Best Car Insurance Companies (August 2026)
Travelers is the best car insurance company, with a customer satisfaction score of 4.6 out of 5, based on 1,762 verified user reviews.
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4.7 / 517K reviews
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Written byJulia Taliesin
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Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Licensed property and casualty insurance agent
8+ years content and reporting experience
NPN: 22173027
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
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Competitive average rates, great customer service and claims handling, and wide availability put Travelers at the top of our list of best car insurance companies. To identify the best insurers, Insurify compared insurers based on 19 data points, including affordability, financial strength, and customer satisfaction.
Along with Travelers, State Farm and American Family round out the top three car insurance companies. Travelers stands out for its overall customer satisfaction, while State Farm delivers consistently low rates for most driver profiles. American Family earns high marks for its policy transparency and flexibility.
The best car insurance companies ranked (2026)
The best insurance company for you depends on your needs, but we prioritized a quality customer experience and affordable premiums. Our editorial team reviewed company complaint information, customer satisfaction, financial strength, and availability.
Affordability strongly factors into our analysis, so these insurers also have competitive average rates below the monthly national averages of $98 for liability-only coverage and $187 for full-coverage car insurance.
The following table details our picks for the best car insurance companies. The IQ Score rates insurers on a 10-point scale, while the User Reviews Score is a 5-point scale.
Company | IQ Score (Out of 10) The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | User Reviews Score (Out of 5) | Best For | Average Monthly Full-Coverage Rate |
|---|---|---|---|---|
| State Farm | 9.3 | 4.1 (20,502 reviews) | Consistently low rates | $104 |
| American Family | 9.3 | 4.5 (659 reviews) | Car insurance discounts | $160 |
| Nationwide | 9.0 | 4.3 (1,023 reviews) | Insurance for low-mileage drivers | $187 |
| GEICO | 9.2 | 4.0 (20,190 reviews) | High-risk drivers/incidents on record | $144 |
| Travelers | 8.5 | 4.6 (1,762 reviews) | Young drivers/students | $190 |
| USAA | 9.1 | 4.9 (4,180 reviews) | Military members | $101 |
| NJM | 9.0 | 4.3 (152 reviews) | Mid-Atlantic drivers (NJ, PA, MD, CT, OH) | $87 |
| Allstate | 8.9 | 3.8 (11,968 reviews) | Home and auto bundling | $120 |
Our editorial team evaluated 200-plus regional and national car insurance companies. Our verified user reviews factor significantly into how we selected the best auto insurers. So far, we’ve collected more than 70,000 reviews of 100-plus insurers. We also assess rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
State Farm: Best for cheap rates
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.1
Best choiceBased on 20,502 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,990 State Farm reviews
Verified Review
Reviewed in Texas on August 15, 2026
State Farm provides outstanding support and customer service.
Verified Review
Reviewed in Michigan on August 15, 2026
I've had no problems with State Farm Insurance. I would recommend them to everyone.
Verified Review
Reviewed in Minnesota on August 15, 2026
I’m very upset that my homeowners insurance went up a lot for no reason. I love my agent, but I’m tired of insurance and taxes going up every time you turn around.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is our best overall insurer because it ranks highly for customer service and offers some of the best rates and multiple discounts. Its car insurance rates are well below the monthly national average, per Insurify data.
State Farm received high customer and claims satisfaction ratings from consumer insights agency J.D. Power in 2025. It’s the largest U.S. insurer by market share and has a below-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC).
Pros
High rates of customer and claims satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance
May not be the cheapest for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
American Family: Best for discount seekers
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
4.5
Best choiceBased on 659 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 278 American Family reviews
Verified Review
Reviewed in Iowa on August 13, 2026
They gave me scrap price for my car after a deer collision.
Verified Review
Reviewed in Washington on July 21, 2026
They canceled my policy after 16 years because they said I was deceased, but it was my dad—who had the same name—who passed away.
Verified Review
Reviewed in Kansas on June 24, 2026
Easy to file claims. Claims are handled quickly. Coverage value is better than average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
American Family offers 20 discounts, the most out of our top insurers. You can save on a policy with common discounts like multi-vehicle, good student, and safe driving discounts. American Family also offers generational, young volunteer, low-mileage, auto-pay, and loyalty discounts.
American Family offers insurance in only 19 states, but it’s known for its quality customer service, affordable rates, and many discounts. It has a low number of customer complaints with the NAIC and ranks highly for claims satisfaction, according to J.D. Power.
