The Best Auto Insurance Companies

We researched 36 of the best auto insurance providers based on their ability to serve customers and actually pay out claims; not just on premium cost. Of course, premiums matter, but since rates depend on many different factors — like your age, driving history, and even your ZIP code — the best way to find the most affordable price on the policy you want is to compare quotes. Use our quote tool above to get started.

The 4 Best Auto Insurance Companies

Travelers Auto Insurance — Most Comprehensive Coverage

Best For
Most Comprehensive Coverage
Travelers

Pros
Comprehensive coverage
Generous discounts
Cons
Below-average customer satisfaction scores

Why we chose it

Comprehensive coverage

When it comes to supplemental coverage, Travelers is hard to beat. It consistently met our marks for what we considered “the essentials” and it offers unique coverage, too. That includes accident forgiveness, GAP insurance, and special coverage for drivers employed by ridesharing operations like Uber and Lyft (though this add-on is currently only available in Colorado and Illinois).

Any choices that were missing from Travelers’ policies were more niche — like Progressive’s pet injury protection that covers veterinary bills after an accident. Compared to the competition, Travelers’ coverage options are the most practical.

Generous discounts

The company’s discounts are numerous, varied, and designed to reward you, not just your car. It offers deductions for paying your premium on time, signing up for a policy early, and it even offers discounts for continuous coverage (renewing your policy before it expires). These types of discounts are less common than you might think, and they demonstrate that Travelers doesn’t just want to save money for its new customers — it’s concerned with keeping its old ones happy, too.

Travelers also offers discounts for students who maintain a B average in school, and even deducts for students away at school who might only be driving when they’re home on vacation, making it an attractive option for families with children in college.

Points to consider

Claims satisfaction scores

Quite simply, Travelers didn’t inspire enough confidence with its claims satisfaction. We know one survey doesn’t paint an entire picture, but Travelers was the lowest-scoring insurer of our top picks. Its J.D. Power score of 851 out of 1,000 is below the industry average, and since our research consistently pointed to claims satisfaction as the best indicator of customer experience, we couldn’t give Travelers the top spot in confidence.

Progressive Auto Insurance — Best for "High-Risk" Drivers

Best For
"High-Risk" Drivers
Progressive

Pros
Generous discounts
Usage-based insurance plan
Cons
Limited supplemental coverage

Why we chose it

Generous discounts

Progressive impressed us with a solid array of discounts, including deductions for simple things like signing a new policy early and opting for paperless billing. The company has historically been known for insuring "riskier" drivers than many of its competitors, and it shows: Progressive is our only contender that offers a near unheard-of discount for drivers under 18 (who have a crash rate that’s almost nine times higher than that of middle-aged drivers).

Usage-based insurance plan

Progressive offers a unique discount through a program called Snapshot, a usage-based insurance plan that transmits real driving data to the company. Using a telematic device installed in your vehicle, Snapshot monitors your driving behaviors — such as how rapidly you accelerate or how often you stop abruptly — as well as the miles and times you drive, which can increase your risk of an accident.

The program uses this data to determine your rates, and if you’re a safe driver that could mean an average of $130 savings. This plan can save money for low-use drivers and may well mark the advent of a new form of insurance.

Points to consider

Limited supplemental coverage

Progressive allows policyholders to supplement their coverage with many of the standard additions we look for in providers, but it didn’t have quite enough options to merit a top place finish. You won’t find accident forgiveness, coverage for teen drivers, ridesharing coverage.

Progressive also lacks popular coverage like personal injury, property protection, and new car replacement. Evaluate your accident history and who you’ll be insuring to get an idea of what supplemental coverage you might need. If some of these unique coverage options are relevant to you, you’ll want to consider Travelers.

Allstate Auto Insurance — Best for New Drivers

Best For
New Drivers
Allstate

Pros
Extensive online resources
Student discounts
Cons
Below-average customer satisfaction scores

Why we chose it

Extensive online resources

Whether you need to learn more about auto insurance, want to manage your policy online, or want to file a claim digitally, Allstate can offer that online experience. For first-time auto insurers, you can find detailed breakdowns of policy documents, tips for comparing rates, and blog articles on saving money and building a policy for young drivers.

