HomepageInsuranceCarThe Best Car Insurance Companies of 2021

The Best Car Insurance Companies for 2021

Fact-checked with HomeInsurance.com ​
Insurance Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    Reviews Report

    • Reviews.com rates Amica as the best car insurance, earning a 5 out of 5 score.
    • The top car insurance companies offer a wide variety of discounts, strong financial ratings, and customizable coverage options.
    • To find affordable car insurance, look for companies like State Farm, Liberty Mutual, and Geico, as they have a bevy of discounts available.

    Even with a pandemic calling for people to stay home more than ever, it is not wise to skimp on car insurance because poor coverage exposes you to unforeseen damage and financial risks. Even with the average costs of car insurance at $1,555 for full coverage and $545 for state minimum coverage, it pays to shop around as much as possible.

    Drivers can easily utilize online car insurance reviews to determine the best carrier for their specific needs, so we crafted the best auto insurance reviews based on affordability, customer support, coverage options, customer satisfaction, and online resources.

    The 7 Best Car Insurance Companies

    • Amica: Best Overall Car Insurance
    • State Farm: Best Car Insurance for Safe Drivers
    • USAA: Best Car Insurance for Military Members
    • Liberty Mutual: Best Car Insurance for Replacement Coverage
    • Progressive: Best Car Insurance for Discounts
    • Geico: Best Car Insurance for Low Premiums
    • Erie: Best Car Insurance for Add-On Coverage

    Compare the Best Auto Insurance Companies

    Full Coverage Annual Premium* State Minimum Annual Premium* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength 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 Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Amica$1,449$4605A+867
    Pin State Farm$1,681$6385A++847
    Pin USAA$1,484$5394.8A++884
    Pin Liberty Mutual$1,778$9004.4A827
    Pin Progressive$1,910$7694.4A+830
    Pin Geico$1,260$4164.8 A++833
    Pin Erie$1,141$3724.4A+862

    Information accurate as of June 2021

    * Data provided by Coverage.com

    **J.D. Power’s 202 Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.

    Amica

    Best Overall Car Insurance

    Why we chose it

    Amica is one of the few car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $460* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 867** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica is one of the few car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.

    Pros

    • Offers dividend policies
    • Variety of discounts available
    • Good customer service ratings

    Cons

    • Not available nationwide
    Read More

    TYPES OF COVERAGES OFFERED

    • Personal injury protection
    • Glass coverage
    • Roadside assistance
    • Rental car reimbursement
    • Platinum Choice Auto® (accident forgiveness, identity theft monitoring, and prestige rental coverage)
    • No depreciation for totaled vehicle replacement

    DISCOUNTS AVAILABLE

    • Policy bundling
    • Loyalty
    • Claims-free
    • Pay in full
    • Vehicle discounts (anti-theft device, passive restraint, electronic stability, forward collision warning, adaptive headlight)
    • Defensive driving training

    More Amica Insurance Reviews

    State Farm

    Best Car Insurance for Safe Drivers

    Why we chose it

    State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $681* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 847** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.

    Pros

    • Impressive financial strength
    • High claims satisfaction ratings
    • Great discounts

    Cons

    • Fewer add-on coverages than competitors
    Read More

    TYPES OF COVERAGES OFFERED

    • Rental car and travel expenses coverage
    • Roadside assistance coverage
    • Rideshare driver coverage

    DISCOUNTS AVAILABLE

    • Policy bundling
    • Accident-free
    • driving course
    • Good driver
    • Vehicle safety
    • Anti-theft device

    More State Farm Insurance Reviews

    USAA

    Best Car Insurance for Military Members

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $539* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 884** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance to members of the military, their spouses and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • Many discounts

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    Read More

    TYPES OF COVERAGES OFFERED

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    DISCOUNTS AVAILABLE

    • Safe driver
    • New vehicle
    • Annual mileage
    • Family discount
    • Length of membership
    • Military installation
    • Policy bundling

    More USAA Insurance Reviews

    Liberty Mutual

    Best Car Insurance for Replacement Coverage

    Why we chose it

    Liberty Mutual is a great pick if you’re looking for a new car or better car replacement coverage.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $900* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • 827** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Liberty Mutual is a great pick if you’re looking for a new car or better car replacement coverage.

