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Find the Best Car Insurance Companies

Auto insurance is a legal necessity that provides financial protection for you and your vehicle. Use our guide to discover the best auto insurance company for you. We look at the different types of coverage, typical costs and how to choose a policy that makes sense for your budget.

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by Matthew Brodsky Insurance Contributing Editor

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EverQuote Insurance Services

Insurance marketplace with a free online comparison tool for auto, home, renters, life and health insurance quotes. Enter your parameters and get quotes from multiple providers in minutes.

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Read 1,034 Reviews

Esurance is an online auto, motorcycle, homeowners and renters insurance company that is backed by AllState. Its online portal allows customers to easily file claims or change their policy. The company offers free online quotes.

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Farmers Auto Insurance
Read 515 Reviews

In 1959, Farmers Insurance received thanks for quickly replacing a customer's stolen car battery. Today, it serves over 10 million households throughout the U.S., offering coverage against accidents as well as repair services.

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Mercury Auto Insurance
Read 402 Reviews

Mercury Insurance has been offering a variety of insurances to drivers and homeowners since 1962. They offer users the chance to sit down one-on-one with an agent so that they can get the best insurance for their needs.

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Grange Auto Insurance
Read 83 Reviews

Grange Auto Insurance focuses on customized coverage options through personal interaction with the client. They leverage their 80 years of expertise toward finding the perfect match for each new customer.

Nationwide Insurance - Auto
Read 1,051 Reviews

Nationwide first came onto the insurance scene in 1925. Its early funding came from nine farm bureaus, and it continues to receive agricultural support today. It has grown from a local to national company in the last 100 years.

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AARP/Hartford Auto Insurance
Read 579 Reviews

Auto insurance coverage for drivers ages 50 and up. Coverage available only to members. Distinct offerings for senior clientele. Policy bundling options. Member-specific discounts.

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The General Auto Insurance
Read 545 Reviews

The General specializes in providing insurance coverage for high risk drivers, including those who need an SR-22 following a DUI. It is a subsidiary of PCG Holdings, which has been underwriting insurance for 50 years.

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MetLife Auto
Read 385 Reviews

MetLife is best known as the insurance company that uses "Peanuts" characters in its marketing campaigns. It offers auto, home and health insurance; automobile owners can choose from a variety of plans to meet their needs.

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Liberty Mutual - Auto
Read 1,434 Reviews

Liberty Mutual is one of the oldest insurers in the U.S. Today, it is the third largest publicly held U.S. insurance company. They offer a variety of comprehensive insurance packages, including auto and homeowners insurance.

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Our 3 favorite auto insurance companies

To select our top three picks, we compared cost, coverage, features and customer feedback of the top car insurance brands. Our top three are all highly-reviewed companies with a long history in the industry and a variety of discount programs in place to save customers money.

Our pick for special discounts


  • Good driver and safe vehicle discounts
  • Military and senior discounts
  • Mechanical breakdown insurance available


  • No safe driver tracking program
  • Local agents may not be available in all areas

Geico is known for good coverage at a reasonable rate. Their discount programs are vast and can add. For example, their Good Driver program rewards policyholders who are five years accident-free with potential savings of up to 26%. Their bundling discount is also among the highest we’ve seen, with up to 25% savings for multi-vehicle coverage.

Geico car insurance discounts:

  • Vehicle equipment
  • Good driver
  • Driver’s education
  • Good student
  • Military and emergency deployment
  • Federal employee
  • Membership and employee discounts
  • Multi-vehicle/multi-policy
  • Senior driver

If you’re outside the ages of 25 and 65, you may see your insurance rates climb. Geico’s student and senior discounts provide relief for these policyholders and frequently come in below the competition for these age brackets. The Geico car insurance app makes paying your bill and filing a claim straightforward and easy.

