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ByMaggie Overholt Senior Insurance Editor

Maggie is the former lead insurance writer and editor at Reviews.com. She's written more than 70 insurance articles covering homeowners, auto, life, motorcycle, travel, and more.

The Best Car Insurance Companies

The best auto insurance companies will provide you with ample coverage and a fair, timely claims process backed by solid financials. It also helps if they’re pleasant to deal with over the phone and have responsive customer support. With all this in mind, we took a long hard look at the auto insurance market and compared everything including complaint data from the National Association of Insurance Commissioners, financial strength ratings from A.M. Best, claims satisfaction scores from J.D. Power, and each provider’s coverage policies and discounts. Six companies—USAA, Amica, ERIE, Geico, Esurance, and State Farm—stood out in our evaluation, but all 14 of our top picks are reliable providers worth considering. We recommend comparing rates from at least three to five of these top-rated insurers to find the best value on the coverage you need.

The 6 Best Car Insurance Companies

  • Amica — Amica is the best car insurance company for customer service
  • ERIE Insurance — ERIE Insurance is the best car insurance company for unique coverage
  • Geico — Geico is the best car insurance company for online and mobile experience
  • Esurance — Esurance is the best car insurance company for online resources
  • State Farm — State Farm is the best car insurance company for ride-share coverage
  • USAA — USAA is the best car insurance company for military members and veterans

More Car Insurance Companies to Consider

  Financial strength rating Claims satisfaction rating Customer complaints vs. national median Standout features
Amica A+ 5/5
"Among the best"
Below average Unique coverage
ERIE Insurance A+ 5/5
"Among the best"
Below average Customer service
Geico A++ 3/5
"About average"
Below average User-friendly online and mobile resources
Esurance A+ 3/5
"About average"
Above average Educational online resources
State Farm A++ 3/5
"About average"
Below average Widely available ride-share coverage
USAA A++ 5/5
"Among the best"
Below average Perks for military members and veterans
NJM A n/a Below average Claims process and customer service
Auto-Owners Insurance A++ 4/5
"Better than most"
Below average Local customer service
The Hartford A+ 3/5
"About average"
Above average Perks for senior citizens
Farmers A 4/5
"Better than most"
Below average Strong coverage and discounts
Allstate A+ 3/5
"About average"
Below average Coverage for teens and young drivers
American Family A 3/5
"About average"
Below average Unique discounts
Auto Club Insurance A- 3/5
"About average"
Below average Perks for AAA members
Progressive A+ 3/5
"About average"
Below average Easy online quote comparison


Financial strength ratings provided by independent insurance rating agency A.M. Best
Claims satisfaction scores provided by J.D. Power’s 2018 Auto Insurance Claims Satisfaction Survey
Customer complaints recorded by the NAIC relative to insurers’ market share

Why Trust This Review?

Since 2013, Reviews.com has helped more than 2.4 million people shop for auto insurance. We’ve evaluated 175 providers, reviewed the top insurers in all 50 states, and written 25 guides and how-tos to help customers with their search. Recommendations on this page are selected independently by the Reviews.com research and editorial team, and are not influenced by partnerships with any of the insurers listed here.

Learn how we chose the best car insurance companies

The Best Car Insurance Companies

Amica — Best for Customer Service

Best for
Customer Service
Amica

Amica

Pros
Top-rated customer service
Efficient claims process
Cons
Poorer online and mobile experience

Amica, the oldest mutual car insurer in the U.S., earns its spot among the best for customer service and claims. It took third place for quality of claims processing in 2018 (behind USAA and ERIE) and was listed as New England’s favorite insurer in 2019. Amica even has a leg up on ERIE thanks to its wide reach, with car insurance available in all states except Hawaii.

Coverage options from Amica are well-rounded, with perks like glass, lock, and deployed airbag replacement included. The company also offers plenty of discounts for loyal customers safe drivers, vehicle safety features, and more. Customers can select a dividend-paying auto insurance policy from Amica if they wish, though premiums will generally be a little higher.

On the downside, Amica shares Erie’s reputation for sub-par digital services. Though Amica has a mobile app for on-the-go policy management, it earns low ratings on both app platforms, and the company was scored poorly by consumers when J.D. Power asked about its digital resources. Again, a great choice for customers who value customer support and smooth claims handling, but not the best for those who prefer a digital-first experience.

ERIE Insurance — Best for Unique Coverage

Best for
Unique Coverage
ERIE Insurance

ERIE Insurance

Pros
Top-rated customer service
Efficient claims process
Generous built-in coverage
Cons
Limited availability
Poorer online and mobile experience

What ERIE Insurance lacks in size — the company serves just 12 states and Washington, D.C. — it makes up for in outstanding customer service. This company took home J.D. Power’s 2018 award for excellence in claims handling, and earned top marks for customer satisfaction in the Mid-Atlantic, North Central, and Southeast regions of the U.S. in 2019.

