After reviewing current 2025 pricing benchmarks, satisfaction studies and complaint data, we found seven car insurance companies that remain strong options nationwide: Amica, Erie, Geico, Progressive, State Farm, Travelers and USAA. These carriers maintain robust AM Best financial strength ratings and offer broad discount programs (including telematics/usage‑based options) and customizable coverages. Because rates vary widely by state and driver profile in 2025, comparing multiple quotes is essential to find your best price and fit. For current averages and methodology, see Bankrate’s 2025 update and NerdWallet’s 2025 study.
In 2025, national full‑coverage averages generally range from about $2,600–$2,800 per year depending on the study, with Bankrate around $2,776 (~$231/month) and NerdWallet around $2,590–$2,600 (~$216/month). Minimum‑coverage averages are roughly $640–$720 per year (~$54–$60/month). The BLS CPI “motor vehicle insurance” index continued to show double‑digit year‑over‑year increases into 2025 before moderating later in the year, reflecting elevated claim costs and rate pressure across the market. High‑cost states this year commonly include Florida, Louisiana, Nevada, New York and Michigan, while Maine, Vermont, Idaho, New Hampshire and Ohio are among the least expensive on average, per 2025 state tables from these sources and corroborated by The Zebra’s State of Auto Insurance 2025.
The 7 Best Car Insurance Companies
To identify the seven best car insurance companies in 2025, we combined national/state cost research from Bankrate and NerdWallet, customer‑experience benchmarks from J.D. Power’s 2025 U.S. Auto Insurance Study, regulator‑filed complaint indices via the NAIC Consumer Information Source, and financial strength from AM Best. Depending on the features and price you prioritize and your state, a different carrier may be your best fit.
- Amica: Best for Customer Service
- Erie: Best for Robust Coverage
- Geico: Best for Digital Tools
- Progressive: Best for Discounts
- State Farm: Best for Local Agents
- Travelers: Best for Personalized Coverage
- USAA: Best for Military-Centric Options
Compare the Best Auto Insurance Companies
We used current 2025 cost research, satisfaction benchmarks, complaint indices, and financial‑strength ratings to populate the comparison points below. Premiums vary significantly by state and driver profile; use the links provided to review the latest 2025 state averages and regional satisfaction results for your location.
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best Financial Strength Score AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Claims Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Amica | Varies by state (see 2025) | Varies by state (see 2025) | A+ | See 2025 regional results | |
| Pin Erie | Varies by state (see 2025) | Varies by state (see 2025) | A+ | See 2025 regional results | |
| Pin Geico | Varies by state (see 2025) | Varies by state (see 2025) | A++ | See 2025 regional results | |
| Pin Progressive | Varies by state (see 2025) | Varies by state (see 2025) | A+ | See 2025 regional results | |
| Pin State Farm | Varies by state (see 2025) | Varies by state (see 2025) | A++ | See 2025 regional results | |
| Pin Travelers | Varies by state (see 2025) | Varies by state (see 2025) | A++ | See 2025 regional results | |
| Pin USAA | Varies by state (see 2025) | Varies by state (see 2025) | A++ | Not ranked** |
Information current as of 2025.
* Premium averages vary by state and profile. For 2025 state tables and methodology, see Bankrate and NerdWallet.
** J.D. Power results are reported on a 1,000‑point scale at the regional level in the annual U.S. Auto Insurance Study; see the latest study. USAA is not officially ranked due to eligibility restrictions.
Best for Customer Service
WHY WE CHOSE IT
Why we chose it
Pros
- High third‑party satisfaction in many regions; see J.D. Power 2025 U.S. Auto Insurance Study
- Offers dividend policies
- Solid digital service with human support; complaints searchable via NAIC CIS
Cons
- Not available nationwide
- AM Best financial strength is strong but not the very top tier (A++ is higher)
- Limited physical office locations compared with large captive‑agent brands
OTHER POLICIES OFFERED
- Home
- Renters
- Flood
- Marine
STANDOUT DISCOUNTS AVAILABLE
- Homeownership
- Young driver training
- Accident free
- Telematics/UBI program (availability varies) — review data use and any surcharge rules via NAIC guidance
Best for Robust Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Consistently strong satisfaction in operating regions; see J.D. Power 2025
- Numerous optional coverages and endorsements
- Local/agent support; verify complaint trends via NAIC CIS
Cons
- Limited state availability
- AM Best strength solid but below A++ tier
- Digital tools vary; compare app and web features if you prioritize self‑service
OTHER POLICIES OFFERED
- Collector car
- Condo
- Life
- Business
STANDOUT DISCOUNTS AVAILABLE
- Safe driving
- Car safety features
- Reduced usage/low mileage
- Annual payment plan
Best for Digital Tools
WHY WE CHOSE IT
Why we chose it
Pros
- Digital‑first experience with strong app and self‑service features; see J.D. Power 2025 Digital Experience
- Extensive discount list, including telematics in many states
- Superior AM Best financial strength rating
Cons
- Satisfaction varies by region; compare local results in J.D. Power 2025
- Customization is lighter than some competitors with broader endorsement menus
- Primarily direct‑to‑consumer; fewer local agents for in‑person support
OTHER POLICIES OFFERED
- Home
- Renters
- Motorcycle/ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Emergency deployment
- Federal employee
- Military
- Good student
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Plenty of discounts and Snapshot telematics option (program design varies by state; discounts vs. potential surcharges — review details)
- Robust digital tools for quoting, policy service and claims
- Often competitive for drivers with non‑standard histories
Cons
- Satisfaction results differ by region; verify current standing in J.D. Power 2025
