List of Car Insurance Companies (2024)

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 October 13, 2024

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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 $17.

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

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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.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

Read more driver reviews of State Farm
Mike - October 13, 2024
Verified

Excellent

Great people to work with.

Chad - October 13, 2024
Verified

Pricey

The coverage was good, but the rates kept increasing even though I had no tickets or claims.

Christin - October 13, 2024
Verified

Bad Experience

The quote was outrageous.

2. Progressive

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JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read more driver reviews of Progressive
Carolyn - October 13, 2024
Verified

Extremely High Cost

The prices are very high and car rental is not included.

Albert - October 13, 2024
Verified

Nothing impressive!

The premiums are too high!

Miguel - October 13, 2024
Verified

Poor

It's a very expensive insurance and covers very little.

3. GEICO

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User Reviews
3.1
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.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Read more driver reviews of GEICO
Becca - October 13, 2024
Verified

Disappointed

I thought I had roadside assistance, but ended up having to pay $140.00 for a tow.

Dorcas - October 13, 2024
Verified

Walk Away

Your insurance will increase even with an excellent driving record. I would not recommend this to any of my family and friends.

Mike - October 13, 2024
Verified

Poor

The cost is too high for me.

4. Allstate

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User Reviews
3.1
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.
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.
$62/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.
$137/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Read more driver reviews of Allstate
Don - October 13, 2024
Verified

Everything is good, but it's more expensive than other insurance companies I got quotes from online.

Everything is good, but it's more expensive than other insurance companies I got quotes from online.

Carolyn - October 13, 2024
Verified

Average

It's okay, but the rates are too high. I will be looking for a cheaper price.

Milton - October 12, 2024
Verified

Why I am leaving

Good company but prices are too high.

5. Liberty Mutual

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User Reviews
2.8
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.
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.
$138/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.
$254/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to 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 from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Dennis - October 13, 2024
Verified

They raised my premium by $300

This is not good.

Michael - October 13, 2024
Verified

Not Recommended

It's extensively time-consuming trying to get a real person.

Gregory - October 12, 2024
Verified

I'm not happy because they can't get anything right. I've given them my car's information five or more times, but they still can't get it right.

I'm not happy because they can't get anything right. I've given them my car's information five or more times, but they still can't get it right.

6. Travelers

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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.
9.0/10
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.
$89/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.
$194/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Read more driver reviews of Travelers
Melissa - October 10, 2024
Verified

Great Customer Service but High Rates

The rates are too high.

Joseph - October 10, 2024
Verified

Car Insurance

The rates are the lowest compared to other major insurance companies.

Andrew - October 7, 2024
Verified

Constant Rate Increases

The rates are constantly increasing.

7. USAA

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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.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/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

In business for more than 100 years, USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products, as well as banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including for bundling, insuring multiple vehicles, living on a military base, and more. A.M. Best gives USAA an A++ rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s Overall Customer Satisfaction Index. Customer reviews are mixed for service and claims processing.

Pros
  • 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

Read more driver reviews of USAA
Lennie - October 12, 2024
Verified

Review

Their service is good, but the rates are overpriced compared to other places.

Herbert - October 10, 2024
Verified

USAA's Rising Rates

I wouldn't recommend purchasing USAA. They continue to increase rates for your car as it ages, even if you have no tickets or claims. It feels like a rip-off.

Steven - October 8, 2024
Verified

High Cost

I am paying over $500 a month for car insurance, which is more than my monthly car payment.

8. Chubb

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User Reviews
2.8
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.
6.5/10
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.
$111/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.
$238/mo

Chubb is the largest publicly traded property and casualty insurance company in the world. Based in New Jersey, the company’s personal insurance products include auto, classic car, aircraft, homeowners, renters, and condo insurance, as well as coverage for natural disasters including earthquakes and floods. Auto insurance is only available in nine states. Chubb caters to high-net-worth individuals, drivers looking for high-limit coverage, and people looking for a range of insurance products. Chubb has an A++ rating from A.M. Best for financial stability and credit strength, and no complaints whatsoever in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Reputation for outstanding customer service

  • Numerous types of insurance products available

Cons
  • Not available in every state

  • Tailored to serve luxury vehicles

Read more driver reviews of Chubb
Cynthia - August 11, 2024
Verified

Excellent!

