7 of the Best Car Insurance Companies (May 2025)
We collected 55,000 reviews of more than 100 insurers to determine the best car insurance companies.
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Written byJulia Taliesin
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Edited byEvelyn Pimplaskar
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Quick Facts
State Farm is Insurify’s best overall choice for its low average rates and great customer service.
Insurify users report having a great experience with Travelers, rating the insurer 4.7 out of 5.
American Family has more than 18 discounts that can help lower premiums.
Cheap car insurance doesn’t always equal the best car insurance. Shopping for the right auto insurance means considering your lifestyle, driving habits, coverage needs, and budget. Finding the best car insurance company for you can be time-consuming, but comparing rates will always help you find the best fit.
To help you find low rates without sacrificing quality, Insurify collected more than 55,000 verified user reviews. We analyzed 155 insurance companies, considering 19 data points on factors like financial strength, customer satisfaction, and affordability. We chose our top seven so you know where to start as you’re looking for coverage.
Insurify’s picks for best car insurance companies
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 $105 for liability only and $195 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 |
|---|---|---|---|
| State Farm | 9.3 | 4.2 | Overall |
| American Family | 9.1 | 4.6 | Discount seekers |
| Nationwide | 8.7 | 4.4 | Low-mileage drivers |
| GEICO | 9.0 | 4.1 | Drivers with an incident |
| Travelers | 9.0 | 4.7 | Young drivers |
| USAA | 9.4 | 4.9 | Military members |
| NJM | 9.4 | 3.9 | Mid-Atlantic region drivers |
Our editorial team evaluated 150-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 55,000 reviews of 100-plus insurers. We also assess rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
State Farm: Best overall car insurance
| User Reviews | 4.2 |
|---|---|
| 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. | $55/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. | $117/mo |
4.2
Best choiceBased on 11,093 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,993)
Kevin
May 14, 2025
Verified Review
Friends in Need
The main thing with SF is their rates; in my opinion, they are too high. The good side is that they are understanding and prompt. My wife and I have had 3 or 4 cars covered by SF plus home insurance. They always treat us fairly, just so high!
Robert
May 14, 2025
Verified Review
State Farm needs help
Good for car insurance but difficult getting claims approved on homeowners.
Sergio
May 14, 2025
Verified Review
Look very carefully before switching.
I don't have anything bad to say about State Farm. To compare with another company, it's important to look carefully at options. All options should be equal before deciding which company to choose.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 the best customer satisfaction and insurance shopping experience ratings from consumer insights agency J.D. Power in 2023. It’s widely available as the largest U.S. insurer by market share and has a below-average company complaint index, according to the National Association of Insurance Commissioners (NAIC).
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
American Family: Best for discount seekers
| 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. | 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. | $70/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. | $150/mo |
4.6
Best choiceBased on 462 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (237)
Richard
May 8, 2025
Verified Review
American Family Insurance
Purchased through Costco and it originally saved me a lot of money.
Scott
May 5, 2025
Verified Review
Check the Fine Details
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
Matt
April 26, 2025
Verified Review
Pricing Themselves Out of Customers!
The price of our policies has increased faster and higher than the competition. Our local agents are great to deal with. Customer service is much better than the last company I was insured with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.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).
AWhy we picked this company
American Family offers 18 discounts, the most out of our top insurers. Drivers can secure more savings with standard options like multi-vehicle, good student, and good driving discounts. American Family also offers generational, young volunteer, low-mileage, auto-pay, and loyalty discounts.
Though American Family only offers insurance in 19 states, it’s known for its quality customer service, affordable rates, and many discounts. It has a low company complaint index with the NAIC and ranks highly for customer satisfaction and insurance shopping experience, according to J.D. Power.
American Family has competitive average rates, Insurify data shows, and drivers who take advantage of available discounts can save even more on their premiums.
Pros
High rates of customer satisfaction
Save by bundling auto with home, renters, or motorcycle coverage
Much lower-than-average number of consumer complaints with the National Association of Insurance Commissioners
Cons
Only available in 19 states
Rates are merely moderate compared to other insurers
No rideshare insurance coverage
Nationwide: Best for low-mileage drivers
| User Reviews | 4.4 |
|---|---|
| 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. | 8.7 /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. | $86/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. | $179/mo |
4.4
Best choiceBased on 859 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (483)
Nicholas
May 14, 2025
Verified Review
Poor
Nationwide is very overpriced for what they offer.
Ronald
May 11, 2025
Verified Review
Nationwide opinion
Nothing bad about Nationwide, but it needed to be more affordable.
Stephen
May 11, 2025
Verified Review
Cost is too high
Too expensive for someone who was a customer for 20 years and never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.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. We chose Nationwide because it’s 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.
Customer reviews are mixed, but it ranks third among large insurers for shopping experience and has a below-average company complaint index, according to J.D. Power and the NAIC, respectively.
Pros
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
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 /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. | $148/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. | $178/mo |
4.0
Best choiceBased on 11,874 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,402)
Barbara
May 14, 2025
Verified Review
Excellent
Good company but costs too much.