Once you’re a customer, you can leverage its online portal to adjust your coverage, add or remove vehicles, add new drivers, or alter your deductibles.

Student discounts

Allstate thrives when it comes to discounts for young drivers and students. The company’s Smart Student Discount will apply to anyone under the age of 25 who is either a full-time student with good grades, has completed the teenSMART driver education program, or attends a school within 100 miles of their home. Young drivers are typically the most expensive to insure; this unique discount can alleviate some of those costs.

Points to consider

Customer satisfaction scores

Allstate ranked below the industry average in J.D. Power’s 2017 overall customer satisfaction report. When looking specifically at the shopping process, customers noted that Allstate’s policies tend to be more expensive than quotes from other insurers.

The report also noted that its sales representatives were less helpful compared to its competitors. If you find this to be true, you can also work with your local agent rather than an Allstate sales representative. In our experience, it’s possible to get more individualized, attentive service at the local level.

State Farm Auto Insurance — Best for Uber/Lyft Drivers

Best For
Uber/Lyft Drivers
State Farm

Pros
Impressive customer satisfaction scores
Rideshare coverage
Financial strength
Cons
Buggy mobile app
Fewer discounts

Why we chose it

Rideshare coverage

If you drive for rideshare companies like Lyft or Uber, we strongly recommend State Farm. It’s one of the only insurance companies that will extend coverage to risheshare employees. Travelers offers some rideshare coverage too, but only in Colorado and Illinois.

By comparison, State Farm offers the coverage in 37 states. Typically, rideshare employees would have to purchase a separate, commercial auto insurance policy, but with State Farm you can easily add the coverage on to your normal auto plan.

Financial strength

State Farm has stellar financial strength ratings. From A.M. Best, it received an "A++", from Standard & Poor an "AA", and from Moody’s an "Aa1". In other words, you can trust State Farm to back your claims now and for many months to come.

Claims and customer satisfaction

With nearly 18,000 agents across the country, State Farm lives up to its “good neighbor” marketing claim. J.D. Power gave the company 865/1000 — a full 15 points above the industry average. That's a clear sign that customers are satisfied with how State Farm handles auto claims.

Points to consider

Buggy mobile app

We experienced frequent connectivity issues with State Farm’s mobile app. This isn’t a total deal-breaker, but we didn’t feel confident the app would pull through during a roadside emergency. If you need to file a claim, we’d recommend taking photos and submitting them later or calling the State Farm help line instead.

Minimal discounts

Of our top auto insurers, State Farm has the fewest discounts. You won’t find any price breaks for young or elderly drivers, for being a loyal customer, nor for having a new car. Most of its discounts are safety related, like if you have airbags, anti-lock brakes, or enroll in a safe driving program. However, State Farm’s lack of discounts doesn’t mean your quote will be more expensive — just that you’ll have fewer opportunities to lower it.

Other Auto Insurance Companies to Consider

A few popular car insurance companies didn’t make our top pick list. Of course, insurance is a personal decision, and some of these companies may offer perks for you that outweigh our criteria. In such cases, it’s worth comparing quotes from our winners with a few additional options to see who strikes the best balance between coverage and price.

USAA Auto Insurance

Why it’s worth considering

If you’re an active or former military member — or related to one — then we highly recommend considering USAA for car insurance. USAA provides exceptional customer service and timely, fair claims payments, as evidenced by top ratings in J.D. Power's customer satisfaction survey and Consumer Reports’ claims satisfaction study. USAA also earns some of the best possible financial scores: “A++” from A.M. Best, “AA+” from S&P Global, and “Aaa” from Moody’s. These ratings mean that USAA promises rock-solid backing for your policy, as well as a stable credit outlook in just about any economy.

Why we didn’t choose it

USAA only insures active or former members of the military and their families. We don’t list it as a top pick because the majority of people aren’t eligible for coverage. However, If you do qualify for USAA car insurance, then we suggest getting a quote — it’s sure to offer great service and likely to be competitively priced.