Pros
High rates of claims satisfaction
Save by bundling auto with home, renters, or motorcycle coverage
Below-average number of customer complaints with the NAIC
Cons
Available in only 19 states
Rates are merely moderate compared to other insurers
No rideshare insurance coverage
Nationwide: Best for low-mileage drivers
| User Reviews | 4.3 |
|---|
4.3
Best choiceBased on 1,023 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 525 Nationwide reviews
Verified Review
Reviewed in Pennsylvania on August 14, 2026
Hard to get in contact with. Don’t expect a fast response.
Verified Review
Reviewed in Pennsylvania on July 23, 2026
Fair for the money.
Verified Review
Reviewed in North Carolina on July 16, 2026
It’s really too high for our age, considering we haven’t had tickets, DUIs, or a claim filed in over 20 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
If you drive infrequently or only short distances, a pay-per-mile program like Nationwide’s SmartMiles could be a good fit. SmartMiles is the most widely available pay-per-mile program and ranks higher than other usage-based insurers, like Metromile and Mile Auto.
Nationwide’s example driver would pay $133 per month for a traditional policy but would pay $95 with SmartMiles, which includes a $60 base rate and $0.07 per-mile rate for 500 miles per month.
Pros
Offers 24/7 roadside assistance coverage add-on
Rated highly by J.D. Power for claims satisfaction
Accident forgiveness available
Cons
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
Not available in every state
GEICO: Best for drivers with an incident
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
4.0
Best choiceBased on 20,190 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 8,076 GEICO reviews
Verified Review
Reviewed in New York on August 15, 2026
My experience with GEICO started off positively because the premium was competitive, the online purchase process was straightforward, and I was able to pay my policy in full upfront. Unfortunately, my experience quickly deteriorated during the underwriting process.
As a first-time car owner and new immigrant to the U.S., I was asked to provide several underwriting documents. I submitted everything requested via the designated email address, but there was no confirmation that my documents had been received or reviewed. When I called customer service multiple times, different representatives gave me different answers, and none of them had access to the underwriting email inbox to verify what had actually been submitted. Meanwhile, I continued receiving mailed notices warning that my policy would be terminated, which created unnecessary stress and uncertainty.
After several weeks and numerous follow-up calls, I finally spoke directly with someone in the Underwriting Department who clarified the actual outstanding items. The issue wasn’t my willingness to provide documents—it was a lack of communication and coordination between underwriting and customer service.
My advice to anyone considering GEICO is to keep copies of every document you submit, save every email, document every phone call, and proactively follow up with underwriting. GEICO has competitive pricing, but there is significant room for improvement in its underwriting communication process, especially for customers with unique circumstances such as first-time buyers or new immigrants.
Verified Purchase
Reviewed in Massachusetts on August 14, 2026
Excellent, good service.
Verified Review
Reviewed in New York on August 14, 2026
Fair.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers competitive rates. But its average insurance premiums for high-risk drivers are less than half the national average for that category, Insurify data shows.
GEICO can also file SR-22 or FR-44 forms with state motor vehicle departments on your behalf, and it offers numerous discounts that can further lower your premium. GEICO is the third-largest U.S. auto insurer by market share.[1] It’s available in all 50 states, offers multiple insurance products, and scores high for customer satisfaction and financial strength, making it a popular choice for auto insurance.
Pros
Good rates for safe drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer and claims satisfaction scores from J.D. Power
Travelers: Best for young drivers
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $190/mo |
4.6
Best choiceBased on 1,762 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 656 Travelers reviews
Verified Review
Reviewed in Texas on August 15, 2026
They’re responsive when needed, and communication is good during website outages. Rates do increase over time, unfortunately.
Verified Review
Reviewed in Kansas on August 10, 2026
They have always given me great support. I’ve only had to file a claim once in all the years I’ve been with them.
Verified Review
Reviewed in Kentucky on August 8, 2026
I wish it were cheaper.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers’ competitive rates and student discounts make it a great choice for young drivers. Travelers’ rates for teen drivers aren’t the cheapest, but they’re still below the national average for that age group.
Teens can lower their premiums further with good student and driver training discounts, and families with teen drivers attending school more than 100 miles away can qualify for a discount.
Pros
Accident forgiveness available
Offers a discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Cons
Rideshare coverage not available in all states
Below-average J.D. Power claims satisfaction rating
Higher-than-average number of complaints with the NAIC
USAA: Best for members of the military community
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
4.9
Best choiceBased on 4,180 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,652 USAA reviews
Verified Review
Reviewed in Texas on August 12, 2026
Responsive to my request to review my policy and see if a reduction was possible.