    Pros

    • Good discounts for a variety of drivers
    • Great customer experience
    • Comprehensive coverage options

    Cons

    • Higher-than-average premiums
    • Poorly rated claims handling
    Read More

    TYPES OF COVERAGES OFFERED

    • Personal injury protection
    • Deductible fund
    • New car replacement coverage
    • Rental car reimbursement
    • Roadside assistance
    • Gap insurance

    DISCOUNTS AVAILABLE

    • Homeowner
    • Military
    • Advanced safety features
    • Alternative energy discount
    • Accident-free
    • Violation-free
    • RightTrack program

    More Liberty Mutual Insurance Reviews

    Progressive

    Best Car Insurance for Discounts

    Why we chose it

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $769* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers a long list of discounts that can help drivers lower their auto insurance premiums.

    Pros

    • Great discounts
    • Fast and efficient claims handling
    • Variety of add-on policies for customization

    Cons

    • Average customer service ratings
    • Some discounts not offered in certain states
    Read More

    TYPES OF COVERAGES OFFERED

    • Roadside assistance
    • Gap insurance
    • Rental car reimbursement
    • Custom parts and equipment coverage
    • Rideshare coverage
    • Deductible savings bank

    DISCOUNTS AVAILABLE

    • Multi-policy
    • Multi-vehicle
    • Continuous insurance
    • Snapshot® program
    • Distant student
    • Homeowner
    • Online quote

    More Progressive Insurance Reviews

    Geico

    Best Car Insurance for Low Premiums

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $416* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 833** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering cheap car insurance policies, even for high-risk drivers and drivers with poor credit.

    Pros

    • Very affordable policies
    • Good discounts
    • Strong financial ratings

    Cons

    • Not the best customer service
    Read More

    TYPES OF COVERAGES OFFERED

    • Personal injury protection
    • Roadside assistance
    • Rental car reimbursement
    • Mechanical breakdown coverage

    DISCOUNTS AVAILABLE

    • Vehicle safety features (airbags, anti-lock brakes, anti-theft system and daytime lights)
    • New vehicle
    • Good student
    • Emergency deployment
    • Federal employee
    • Employee membership

    More Geico Insurance Reviews

    ERIE Insurance Auto

    Best Car Insurance for Add-On Coverage

    Why we chose it

    Erie offers a number of add-on coverages that allow you to fully customize your car insurance policy based on your needs.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $372* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 862** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie offers a number of add-on coverages that allow you to fully customize your car insurance policy based on your needs.

    Pros

    • Good customer service
    • Great add-on coverages for customizable policies
    • Discounts to help you save

    Cons

    • Limited availability
    Read More

    TYPES OF COVERAGES OFFERED

    • Locksmith coverage
    • Erie Rate Lock program
    • First accident forgiveness
    • Diminishing deductible program
    • Rideshare coverage
    • Non-owners insurance

    DISCOUNTS AVAILABLE

    • Safe driving
    • Car safety features
    • Multi-vehicle
    • Multi-policy
    • Reduced mileage
    • Young drivers
    • Annual payment plan

    More Erie Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.
    **J.D. Power’s 2021 U.S. Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.

    Car Insurance: What You Need to Know

    Car insurance provides drivers with basic financial protection when they are involved in an accident. Almost every state requires that drivers have auto insurance before they drive. Auto insurance provides coverage for three basic risks:

    • Property damage to your vehicle, including car theft,
    • Liability covering you or injuries you cause to other people or their cars, and
    • Medical coverage for treatment of injuries and incidental cost, like lost wages.

    Although even the best car insurance policies are generally the same, the top car insurance companies underwrite policies differently. Car insurance premiums are highly personalized and depend on the car’s make and model, ZIP code, the main use of car, age, driver history, and claims history. 

    Drivers can take advantage of ways to keep premiums low, such as bundling your auto coverage with homeowners insurance or using discounts like multi-vehicle, good driver, pay-in-full, and paperless billing. However, the best car insurance carriers will offer a dozen or more discounts to customers in order to entice them to buy policies.

    Factors that affect your car insurance premiums

    How to Get Cheap Car Insurance

    Compare Car Insurance Rates in the U.S.

    Data provided by Coverage.com

    Car Insurance FAQ

    Methodology

    We evaluated car insurance companies based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
    • Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2020 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
    • Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
    • Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.

    About the Authors

    Rick Hoel

    Rick Hoel Contributing Writer

    Rick Hoel is an international business attorney and legal and insurance writer for Reviews.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law.

    Table Of Contents