American Family Auto Insurance

Why it’s worth considering

J.D. Power and Consumer Reports give American Family strong ratings for customer service and claims: two factors that are incredibly important when it comes to insurance. But where AmFam really sets itself apart is in the discount department. The company offers generous savings opportunities for almost any driver — from price cuts for safe drivers, good students, and families, to discounts for vehicle safety features, policy bundling, paperless billing, and more. If AmFam is available in your area, try getting a quote to see whether these discounts can help you save on car insurance.

Why we didn’t choose it

American Family car insurance wasn’t included in our evaluation because it’s only available in 19 states. For this review, we focused on companies that cover 40 states or more (we wanted to be sure that our top picks would be available to just about anyone). But if AmFam writes car insurance policies where you live, it’s worth a look:

  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • North Dakota
  • Ohio
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin

Auto-Owners Auto Insurance

Why it’s worth considering

Auto-Owners Insurance Group is another powerful contender for customer ratings. In terms of claims satisfaction, Consumer Reports gives Auto-Owners a 93 (eighth place out of 27 companies rated), and J.D. Power dubs the company “better than most.” It also took first place for customer satisfaction in J.D. Power’s survey of the North Central region. To top it off, Auto-Owners matches the coverage selection at other top companies. Add-ons like roadside assistance, rental reimbursement, GAP insurance, new car replacement, and accident forgiveness can help to round out your policy.

Why we didn’t choose it

Like AmFam, Auto-Owners fell out of our rankings because it’s not available nationwide. Unlike AmFam, though, Auto-Owners has a pretty wide reach — covering about half the nation. If you happen to live in one of the 26 states where Auto-Owners is licensed, we’d suggest checking out the prices and policies it offers:

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Nebraska
  • North Carolina
  • North Dakota
  • Ohio
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Virginia
  • Wisconsin

Liberty Mutual Auto Insurance

Why it’s worth considering

Liberty Mutual offers a few hard-to-find discounts, including savings for newly married couples, new graduates, retirees or drivers over 50, and certain drivers under 18. Some of its coverage options are on the rare side, too — like options for mechanical breakdown coverage, vanishing deductibles, or new car replacement that reimburses you for the car’s original worth (rather than its depreciated value). In short: Liberty Mutual has some niche offerings, so it may be worth speaking with an agent about specialized or customizable coverage needs.

Why we didn’t choose it

Customers aren’t very impressed by Liberty Mutual’s claims process or payouts. It’s ranked among “the rest” in J.D. Power’s survey, which falls at the bottom of the scale. It also earned a relatively low Consumer Reports score of 88 (or 23rd place out of 27 companies scored). Finally, Liberty Mutual didn’t quite meet the bar we set for financial stability. Its “A” from S&P Global and “A2” from Moody’s come up a little short of our requirements. These scores are still respectable — indicating an ability to pay out on claims — but mean that Liberty Mutual has a slightly poorer credit outlook in the event of a financial downturn.

Farmers Auto Insurance

Why it’s worth considering

J.D. Power ranks Farmers Auto Insurance better than most for claims satisfaction — an important endorsement, considering that on-time and fairly-sized claim payouts are the ultimate goal of insurance. Besides that, Farmers has a great coverage selection. A few options, like new car replacement and custom parts coverage, we didn’t see among all our top picks. We also like the company’s accident forgiveness program, which “will forgive one at-fault accident for every three years you drive without one.”

Why we didn’t choose it

Farmers Insurance fell just shy of the benchmark we set for financial stability. It took earned an “A” from A.M. Best (passing), and an “A” from S&P Global (two steps below the required “AA-”). These scores mean that Farmers has strong financials, and offers solid backing for your policy — it’s just a little less likely to weather a major financial crisis than other companies. This is why, like Liberty Mutual, we don’t rank it among the best of the best.