Verified Review
Reviewed in Florida on August 12, 2026
I had a hit-and-run accident and didn’t get help recovering any of my funds from the other party. I never got paid.
Verified Review
Reviewed in Florida on August 11, 2026
USAA is wonderful!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA offers insurance products only to active-duty military members, veterans, and their families, but it has some of the cheapest rates. While some other insurers offer discounts to military personnel, USAA is the only one that exclusively sells policies to military members. It’s especially competitive for good drivers and offers special discounts, including a discount for living on a military base.
Average monthly rates for USAA car insurance are less than half the national averages, Insurify data shows. USAA scores well for customer satisfaction and shopping experience with J.D. Power. But it has an above-average number of complaints with the NAIC.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with a discount of up to 30%
Cons
Available only to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
NJM: Best for mid-Atlantic region drivers
| User Reviews | 4.3 |
|---|
4.3
Best choiceBased on 152 verified driver reviews and ratings
NJ Manufacturers's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about NJ Manufacturers
Drivers appreciate the friendly service and efficient claim handling but dislike the significant rate increases and overall high prices.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Pennsylvania on August 5, 2026
Be prepared to pay, because NJM Insurance Co. is not cheap.
Verified Review
Reviewed in New Jersey on October 22, 2025
I was a customer for 25 years until they raised my premium by over $300 a year.
Verified Review
Reviewed in New Jersey on September 21, 2025
Okay, but I want a lower rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
711
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
NJM offers insurance products only in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania, but if you live in one of those states, NJM is a great choice.
NJM consistently has some of the lowest rates, according to Insurify data, but that doesn’t mean customers sacrifice quality. It has a very low NAIC complaint index, excellent customer reviews, and an A+ (Superior) financial strength rating from AM Best.
Pros
High scores from J.D. Power for customer satisfaction
Numerous discounts available to help lower rates
Excellent Trustpilot rating
Cons
Available in only five states
Doesn’t offer accident forgiveness
No 24/7 customer phone support
Allstate: Best for cheap home and auto bundling
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $159/mo |
3.8
A solid optionBased on 11,968 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 4,641 Allstate reviews
Verified Review
Reviewed in Connecticut on August 15, 2026
My insurance went up to $200 for six months.
Verified Review
Reviewed in Nevada on August 15, 2026
My Experience with Allstate
I honestly believed Allstate was a good insurance company until I discovered what had been happening with my policy.
Three years ago, my vehicle was involved in an accident caused by another driver and was totaled. I contacted Allstate to have the vehicle removed from my policy. Instead, the vehicle was suspended, and I continued paying insurance premiums on a vehicle I had not had in my possession for approximately three years. Allstate also handled the claim, so the company was aware that the vehicle had been totaled.
After recently discovering this, I realized that I had paid approximately $2,000 in premiums for a vehicle I no longer owned or possessed. I had previously contacted my local agent about the vehicle, but unfortunately, the issue was never properly taken care of.
It has now been about two weeks of trying to get this resolved. I have been going back and forth and playing phone tag with Allstate’s corporate office. As of this review, the matter is still being investigated, so I am hopeful that Allstate will make this right and resolve the situation fairly.
What is especially frustrating is that my insurance premiums continued to increase over the years, and the explanation I was given was that the increases were due to the area where I lived. I never thought to question whether I was still being charged for a vehicle that had been totaled years earlier.
This experience has definitely changed the way I look at my insurance. My advice to anyone with insurance is to pay close attention to your premiums, review your policy regularly, and make sure you know exactly what you are being charged for. Don’t assume everything is correct just because you have been with an insurance company for years.
I am still hoping Allstate will resolve this appropriately. How they handle this situation from here will determine whether I can continue to recommend them as an insurance company.
Verified Review
Reviewed in California on August 15, 2026
Bad—they weren’t available when I had an accident. No one answered the phone. It was a Sunday, but that shouldn’t have made a difference. They also didn’t help much to resolve it. The claims representative was very difficult to deal with. I really dislike Allstate and plan to switch to a company with better customer service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate’s car insurance rates are competitive, but not the cheapest available. It stands out for its bundling discount, though. Buying both your auto and home insurance policies (bundling) from Allstate can score you a discount of up to 25%. That could offset its rates, which tend to be higher than some big competitors.
Pros
Generous bundling discount
Offers gap insurance
Available in every state and Washington, D.C.
Cons
Mixed performance in J.D. Power’s 2025 rankings
Overall experience score of 3.8 (out of 5) from Insurify-verified user reviews
Some large competitors offer lower rates
How Insurify collects reviews
We collect reviews from drivers who’ve successfully compared quotes through our site and switched to a new insurance company. We ask about their experience with their old insurer, why they decided to switch, and how they like their new insurance company.