Absolutely great!

Alexander - June 18, 2024
Verified

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.

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.

Troy - October 6, 2021
Verified

Good

They are great to deal with, just expensive.

9. Farmers

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User Reviews
3.0
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.
8.3/10
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.
$112/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.
$248/mo

The seventh largest insurer in the U.S., Farmers has been in business for more than 100 years. The company offers about 30 different types of insurance, including auto, home, renters, flood, earthquake, life, and business insurance. Farmers offers numerous discounts, including for multiple cars, safe driving, anti-theft equipment, and bundling. Swiss insurer Zurich Insurance owns Farmers. With an A rating from A.M. Best for financial stability, Farmers has mixed online reviews from customers, and about four times as many complaints as expected in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Many discounts

  • Robust roadside assistance program

Cons
  • Lower customer satisfaction

  • Tends to have higher premiums than some competitors

Read more driver reviews of Farmers
Carol - October 12, 2024
Verified

Good

They're good, except they raised the insurance and then lowered it, but also lowered the policy.

Corey - October 12, 2024
Verified

Top-notch customer service from Sean Henderson

Due to a 3-week lapse in insurance, I was subjected to a 400% increase. Yes, I've had some incidents, but that's ridiculous.

Dirk - October 11, 2024
Verified

Farmers is Great

Superior service.

10. Nationwide

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User Reviews
3.3
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.
8.7/10
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.
$84/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.
$185/mo

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Read more driver reviews of Nationwide
Frank - October 13, 2024
Verified

Nationwide Leaving NJ

Everything was great until they decided to leave New Jersey. There was no explanation, just a notice.

Dennis - October 12, 2024
Verified

Nationwide's Unexpected Rate Increase

Nationwide raised my rates by 33% for no apparent reason on my part, other than what seems to be corporate greed.

Orlando - October 8, 2024
Verified

Great Insurance

Great rates.

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

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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.
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.
$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.
$167/mo

Founded in 1927 in Madison, Wisconsin, American Family Insurance offers more than a dozen types of insurance in 18 states throughout the midwestern and western U.S. The company has an excellent rating from A.M. Best for both financial strength and credit. American Family stands out for its high rate of customer satisfaction, with largely positive online consumer reviews and a well below-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index. American Family offers car insurance policyholders 16 different discounts to help lower their rates.

Pros
  • High rates of customer satisfaction

  • Numerous discount and coverage options

Cons
  • Only available in 18 states

  • Rates are merely moderate compared to other insurers

Read more driver reviews of American Family
Linda - October 13, 2024
Verified

I really wanted to like them

The agent's response time is long and they become defensive over the phone.

Dean - October 12, 2024
Verified

My Review

It's okay, but I'm looking for alternatives due to recent rate increases.

Tammy - October 8, 2024
Verified

American Family Review

There's poor follow-up to communication attempts. I emailed my agent and have yet to receive a reply over two weeks later; this is not the first occurrence. Delays in communication have also happened with the corporate office.

2. Auto-Owners

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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.
$35/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.
$76/mo

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.

Pros
  • High customer satisfaction

  • Multiple discounts

Cons
  • Only available in 26 states

Read more driver reviews of Auto-Owners
Karen - October 11, 2024
Verified

Knowledgeable Agent!

My agent explained all my options, knew what I wanted and found a great deal for me! Awesome experience and service!

Mary - September 30, 2024
Verified

Premium Too High

I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.

Charles - September 28, 2024
Verified

Auto Owners Insurance

This is a good company. However, their rates have become too expensive.

