8 of the Best Car Insurance Companies (April 2026)
We analyzed 85,000-plus reviews of more than 200 insurers and determined that State Farm and American Family are two of the best car insurance companies.
Secure. Free. Easy-to-use.
Excellent
)
Written byJulia Taliesin
)
Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
)
Edited byAshley Cox
)
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data reviewed byKonstantin Halachev
)
Konstantin HalachevVP of Engineering & Data Science
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Quick Facts
We analyzed 85,000-plus reviews across 200 companies to determine which car insurance companies are the best overall.
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.
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 car insurance quotes will help you find the best fit.
To help you find low rates without sacrificing quality, Insurify collected more than 85,000 verified user reviews. We analyzed 200 insurance companies, considering 19 data points on factors like financial strength, customer satisfaction, and affordability. We chose our top eight 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 $99 for liability only and $173 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 (16,551 reviews) | Overall |
| American Family | 9.3 | 4.5 (600 reviews) | Discount seekers |
| Insurify Car | N/A | N/A | Flexible payments |
| Nationwide | 9.0 | 4.2 (959 reviews) | Low-mileage drivers |
| GEICO | 9.2 | 4 (16,802 reviews) | Drivers with an incident |
| Travelers | 8.5 | 4.6 (1,333 reviews) | Young drivers |
| USAA | 9.1 | 4.9 (3,317 reviews) | Military members |
| NJM | 9.0 | 4.2 (125 reviews) | Mid-Atlantic region drivers |
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 overall car insurance
| 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. | 9.3 /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. | $107/mo |
4.0
Best choiceBased on 16,576 verified driver 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
Showing recent national reviews - See all 7,303 State Farm reviews
Dale
Verified Review
State Farm Insurance
Reviewed in New York on March 31, 2026
I would tell people to stay away from State Farm. I have a good, clean history of driving with no homeowners claims, and it seems like my premiums went up every six months. My premiums have increased by over $300 in the last year or so.
Harriett
Verified Review
Coverage Issues
Reviewed in South Carolina on March 31, 2026
They claim you don't have the coverages you paid for when you're in an accident. They like to say that full coverage isn't a thing, yet when making the policy, it is.
Ben
Verified Review
XXX
Reviewed in Oregon on March 31, 2026
I have received many quotes from others, and no one has been better.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | $82/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. | $153/mo |
4.5
Best choiceBased on 602 verified driver 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
Showing recent national reviews - See all 265 American Family reviews
Jeffrey
Verified Review
Good company.
Reviewed in Washington on March 31, 2026
Everything was good, I just found better coverage at a cheaper price.
Traynor
Verified Review
American Family NOT the best for family
Reviewed in Arizona on March 22, 2026
Prices keep going up without claims.
Stanley
Verified Review
Excellent
Reviewed in Florida on March 16, 2026
No issues. I was able to switch to garage-only coverage when away for months at a time.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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 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 | 4.2 |
|---|---|
| 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 /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. | $183/mo |
4.2
Best choiceBased on 959 verified driver 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
Showing recent national reviews - See all 515 Nationwide reviews
Brian
Verified Review
Not happy anymore with this company
Reviewed in Pennsylvania on March 28, 2026
The rates are not that good; they go up every other month with no notification. When you call about it, they say, "It is what it is." With auto-pay, we set the date, but they may take it a week early or a week later, but it's normally earlier than the date we set. This really sucks since I have had insurance through them since I was 17 years old, and I am now 61. Their rates keep going up with no notification.
Cassidy
Verified Review
Don't use this company
Reviewed in Nevada on March 26, 2026
My car is 6 years old. I have no claims and no tickets, and my insurance has increased 200% in the past 6 years.
Patricia
Verified Review
Bad Communication
Reviewed in South Carolina on March 18, 2026
They never informed me about the increase until it was time to renew, and they didn't explain why the increase occurred.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.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 | 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. | 9.2 /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. | $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. | $142/mo |
3.9
A solid optionBased on 16,832 verified driver 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
Showing recent national reviews - See all 7,540 GEICO reviews
Andrew
Verified Review
Treat your long-time customers right
Reviewed in Florida on March 31, 2026
They are too expensive after being with them for almost 6 years.
Jimmie
Verified Review
Great service, but too expensive
Reviewed in New York on March 31, 2026
Geico is great, but I am paying as much for insurance as I am for my car loan payment.
Robert
Verified Review
Geico Raised Rates When I Moved
Reviewed in Utah on March 31, 2026
I don't have many interactions with insurance except to pay them. Geico just made themselves uncompetitive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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. | $99/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. | $187/mo |
4.6
Best choiceBased on 1,336 verified driver 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
Showing recent national reviews - See all 577 Travelers reviews
Tiphani
Verified Review
Welcome to the switcheroo
Reviewed in Missouri on March 30, 2026
I switched to them because my rate dropped. After 6 months, it went up to almost what I was already paying at the previous company. That's how they get you. Neck and neck with cable companies.