Bottom line: When it comes to discounts, Geico is one of the best insurance providers out there. We’re fond of their teen, senior and military discounts. While they’re not the only company to offer these discounts, they’re very transparent about their discount rates and what you can expect to save — which is what we love to see.

Our pick for roadside program


  • Great emergency roadside program
  • Membership discounts
  • Local agents available


  • Membership fees can be pricey
  • Limited safe vehicle and safe driver discounts

AAA is perhaps best known for its roadside assistance membership program. Membership comes with certain perks, like travel discounts and 24/7 emergency roadside assistance for things like battery replacement, flat tires, or tow away service. As a member, you can also purchase insurance policies from AAA. AAA’s auto insurance covers cars, motorcycles, boats and RVs, and you have the option to bundle your insurance with other policies like property and life insurance for a discounted rate.

AAA car insurance discounts:

  • AAA Member
  • Multi-policy
  • New car
  • Advanced shopping
  • Passive restraint
  • Loyalty
  • Good student/distant student
  • Theft recovery device
  • Defensive driving
  • Hybrid/alternative fuel
  • SMART driver

However, their online quote process is not instant; instead, you’ll fill out your personal information, your vehicle and the coverage you want. This information will be routed to a local AAA insurance agent to follow-up within one business day. Not every major insurance company operates with local agents, and many would rate this more personal touch as a plus in AAA’s column.

Bottom line: AAA has an excellent roadside assistance program, and members can receive a whole host of benefits for signing up. While their insurance can be pricier than some competitors, membership discounts may offset this cost for some customers.

Our pick for safe drivers


  • Snapshot safe driving telematics program
  • Name Your Price tool
  • Numerous discounts available


  • Teen driver policies can be pricey
  • Telematics discount can take a long time to apply

Progressive has a few notable features worth highlighting — chief among them is their Snapshot safe driving program. Snapshot is a discount program that uses a telematics device, which is a $5 word that essentially means transmission. Via a plug-in device or Progressive's mobile app, drivers can elect to track their driving and have the information transmitted back to Progressive to analyze. You will be rewarded with policy discounts for safe driving habits, like staying within the speed limit, maintaining low mileage, avoiding late-night trips, hard breaks and phone usage. Progressive advertises an average discount of $145 for those who complete the program, which typically takes around six months.

Progressive car insurance discounts:

  • Multi-policy
  • Multi-car
  • Snapshot
  • Homeowner
  • Online and paperless discounts
  • Continuous insurance
  • Teen driver
  • Good student
  • Full and automatic payment discounts

Progressive is also home to the Name Your Price tool, which lets users specify what they’re able to pay for car insurance and be matched with a policy that fits their budget. Among other benefits, Progressive also offers small and large accident forgiveness programs.

Bottom line: Progressive’s Snapshot program makes it a great choice for safe drivers. The name your own price tool alongside various discount programs also make progressive an attractive option for the budget conscious. While you may pay more for teen drivers, Progressive can offer big savings to drivers over 25.

Types of car insurance coverage

Liability insurance

Liability insurance covers you if you’re in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and their passengers. Most states require at least a minimum amount of liability insurance, but it’s a good idea to purchase extra protection if you can afford it.

Collision coverage

If you are involved in an accident, collision coverage pays for the repairs to your car whether or not you’re at fault. If your car is “a total loss,” good collision coverage will pay for the value of your car. If you drive an older car that isn’t worth much money, it may not be worth it to pay for collision insurance.

Comprehensive coverage

Comprehensive coverage handles things that happen to your car outside of collisions, such as weather damage, theft and other factors. It’s a good idea to opt for comprehensive coverage if you can afford it, but it can get costly and might not be worth it for older, or otherwise inexpensive cars.  

Personal injury protection

Personal injury protection is imperative for all drivers. Medical bills following an accident can be devastating. Good personal injury coverage will cover medical expenses for you and your passengers, as well as missed work expenses.