3. COUNTRY Financial

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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.
8.8/10
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.
$17/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.
$40/mo

COUNTRY Financial launched in Illinois in 1925, and today offers auto, home, life and other types of insurance products. A.M. Best gives the company an A+ rating for financial stability and credit strength. The company has a much lower-than-expected number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index. COUNTRY Financial offers liability and full-coverage car insurance, as well as home, life and disability. Policyholders can save money with multiple discounts from COUNTRY, including discounts for multiple policies, multiple cars, legacy (unmarried children of policy holders), engaged couples, and certain occupations.

Pros
  • Generally positive customer reviews

  • Unique discounts available

Cons
  • Not available in every state

  • Does not offer rideshare insurance

Read more driver reviews of Country Financial
James - October 8, 2024
Verified

Insurance Cost

The rates are increasing very quickly.

Dayna - September 17, 2024
Verified

Goodbye, Country Financial

I had been with Country Financial for over 30 years. However, they raised my auto rate by over $422.00 for a 6-month policy, which was the deal breaker. There was absolutely no reason for it.

Katlyn - July 15, 2024
Verified

Way too expensive

The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.

4. Elephant

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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.
8.3/10
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.
$111/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.
$195/mo

Read more driver reviews of Elephant
Denise - October 5, 2024
Verified

The customer service representatives were professional.

Elephant Insurance is an affordable company.

Ajay - October 1, 2024
Verified

Good Insurance Company

Great.

Martha - September 23, 2024
Verified

Would not recommend

There is incompetence across all areas of customer service.

5. Erie

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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.
9.0/10
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.
$50/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

For nearly 100 years, Erie Insurance has been selling auto coverage. 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. A.M. Best gives Erie an A+ rating for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners Customer Complaint Index, 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 A.M. Best ratings

  • Competitive rates for teenagers and drivers with speeding tickets

Cons
  • Available in only 12 states

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

Read more driver reviews of Erie Insurance
Francis - October 13, 2024
Verified

Great Insurance

Awesome! They have great customer service.

Kathy - October 12, 2024
Verified

Tammy is my agent and she is wonderful

Erie in Washington is wonderful.

Doan - October 9, 2024
Verified

Excellent

It's easy to buy what you need at a good price.

6. National General

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User Reviews
2.6
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.
6.8/10
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.
$80/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.
$166/mo

In business for more than 100 years, National General is part of Allstate. The company offers personal and commercial car insurance, homeowners insurance, renters coverage, and more, through a network of independent agents across the country. In addition to liability, collision, and comprehensive coverage, National General also offers accidental death and dismemberment, roadside assistance, and auto protection coverage. A.M. Best rates the company’s financial strength as excellent, meaning National General should be able to pay policyholder claims. However, the company has nearly seven times the expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons
  • Numerous online complaints

  • Quotes may be higher than some competitors

Read more driver reviews of National General
Connor - October 12, 2024
Verified

NG vs Progressive

It's good that they provided me with insurance the day I needed it, but it's unfortunate that they charged me $200 compared to the $130 I get with Progressive. I have the same policy with Progressive that I did with NG, but it's $70 cheaper.

Amber - October 11, 2024
Verified

Major Disappointment!

I was offered a lower rate with the app on my phone. Initially, it seemed like a great idea, but the app is always running in the background, draining my battery. Moreover, the app assumes I'm driving every time I'm in a vehicle. Consequently, I have to correct every event to show that I'm the passenger because using my phone counts against me. It's quite bothersome! I stopped taking the time every month to correct every occurrence and, as a result, my monthly rate increased. Also, when I had a claim, the representative was not friendly. After taking the vehicle to the shop for repairs, the cost was less than my deductible. So, I called to cancel the claim, only to find out later that it was not taken care of. This company's customer service is poor. I would never recommend it to my family or friends!

