List of Car Insurance Companies (2025)

State Farm, American Family, and NJM are among the best car insurance companies for their high customer satisfaction and affordable rates.

Danny Smith
Written byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Updated

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Choosing the best car insurance company can seem overwhelming with all the options available. Not every car insurance company is right for every person, either — the one that’s best for you may be different from your neighbor’s.

Insurify put together a list of companies to help you compare car insurance quotes and reviews. Whether you’re looking for the cheapest car insurance premiums or the best customer service, this list will help you quickly sort through the options to get what you need.

Quick Facts
  • Check rates with both national and regional insurers to find the best fit for your insurance needs.

  • State Farm is the largest U.S. auto insurer by market share, and has the highest Insurify Quality (IQ) Score of any insurer, with a 9.3 out of 10.

  • COUNTRY Financial is the cheapest car insurance company in the country, with an average monthly liability rate of $23.

National insurance companies

Insurance Company
sort ascsort desc
User Reviews Score
sort ascsort desc
Number of Reviews
sort ascsort desc
AAA4.52,136
Allstate3.96,854
Amica4.1149
Chubb3.68
Encompass3.617
Esurance3.71,068
Farmers3.82,216
GEICO411,989
Liberty Mutual3.63,023
Nationwide4.3866
Progressive3.312,851
Safeco4.4873
State Farm4.111,264
The General3.4897
The Hartford3.91,498
Travelers4.7904
USAA4.92,100

Regional insurance companies

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National liability rates average $107 per month

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ProgressiveLiberty MutualAllstate

10 largest car insurance companies by market share

Every year, the National Association of Insurance Commissioners (NAIC) Property and Casualty Market Share Report ranks insurers based on U.S. market share.

Below is a closer look at the 10 largest insurers based on 2023 NAIC data. These companies insure about 77% of the entire auto insurance market. State Farm leads the way, insuring nearly 20% of all U.S. drivers.[1]

1. State Farm

State Farm logo
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/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.
$116/mo
4.1
Best choiceBased on 11,284 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 (6,048)
Audrey
Verified Review

Old Customer

Reviewed in Michigan on July 2025
State Farm is excellent.
Roseann
Verified Review

Excellent

Reviewed in Wisconsin on July 2025
I've checked several insurance companies and State Farm always comes out on top.
Alice
Verified Review

State Farm Cares

Reviewed in New Jersey on July 2025
All good... the staff is great and they care about your issues.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

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

2. Progressive

Progressive logo
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
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.
$105/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.
$170/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,931)
Seth
Verified Review

Progressive is a dishonest company. Stay away!

Reviewed in Texas on July 2025
They mischaracterized an accident I had that was clearly the fault of the other driver (a truck trailer being towed swung over the solid white line while I was stationary and hit the front left corner of my car) and raised my premium significantly. My agent has spent over a month attempting to correct this issue but with little result, even though I had a witness and provided her contact information to the insurer. Getting any positive results seems impossible. For this reason, I want to change carriers from Progressive on principle.
Irene
Verified Review

Lastly, I wouldn't trust them again

Reviewed in North Dakota on July 2025
They raised the premium and charged me too much money, even for no-fault accidents. They just care about money.
Cynthia
Verified Review

Bad Insurance

Reviewed in New York on July 2025
When my policy was issued, without my knowledge, they said I hadn't had previous insurance and charged me a higher premium. When renewal came up, the premium was raised by over $70. That's when I found out about the error in my information. When I called my broker, who made the mistake, they were unwilling to help solve the problem. As it stands now, I am paying more for my insurance than my car payment. I use my car less than 5,000 miles per year.
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive is the second-largest U.S. auto insurer by market share. The company offers more than 30 insurance products, including auto, home, renters, motorcycle, life, and more. Progressive customers can save through numerous discounts, including ones for bundling auto with a Progressive home or renters policy, for good students or students away at school, enrolling in automatic payments, and more. The insurer’s optional coverages are robust, from loan/lease payoff coverage to providing up to $1,000 for veterinary bills if your pet is injured while riding in your car with you.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

  • Optional coverage for pet injuries

Cons
  • Much lower-than-average overall customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study

  • Trustpilot rating of 1.1 stars (out of 5) from more than 1,000 reviews

  • Rates trend higher than rates from many competitors

3. GEICO

GEICO logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$113/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$144/mo
4.0
Best choiceBased on 12,003 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 (6,437)
Jon
Verified Review

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Reviewed in Washington on July 2025
I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.
Richard
Verified Review

Pricing Information

Reviewed in Florida on July 2025
They quoted me one price, but when I called them back, they gave me another, higher price.
Jacq
Verified Review

My policy is expensive and customer service is lacking

Reviewed in New Jersey on July 2025
I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.