Mary
May 14, 2025
Verified Review
Not the best rate or policy combination
I am just looking for better rates and a 1-year payment option, not 6 months. I signed up for no spousal coverage and sent the signed document in, but Guiko sent an email stating they do not have it. I do not want it! Guiko does not offer 1-year insurance or even combine my policies—I have a truck, side by side, and rental property (I own the property but have it in an LLC). Sole owner SLLC.
Patricia
May 14, 2025
Verified Review
Geico Meets My Car Insurance Needs
I have been with Geico for quite a while but haven’t filed any claims. I do think they are a good company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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, period. 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 good 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 satisfaction scores from J.D. Power
Travelers: Best for young drivers
| User Reviews | 4.7 |
|---|---|
| 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 /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. | $189/mo |
4.7
Best choiceBased on 895 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (464)
John
May 12, 2025
Verified Review
Just the same
Travelers is a fair company to deal with. Like all other insurance agencies, the premium goes up if you have a simple claim.
Shannon
May 10, 2025
Verified Review
I'm tired of being taken advantage of
They raised my rates significantly without any notification, and the agent's email is no longer valid.
Wilburta
May 8, 2025
Verified Review
Super good insurance & customer service, just wish it was cheaper!
Very good
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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 out there, 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. Travelers ranks highly for financial strength and received average scores for customer satisfaction, shopping experience, and complaints, according to AM Best, J.D. Power, and the NAIC.
Pros
Accident forgiveness available
Offers discount for hybrid and electric cars
A++ (Superior) financial strength rating from AM Best
Cons
Rideshare coverage not available in all states
High number of negative customer reviews with the Better Business Bureau
Higher-than-average number of complaints with the National Association of Insurance Commissioners
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. | 9.4 /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. | $47/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. | $98/mo |
4.9
Best choiceBased on 2,063 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,177)
Anthony
May 13, 2025
Verified Review
Dare to compare
Very happy overall, with the exception of cost increases.
John
May 12, 2025
Verified Review
Rates
Their rates have gone up significantly, and as a result, I will be looking at alternatives.
Dawn
May 11, 2025
Verified Review
The premiums are too high, I've only had one claim so I'm already shopping
I've been with them for ten years now and I've only had one claim. Now I'm being treated like a convict.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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, like GEICO, 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, like 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. Customer reviews on Trustpilot are mixed though, and it has an above-average number of complaints with the NAIC.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available 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 | 3.9 |
|---|---|
| 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. | 9.4 /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. | $34/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. | $54/mo |
3.9
A solid optionBased on 69 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
New Jersey drivers
Good claims process
Robust discounts
Reviews (12)
Joanne
March 12, 2025
Verified Review
Too Expensive
It's too expensive.
Rosalie
March 11, 2025
Verified Review
Pleased with NJM
I had a good experience and found them very helpful. However, I'm not happy that the insurance rate increases all the time. I only drive 2,000 miles a year, have no DUIs, no accidents, and no tickets. So, I wonder why the insurance rate goes up.
Patty
March 4, 2025
Verified Review
Significant Rate Increase
They increased my annual rate by $325.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19A.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. Its average monthly rates are a third of the national average. 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 4.7/5 Trustpilot score from 14,000+ reviews
Cons
Available in only five states
Doesn’t offer accident forgiveness
No 24/7 customer phone support
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 Insurify users score the best car insurance companies
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.
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.
Here are how some of the best car insurance companies score in five important categories that drivers care about the most.
Insurance Company | Customer Service | Value | Discounts | Coverage Options | Policy Transparency |
|---|---|---|---|---|---|
| State Farm | 4.2 | 3.9 | 4 | 4.2 | 4 |
| American Family | 4.9 | 4.6 | 4.8 | 4.8 | 4.9 |
| Nationwide | 4.2 | 4.2 | 4 | 4.5 | 4.4 |
| GEICO | 4 | 3.9 | 3.8 | 4 | 4 |
| Travelers | 4.3 | 4.3 | 4.2 | 4.6 | 4.6 |
| USAA | 4.7 | 4.9 | 4.9 | 4.9 | 4.9 |
| NJM | 3.9 | 3.1 | 3.3 | 3.9 | 3.7 |
How to find the best car insurance for you
Lifestyle and unique driver profiles factor significantly into what the best car insurance would be for you. These are some things to consider as you look for the right policy:
Determine how much coverage you need
The legally required minimum liability coverage differs by state, but insurance professionals generally recommend buying more than the minimum liability for greater financial protection. And if you lease or finance your car, your leasing company or lender will require you to have full coverage. Research to understand what you do and don’t need.
Find discounts
Most insurers offer discounts for bundling policies, insuring multiple vehicles, driving safely, and more. Look for an insurer with discounts that apply to you. You may qualify for multiple discounts that could add up to significant savings.
Consider pay-as-you-go insurance
Your driving record affects your rates, and whether you have a clean record or a history of incidents will inform which insurer is right for you. If you don’t drive much or very far, a pay-per-mile or pay-as-you-go car insurance policy might be the best option.