Susan
Verified Review
Find another insurance company
Reviewed in Oklahoma on March 29, 2026
Travelers costs too much.
Kay
Verified Review
Agent Makes the Difference on Claim Handling
Reviewed in Georgia on March 27, 2026
Having a good agent makes all the difference with claims handling.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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. | $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. | $100/mo |
4.9
Best choiceBased on 3,322 verified driver 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
Showing recent national reviews - See all 1,518 USAA reviews
George
Verified Review
My take on USAA
Reviewed in Oregon on March 30, 2026
My wife and I are in our mid-70s. Having said that, we give USAA a 5-star rating. Zero run-arounds when reporting an accident at all. And their agents that do the investigations are extremely good at their jobs. From top to bottom, they are very professional and it shows. We've been with USAA now for some 13 years. We are not going anywhere.
Scott
Verified Review
Way too expensive
Reviewed in Texas on March 29, 2026
Costs double the price of other insurers.
Blake
Verified Review
Meh
Reviewed in Washington on March 29, 2026
For all the hype, I found their rates inflated and service mediocre. I spent the better part of an afternoon chatting with an agent who was pushing coverage we didn’t need or want, to finally land on a reasonable policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 4.2 |
|---|---|
| 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 /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. | $57/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. | $93/mo |
4.2
Best choiceBased on 126 verified driver 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
Showing recent national reviews - See all 17 NJ Manufacturers reviews
David
Verified Review
Boo NJM
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.
John
Verified Review
Excellent
Reviewed in New Jersey on September 21, 2025
Okay, but I want a lower rate.
Luciano
Verified Review
Excellent
Reviewed in Connecticut on July 1, 2025
Competitive rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
711NAIC 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. 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
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 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. You should compare quotes every six months to one year, whenever your current policy is up for renewal.
The best car insurance companies, according to Insurify users
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.
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 | 4.8 | 4.9 | 4.9 | 4.9 | 4.9 |
| Travelers | 4.6 | 4.6 | 4.2 | 4.3 | 4.6 | 4.6 |
| American Family | 4.5 | 4.9 | 4.3 | 4.6 | 4.6 | 4.5 |
| Nationwide | 4.2 | 4 | 3.6 | 3.7 | 4.1 | 3.9 |
| NJM | 4.2 | 3.6 | 3.4 | 3.5 | 4 | 3.9 |
| State Farm | 4 | 4.2 | 3.7 | 3.9 | 4.1 | 3.8 |
| GEICO | 4 | 4.1 | 3.8 | 3.9 | 4 | 3.9 |
Find Affordable Auto Insurance
Unlock savings and discounts when you compare rates through Insurify
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
Average cost of car insurance
Nationwide, car insurance currently costs an average of $99 per month for liability-only coverage and $173 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, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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 | $45 | $85 |
| Auto-Owners | $47 | $83 |
| USAA | $52 | $100 |
| State Farm | $55 | $107 |
| NJM | $57 | $93 |
| Mile Auto | $70 | $120 |
| Erie | $73 | $122 |
| Allstate | $75 | $144 |
| Commonwealth Casualty | $81 | $187 |
| American Family | $82 | $153 |
| Safeco | $85 | $139 |
| GEICO | $86 | $142 |
| National General | $88 | $169 |
| Root | $90 | $151 |
| Dairyland | $91 | $224 |
| The General | $91 | $179 |
| Progressive | $91 | $157 |
| Direct Auto | $95 | $145 |
| Mercury | $95 | $160 |
| Nationwide | $96 | $183 |
| Travelers | $99 | $187 |
| GAINSCO | $101 | $214 |
| Bristol West | $101 | $203 |
| Elephant | $109 | $169 |
| Farmers | $109 | $210 |
| Anchor | $114 | $179 |
| Chubb | $118 | $216 |
| AssuranceAmerica | $121 | $218 |
| 21st Century | $133 | $242 |
| Shelter | $139 | $231 |
| Plymouth Rock | $140 | $211 |
| Clearcover | $140 | $198 |
| CSAA | $140 | $195 |
| The Hartford | $147 | $243 |
| Liberty Mutual | $150 | $208 |
| State Auto | $153 | $274 |
| Amica | $262 | $432 |
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 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. 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.
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. 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 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 USAA. Their liability-only rates start at $45, $47, and $52 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 190 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.
Related articles
)
Free Car Insurance Quotes Online - Compare Rates & Save
March 31, 2026
)
Best Car Insurance Apps
March 31, 2026
)
Best Car Insurance for New Drivers
March 31, 2026
)
Best Car Insurance Companies for Teenagers
March 31, 2026
)
$500 Deductible Car Insurance: Costs & Companies
March 31, 2026
)
Is a $1,000 Car Insurance Deductible Right for You?
March 31, 2026
)
Best Digital Car Insurance Companies
March 31, 2026
)
Best Car Insurance Comparison Sites
March 31, 2026
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."
)
Julia TaliesinEconomic Analyst, Licensed Insurance Agent
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin HalachevVP of Engineering & Data Science
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.