Nationwide Auto Insurance

Why it’s worth considering

Nationwide’s coverage selection is more or less on par with companies like Progressive, Allstate, and GEICO. It includes all the core coverage options — from liability to uninsured motorist — as well as some add-ons that may be hard to find elsewhere, like GAP insurance, rideshare coverage, and accident forgiveness. Like other top companies, Nationwide also offers plenty of discounts. Customers can save by bundling home and auto insurance, installing safety devices on their car, taking a defensive driving course, staying accident free, and more.

Why we didn’t choose it

Nationwide pulls lower customer ratings than our top picks. The company scored an 88 from Consumer Reports (putting it in 22nd place out of 27 companies), and an “average” rating from J.D. Power. In other words, Nationwide doesn’t knock it out of the park for either customer service or claims process — which are both crucial for a great insurer. It also missed our financial stability benchmark by a hair, with S&P Global and Moody’s ratings just below the “very strong” or “excellent” benchmarks that we look for.

Guide to Auto Insurance

How to Get the Most out of Your Policy

Make sure you’ve got the basics covered

If you don’t know what type of coverage you need, you’re not alone. We’ve compiled a list of the ‘must-have’ coverage options you should look for in any policy, plus some common supplemental coverage choices, based on advice from our insurance experts.

These options aren’t always included in standard auto policies — even the ones we consider necessities — but purchasing them will guarantee a base layer of protection for any accident:

  • Bodily injury liability covers injuries to someone caused by the policyholder. Medical bills add up quickly, so it’s important to make sure you have the protection to cover your assets if someone is injured as a result of your accident.
  • Collision covers damage caused by a collision with another car, object, or from flipping. Most common accidents qualify as collisions, so this is the coverage you’ll likely use most — be sure to keep the basics covered.
  • Comprehensive covers theft or damage caused by something other than a collision with another car or object. This includes vandalism, natural disasters, and damage caused by animals. If you live in an earthquake-prone region or one with high deer populations, comprehensive coverage will protect against those environmental factors beyond your control.
  • Personal injury protection (PIP) / medical payment covers injuries to the driver and/or passengers of the policyholder’s vehicle. You don’t want to skimp on costs when you and your passengers are receiving medical attention — just like bodily injury liability, PIP is important to mitigate the high cost of medical treatment.
  • Property damage liability covers damage to other people’s property caused by the policyholder. That includes another driver’s vehicle, fences, telephone poles, buildings, and whatever else could be damaged after an accident. Unless you’re involved in an accident that involves only your vehicle or property, chances are you’ll use this coverage.
  • Uninsured / underinsured motorist (UM / UIM) covers costs associated with an accident involving uninsured or underinsured motorists, or hit and run drivers. You can’t control the coverage of other drivers on the road, but if you get in an accident with someone who doesn’t have insurance — or who has insufficient protection — you’ll be forced to deal with the costs yourself. We know it’s frustrating to have to pay for someone else’s negligence, but opting for UM / UIM coverage will be well worth it when you need it.

Find the supplemental coverage you need

All our finalists offer the most critical coverage, but they each offer unique supplemental coverage, too. We've broken down the options with each provider so you can customize your policy to fit your needs. Keep in mind that the more coverage you add, the higher your monthly premium.

Travelers
Progressive
State Farm
Allstate
Rental reimbursement
Roadside Assistance
Rideshare coverage
Umbrella coverage
Accident forgiveness
GAP insurance
New car replacement
Custom parts
Pet injury
Car insurance supplemental coverage explained
  • Rental Reimbursement covers the expenses of renting a car if you’re left without a vehicle after an accident.
  • Roadside Assistance provides services like towing, fuel delivery, lockout assistance, and tire replacement.
  • Ridesharing Coverage provides basic protections for employees of ridesharing companies while they’re working.
  • Umbrella covers liability costs after the limits of your auto policy have been exceeded.
  • Accident Forgiveness means your premium won’t go up after your first at-fault accident.
  • GAP Insurance covers the difference between the value of your wrecked vehicle and the amount still owed on its loan.
  • New Car Replacement reimburses policyholders for the cost of a new car rather than just the depreciated value of your damaged vehicle.
  • Custom Parts & Equipment Value pays for repairs or replacements to alterations or custom additions you’ve made to your vehicle.
  • Pet Injury pays for veterinary expenses resulting from an accident.