Brenda - October 9, 2024
Verified

Devastating and Exhausting Disappointment

They are terribly hard to reach and don't handle claims well. I've never had an accident in my life, but recently I had horrible luck. My car was hit in an accident and then it was stolen the next morning, which was totally devastating. The cost of paying for Uber to get my family around and myself to work is a fortune. My policy quoted me $156.00 a month, but it's actually $427 a month. I haven't had any changes since 2019, so I'm not sure why it's so high. They never explained why. I'm not happy at all. They even cancel your policy before the grace period is over and never return calls. Need I say more?

7. NJM

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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.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$30/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$54/mo

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 rate

Cons
  • Only available in five states

  • Cheaper rates may be available elsewhere

Read more driver reviews of NJ Manufacturers
Richard - September 23, 2024
Verified

Too expensive for what is offered

They raised our auto rates by over 33 percent even though we have over 5 clean years with no accidents or tickets. We switched to Progressive and saved over 1K for a year's coverage.

Grigoriy - June 1, 2024
Verified

Just after money, but found another. Now they're all together

They are very expensive. It's not clear why?

James - May 17, 2024
Verified

Excellent

Shop around for price.

8. Plymouth Rock

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User Reviews
3.3
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.
NR

Read more driver reviews of Plymouth Rock
Barbara - October 12, 2024
Verified

Used Towing

The road assistance is great.

Corey - October 9, 2024
Verified

Uncomfortable with tracking

They made me download Tubi so they could track every ride I took. I did not like that at all.

Carlo - September 28, 2024
Verified

Great Company to Work With

They are very good and very reasonable. I have no complaints at all.

9. SafeAuto

Compare personalized, real-time quotes
User Reviews
2.4
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.
3.6/10

Read more driver reviews of SafeAuto
Victoria - July 29, 2024
Verified

Fair

Be friendlier, look for discounts. Don't sound so bored and don't be rude.

Kevin - June 3, 2024
Verified

Poor Customer Service and Long Wait Times

They are not friendly.

Bambi - August 31, 2023
Verified

They left me open for 30 unnecessary phone calls, wasting my time! I got a quote for $70, but once I was prompted to put in more information, I couldn't find it. This feels like a scam!

They left me open for 30 unnecessary phone calls, wasting my time! I got a quote for $70, but once I was prompted to put in more information, I couldn't find it. This feels like a scam!

10. State Auto

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User Reviews
2.9
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.
8.5/10
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.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$194/mo

Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. 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 one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Ample options for customizing coverages

  • Numerous discounts available

Cons
  • Not available in all states

  • Online quotes and purchasing not available

Read more driver reviews of State Auto
Brandon - June 22, 2023
Verified

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

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

Lynnette - February 3, 2021
Verified

Average

Rate increase without notice upon renewal.

Barbara - March 17, 2019
Verified

Excellent

The rates for the auto coverage we get are reasonable.

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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
COUNTRY Financial$17$40
NJM$30$54
Auto-Owners$35$76
USAA$46$100
Erie$50$93
GEICO$55$121
State Farm$55$121
Mile Auto$56$101
Allstate$62$137
Root$64$110
Metromile$65$115
American Family$75$167
Safeco$79$142
Progressive$79$138
National General$80$166
Mercury$81$161
CSAA$83$130
Nationwide$84$185
Dairyland$87$231
Travelers$89$194
State Auto$91$194
Clearcover$94$179
The Hartford$98$174
Direct Auto$98$191
Shelter$106$206
Elephant$111$195
Chubb$111$238
The General$112$237
Farmers$112$248
21st Century$115$247
Commonwealth Casualty$116$308
Bristol West$122$267
GAINSCO$124$283
Foremost$137$292
Liberty Mutual$138$254
AssuranceAmerica$144$247
Amica$152$280
Infinity$181$254
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $211 per month, or $2,531 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 $17 per month for liability coverage and $40 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 9.0 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.

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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