Uninsured motorist protection

About one in six drivers is uninsured, even though this is illegal in most states. Uninsured motorist protection offers payment when you are in a collision with another driver who is at fault and does not have insurance, or after a hit-and-run. It can be relatively inexpensive to add uninsured motorist protection to an insurance policy.

Rental car coverage

Check your policy for rental reimbursement. It doesn’t usually add too much to your monthly bill and can be a lifesaver if your car has to undergo major repairs in the shop as a result of an accident.

Gap insurance 

For new cars, gap insurance covers the difference between what you owe and what the car is worth. Gap insurance generally comes into play for totaled or stolen cars.

Stacked coverage

If you insure more than one vehicle, you may be able to stack your uninsured/underinsured motorist coverage. For example, let’s say you cover two vehicles on the same policy and each vehicle has a standard $25,000 in uninsured motorist protection. If you have stacked coverage and sustain injuries in a crash caused by an uninsured driver, you’ll be able to draw from both payouts for a combined total of $50,000 in coverage.

Pet injury coverage

Pet injury insurance will help cover vet bills in the event your pet is injured in an automobile accident. Pet coverage is sometimes included as a part of collision insurance.

New car replacement

Exactly as it sounds, new car replacement insurance pays for the cost of a new car of the same make and model of your insured vehicle in the event your car is totaled or stolen. New car insurance won’t be available for every vehicle, and generally must be purchased in addition to a full coverage policy, so it will be pricey.

Car insurance questions

What is car insurance?
Car insurance is protection for damage and injury resulting from accidents and collisions on the road. Having car insurance protects you against liability costs associated with at-fault vehicle accidents.
How does car insurance work?
You pay a monthly or yearly fee in exchange for protection against the costs associated with vehicle damage or bodily injury resulting from a collision and certain other circumstances. If your car sustains damage in an accident, you will file a claim with your car insurance company, and they will pay you the amount specified in your policy minus your deductible. If you’re determined to be at-fault in an accident, your premium may go up.

Terms to know

  • Claim: A claim is a request for a payout on an insurance policy. You will submit a claim in the event of a collision or other covered damage. Most car insurance companies have an online claims portal to make submitting a claim quick and easy.
  • Deductible: A car insurance deductible is the amount of money you will be required to pay out of pocket to cover a claim. Let’s say a car rear-ends you in traffic, scratching your paint, damaging your bumper and breaking one of your tail lights. The total cost of repairs is $2,500 and your deductible is $500. You will pay the $500 and your insurance will pay out the remaining $2,000 to cover the cost of the repairs. Electing for a higher deductible is one-way drivers can secure cheaper car insurance.
  • Policy: An insurance policy is a document that outlines the terms and conditions of your insurance coverage.
  • Policyholder: The named party on the insurance policy. For example, if you’re a teenager, your mother might be the policyholder on your insurance.
  • Premium: An insurance premium is the total amount you pay for car insurance policy each year. Premiums are often broken down into monthly payments.
Is it illegal to not have car insurance?
Yes. It is now illegal in all 50 states not to have car insurance. You are required to have insurance for any car on the road. Minimum required insurance, and penalties for not being insured varies from state to state.
How much car insurance do I need?
Generally, you will be required to have at least liability insurance. Liability insurance will pay out when you’re at-fault in an accident and covers vehicle repairs, property damage or the medical costs of anyone injured during the accident.

Liability insurance is usually presented as three numbers, which represent your coverage limits. For example, a 100/300/50 liability policy would cover up to $100k for bodily injury per person, $300k for bodily injury per accident and $50k for property damage per accident.

Coverage beyond liability is up to you, if you have a newer or pricier car, you may want to opt for total protection with collision and comprehensive coverage. If your car is being financed, the lien holder may require coverage beyond liability as well.

What does my car insurance cover?
The amount of coverage required by law varies from state to state. If you’re a cautious person, you might opt for a more expensive policy with better coverage. If you have a lot of assets, experts recommend that you get enough liability coverage to protect them; otherwise, the other party involved in an accident could sue and attempt to collect on those assets.