Check your state’s minimum coverage requirements

Other than New Hampshire and Virginia, every state requires car owners to purchase auto insurance. To find out your minimum coverage requirements, check out our state-specific auto insurance reviews or check your state insurance commissioner's website.

Keep in mind that these requirements are precisely that: the minimum allowable coverage. If you cause an accident with damages exceeding your policy, you’ll ultimately be responsible for paying whatever’s left, and those costs can add up quickly. If you live in a state with low minimum requirements, it’s a good idea to select additional coverage so that you’re not left footing the bill for auto repairs or costly hospital visits.

Auto Insurance FAQs

What do I need to get a quote?

After you’ve entered your zip code above, you’ll want to pull quotes from the insurers in your area. Here’s what you’ll need to get started:

  • Vehicle information:
    • Vehicle information number (VIN)
    • Mileage
    • Ownership
    • Garaged address
    • Name of registered owner
    • Prior insurance carrier and expiration date
    • Date of purchase
  • Driver information:
    • Name
    • Date of birth
    • Driver’s license number and state of issue
    • Ticket and accident history
    • License suspension information

How can I lower my auto insurance premium?

The simplest way can be to choose a higher deductible. It may seem counterintuitive, since it means you’ll pay more out-of-pocket if you get in an accident. However, this can actually lower your premium and save you money over time.

Just remember that a higher deductible is a calculated risk; you’re betting that you won’t get in an accident and won’t have to pay anything other than your premium.

Which auto insurance company is the cheapest?

It’s nearly impossible to predict the cost of insurance for anyone other than yourself. Premiums are based on factors specific to the driver, including age, vehicle, driving history, credit score, and even where you’ll be doing most of your driving. Every insurer weighs these factors differently, which means the only way to find the best price for your policy is to get quotes from multiple auto insurance companies.

The good news: All of our top picks offer strong coverage that will be able to provide you with the protection you need. After you’ve established the level of coverage you’re looking for, it’s okay to choose your insurer based on premium.

What is included in “full coverage” auto insurance?

Many insurers state that their policies offer ‘full coverage’ without detailing what that means, because, well, it doesn’t really mean anything. According to Jonathan O’Steen, personal injury attorney and partner at O’Steen & Harrison LLC, “Some insurance agents use ‘full coverage’ as a shorthand way to describe auto policies that only meet state minimum limits for coverage. True full coverage would provide unlimited protection for all losses arising from an automobile accident.”

Don’t be fooled by insurance jargon that might leave you underinsured. Talk through all your standard and supplemental coverage options with your agent rather than opting for a catch-all plan that sounds sufficient. The truth is, such a plan doesn’t exist.

The Best Auto Insurance: Summed Up

A.M. Best Financial Strength
J.D. Power Claims Satisfaction
Consumer Reports Overall Satisfaction
Online Claims Filing
24/7 Customer Support
Travelers Auto Insurance
A++
866 / 1,000
90 / 96
Progressive Auto Insurance
A+
849 / 1,000
87 / 96
Allstate Auto Insurance
A+
857 / 1,000
88 / 96
State Farm Auto Insurance
A++
864 / 1,000
89 / 96
USAA Auto Insurance*
A++
903 / 1,000
95 / 96
American Family Auto Insurance
A
853 / 1,000
89 / 96
Auto-Owners Auto Insurance
A++
882 / 1,000
93 / 96
Liberty Mutual Auto Insurance
A
847 / 1,000
88 / 96
Farmers Auto Insurance
A
874 / 1,000
89 / 96
Nationwide Auto Insurance
A+
858 / 1,000
88 / 96

In-Depth Auto Insurance Reviews

We’ve been reviewing auto insurance companies for a while now. Check out our in-depth reviews below for more detailed information about individual insurers.

The Best Auto Insurance by State

Every state offers a unique set of insurance providers, and there are plenty of circumstances that affect the policies and coverage available to you. We've reviewed the best auto insurance options in every state using a methodology similar to the one for this review on nationwide providers.