ERIE also includes some unique coverages standard with its car insurance, including protection for ride-along pets, personal items, glass repair, and locksmith services. These things do not come built-in with many car insurance companies, and could certainly come in handy in a pinch (although coverage limits do apply).

Unfortunately, ERIE insurance is not available to all customers; it currently only sells insurance in DC, IL, IN, KY, MD, NC, NY, PA, TN, VA, WI, and WV. It’s also worth noting that while ERIE excels in person-to-person customer service, it underperforms digitally. ERIE earned the second-lowest score in J.D. Power’s 2019 digital insurance survey, and we found no trace of a mobile app for easy policy and claims management. While we still recommend it highly, ERIE is likely not the best choice for customers who value tech first and foremost.

Geico — Best Online and Mobile Experience

Best for
Online and Mobile Experience
Geico

Geico

Pros
Top-rated online and mobile tools
Plenty of discount opportunities
Cons
Claims and service ratings are average

Geckos, cavemen, and camels, oh my. Geico is likely one of the first names that springs to mind when looking for car insurance, and it’s certainly worth considering—especially if you prefer DIY digital policy management. Geico took first place in J.D. Power’s 2019 digital experience survey, and it’s mobile app earns strong user ratings. The company also has a wealth of online resources to ease the shopping process for auto insurance first-timers (or anyone who needs a quick refresher).

It’s also worth noting that Geico maintains a reputation for affordability. It offers a wide array of discounts to help customers save on premiums, including some specialized options that won’t be found with every insurer, like savings for military members, seniors, federal employees, student drivers, and members of various organizations.

On the other hand, Geico’s reputation is average when it comes to customer service. The company middled out on every customer survey we checked from J.D. Power and Consumer Reports regarding quality of service and claims processing. However, it does have a “below average” ratio of customer complaints compared to the national average.

Esurance — Best for Online Resources

Best for
Online Resources
Esurance

Esurance

Pros
Top-rated customer service
Excellent online and mobile tools
Cons
Few add-on coverage options

Esurance is known for its simplicity and straightforward insurance information. The company’s website walks customers through car insurance shopping step by step, from coverage counseling all the way through tips for cancelling your policy. This is likely one of the reasons Esurance earned fifth place in J.D. Power’s 2019 insurance shopping study. Its app also gets positive reviews from customers that have shopped for insurance and filed claims on mobile.

Compared to other insurers with top-rated digital resources, like Geico, Allstate, and Farmers, Esurance is neck-and-neck for overall customer satisfaction, but scores slightly lower for claims process and settlements. J.D. Power reports that Esurance is one of the top three preferred auto insurers in Florida, right after Allstate and USAA.

One thing to keep in mind before choosing Esurance is that its coverage options are pretty barebones. It has all the essential coverages—liability, collision, and comprehensive, etc.— and just a couple of extras, like gap insurance and rental car coverage. People that need truly specialized car insurance will likely be better served by another company. But for most people with standard coverage needs, Esurance is a solid option.

State Farm — Best for Ride-Share Coverage

Best for
Ride-Share Coverage
State Farm

State Farm

Pros
Top-rated customer service
Widely available rideshare coverage
Cons
Claims ratings are average

State Farm is right up there with Geico as one of the “big four” insurers. It has a notable on-the-ground presence, with more than 19,000 local contractor agents nationwide, and earns positive customer service scores from J.D. Power respondents. It even took home second place in the Southwest region in 2019.

In terms of coverage, State Farm’s offerings are pretty standard—though it stands out for having the widest-reaching ride-share insurance program of any company we’ve researched, with coverage available in 42 states and Washington DC. This makes it a good first stop for Uber and Lyft drivers looking to supplement their employer’s insurance (which only applies in select scenarios).

One place State Farm doesn’t excel is in claims handling. Its scores from J.D. Power and Consumer Reports show an average customer experience with processing speed and settlements. However, State Farm does outscore other big names in this department, including Progressive, Allstate, and Geico.

Where is State Farm ride-share insurance available?

State Farm ride-share insurance is available in the following states: AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IN, IO, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY

USAA — Best for Military Members and Veterans

Best for
Military Members and Veterans
USAA

USAA

Pros
Top-rated customer service
Efficient claims process
Affordable rates for military personnel
Effective online and mobile tools
Cons
Membership requirement limits availability

The first thing to know about USAA is it’s only available to U.S. military members, their immediate families, and veterans. If you fit that bill, this should be the first stop in your search for auto insurance. Not only does USAA offer robust coverage and discounts—including military-specific options, like up to 15% off for storing your vehicle on base—it also earns first place in J.D Power’s customer satisfaction and claims handling surveys year after year. Customers can expect a singularly high standard of service from this company.