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

4. Allstate

Allstate logo
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.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$66/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.
$133/mo
3.9
A solid optionBased on 6,865 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,656)
Patricia
Verified Review

Not satisfied

Reviewed in Alabama on July 2025
Their prices have become unreachable, and the service at the office I use has declined significantly. The office personnel don't speak English very well, so I rarely contact them for anything.
William
Verified Review

Service good, cost too high

Reviewed in New Hampshire on July 2025
Very good customer service by George, but the car insurance quote was too high.
Caryl
Verified Review

Loved Allstate

Reviewed in Delaware on July 2025
The best. Wish I could use them in Delaware.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Ample opportunities for bundling discount

  • Offers a pay-per-mile option

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

  • Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study

5. Liberty Mutual

Liberty Mutual logo
User Reviews
3.6
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.
7.7 /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.
$180/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.
$246/mo
3.6
A solid optionBased on 3,026 verified guest reviews and ratings
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual

Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,736)
Echo
Verified Review

They Rob Your Wallet

Reviewed in South Carolina on July 2025
They raised rates consistently every 6 months.
Jan
Verified Review

Worst Insurance Company

Reviewed in Tennessee on July 2025
Listed phone numbers are diversions to other companies not related to car insurance at all. No phone number works. You cannot reach a representative from any number listed for Liberty Mutual Auto Insurance. This company increases the premium every few months! I started with a $41 premium and it is now $59. I cannot afford this on a limited income and cannot reach anyone to cancel it. It's the worst experience ever. Do not recommend at all, ever!
Elisa
Verified Review

It is wise to review your insurance coverage and costs before renewing.

Reviewed in Washington on July 2025
Stay on top of changes to cost, policy, and coverages during the renewal process. It's easy to assume things are the same.
See all Liberty Mutual reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

  • Available in all 50 states and D.C.

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

  • Low customer satisfaction scores from J.D. Power

6. Travelers

Travelers logo
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.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$96/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$190/mo
4.7
Best choiceBased on 907 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 (471)
N A
Verified Review

Time to Lower the Bill

Reviewed in Texas on July 2025
They have been great except for the point of going up in price.
Jesus
Verified Review

Excellent

Reviewed in California on June 2025
No bad experiences with Travelers.
John
Verified Review

Looking for Good Car Insurance at a Reasonable Rate

Reviewed in Florida on June 2025
Simply stated, Travelers has given me a good rate and the service they promise.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers is the sixth-largest insurer in the U.S. by market share and has been in business for more than 150 years. The company sells auto, homeowners, renters, flood, pet, and other types of insurance. In addition to standard auto coverages, like liability, collision, and comprehensive coverage, Travelers offers gap insurance, accident forgiveness, new car replacement, and more optional coverages. Drivers can save with numerous discounts, including for bundling policies or insuring a new car. Travelers’ IntelliDrive program rewards policyholders with up to a 30% discount for safe driving.

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

7. USAA

USAA logo
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.
$49/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.
$99/mo
4.9
Best choiceBased on 2,107 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 (1,195)
William
Verified Review

May find more affordable.

Reviewed in Washington on July 2025
Great service, too high premiums.
Errin
Verified Review

They Could Do Better!

Reviewed in Florida on July 2025
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
Herbert
Verified Review

Personally beneficial

Reviewed in Maryland on July 2025
Very easy to work with.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.

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

8. Chubb

Chubb logo
User Reviews
3.6
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.
7.1 /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.
$118/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.
$226/mo
3.6
A solid optionBased on 8 verified guest reviews and ratings
Best For
High net worth drivers
Customer service
Classic car coverage
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (5)
Frances
Verified Review

Too Costly

Reviewed in Illinois on June 2025
The price is too high.
Cynthia
Verified Review

Excellent!