Carefully examine your auto insurance policy to understand exactly what’s covered and excluded, and work with your agent and insurance company to make the right adjustments to suit your unique situation.

  • Limits: Pay attention to the limits and deductibles set by the insurance policy. In some cases, there will be a maximum payout, which may not be as high as you’re looking for. Or in others, the deductible could be higher than you’re willing to pay out of pocket in the event of a claim.
  • Exclusions: Sometimes, insurance policies will have exclusions, and if you don’t read your policy carefully, you could end up paying out of pocket for an accident or repair that you thought would be covered. Some common exclusions are damage caused by an uninsured driver, car theft and damage from natural disasters.
How long do insurance claims take?
Car insurance claims can take as little as a few days to as long as a month to process depending on the type of claim. Total loss claims may take longer to process than a simple claim like a broken tail light or dented bumper.
Who has the cheapest car insurance?
When choosing a car insurance provider, it’s important to shop around for coverage that fits your budget and lifestyle. Multiple factors affect how much you pay for car insurance:
  • Your driving record
  • Your credit score
  • Type of car you drive
  • Type of coverage you want

Don’t be afraid to get quotes from multiple providers and compare benefits. You can also read company reviews to find out about other customers’ experiences.

Not sure how to choose?

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    Car insurance company reviews

    AAA Auto Insurance

    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.

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    AARP/Hartford Auto Insurance

    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.

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    Allstate Auto Insurance

    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.

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    Amica Auto Insurance

    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.

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    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.

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    Farm Bureau Auto Insurance

    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.

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    Farmers Auto Insurance

    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.

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    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.

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    Liberty Mutual - Auto

    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.

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    Mercury Auto Insurance

    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.

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    Nationwide Insurance - Auto

    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.

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    The General Auto Insurance

    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.

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    Progressive Auto Insurance

    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.

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    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.

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    State Farm Auto Insurance

    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.

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    USAA Auto Insurance

    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.

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    Chubb Auto Insurance

    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.

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    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.

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    Auto Owners Insurance

    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++.

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    Erie Auto Insurance

    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.

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    Grange Auto Insurance

    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.

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    NJM Auto Insurance

    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.

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    Plymouth Rock Auto Insurance

    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.

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    SAFECO Auto Insurance

    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.

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    Shelter Auto Insurance

    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.

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    Compare Top Car Insurance Companies

    USAA Auto Insurance
    Read 1,999 Reviews

    USAA offers insurance to veterans and current military personnel. It has been in business since 1922 and strives to give military personnel and families coverage to meet their special needs, including auto insurance coverage.

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    State Farm Auto Insurance
    Read 3,707 Reviews

    State Farm is the biggest auto insurer in the U.S. and is a top 50 Fortune 500 company. It was founded in 1922 by a farmer, and for nearly a century has tried to bring a sense of neighborliness into the insurance business.

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    Travelers Auto Insurance
    Read 356 Reviews

    Travelers Insurance has been in business for over 150 years. In 2009, it founded a political advocacy group to get the fairest coverage laws for American drivers in addition to its auto insurance options for various drivers.

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    Dairyland auto
    Read 233 Reviews

    Based in Wisconsin, Dairlyand Insurance sells auto and motorcycle insurance nationwide. They offer immediate coverage for all types of drivers, including SR-22 insurance, non-owner insurance and insurance for teen drivers.

    Progressive Auto Insurance
    Read 4,244 Reviews

    Progressive has been providing consumers with auto insurance since 1937 and is known for its insurance rate comparison tool. This company offers several types of auto insurance, and focuses only on this type of insurance.

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    Allstate Auto Insurance
    Read 2,088 Reviews

    AllState became a publicly held insurance company in 1993, though it's been around since the 1930s. It is dedicated to hiring women and minorities in addition to providing appropriate insurance for people from all walks of life.