As for price, USAA is known to offer competitive rates for qualified members. The company’s site states that customers who switched to USAA from another insurer between 2017 and 2018 saved an average of $707 per year—which is a little more than half the national average premium, according to the most recent data from the NAIC. Of course prices will vary by customer, but for military personnel in need of insurance it’s worth getting a quote to see how USAA’s rates compare.

More Car Insurance Companies to Consider

New Jersey Manufacturers — Best for New Jerseyites and Pennsylvanians

Best for
New Jerseyites and Pennsylvanians
NJM Auto Insurance

New Jersey Manufacturers

Pros
Top-rated customer service
Efficient claims process
Cons
Extremely limited availability
Poorer online and mobile experience

The first thing to know about New Jersey Manufacturers (NJM): It only sells auto insurance in New Jersey and Pennsylvania. Otherwise, it would be higher on our list. The company earns top satisfaction scores for both customer service and claims handling year after year. Thanks to localization, it’s also positioned well to serve unique coverage and PIP insurance needs in New Jersey and Pennsylvania. We’d highly recommend that drivers in these states get a quote to see how NJM rates stack up. The only real drawback is a poorer mobile experience than digital-first companies like Geico and Esurance.

Auto-Owners Insurance — Best for Local Customer Service


Best for
Local Customer Service
Auto-Owners Insurance

Auto-Owners Insurance

Pros
Local, hands-on customer service
Efficient claims process
Cons
Limited availability

Auto-Owners sells insurance exclusively through local independent agents, which makes it a good option for those who prefer personal customer service. An agent works with each customer to help choose the right coverage and get the best value on their policy. This is likely one of the reasons Auto-Owners scores well on J.D. Power’s survey and took second place for satisfaction in the Central region. It also scores in the top three for satisfaction with claims handling. The catch: Auto-Owners is only available in 26 states, so it’s not an option for everyone.

Where is Auto-Owners auto insurance available?

Auto-Owners currently sells auto insurance in the following states: AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, NC, ND, NE, OH, PA, SC, SD, TN, UT, VA, WI

The Hartford — Best for Senior Citizens

Best for
Senior Citizens
The Hartford

The Hartford

Pros
Unique AARP partnership
Top-rated customer service
Cons
Above-average registered complaints

The Hartford offers car insurance for all ages, but stands out for seniors thanks to its unique AARP partnership. With this program, AARP members aged 50 years and over receive perks like special discounts and a lifetime renewability guarantee. Customers can expect decent service as The Hartford earns medium-to-high satisfaction scores across the U.S. and took first place in J.D. Power’s Southwest region survey. While the Hartford gets strong reviews for its claims process, it has an above average customer complaint ratio according to NAIC.

Farmers — Good for Coverage and Discount Options

Good for
Coverage and Discount Options
Farmers

Farmers

Pros
Efficient claims process
Select unique coverage add-ons
Good online and mobile tools
Cons
Inconsistent customer service ratings

Farmers is a reliable choice for easy policy management and smooth claims handling. It earned fifth place overall in J.D. Power’s 2018 claims satisfaction study. It also earned third place for quality of its digital experience, suggesting that the company’s website and mobile app lend themselves well to on-the-go payments and claims. Farmers also offers a few interesting coverage options when it comes to repairs, including protection for customized equipment and original equipment manufacturer (OEM) parts. The one place Farmers comes up a little short is customer service; it earns average ratings overall, but fell below the middle line in the Central and Mid-Atlantic regions of the U.S.

Allstate — Best for Covering Teens and Students

Best for
Covering Teens and Students
Allstate

Allstate

Pros
Consistent claims ratings
Good resources and discounts for new drivers
Good online and mobile tools
Cons
Inconsistent customer service ratings

Allstate is a nationwide mainstay for car insurance and a solid choice for many drivers. Though it didn’t excel in any of the areas we considered, Allstate earns respectable customer ratings for its service and claims process. It took home the gold in J.D. Power’s 2019 Florida survey and fared well in most other regions, save for the Mid-Atlantic and Southwest, where it underperformed. Good learning resources, discounts for young drivers, and a cash-back program for safe driving could make Allstate a good option for families adding a teen or college student to their policy. Plus, the company earns strong ratings for its online and mobile experience.