Compare quotes
Shopping around can help you find the right coverage, discounts, and insurer for your needs.
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Average cost of car insurance
The average cost of car insurance is increasing. Full-coverage car insurance rates rose by 15% in 2024, and Insurify projects rates will increase by another 5% in 2025. The current national averages are $105 per month for liability only and $195 for full coverage.
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While the national average is increasing, 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 rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $16 | $36 |
| Auto-Owners | $32 | $68 |
| NJM | $34 | $54 |
| USAA | $47 | $98 |
| Mile Auto | $55 | $89 |
| State Farm | $55 | $117 |
| Erie | $56 | $94 |
| Allstate | $61 | $130 |
| Root | $70 | $120 |
| American Family | $70 | $150 |
| CSAA | $82 | $128 |
| Nationwide | $86 | $179 |
| Mercury | $88 | $161 |
| Safeco | $90 | $150 |
| Travelers | $91 | $189 |
| Direct Auto | $95 | $178 |
| Dairyland | $97 | $266 |
| National General | $99 | $184 |
| Progressive | $101 | $154 |
| Commonwealth Casualty | $101 | $264 |
| The Hartford | $105 | $172 |
| State Auto | $106 | $212 |
| The General | $107 | $208 |
| Farmers | $108 | $229 |
| Bristol West | $111 | $233 |
| 21st Century | $112 | $227 |
| Chubb | $114 | $229 |
| Clearcover | $122 | $189 |
| Shelter | $124 | $213 |
| GAINSCO | $124 | $270 |
| Elephant | $135 | $200 |
| AssuranceAmerica | $146 | $265 |
| GEICO | $148 | $178 |
| Infinity | $164 | $239 |
| Liberty Mutual | $173 | $247 |
| Amica | $174 | $284 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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?
The expensive repair costs of high-tech and electric vehicles were largely behind car insurance rate increases in 2024, according to Insurify’s auto insurance report. With severe weather causing more comprehensive coverage claims, auto insurers are also increasingly factoring climate risk into rates.
High vehicle theft rates and state legislation likely also led to higher rates in Maryland, New York, and Washington, D.C., the most expensive states for car insurance, per Insurify data.
Three states had auto insurance increases of 48% to 58% in 2024. Severe climate risks like hailstorms and wildfires were a major factor, but changes in insurance requirements also contributed to the spike. Insurify predicts a much less significant increase for those and other states in 2025.
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.
For example, having poor credit could mean you pay high premiums because that indicates to insurers you’re more likely to file claims. Improving your credit history, like improving your driving record, is a long-term change that could help lower your car insurance costs.
How much car insurance coverage you need
Every state but New Hampshire requires minimum liability coverage, and even then there are 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. Drivers with rare or higher-value cars may want additional protection even if they own the car outright because repairs will be more specialized and expensive.
Types of car insurance coverage
Here are some common coverage options so you know what you need and don’t pay for what you don’t.[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 covers damage to your car in an accident, even if you’re at fault, and comprehensive 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.
State-minimum vs. full coverage: Which to choose
Car insurance ideally protects you financially when something unexpected happens, whether it’s an accident or a flood. The right coverage for you depends on your budget and financial flexibility, location, driving history, and type of vehicle.
If you practice safe driving habits, live in a less populated area, drive a paid-off vehicle, and have the assets to cover significant unexpected expenses, a liability-only policy could be a good option to save money. If you live in an area prone to natural disasters, lease or finance your vehicle, or live in an area with high accident or vehicle crime rates, then a full-coverage policy with comprehensive insurance will ensure you’re not paying out of pocket if a weather event damages your car.
Cheapest recent rates
Drivers have found policies from Progressive, Just Pay-Per-Mile, Mile Auto, and more, for rates as low as $38/mo. through Insurify
*Quotes generated for Insurify users within the last 10 days. Last updated on May 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Comparing quotes will help you find the best choice for you, but State Farm is our pick for best overall insurer for its competitive rates and excellent customer service. It ranks at the top in 26 states. American Family has 18 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 rates are typically for liability-only policies, but it’s still possible to find full-coverage rates below the national average. The cheapest car insurance companies are COUNTRY Financial, Auto-Owners, and NJM. Their liability-only rates start at $16, $32, and $34 per month, respectively. Qualifying for discounts will also help you get the least expensive rates.
Travelers is a great choice for teen drivers on their own policy. Though some regional insurers offer more competitive rates, Travelers’ rates are still below the national average for teen drivers. Teens can further lower premiums with good student and driver training discounts.
Our editorial team chose GEICO Insurance Agency as 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.
Consider discounts whenever you’re comparing policies. Insuring multiple vehicles, having a clean driving record, being a good student, serving in the military, equipping your car with anti-theft systems, and more could earn you a discount. You could also save by bundling your home or renters insurance with your auto policy.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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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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."
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Julia TaliesinInsurance Content Writer
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.