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    AAA Auto Insurance
    Read 1,178 Reviews

    Automobile insurance coverage for AAA members. Available nationwide through regional branches. Insurance bundle options. Offers standard coverage as well as several add-on options.

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    Read 4,493 Reviews

    When people think of GEICO, they think of their mascot. However, it's also an insurance company that offers comprehensive insurance at relatively low prices. GEICO offers a variety of insurance in addition to auto insurance.

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    Amica Auto Insurance
    Read 277 Reviews

    Amica specializes in providing insurance for people with good driving records. It offers a variety of discounts based on driving record and works directly with customers rather than having them to go through an agent or broker.

    Erie Auto Insurance
    Read 179 Reviews

    Erie Auto Insurance offers more than just auto accident protection; they also have home and life policies along with some great package deals. Customers can receive a quote quickly and easily on their website.

    SAFECO Auto Insurance
    Read 173 Reviews

    SAFECO Auto Insurance, in business since 1923, offers car insurance policies that meet the needs of people with diverse incomes and coverage needs. The company offers support services through its website and toll-free number.

    Shelter Auto Insurance
    Read 39 Reviews

    As one of the largest regional auto insurance providers in the U.S., Shelter Auto Insurance offers a range of both commercial and consumer policies. They cover all types of vehicles, from golf carts to cars.

    NJM Auto Insurance
    Read 50 Reviews

    Since 1913, New Jersey Manufacturers Insurance Company has been protecting clients from financial liabilities. The company carefully underwrites each policy to safeguard consumers while working to control costs.

    Plymouth Rock Auto Insurance
    Read 57 Reviews

    Plymouth Rock Assurance was founded on the principles of putting its customers first. With sharp focus on customer satisfaction, Plymouth Rock helps people in the northeast United States find the right policy to fit their lives.

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    Auto Owners Insurance
    Read 126 Reviews

    Coverage provider for auto, home, life and business insurance in 26 states. Some perks and discounts available. Limited online support. Sales and support through independent local agents.

    Read 6 Reviews

    Founded in 1984 and headquartered in Michigan, Hagerty started as a small family owned insurance company for boats. They now offer a wide variety of classic cars, boats, trucks, motorcycles and motorsports insurance.

    Hartford - Auto
    Read 286 Reviews

    The Hartford has offered insurance for over 200 years and was one of the first companies to offer auto insurance. They offer special insurance packages to assist seniors who can still drive in remaining as independent as possible.

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    Farm Bureau Auto Insurance
    Read 325 Reviews

    The Farm Bureau is a national organization dedicated to political and other advocacy for farmers. Its insurance policies take the agricultural sector's needs into account, covering vehicles used on the farm and automobiles.

    American Family Insurance - Auto
    Read 358 Reviews

    Mid-level auto insurer. Mobile app assesses driving habits. Policyholders deemed safe drivers can get up to 20% in discounts. Offers a program to help you find repair shops. Diminishing deductible plans available.

    Chubb Auto Insurance
    Read 14 Reviews

    Chubb started as a small marine underwriting business in 1882. Since their beginning they have expanded and now they ensure everything from homes to collectable cars. They are a global company that is found in 28 countries.

    Wawanesa Auto Insurance
    Read 174 Reviews

    Founded in 1896 in Wawanesa, Manitoba, Canada, Wawanesa insurance is one of Canada’s largest insurers. Consumers can buy their insurance products through an independent insurance broker or, in Quebec, a company agent.

    Hanover Auto Insurance
    Read 59 Reviews

    The Hanover Insurance Group, Inc., is a holding company for multiple insurance companies. Their auto insurance can be customized, and consumers can buy their auto insurance through an independent insurance agent.

    AIG Auto Insurance
    Read 101 Reviews

    Sells high-end auto insurance. Offers coverage for several vehicles in a single policy. Insures nearly half of all Fortune 400 individuals. Lacks more inexpensive policies for average drivers. Coverage available worldwide.