- Financial strength is strong (A+) but not A++
- Review complaint trends by state in NAIC CIS before buying
OTHER POLICIES OFFERED
- Life
- Boat
- Renters
- Condo
STANDOUT DISCOUNTS AVAILABLE
- Continuous insurance
- Snapshot telematics program
- Online quote
- Sign online
Best for Local Agents
WHY WE CHOSE IT
Why we chose it
Pros
- Superior AM Best financial strength
- Strong agent network plus digital service; see 2025 Digital Experience
- Drive Safe & Save telematics available in many states
Cons
- Fewer built‑in policy add‑ons than some competitors with larger endorsement menus
- Complaint experience can vary by state; review NAIC CIS for current indices
- Digital satisfaction varies by segment and region; compare recent results
OTHER POLICIES OFFERED
- Motorcycle
- Motorhome
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- Steer Clear
- Drive Safe & Save
- Good student
- Student away at school
Best for Personalized Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Strong endorsement set for tailoring coverage
- Superior AM Best financial strength
- IntelliDrive telematics available; check program terms and discount structure
Cons
- Satisfaction and digital experience vary by region and segment; compare latest studies
- Pricing competitiveness is market‑dependent; shop multiple quotes
- Review complaint trends in NAIC CIS (varies by state)
OTHER POLICIES OFFERED
- Home
- Boat
- Wedding & event
- Travel
STANDOUT DISCOUNTS AVAILABLE
- Homeownership
- Hybrid/electric car (where available)
- New car
- Early quote
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Eligibility‑based carrier often posting high customer satisfaction among members; see J.D. Power 2025
- Superior AM Best financial strength score
- Telematics option (SafePilot) available in many states
Cons
- Only available to active/retired military members and eligible families
- Few branch locations
- Coverage endorsements can be more limited than feature‑rich competitors
OTHER POLICIES OFFERED
- Home
- Landlord
- Antique car
- Aviation
STANDOUT DISCOUNTS AVAILABLE
- Clean driving record
- Good student
- Military installation
- Deployment
* Premium averages: see 2025 state datasets at Bankrate and NerdWallet.
** Satisfaction results are regional in J.D. Power’s U.S. Auto Insurance Study and may vary by state. USAA is not officially ranked due to eligibility restrictions.
Car Insurance: What You Need to Know
Auto insurance protects you financially after crashes or other covered events. Almost every state requires proof of financial responsibility, typically via liability insurance. Recent legal updates worth noting in 2025: Virginia’s minimum liability limits increase to 50/100/25 for policies issued or renewed on or after January 1, 2025 and the state eliminated the option to drive uninsured by repealing the Uninsured Motor Vehicle fee effective July 1, 2024 (see Code §46.2‑706), and California increased minimum liability limits effective January 1, 2025 (with a further scheduled increase in 2027). Coverage you buy can address injuries and damage you cause, your own vehicle damage (comprehensive/collision), and extras like rental reimbursement or roadside assistance.
Rates are personalized based on your vehicle, garaging ZIP code, mileage, age, credit where allowed, and prior claims/violations. Premiums are elevated in 2025 compared with 2022; the CPI “motor vehicle insurance” index ran at double‑digit year‑over‑year increases into 2025 before showing signs of moderation later in the year. To save without underinsuring, consider bundling home and auto, compare at least 3–5 quotes (including a regional mutual if available), and evaluate a telematics trial if your driving is low‑risk. See consumer guidance from the NAIC and the Insurance Information Institute.
Factors that may affect your car insurance premiums
How to Get Cheap Car Insurance
Compare Car Insurance Rates in the U.S.
| State | Average Annual Full Coverage Premium | Average Annual Minimum Coverage Premium |
| Use the latest 2025 state averages | See Bankrate’s 2025 table | See NerdWallet’s 2025 table |
2025 state averages are available from major studies such as Bankrate and NerdWallet. For national context, Bankrate estimates roughly $2,776 per year for full coverage (about $644 for minimum), while NerdWallet puts full coverage around $2,590–$2,600 and minimum around $680–$720. These sources provide full‑coverage and minimum‑coverage figures plus methodology details.
Frequently asked questions
Methodology
Reviews.com evaluates insurers across affordability, customer support, coverage options, third‑party satisfaction, complaint performance and online resources. For this 2025 update, our editorial team referenced national and state cost studies from Bankrate and NerdWallet, triangulated trends with The Zebra’s State of Auto Insurance 2025, complaint indices from the NAIC Consumer Information Source, customer experience benchmarks from J.D. Power’s 2025 U.S. Auto Insurance Study, and financial strength from AM Best. We also considered 2025 inflation context from the BLS CPI and digital experience trends from J.D. Power’s Insurance Digital Experience Study.
When citing average pricing, we relied on 2025 studies that publish statewide minimum‑ and full‑coverage averages using standardized driver/vehicle assumptions. Bankrate’s methodology draws on Quadrant Information Services data and pegs the national average for full coverage at about $2,776 per year (about $644 for minimum), while NerdWallet publishes comparable national and state averages of roughly $2,590–$2,600 for full coverage and about $680–$720 for minimum, with profile details. “Full coverage” definitions and driver profiles vary by source, so we present source‑consistent figures and direct readers to each 2025 dataset for exact state numbers.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, sources use each state’s requirements. Our base driver profile references a commonly used mid‑age driver commuting about 12,000 miles annually. These are sample benchmarks for comparison; your individual premium will differ based on rating factors, state rules and selected coverages.
