if you drive infrequently by setting a daily rate and a per-mile rate.
Pros
- Can bundle policies
- Offers protection for certain customized care features
Cons
- Claims process is not the best
- Can be expensive
While its premiums are on the expensive side, Allstate compensates with rewards for good driving and various discounts, including:
- New car discounts
- Bundling discounts
- Good student discounts
- Safety equipment discounts
- Early signing discounts
- Automatic payment discounts
- Going paperless discounts
- Upfront payment discounts
- Safe driver discounts
Bottom line: While Allstate’s prices may be more expensive, you can get some good discounts and savings that offset these initial prices. Its intuitive mobile app offers the ability to manage your policy, activate rewards and pay your bill, too.
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Car insurance company information

This company is a motorist membership organization that offers auto insurance and other services. You don’t need to be a member to purchase coverage, but members do receive special discounts. The company has an A+ rating from AM Best for financial strength.

AARP, the nonprofit organization devoted to senior living, partners with The Hartford to offer auto insurance to its members. Many seniors’ reviews of this company point out the benefit of working with a company focused on their demographic. AM Best gives an A+ rating for financial security.

This company’s accident forgiveness means rates don’t go up after one accident, no matter who’s at fault. Customers also have options when it comes to limits and deductibles. The company’s Milewise program offers coverage based on mileage driven per day and is a good option for those who don’t drive as much.

This auto insurance company is fairly new but has a reputation for affordable car insurance. The company has an A+ rating for financial strength from AM Best. Customers enjoy several free benefits with every policy, including lock replacement, air bag repair and depreciation protection. Auto insurance is already priced affordably, but customers still can qualify for several discounts.

This auto insurance marketplace has auto insurance policies available for 43 states. After a quick survey, this website automates the tedious process of price comparison and finds affordable car insurance plans for users.

In addition to cars, this company offers insurance for vans, RVs and motorcycles. The company has an A rating from AM Best for financial strength. It’s important to note the company only offers auto insurance policies directly in Arizona, Idaho, Iowa, Kansas, Minnesota, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Utah, Wisconsin and Wyoming.

This insurance company has 24/7 customer service. Its ride-share insurance fills the gaps that regular auto policies don’t cover, and an app called Signal monitors driving behavior and helps customers qualify for discounts.

This company is one of the nation’s second largest auto insurers. It stores user information for 90 days, so prospective customers who want to think on their quote for a while can come back and pick up where they left off. Customer service is available 24/7. The company also insures motorcycles and recreational vehicles.

This insurance company has a unique deductible-reducing policy and also offers auto insurance specifically designed for teachers. The company’s RightTrack program monitors driving and qualifies customers for additional discounts.

This insurance company sells both auto and home insurance that can be bundled together. The auto insurance is bare-bones and a good choice for those seeking basic, affordable coverage. This company offers coverage in Arizona, California, Florida, Georgia, Illinois, New Jersey, Nevada, New York, Oklahoma, Texas and Virginia.

This company sells homeowners, life and other types of insurance, in addition to auto insurance. It has a 24/7 claims center. Insurance is available for all types of vehicles, including classic cars. Safe drivers receive discounts for good driving behavior tracked through an app.

This insurance company provides good options for drivers perceived as being higher risk for coverage, including young drivers and those with poor driving histories. The annual cost for a 21-year-old male who has had an accident is about $4,000 a year. This may be expensive, but other companies can charge nearly $6,000 a year.

This company, in addition to auto insurance, offers property, personal and commercial insurance products. Customers can bundle these plans with their auto insurance. The company’s Loyalty Rewards Program gives customers points for loyalty and offers benefits like accident forgiveness. Features include 24/7 customer service and plenty of discounts.

This insurance company offers customers — current and potential — tons of helpful educational resources via its website, including helpful tips for purchasing the right car and equipment for the lowest insurance prices possible. A bevy of discounts allows customers to save on their premiums.

This company specializes in insuring collectible automobiles but offers coverage for regular-use automobiles as well. It is a division of Philadelphia Insurance Companies, which has a financial strength rating of A++ from AM Best. This is the highest possible rating.

This company offers auto insurance and other insurance options for active-duty, retired and honorably discharged military personnel and their eligible family members. The company sets up flexible payments at no charge. Customers get discounts for storing vehicles at a military base.

Chubb has insurance options for regular vehicles, classic motorcycles, classic cars, vintage trucks, vintage military vehicles and antique tractors. The company also offers home insurance policies.

This auto insurance company specializes in insurance for classic cars. It also sells boat insurance. Individuals with negative driving histories are not eligible for the company’s auto insurance plans.

This company is an independent agency that customizes quotes from a large network of providers to find the best choice for the individual customer. The company has 35,000 independent agents and coverage in 26 states. Its financial strength rating from AM Best is A++.

This auto insurance company writes policies in 12 states and Washington, D.C. The company also offers homeowners insurance. Bundling this with auto insurance means lower premiums on both. The company’s Auto Plus package includes benefits like rental car coverage, vanishing deductibles and death benefits.

Grange offers auto, business, home and life insurance. It has an AM Best rating of A for financial strength. The company has insurance options in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin.

The company has an A++ rating for financial strength from AM Best. This is the highest possible rating. The company writes insurance policies in New Jersey and Pennsylvania. Consumers can turn to the company to find coverage for personal vehicles, business fleets and motorcycles.

The company has a rating of A- for financial strength from AM Best. Its auto insurance is available in Connecticut, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania. The company also offers home insurance, condo insurance, renters insurance and umbrella insurance. These are available for bundling discounts.

This is a Liberty Mutual Company that provides a broad range of insurance products for vehicle and property owners. While the company has a national presence, it also employs local agents who provide services in specific states.

This insurance company offers car insurance policies in the Midwestern and southern United States. It has more than 1,300 licensed agents. Policies are available in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, and Tennessee.