Read more about our review collection process.
How to choose the best car insurance for you
Your particular needs and driving profile will determine the best car insurance company for you. Here’s how to weigh insurers to find your best fit:
Calculate how much coverage you need. You must buy at least your state’s minimum required amount of liability coverage (higher limits are better because they provide greater financial protection). If you lease or finance your car, have a high-value vehicle, or wouldn’t be able to afford to repair or replace it on your own, you’ll need full coverage, too.
Consider add-ons. Depending on your lifestyle and vehicle, you may want to add optional coverages like gap insurance, accident forgiveness, uninsured/underinsured motorist coverage, or roadside assistance. Add-ons typically increase your premium.
Look for discounts to lower your premium. Most insurers offer discounts like good driver and safe vehicle savings, good student discounts, bundling auto with home or renters insurance, and more. You may qualify for more than one.
Compare quotes from multiple companies. Shopping around can help you find the right coverage, discounts, and insurer for your needs. You should compare quotes every six to 12 months, depending on when your policy renews.
Highest-rated car insurance companies: Real customer reviews
Our team analyzes auto insurance rates and industry scores, but we know hearing from an actual customer can give you a different insight into an insurance company. That’s why we gather verified user reviews. Each review is from a real customer who’s compared quotes through Insurify.
When we collect user reviews, we ask them to rate their insurance company based on their experiences and policy features. That way, while each insurance company has an overall user review score, you can also see how they score in specific categories.
The companies in the table below are insurers that our users choose as the best. Here’s how they score in five important categories that drivers care about the most. All scores shown in the table below are based on a 5-point scale.
Insurance Company | Overall Score | Customer Service | Value | Discounts | Coverage Options | Policy Transparency |
|---|---|---|---|---|---|---|
| USAA | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 |
| Travelers | 4.6 | 4.6 | 4.3 | 4.3 | 4.6 | 4.6 |
| American Family | 4.5 | 4.9 | 4.3 | 4.6 | 4.6 | 4.5 |
| Nationwide | 4.3 | 4.0 | 3.5 | 3.7 | 4.1 | 3.9 |
| NJM | 4.3 | 3.9 | 3.4 | 3.5 | 4.2 | 4.0 |
| State Farm | 4.1 | 4.3 | 3.7 | 3.9 | 4.1 | 3.9 |
| GEICO | 4.0 | 4.1 | 3.8 | 3.9 | 4.0 | 4.0 |
Each insurer stands out with reviewers for specific qualities:
Insurify users give USAA high marks for its customer service and claims handling.
Travelers wins among reviewers for its claims handling and policy transparency.
American Family stands out for high customer service satisfaction.
Although reviewers note Nationwide’s rates are higher than some competitors’, they appreciate the insurer’s smooth claims process and quality customer service.
State Farm does best with reviewers for its customer service.
Overall, reviewers are satisfied with GEICO, and single out its customer service and claims handling as superior.
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Average cost of car insurance
Nationwide, car insurance currently costs an average of $98 per month for liability-only coverage and $187 per month for full coverage.
The national average for full-coverage rates dropped by 6% in 2025 to $2,144, according to an Insurify report. Rates fell in 39 states, including a drop of 15% or more in eight states.
Insurify data scientists project the average annual full-coverage cost will increase by 1% in 2026, which would bring the national average from $2,144 to $2,158.
)
Rates vary widely among insurers and across geographic areas. Many drivers can get much lower rates, so it’s always worth comparing quotes if you’re looking for cheap car insurance. These are the national average monthly liability-only and full-coverage car insurance rates by insurance company.
The below national rates are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Country Financial | $43 | $89 |
| Auto-Owners | $46 | $87 |
| NJM | $49 | $87 |
| USAA | $51 | $101 |
| State Farm | $52 | $104 |
| Erie | $67 | $120 |
| Mile Auto | $74 | $137 |
| Progressive | $78 | $132 |
| GEICO | $79 | $144 |
| American Family | $81 | $160 |
| Commonwealth Casualty | $82 | $179 |
| Safeco | $84 | $136 |
| The General | $86 | $213 |
| National General | $87 | $173 |
| Direct Auto | $90 | $167 |
| Allstate | $91 | $159 |
| Mercury | $94 | $169 |
| GAINSCO | $96 | $209 |
| Travelers | $96 | $190 |
| Dairyland | $99 | $245 |
| Elephant | $104 | $175 |
| AssuranceAmerica | $105 | $180 |
| Farmers | $105 | $209 |
| Bristol West | $106 | $207 |
| Root | $110 | $179 |
| Anchor | $115 | $248 |
| Chubb | $118 | $224 |
| Clearcover | $118 | $214 |
| Plymouth Rock | $118 | $182 |
| Liberty Mutual | $127 | $206 |
| 21st Century | $132 | $255 |
| Shelter | $132 | $238 |
| The Hartford | $133 | $238 |
| State Auto | $150 | $290 |
| CSAA | $155 | $235 |
| Amica | $232 | $412 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Why is car insurance so expensive?