Reviewed in North Carolina on August 2024
Absolutely great!
Alexander
Verified Review

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

Reviewed in Florida on June 2024
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
See all Chubb reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.83
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Chubb is the largest publicly traded property and casualty insurance company in the world. The insurer caters to high-net-worth individuals, drivers looking for high-limit coverage, and anyone wanting a range of insurance products. Unfortunately, its auto insurance is available in only nine states, but Chubb’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance, as well as coverage for earthquakes and floods. Chubb has an A++ rating from AM Best for financial stability and credit strength.

Pros
  • Reputation for outstanding customer service

  • Numerous insurance products available

  • Fewer complaints than average with the National Association of Insurance Commissioners

Cons
  • Not available in every state

  • Tailored to serve luxury vehicles

  • Higher-than-average premiums

9. Farmers

Farmers logo
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /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.
$110/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.
$227/mo
3.8
A solid optionBased on 2,221 verified guest reviews and ratings
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers

Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.

AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,177)
Clarence
Verified Review

Dissatisfied with Policy Increase

Reviewed in Arkansas on July 2025
I've been with this company for a long time and have seen a few increases in my coverage. They just increased it again for renewal, but I've had my fill of increases and am in the process of looking for a new company.
Thomas
Verified Review

Good

Reviewed in Arkansas on July 2025
They are not cheap, but the service representatives are good.
Linda
Verified Review

Farmers' NO BUENO

Reviewed in Nevada on June 2025
I was horrified when a representative at Farmers started raising their voice at me over the phone. I was upset over my increasing monthly premiums. They had increased 180% over a year's time, not due to any claims!
See all Farmers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Farmers Insurance sells policies in 42 states, and its more than 30 insurance offerings include auto, home, renters, earthquake, life, business, and pet insurance. Farmers has more than 20 auto insurance discount options, providing many ways drivers can save on premiums. Drivers can qualify for discounts by bundling policies, paying in full, being accident-free for five years, installing anti-theft devices, and taking a defensive driving course, among other things. Farmers also receives fewer customer complaints than the market average with the National Association of Insurance Commissioners.

Pros
  • Many auto insurance discounts

  • Robust roadside assistance program

  • Offers customized equipment coverage add-on

Cons
  • Lower customer satisfaction scores from J.D. Power

  • Tends to have higher premiums than some competitorsNot available in every state

10. Nationwide

Nationwide logo
User Reviews
4.3
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.
$90/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.
$181/mo
4.3
Best choiceBased on 867 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 (485)
David
Verified Review

Switching to Progressive

Reviewed in Washington on June 2025
Don't get Roadside Assistance. We were stuck 800 miles from home with a flat tire and were told they could not find anyone to assist us. Thank God there was a Les Schwab Tire Center in town.
Bettye
Verified Review

BG's Lament

Reviewed in Florida on June 2025
They will not give you a bundle price, and are higher than other companies. You wonder if you are being given all the reductions allowed for a good driving record, living in Florida.
Nicholas
Verified Review

Poor

Reviewed in California on May 2025
Nationwide is very overpriced for what they offer.
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide operates in 46 states and Washington, D.C., selling car, homeowners, life, umbrella, and more types of insurance coverage. In addition to liability, collision, and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap insurance. The company also offers a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A rating from AM Best for financial stability and fewer-than-expected customer complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

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

10 top regional insurers

Regional car insurance companies serve drivers in only a select number of states — not nationwide. But they’re still good choices for many people.

Since regional insurers serve fewer customers than national insurers, they’re often more available for customer service. Local insurance companies may also have more expertise on your area and on which risk factors and local laws will affect your car insurance rates. And importantly, regional insurers can often offer more affordable rates than large ones.

Here’s a closer look at 10 of the top regional insurers in the country.

1. American Family

American Family logo
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.
$74/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.
$149/mo
4.5
Best choiceBased on 468 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
Verified Review

American Family Insurance

Reviewed in Florida on May 2025
Purchased through Costco and it originally saved me a lot of money.
Scott
Verified Review

Check the Fine Details

Reviewed in Oregon on May 2025
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
Verified Review

Pricing Themselves Out of Customers!

Reviewed in Oregon on April 2025
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.
See all American Family reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

In business for more than 90 years, American Family sells car insurance in 19 states. Drivers who bundle their American Family car insurance policies with its homeowners insurance can save up to 23%. Safe drivers can benefit from American Family’s usage-based program, which gives an automatic 10% discount, while those who drive less than 7,500 miles per year may save with its low-mileage discount. American Family ranks second for customer satisfaction in the Central region, according to J.D. Power’s 2024 U.S. Auto Insurance Study.

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

2. Auto-Owners

Auto-Owners logo
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.
8.2 /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.
$37/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.
$70/mo
3.9
A solid optionBased on 204 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (120)
Thomas
Verified Review

Fair Insurance, One Bad Agent

Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Roy
Verified Review

I don't have anything to add

Reviewed in Wisconsin on June 2025
Good company, but I didn't care for their premiums going up this year just for liability and roadside service.
Ann
Verified Review

Satisfaction

Reviewed in North Carolina on June 2025
I like paying all at one time.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners serves nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners superior financial strength and credit ratings, and the company receives significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Complaint Index. J.D. Power also ranks the insurer highly for claims satisfaction. Auto-Owners offers several discounts, including for having multiple policies, choosing paperless billing, and paying in full.

Pros
  • High customer satisfaction

  • Multiple discounts

  • Employs more than 48,000 agents

Cons
  • Only available in 26 states

  • Poor 2.1 Trustpilot score

  • Doesn’t offer online quoting

3. COUNTRY Financial

Country Financial logo
User Reviews
3.6
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.
$23/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.
$45/mo
3.6
A solid optionBased on 49 verified guest reviews and ratings
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (30)
Nan
Verified Review

Good

Reviewed in Georgia on March 2025
I would like my representative to return my calls. My coverage has been average.
Donna
Verified Review

Ok

Reviewed in Illinois on March 2025
The policy is good, but it's too pricey.
Ida-Marie F
Verified Review

Good Company

Reviewed in Georgia on December 2024
They are honorable and pay our claims promptly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Launched in 1925, COUNTRY Financial continues to offer auto, home, life, and other types of insurance to this day. The insurer offers liability and full-coverage car insurance, plus optional coverages like roadside assistance and windshield replacement. Policyholders can save with numerous discounts, like for multiple policies, multiple cars, legacy (unmarried children of policyholders), engaged couples, and certain occupations. AM Best gives the company superior ratings for financial stability and credit strength.

Pros
  • Generally positive customer reviews

  • Unique discounts available

  • Often has lowest available rates

Cons
  • Not available in every state

  • Doesn’t offer rideshare insurance

  • Doesn’t offer online quotes

4. Elephant

Elephant logo
User Reviews
3.6
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.
8.6 /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.
$129/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.
$186/mo
3.6
A solid optionBased on 128 verified guest reviews and ratings
How drivers feel about Elephant

Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.

AI-generated from the text of verified reviews collected by Insurify
Best For
Optional coverages
Good drivers
Numerous discounts
How drivers feel about Elephant

Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.

AI-generated from the text of verified reviews collected by Insurify
Best For
Optional coverages
Good drivers
Numerous discounts
Reviews (67)
Jill
Verified Review

Save with Elephant Insurance on a 6-Month Policy

Reviewed in Texas on May 2025
They are the least expensive auto insurance I have found. I pay only $58 a month, but every 6 months, it's $350. I haven't found another insurance company that could match that; they're more expensive. The reason why I was looking was because I kept seeing these ads for auto insurance for as low as $19 a month, but I haven't found that anywhere. So I think I'll stick with Elephant because everybody else wanted $80 or over $100 a month, and that's ridiculous. I haven't had any tickets or accidents, absolutely clean record for over 20 years. In my opinion, Elephant Insurance is the best!
Elizabeth
Verified Review

Ehh

Reviewed in Texas on April 2025
Expensive
Shamika
Verified Review

High Prices and Mandatory Auto Pay

Reviewed in Virginia on April 2025
I would not recommend my family to insure their cars with Elephant.
See all Elephant reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.93
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

5. Erie

Erie Insurance logo
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.
8.4 /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.
$90/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
4.0
Best choiceBased on 350 verified guest reviews and ratings
How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (185)
Chester
Verified Review

A great insurance company

Reviewed in Louisiana on July 2025
Always great and timely service.
David
Verified Review

Searching for lower costs

Reviewed in Tennessee on June 2025
Cheapest as far as cost so far.
Thomas
Verified Review

Average

Reviewed in Pennsylvania on June 2025
I had full coverage on two cars. When I switched to one car, I had to pay more.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Erie Insurance has been selling auto coverage since 1925. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. AM Best gives Erie superior ratings for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners and ranks third in overall customer satisfaction, according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.

Pros
  • Excellent BBB, J.D. Power, and AM Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

  • Offers numerous optional auto coverages

Cons
  • Available in only 12 states

  • Customers can’t buy a policy or file a claim online

  • Offers fewer discounts than competitors

6. National General

National General logo
User Reviews
3.4
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.
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.
$100/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.
$186/mo
3.4
A solid optionBased on 591 verified guest reviews and ratings
How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (279)
Myron
Verified Review

Policy Cancelled June 23rd, 2025

Reviewed in Texas on July 2025
Okay, but their premiums far exceed other carriers.
Jared
Verified Review

Bloated = National General

Reviewed in North Carolina on June 2025
Too expensive for such minimal coverage.
Donna
Verified Review

Started with a good price, now it's ridiculous!

Reviewed in North Carolina on June 2025
They started out great with a good price, but then steadily increased every year. From $300 a year after several years, they now want $950 this year, so I am looking for a new company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

National General is part of Allstate. The insurer offers personal and commercial car insurance, home insurance, renters coverage, and more through a nationwide network of independent agents. National General offers liability, collision, and comprehensive auto insurance. The company has an excellent A- rating from AM Best for financial strength and long-term credit, meaning National General should be able to pay policyholder claims. But the company has nearly six times the expected number of complaints in the National Association of Insurance Commissioners Complaint Index.

Pros
  • Has 24-hour claims processing

  • Offers $500 emergency expense allowance

  • Low-mileage drivers could save with DynamicDrive program

Cons
  • Poor customer reviews with Better Business Bureau

  • Quotes may be higher than some competitors

  • Bad 1.6/5 Trustpilot score

7. NJM

NJ Manufacturers logo
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 /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.
$85/mo
3.9
A solid optionBased on 75 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 (15)
Luciano
Verified Review

Excellent

Reviewed in Connecticut on July 2025
Competitive rates.
Thomas
Verified Review

NJM good company except for price

Reviewed in New Jersey on May 2025
It's all about the price. A 20% price increase is unacceptable.
Keith
Verified Review

Not worth my time in the end

Reviewed in New Jersey on May 2025
Make sure you read the policy and check all your coverage values. I found a number of quotes cheaper because they dropped my coverage amounts.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
711
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.19
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

NJM launched in 1913 to provide workers compensation to New Jersey businesses. In 1921, the company added auto and homeowners insurance. Today, NJM also sells renters, condo, umbrella, watercraft, motorcycle, and ATV insurance in Connecticut, Maryland, Ohio, and Pennsylvania, as well as in New Jersey. AM Best gives the company an A+ rating, and NJM has a much lower than expected number of consumer complaints with the National Association of Insurance Commissioners Consumer Complaints Index.

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

8. SafeAuto

SafeAuto logo
User Reviews
3.2
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.
NR
3.2
A solid optionBased on 229 verified guest reviews and ratings
How drivers feel about SafeAuto

Customers appreciate the ease of payment and efficient customer service but dislike the high rates and unexpected price increases. Some also find the app and website difficult to navigate.

AI-generated from the text of verified reviews collected by Insurify
Best For
Minimum coverage
Numerous discounts
Flexible payments
How drivers feel about SafeAuto

Customers appreciate the ease of payment and efficient customer service but dislike the high rates and unexpected price increases. Some also find the app and website difficult to navigate.

AI-generated from the text of verified reviews collected by Insurify
Best For
Minimum coverage
Numerous discounts
Flexible payments
Reviews (128)
Princess
Verified Review

Fair

Reviewed in Alabama on March 2025
I think it's fair, but they need to lower the cost for older cars.
Shawn
Verified Review

Insurance as Usual

Reviewed in Texas on October 2024
I paid them every month without making any claims. However, after the policy ended, they increased the price by almost $50 per month. I'm tired of insurance companies doing this.
Victoria
Verified Review

Fair

Reviewed in Ohio on July 2024
Be friendlier, look for discounts. Don't sound so bored and don't be rude.
See all SafeAuto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
5.22
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

9. State Auto

State Auto logo
User Reviews
3.7
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.
7.1 /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.
$121/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.
$224/mo
3.7
A solid optionBased on 28 verified guest reviews and ratings
How drivers feel about State Auto

Drivers appreciate the reasonable initial rates but dislike the unexpected rate increases and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Business auto coverage
Farm auto coverage
Safe drivers
How drivers feel about State Auto

Drivers appreciate the reasonable initial rates but dislike the unexpected rate increases and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Business auto coverage
Farm auto coverage
Safe drivers
Reviews (10)
Ulysses
Verified Review

OEM Parts Replacement

Reviewed in Alabama on April 2025
If you need OEM parts, I don't recommend this insurer.
David
Verified Review

Good rates, poor customer service

Reviewed in Kentucky on March 2025
The rates are good, but the customer service from the company (not the agent!) leaves much to be desired, especially when it comes to roadside assistance.
Brandon
Verified Review

Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.

Reviewed in on June 2023
Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
6.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

State Auto is a part of Liberty Mutual. The insurer sells policies in “select” states, but its website doesn’t specify which. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include ones for multiple policies, driver education and safety courses, anti-theft equipment, and paying in full. State Auto has double the expected number of complaints in the National Association of Insurance Commissioners Complaint Index.

Pros
  • Up to 50% discount with Safety 360 telematics policy

  • Numerous discounts available

  • Excellent (A) financial strength rating from AM Best

Cons
  • Not available in all states

  • Online quotes and purchasing not available

  • Doesn’t offer home insurance

Cheapest car insurance companies

A variety of different factors affect how much you’ll pay for car insurance, including your driving record, age and gender, and location. Insurers also consider things like your vehicle’s age, condition, and safety features, as well as whether it’s been in an accident. In many states, insurers also consider your credit history when determining rates.[2]

Your coverage level will also play a big role in how much you pay. Every state except New Hampshire requires liability car insurance, so you’ll need to meet your state’s minimum requirements. This covers bodily injury and property damage, but you’ll likely want to purchase full-coverage car insurance to protect yourself and your vehicle more thoroughly.[3]

Check out the table below to see the cheapest car insurance companies for both coverage levels.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
COUNTRY Financial$23$45
Auto-Owners$37$70
USAA$49$99
State Farm$56$116
Mile Auto$63$99
Allstate$66$133
NJM$70$85
American Family$74$149
CSAA$86$133
Safeco$90$147
Nationwide$90$181
Erie$90$117
Mercury$92$166
Commonwealth Casualty$95$248
Root$95$145
Travelers$96$190
Dairyland$99$289
Direct Auto$100$179
National General$100$186
The General$103$198
Progressive$105$170
Bristol West$108$227
Farmers$110$227
GEICO$113$144
Chubb$118$226
21st Century$120$229
GAINSCO$121$257
State Auto$121$224
Elephant$129$186
Clearcover$137$198
AssuranceAmerica$139$253
Shelter$169$231
Liberty Mutual$180$246
The Hartford$181$229
Amica$323$401
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.

How much does car insurance cost?

Full-coverage car insurance costs have increased by 15% since the start of 2024, according to Insurify’s latest report. Insurify’s data science team projects rates to increase by a total of 22% over the year. These dramatic increases are largely due to record losses ($33.1 billion) that insurers suffered in 2022.

In 2023, insurer losses were cut in half to $17 billion but were still large enough to cause rate increases. The increasing costs of vehicle repairs and new cars are the main causes of these record losses.

Another factor is the increase in severe weather events, which leads to increased claims in affected areas. The cost of insuring cars keeps rising, so insurers continue to raise rates to account for it. As of now, the average full-coverage car insurance premium in the U.S. is $193 per month, or $2,322 per year.

How to choose the best car insurance company

Finding the best car insurance company for you and your needs is easier said than done. Use this checklist when starting your search:[4]

  1. Figure out what coverage you need. Think about how you use your car, how often you drive, if you’re in traffic frequently, and how much coverage you can afford. Consider if other family members will use the car, especially if you have any teen drivers or young drivers.

  2. Research car insurance companies in your area to get an idea of what’s available. Ask friends and family about their car insurance companies and whether they’re satisfied with them. It’s also a good idea to look up what additional coverages and services each offers in case you need to expand your coverage.

  3. Compare quotes. This is the most important step. Make sure you compare car insurance quotes from all the companies you’re considering. Every insurer determines rates differently, so it’s important to know which one fits your unique driving profile best.

  4. Check customer reviews, ratings, and financial stability. It’s important to have an insurance company that will be easy to work with if you need to file a claim. Look for a company with a strong AM Best financial strength rating, a large network of customer service agents, and a good mobile app.

  5. Pick the best policy. Don’t just choose the policy with the lowest rates. Choose a company that combines affordable rates, reliable customer service, and the insurance coverage you need. You should review your car insurance policy and company each year to see if any other companies better suit your needs.

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5 ways to save on car insurance

Fortunately, you can find numerous ways to save money on your car insurance policy. Take a look at this list to get started:[5]

  • illustration card https://a.storyblok.com/f/162273/150x150/28fd0b0ea3/car-and-driving-96x96-blue_023-driving-test.svg

    Drive safely

    Start by driving safely and keeping a clean driving record. Good drivers get the cheapest rates of any group on the road, as insurers have little reason to be concerned about potential claims from them.

  • illustration card https://a.storyblok.com/f/162273/150x150/8055843166/car-service-96x96-orange_040-garage.svg

    Bundle policies

    Most insurance companies offer discounts for bundling multiple insurance policies with them. Consider combining your auto and home or renters insurance with one company.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Take advantage of discounts

    Just about every auto insurance company offers multiple discounts. Ask your insurance agent which discounts are available and which you qualify for. You can end up saving quite a bit.

  • illustration card https://a.storyblok.com/f/162273/150x150/42a396bd18/credit-and-loan-96x96-green_033-discount.svg

    Increase your deductible

    If you can afford to pay a higher deductible out of pocket, you could save on your premium. The higher your deductible is, the lower your premium will be.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare car insurance quotes

    Always compare quotes from at least three different insurance companies before buying an auto insurance policy. This is one of the best ways to save money on car insurance and find the best companies.

Car insurance companies FAQs

If you still have questions about the best auto insurance companies in the country, check out the following information as you’re researching your coverage options.

  • Which company typically has the cheapest car insurance?

    COUNTRY Financial​ typically has the cheapest car insurance. Drivers pay a national average rate of $23 per month for liability coverage and $45 for full coverage with COUNTRY Financial​.

  • What is the most popular car insurance company?

    State Farm is the most popular car insurance company in the United States. It has the largest market share of any insurer in the country, taking 18.3% of the U.S. market share.

  • What is the best car insurance company for new drivers?

    GEICO is the best car insurance company for new drivers. It has an IQ Score of 9.2 out of 10 and offers new drivers affordable coverage options, add-ons, good customer service, and a variety of discounts and other insurance products.

  • What company offers the best value for car insurance?

    The company offering the best value for car insurance for you depends on things like your ZIP code, driving record, and coverage needs. But State Farm, Allstate, and USAA stand out nationwide as the best, cheapest, and most widely available. Keep in mind that USAA is available only to drivers affiliated with the military.

Sources

  1. National Association of Insurance Commissioners. "2023 Top 25 Groups and Companies by Countrywide Premium."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Insurance Information Institute. "Automobile Financial Responsibility Laws By State."
  4. Insurance Information Institute. "How to find the right auto insurance."
  5. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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