American Family — Good for Unique Discounts

Good for
Unique Discounts
American Family Insurance

American Family

Pros
Consistent service and claims ratings
Wide range of discount options
Cons
Limited availability

American Family is another company that didn’t shine in one particular area, but gave a consistent performance across the board. It earns average-or-better customer satisfaction scores from J.D. Power and a decent rating for its claims process, coming in just above Esurance. AmFam aslo has an impressive roster of discounts, including some harder to find ones for federal employees, young volunteers, and teen safe drivers. The company only operates in 19 states, but where it’s available, it’s worth getting a quote to see whether AmFam can help you save on auto insurance.

Where is American Family auto insurance available?

American Family currently sells auto insurance in the following states: AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI

Auto Club Insurance — Best for AAA Members

Best for
AAA Members
AAA

Auto Club Insurance

Pros
Perks for AAA members
Generally positive customer ratings
Cons
Coverage and service can vary by state

If you have a AAA membership for roadside assistance, it may be worth considering the Auto Club for your insurance as well. The group offers member discounts that could make coverage more affordable, and local Auto Clubs tend to perform well when rated by J.D. Power and Consumer Reports. However, there is no national Auto Club or insurance program; AAA operates on a state-by-state level, meaning coverage, discounts, and quality of customer service will vary depending on where you live. We recommend comparing policy options and rates from your local Auto Club with a few other popular insurers to see how its service stacks up.

Progressive — Best for Easy Quote Comparison

Best for
Easy Quote Comparison
Progressive

Progressive

Pros
Easy online quote comparison
Wide range of coverage and discount options
Cons
Poor customer satisfaction

Progressive: The final of the “big four” insurers. This company can’t be ignored thanks to its near-omnipresence and reputation for affordable rates. Progressive has an incredibly robust list of discounts, as well as a unique quoting process that lets you “name your price” and compare policies from different insurers right on-site. With these convenient resources, it’s worth getting a quote from Progressive to see how rates compare.

However, Progressive has a poorer reputation when it comes to quality of service. It earned the lowest scores of any company on this list for both customer satisfaction and claims handling. Though each driver’s experience will be different, this is worth keeping in mind when weighing price against the quality of service you can expect to receive in an emergency.

Methodology: How We Found the Best Car Insurance

As of July, 2019, we’ve completely revamped our review of the best car insurance companies to reflect the most recent industry ratings and policy options, and cover more insurance companies than ever before.

We started this review with a list of 59 auto insurers, including the 50 biggest providers by market share and a few popular outliers. We evaluated each one based on three fundamental criteria: claims, customer service, and coverage.

“The main thing to look for is satisfaction as far as claims handling. We all can buy cheap insurance anywhere, but if you find out after that the claims handling ability isn’t there, you might be disappointed in the settlement if and when you need to use your insurance.”

To gauge each provider’s ability to pay claims, we looked for top financial strength ratings from three independent agencies: A.M. Best, S&P Global, and Moody’s Rating Services. These scores evaluate an insurer's financial stability, and thus, its reliability to pay claims over time. Then we checked satisfaction scores from two consumer survey groups—J.D. Power and Consumer Reports—to determine which car insurance companies can be relied on to resolve claims quickly and painlessly with fair settlements.

We also turned to J.D. Power for a pulse on overall customer satisfaction, as its auto insurance survey accounts for everything from policy options to price, billing, and customer interaction. To find companies with a proven track record for service, we checked complaint ratios from the NAIC, giving preference to insurers with below-average customer complaints relative to their size.

“It’s important to check consumer satisfaction data. Regardless of the rates, you should not select an insurance company with a poor reputation for service.”

Last, but certainly not least, we narrowed in on providers with the best policy options. Along with basic coverage necessities like liability, collision, comprehensive, uninsured motorist, and PIP, we looked at 56 different coverages and discounts that give customers the flexibility to build an auto insurance policy that fits their unique needs.

Price will always be a big consideration, but rates can vary widely from person to person and company to company. Getting quotes from a few reputable insurers that align well with your needs is the best way to maximize value on your car insurance.

How You Can Find the Best Car Insurance

When it comes to finding the best car insurance for you, you’ll want to spend some time evaluating different providers in order to find a car insurance policy which is ideal for your needs. However, with so many to choose from, it can all seem a little daunting, so here are some tips to help you get started.

Start with where you live

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.

Focus on the basics (and then price)

You might think that opting for a barebones policy will save you some money but it could end up costing you more in the long run if you exclude some of the most important coverage options. As we outlined in our best cheap car insurance companies review, you’re going to want to make sure your policy includes all of the following:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist (UM/UIM)

Yes, focusing on a policy with all of these features will cost more than one without. However, it could cost you a lot more out-of-pocket should you damage someone else’s car or get into an accident with another driver who’s uninsured.

Shop around

Put together a list of providers. You can start your list with our top picks but look beyond those as well. The more providers and quotes you gather, the more options and prices you’ll have to consider, which will make finding the best car insurance company all the easier.

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.

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