    Kemper - Auto
    Read 185 Reviews

    Kemper Corporation offers consumers a variety of insurance products nationwide. They offer discounts on auto insurance along with unique features, including pet protection, enhanced car seat replacement and dependent protection.

    21st Century Insurance
    Read 238 Reviews

    21st Century has been providing drivers with coverage since 1958. It is a member of the Farmers Insurance Group, which currently provides over 20,000,000 policies to individuals in all 50 states.

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    Fiesta Auto Insurance
    Read 24 Reviews

    Founded in 1999, Fiesta Auto Insurance Center has locations around the country and work with over 40 top insurance carriers. They have Spanish fluency for consumers who speak Spanish, and consumers can request a free quote online.

    Alfa Auto Insurance
    Read 174 Reviews

    The Assisted Living Federation of America advocates for better living conditions for senior citizens that preserve as much independence as possible. It offers auto insurance to members as a benefit for supporting its mission.

    Safe Auto Insurance
    Read 150 Reviews

    Safe Auto offers affordable insurance options to high-risk drivers, including those who have to carry SR22 or other court-mandated insurance in order to retain their licenses. It serves all 50 states from its Ohio headquarters.

    Mendota Auto Insurance
    Read 97 Reviews

    Mendota offers specialty auto insurance throughout the United States. Both brokers and consumers sign up with this service online so that they can find each other. Mendota helps match consumers with agents that meet their needs.

    Cost-U-Less Insurance
    Read 46 Reviews

    Offers several insurance plans for various vehicles. Free insurance quotes online. High-risk plans and free roadside assistance available. Collision and comprehensive policy options.

    Bristol West Insurance
    Read 246 Reviews

    Provides flexible payment options for high-risk drivers and those with poor credit or no insurance history. 24/7 policy access with comprehensive coverage and liability insurance available.

    Freeway Auto Insurance
    Read 154 Reviews

    Freeway Insurance belongs to Confie Seguros, the largest private insurance company in the U.S. It offers affordable auto insurance plans, including high-risk insurance, to help every consumer be able to afford auto insurance.

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    Read 50 Reviews

    NetQuote is an online insurance shopping service that offers rate comparisons and the ability to sign up for auto insurance. It has been offering rate comparison services and access to top insurance companies since the 1980s.

    Automobile Club of Southern California
    Read 93 Reviews

    The Automobile Club of Southern California is the California branch AAA. It offers specific insurance benefits to consumers living in California, allowing these customers to get coverage for needs unique to the area.

    Fred Loya
    Read 252 Reviews

    Fred Loya considers itself a leader in low-cost insurance. It offers insurance across the Southwestern and Southeastern United States, with over 525 office locations that consumers can contact or visit.

    American Access Casualty
    Read 200 Reviews

    Provides nonstandard auto insurance for high-risk drivers. Same-day coverage available. Specializes in services for Hispanic individuals. Accepts international driver’s licenses. Spanish-speaking agents available.

    American Freedom Insurance
    Read 37 Reviews

    Auto insurance for most drivers, including those who are nonlicensed and those with Mexican licenses. Low installment and down payment options. Meets minimum requirements in Illinois, Indiana, Pennsylvania and Tennessee.

    Grundy Read Reviews

    Grundy has been in the auto insurance industry since its inception in 1947. The company is widely known for specializing in collectible car insurance and invented the Agreed Value Insurance policy.


    Provides quotes from top insurance providers. Compare pros and cons, plan specifics and ratings from multiple companies. Shows auto, home, renters, life and health insurance policies. Free to use.


    Compares insurance options. Has a search engine for insurance rates across the United States. Simplifies shopping for insurance. Has several types of policies available. Receive quotes from multiple companies in minutes.

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    by Matthew Brodsky Insurance Contributing Editor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.