Expensive repair costs of high-tech and electric vehicles were largely behind car insurance rate increases in 2025.
With severe weather causing more comprehensive coverage claims, auto insurers are also increasingly factoring climate risk into rates. Severe climate risks, like hailstorms and wildfires, were a major factor, but changes in insurance requirements also contributed to the spike.
With many factors influencing premiums, it’s a good idea to compare car insurance quotes to find coverage that fits your needs. Many unique, individual factors also affect your premiums.
How much car insurance coverage you need
Every state but New Hampshire requires minimum liability coverage, and even then, it has some financial requirements. You need to buy at least your state’s minimum coverage, but if you want more financial protection in the event of an accident or weather damage, you’ll need to purchase more coverage.
If you finance or lease your vehicle like most U.S. drivers, your lender will require full coverage. If you drive a rare or higher-value car, you may want additional protection even if you own your car outright because repairs will be more specialized and expensive.
Types of car insurance coverage
As you’re shopping for a policy, keep these common types of car insurance coverage in mind:[2]
Liability-only coverage
This covers bodily injury and property damage you cause to someone else. Every state but New Hampshire requires some amount of liability coverage.
Full coverage
This typically includes collision and comprehensive coverage in addition to liability insurance. Collision insurance covers damage to your car in an accident, even if you’re at fault, and comprehensive insurance covers damage to your car from non-collision incidents.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage pays for damage from hit-and-run accidents and protects you if the at-fault driver has no coverage. Underinsured motorist coverage protects you if the at-fault driver has too little coverage to pay for your injuries and damages.
Personal injury protection (PIP) coverage
This typically covers medical expenses, lost wages, and funeral expenses for you and your passengers, no matter who’s at fault. If you live in a no-fault state, PIP may be part of your minimum coverage requirements.
Medical payments (MedPay) coverage
This add-on helps pay for medical and funeral expenses for you and your passenger in an accident, even if you’re at fault.
Gap coverage
Gap insurance covers the difference between your outstanding loan or lease balance and your claim payout if your car is declared a total loss following an accident.
Accident forgiveness coverage
This insurance add-on can prevent your premium from increasing after your first at-fault accident.
Best car insurance FAQs
If you’re not quite ready to begin comparing car insurance quotes or to call an agent, here’s some more information to answer your questions and help you find the best car insurance.
Travelers is our pick for best overall insurer for its competitive rates and excellent customer service. American Family has 20 discounts, so you can qualify for more savings on top of its already affordable rates. If you’re a driver in the mid-Atlantic region, NJM has quality customer service and consistently low rates.
The cheapest car insurance companies are Country Financial, Auto-Owners, and NJM, with liability-only rates averaging $43, $46, and $49 per month, respectively. Qualifying for discounts will also help you get the least expensive rates.
Country Financial offers the cheapest rates for teen drivers. But for the best combination of affordability, discounts, and customer service, consider State Farm.
GEICO Insurance Agency is the top insurer for drivers with an incident on their record. It’s widely available, scores well for customer satisfaction and financial strength, and has competitive rates for drivers with an incident. GEICO can also file SR-22 or FR-44 forms on your behalf.
Common discounts to look for include multi-vehicle, good/safe driver, good student, student-away-at-school, safe vehicle, claims-free, and bundling home and auto coverages. You may be able to qualify for multiple discounts to help lower your car insurance costs.
The Insurify Quality Score (IQ Score) objectively measures insurance companies across 19 data points, including financial strength ratings, customer satisfaction, cost, customer support, customization, transparency, availability, and more. The score uses a 1–10 scale.
To verify reviews, Insurify requests reviews only from Insurify customers who go through our quoting process and successfully compare quotes. We ask shoppers who switched insurers to tell us about their experience with their previous insurer, why they decided to switch, and how they like their new insurance company.
Sources
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2023 Top 25 Groups and Companies by Countrywide Premium."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Licensed property and casualty insurance agent
8+ years content and reporting experience
NPN: 22173027
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology