List of Car Insurance Companies (2026)
State Farm, American Family, and NJM are among the best car insurance companies for their high customer satisfaction and affordable rates.
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Written byDanny Smith
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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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Edited bySarah Archambault
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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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Table of contents
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 $43.
National insurance companies
Insurance Company  | User Reviews Score | Number of Reviews |
|---|---|---|
| AAA | 4.5 | 2,296 |
| Allstate | 3.8 | 8,000 |
| Amica | 4.5 | 174 |
| Chubb | 3.7 | 9 |
| Encompass | 4.1 | 22 |
| Esurance | 4 | 1,089 |
| Farmers | 3.8 | 2,366 |
| GEICO | 4 | 13,744 |
| Liberty Mutual | 3.5 | 3,274 |
| Nationwide | 4.3 | 904 |
| Progressive | 3.2 | 15,262 |
| Safeco | 4.4 | 954 |
| State Farm | 4.1 | 13,214 |
| The General | 3.4 | 1,061 |
| The Hartford | 4.2 | 1,630 |
| Travelers | 4.7 | 1,043 |
| USAA | 4.9 | 2,559 |
Regional insurance companies
Insurance Company | User Reviews Score | Number of Reviews |
|---|---|---|
| 21st Century | 4 | 190 |
| Acuity | 4.5 | 28 |
| Alfa | 4.3 | 55 |
| American Alliance | 3.2 | 17 |
| American Family | 4.5 | 530 |
| Anchor | 3.8 | 13 |
| Aspire General | 4 | 113 |
| AssuranceAmerica | 3.8 | 94 |
| Auto-Owners | 4.3 | 264 |
| Bristol West | 3.2 | 538 |
| Clearcover | 3.7 | 61 |
| Commonwealth Casualty | 3.7 | 38 |
| Country Financial | 4 | 58 |
| CSE | 4.8 | 4 |
| Dairyland | 4 | 350 |
| Elephant | 3.9 | 160 |
| Erie Insurance | 4.4 | 432 |
| Frankenmuth | 3.9 | 9 |
| Freeway | 3.8 | 46 |
| GAINSCO | 3.6 | 166 |
| Grange | 4 | 48 |
| Hallmark | 4.2 | 9 |
| Hanover | 4.3 | 33 |
| Hastings Mutual | 4.8 | 10 |
| Infinity | 3.8 | 179 |
| Kemper | 3.7 | 336 |
| MAPFRE | 3.7 | 81 |
| Mercury | 4 | 598 |
| Metromile | 4.1 | 93 |
| National General | 3.7 | 828 |
| NJ Manufacturers | 4.2 | 101 |
| Pekin | 4.5 | 21 |
| PEMCO | 4.1 | 24 |
| Plymouth Rock | 3.9 | 272 |
| Root | 3.4 | 972 |
| SafeAuto | 3.4 | 234 |
| Safeway | 3.8 | 64 |
| Secura | 4.8 | 4 |
| Shelter Insurance | 4.2 | 124 |
| State Auto | 4.1 | 33 |
| Sun Coast | 4 | 33 |
| Traders | 4.7 | 9 |
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National liability rates average $99 per month
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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
| 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. | $108/mo |
4.1
Best choiceBased on 13,214 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 (6,692)
Steve
Verified Review
Current Insurance
Reviewed in California on December 2025
Premiums are too high, but they are high everywhere.
Larry
Verified Review
Excellent
Reviewed in Washington on December 2025
Great, except they keep raising rates.
David
Verified Review
Big Dave’s Review
Reviewed in Kentucky on December 2025
Great coverage and it's nice how State Farm provides linking coverage across vehicles so you do not overpay for the same coverage across multiple vehicles. If you pay for certain coverage on one vehicle, it is applied to all vehicles, which saves quite a bit of money.
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 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
| 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. | $97/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. | $167/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 (7,651)
Carole
Verified Review
I just pay the bill, that's all there is to tell
Reviewed in Virginia on December 2025
Too expensive.
Dean
Verified Review
Got my rate cut in half because I did not get an agent involved and I drive low mileage. It was helpful, and I'm getting almost $500 back from my previous policy.
Reviewed in South Carolina on December 2025
Got my rate cut in half because I did not get an agent involved and I drive low mileage. It was helpful, and I'm getting almost $500 back from my previous policy.
Karen
Verified Review
The policy is in 6-month increments. At the end of the 6 months, the premium increases significantly. I was given discounts when I signed up, which apparently disappear after six months. It feels like a bait and switch operation.
Reviewed in Washington D.C. on December 2025
The policy is in 6-month increments. At the end of the 6 months, the premium increases significantly. I was given discounts when I signed up, which apparently disappear after six months. It feels like a bait and switch operation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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
| 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. | $88/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. | $141/mo |
4.0
Best choiceBased on 13,744 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 (7,006)
Joan
Verified Review
Need the less than 50 mi per day discount
Reviewed in Utah on December 2025
I drive my car maybe some days about 20 miles to my volunteer job and am paying as much as someone driving 120 miles per day. Whatever happened to the discount for driving less than 50 miles per day? I have not seen any of it.
Ronald
Verified Review
Fair
Reviewed in Nebraska on December 2025
They won't negotiate a lower rate, even though I'm driving less because I retired.
Alan
Verified Review
Too expensive for the mileage per month or per year that I put on my car. I drive less than 400 miles a month.
Reviewed in Florida on December 2025
Too expensive for the mileage per month or per year that I put on my car. I drive less than 400 miles a month.
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, 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
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/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. | $141/mo |
3.8
A solid optionBased on 8,000 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 (4,014)
Van
Verified Review
Phone calls not received yet
Reviewed in California on December 2025
I didn't know that the policy was written in a way that it didn't cover the item when you first receive it. I was told that I needed to have the manufacturer involved first. I have tried contacting them, but they have not returned my phone calls. It's been frustrating.
Tracey
Verified Review
They Get You but then they GET YOU
Reviewed in Texas on December 2025
They raise your premium significantly every 6 months. I drive about 5,000 miles a year. The vehicle sits in the garage 85% of the time. I have had one claim my entire driving existence that cost under $1,500 (driving for 30 years since 1995) and that occurred in 2017. So no claims in 9 years. It is ridiculous that my premium goes up every 6 months.
Kenneth
Verified Review
Acceptable
Reviewed in Texas on December 2025
I have been with Allstate for over 40 years. I don't know how to compare them with anyone else. The claim handling has been good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
| User Reviews | 3.5 |
|---|---|
| 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. | 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. | $155/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. | $211/mo |
3.5
A solid optionBased on 3,274 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 (1,827)
Sueellen
Verified Review
Knowledgeable
Reviewed in New York on December 2025
Helpful, friendly, knowledgeable.
Thomas
Verified Review
Fed up
Reviewed in New York on December 2025
Liberty Mutual used to be a good company. But since the pandemic, that has changed dramatically. There are no more agents or local outlets to visit. Websites are the only way to interact, and they won't do what is actually needed. Prices are increased every year needlessly, no matter what. I'm pretty tired of them and gave up being a customer after 43 years with them.
Mark
Verified Review
Worse than paying taxes
Reviewed in Georgia on December 2025
I have been a customer for over 5 years. In that time, my premiums have increased by 50% with no claims, accidents, tickets, or other negative events. When I inquired about the increase, they said they did so "because they could." I'm currently seeking a more reputable provider.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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
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
| 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. | $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. | $187/mo |
4.7
Best choiceBased on 1,043 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 (519)
William
Verified Review
Average
Reviewed in New York on December 2025
It's basic coverage at a very high rate. Unfortunately, living in NY is very expensive.
Michael
Verified Review
The auto insurance industry brags about their lower prices. The agents are friendly, but the prices aren’t.
Reviewed in Arizona on December 2025
The auto insurance industry brags about their lower prices. The agents are friendly, but the prices aren’t.
Jose
Verified Review
Travelers Outstanding Service
Reviewed in Florida on December 2025
The best insurance company that I have ever worked with.
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 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
| 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. | $53/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 2,559 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 (1,367)
Scott
Verified Review
USAA is good but shop around. You could do better.
Reviewed in Colorado on December 2025
Overpriced compared to other carriers.
Don
Verified Review
Good coverage and great customer service.
Reviewed in Indiana on December 2025
My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.
Marc
Verified Review
Staying with
Reviewed in Massachusetts on December 2025
Unique and much cheaper than any others.
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 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
| 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. | $120/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. | $216/mo |
3.7
A solid optionBased on 9 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.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.83A.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
| 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. | $212/mo |
3.8
A solid optionBased on 2,366 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 (1,115)
Lois
Verified Review
State Farm was at the best rate
Reviewed in Montana on December 2025
Just got their insurance.
Joe
Verified Review
A Bit of a Communication Issue with Farmers
Reviewed in Missouri on November 2025
It's been a bit difficult lately to directly contact the agent who initially signed me up and saved me a lot of money on my home insurance bundled with my auto insurance. The office assistant got me insurance for a new vehicle recently, but I think the rate is too high. I am going to attempt to get through to the agent I used initially. It could be just the issue of using the phone instead of a direct email to the person I am referring to.
Larry
Verified Review
Car Insurance Choices
Reviewed in Nebraska on November 2025
In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.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
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 competitors
Not available in every state
10. Nationwide
| 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. | $97/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. | $182/mo |
4.3
Best choiceBased on 904 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 (500)
Dan
Verified Review
Great service
Reviewed in Colorado on December 2025
Thankfully, we haven't had any claims, but I'm confident that Nationwide will be there if we do.
Joyce
Verified Review
Excellent
Reviewed in New York on November 2025
Find an insurance that helps out senior citizens.
Raymond
Verified Review
Above Average
Reviewed in New York on November 2025
Good experience, especially with the claims department.
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
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
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $151/mo |
4.5
Best choiceBased on 530 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 (252)
Timothy
Verified Review
Be Cautious with American Family Insurance
Reviewed in Virginia on December 2025
Do NOT provide auto-withdrawal info to American Family. My withdrawals increased from $1200 to $3800 annually from one year to the next, without notice, and I have a perfect driving record. Keep a very sharp eye on this company, and make sure you make manual payments.
Becky
Verified Review
Pricey
Reviewed in Illinois on December 2025
The premiums are high and discounts are hard to get.
Lotette
Verified Review
Satisfaction Survey
Reviewed in Washington on December 2025
No problem; however, it's expensive despite never having a claim for our autos. The same goes for my very, very expensive home insurance!
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
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
| 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. | 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. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $81/mo |
4.3
Best choiceBased on 264 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 (133)
Mike
Verified Review
Solid car insurance company
Reviewed in South Carolina on December 2025
They're very easy to talk to and will walk you through anything you need.
Julie
Verified Review
Too Much Money for Insurance
Reviewed in North Carolina on December 2025
As far as the people go, they are nice. I feel like I should not be paying so much for my car insurance because I have no tickets, no wrecks, and no DUIs at all.
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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
| 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. | 9.1 /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. | $43/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. | $79/mo |
4.0
Best choiceBased on 58 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 (34)
Tracy
Verified Review
Insurance Experience
Reviewed in Nevada on October 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Teresa
Verified Review
Getting too pricey
Reviewed in Illinois on October 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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
| 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. | 8.6 /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. | $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. | $170/mo |
3.9
A solid optionBased on 160 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 (74)
Nyree
Verified Purchase
Discounts for safe drivers are always welcome
Reviewed in Virginia on December 2025
Okay for the high inflated pricing right now. They’re the only ones that decreased my premium for excellent driving recently.
Laverne
Verified Purchase
Excellent Customer Service
Reviewed in Maryland on December 2025
My experience with Elephant Insurance was very, very good. They listened to what I needed and provided professional service.
Jay
Verified Purchase
Mixed Emotions
Reviewed on November 2025
The website is not so easy to navigate. There isn’t a way to contact the customer service team directly, and it looks like they are deliberately trying to make it difficult for the customer to get in touch with a real human who can assist them. However, if you miss one day in paying the bill, they are quick to send out a letter to cancel your policy. Their response to that is rapid fire!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.93A.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).
NRWhy we picked this company
5. Erie
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /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. | $76/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. | $121/mo |
4.4
Best choiceBased on 432 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 (209)
Steven
Verified Review
Too expensive for anyone with a great driving record and great credit
Reviewed in Pennsylvania on December 2025
My insurance company, as well as other insurance companies, base rates on other drivers and NOT the person buying the policy.
Mark
Verified Review
Erie Insurance
Reviewed in Pennsylvania on December 2025
Excellent in all aspects except one. Adding a young driver is considerably more expensive than other companies.
Betty
Verified Review
Good
Reviewed in North Carolina on November 2025
I hit a deer and my insurance went up by $50.00.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.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
| 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 /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. | $92/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. | $174/mo |
3.7
A solid optionBased on 828 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 (338)
Jean
Verified Review
National General Review
Reviewed in North Carolina on December 2025
I decided to start paying monthly, and it was a hundred dollars more than if I paid every six months. It's a rip-off. I will shop around before my 6 months is up in June 2026.
John
Verified Review
All about money, forget the customer and what should be done!
Reviewed in North Carolina on December 2025
I had a bad experience since both cars were insured by National General. We were both listed at fault when the other driver was going in the wrong direction in a no-pass zone. Since both cars had the same insurance, they increased the insurance rates on both cars. Poor decision. I'm looking for another company now!
Robert
Verified Review
Expensive Auto Insurance
Reviewed in Texas on December 2025
These guys are very expensive compared to other companies. I would not recommend them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.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
| 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. | $59/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 101 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 (17)
David
Verified Review
Boo NJM
Reviewed in New Jersey on October 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 2025
Okay, but I want a lower rate.
Luciano
Verified Review
Excellent
Reviewed in Connecticut on July 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 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
| 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. | NR |
3.4
A solid optionBased on 234 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.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
5.22A.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).
NRWhy we picked this company
9. State Auto
| 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. | 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. | $152/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. | $264/mo |
4.1
Best choiceBased on 33 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 (13)
Theresa
Verified Review
Excellent service
Reviewed in Arizona on October 2025
Affordable.
Eugene
Verified Review
Great
Reviewed in Arizona on September 2025
So far, a good company.
Connie
Verified Review
Overall, we have trusted & have been satisfied over our many years of coverage with them, both home
Reviewed in Michigan on August 2025
They don't have the best communication at the local level.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
6.28A.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, January 1 at 11:00 AM PST.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| COUNTRY Financial | $43 | $79 |
| Auto-Owners | $47 | $81 |
| USAA | $53 | $100 |
| State Farm | $56 | $108 |
| NJM | $59 | $93 |
| Mile Auto | $70 | $116 |
| Allstate | $75 | $141 |
| Erie | $76 | $121 |
| American Family | $81 | $151 |
| Commonwealth Casualty | $84 | $198 |
| Safeco | $87 | $141 |
| GEICO | $88 | $141 |
| Root | $90 | $151 |
| Dairyland | $92 | $240 |
| National General | $92 | $174 |
| The General | $93 | $180 |
| Direct Auto | $95 | $157 |
| Progressive | $97 | $167 |
| Nationwide | $97 | $182 |
| Mercury | $97 | $162 |
| Travelers | $100 | $187 |
| Bristol West | $101 | $205 |
| GAINSCO | $102 | $217 |
| Farmers | $110 | $212 |
| Anchor | $112 | $175 |
| Elephant | $113 | $170 |
| Chubb | $120 | $216 |
| AssuranceAmerica | $126 | $236 |
| Plymouth Rock | $132 | $208 |
| 21st Century | $133 | $238 |
| Clearcover | $141 | $195 |
| CSAA | $141 | $194 |
| Shelter | $144 | $231 |
| State Auto | $152 | $264 |
| The Hartford | $153 | $243 |
| Liberty Mutual | $155 | $211 |
| Amica | $273 | $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.
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 $175 per month, or $2,104 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]
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.
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.
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.
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.
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]
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.
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.
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.
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.
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 $43 per month for liability coverage and $79 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
- National Association of Insurance Commissioners. "2023 Top 25 Groups and Companies by Countrywide Premium."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Automobile Financial Responsibility Laws By State."
- Insurance Information Institute. "How to find the right auto insurance."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
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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.
Edited bySarah 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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