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The Best Car Insurance Companies of 2022

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    After analyzing the data, we found seven of the best car insurance companies that stand out from the rest. Amica, Erie, Geico, Progressive, State Farm, Travelers and USAA have strong financial ratings and offer several discounts, coverages, and policy features that allow drivers to personalize their policy to meet their needs. Shopping around and comparing quotes can help households get the best rate from the top carriers in their state. 

    The national average cost of car insurance is $1,771 for full coverage and $545 for minimum coverage per year, according to 2022 data from Bankrate.com. Since almost all states require car insurance, drivers have multiple options. While it can be overwhelming to decide which carrier is the best, Reviews.com has done extensive research, narrowing down the top seven car insurance companies that could be the right fit.

    The 7 Best Car Insurance Companies

    To choose the seven best car insurance companies, we started by reviewing Bankrate.com’s 2022 premium data from Quadrant Information Services. We then analyzed coverages, discounts, third-party reviews, and complaint ratings. We chose the following carriers as being among the best:

    Compare the Best Auto Insurance Companies

    These companies were chosen based on Reviews.com research methodology. This means that, depending on the features you are searching for, you may find that another carrier is best for your needs.

    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$444$1,495A+895
    Pin Erie$476$1,321A+901
    Pin Geico$365$1,297A++881
    Pin Progressive$542$1,561A+862
    Pin State Farm$456$1,397A++892
    Pin Travelers$477$1,447A++871
    Pin USAA$354$1,209A++909**

    Information accurate as of September 2022

    * Data provided by Bankrate.com

    **J.D. Power’s 2021 Auto Claims Satisfaction Study. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.

    Amica

    Best for Customer Service

    WHY WE CHOSE IT

    Amica consistently scores highly with J.D. Power for customer and claims satisfaction and could be a good choice if you value stellar service.
    • $1,495* Average Premium Pricing data comes from our partners at Bankrate.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.
    • 895** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica consistently scores highly with J.D. Power for customer and claims satisfaction and could be a good choice if you value stellar service.

    Pros

    Cons

    • Not available nationwide
    • AM Best financial strength is lower than some competitors
    • Few local offices
    Read More

    OTHER POLICIES OFFERED

    • Home
    • Renters
    • Flood
    • Marine

    STANDOUT DISCOUNTS AVAILABLE

    • Homeownership
    • Young driver training
    • Accident free
    • Forward collision warning
    Erie

    Best for Robust Coverage

    WHY WE CHOSE IT

    Erie offers a number of perks and optional endorsements to help you build a well-rounded policy with robust coverage.
    • $1,321* Average Premium Pricing data comes from our partners at Bankrate.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.
    • 901** 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 perks and optional endorsements to help you build a well-rounded policy with robust coverage.

    Pros

    • High J.D. Power claims satisfaction score
    • Numerous optional coverage types
    • Low average premiums

    Cons

    • Limited availability
    • AM Best financial strength is lower than some competitors
    • Fewer digital tools than competitors
    Read More

    OTHER POLICIES OFFERED

    • Collector car
    • Condo
    • Life
    • Business

    STANDOUT DISCOUNTS AVAILABLE

    • Safe driving
    • Car safety features
    • Reduced usage
    • Annual payment plan
    Geico

    Best for Digital Tools

    WHY WE CHOSE IT

    Geico pairs lower-than-average rates with a plethora of digital tools, which could be appealing to drivers who like to handle their coverage on the go.
    • $1,297* Average Premium Pricing data comes from our partners at Bankrate.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.
    • 881** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico pairs lower-than-average rates with a plethora of digital tools, which could be appealing to drivers who like to handle their coverage on the go.

    Pros

    • Lower-than-average rates
    • Numerous discounts
    • Superior AM Best financial strength rating

    Cons

    • J.D. Power claims satisfaction is only average
    • Few options for customization
    • Few local agents
    Read More

    OTHER POLICIES OFFERED

    • Home
    • Renters
    • Motorcycle/ATV
    • Boat

    STANDOUT DISCOUNTS AVAILABLE

    • Emergency deployment
    • Federal employee
    • Military
    • Good student
    Progressive

    Best for Discounts

    WHY WE CHOSE IT

    Progressive offers a long list of discounts that could help drivers lower their auto insurance premiums.
    • $1,561* Average Premium Pricing data comes from our partners at Bankrate.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

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

    Pros

    • Plenty of discounts
    • Robust digital tools
    • May offer coverage for high-risk drivers

    Cons

    Read More

    OTHER POLICIES OFFERED

    • Life
    • Boat
    • Renters
    • Condo

    STANDOUT DISCOUNTS AVAILABLE

    • Continuous insurance
    • Snapshot telematics program
    • Online quote
    • Sign online
    State Farm

    Best for Local Agents

    WHY WE CHOSE IT

    State Farm has agencies nationwide and could be a good fit if you prefer an in-person insurance experience.
    • $1,397* Average Premium Pricing data comes from our partners at Bankrate.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.
    • 892** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm has agencies nationwide and could be a good fit if you prefer an in-person insurance experience.

    Pros

    • Superior AM Best financial strength
    • High J.D. Power claims satisfaction score
    • Local agents available

    Cons

    Read More

    OTHER POLICIES OFFERED

    • Motorcycle
    • Motorhome
    • Business
    • Life

    STANDOUT DISCOUNTS AVAILABLE

    • Steer Clear
    • Drive Safe & Save
    • Good student
    • Student away at school
    Travelers

    Best for Personalized Coverage

    WHY WE CHOSE IT

    Travelers offers a suite of optional coverage types to help you personalize your policy to your specific needs.
    • $1,447* Average Premium Pricing data comes from our partners at Bankrate.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.
    • 871** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Travelers offers a suite of optional coverage types to help you personalize your policy to your specific needs.

    Pros

    • Low average premium
    • Superior AM Best financial strength
    • Numerous optional coverages

    Cons

    Read More

    OTHER POLICIES OFFERED

    • Home
    • Boat
    • Wedding & event
    • Travel

    STANDOUT DISCOUNTS AVAILABLE

    • Homeownership
    • Hybrid/electric car
    • New car
    • Early quote
    USAA

    Best for Military-Centric Options

    WHY WE CHOSE IT

    USAA offers car insurance to members of the military, their spouses and children. The company receives high J.D. Power scores, although its eligibility restrictions mean it’s not officially ranked.
    • $1,209* Average Premium Pricing data comes from our partners at Bankrate.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.
    • 909** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers car insurance to members of the military, their spouses and children. The company receives high J.D. Power scores, although its eligibility restrictions mean it’s not officially ranked.

    Pros

    • Low average premiums
    • Superior AM Best financial strength score
    • High J.D. Power customer satisfaction score

    Cons

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

    OTHER POLICIES OFFERED

    • Home
    • Landlord
    • Antique car
    • Aviation

    STANDOUT DISCOUNTS AVAILABLE

    • Clean driving record
    • Good student
    • Military installation
    • Deployment

    * Data provided by Bankrate.com

    **J.D. Power’s 2021 Auto Claims Satisfaction Study. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.

    Car Insurance: What You Need to Know

    Auto insurance provides drivers with financial protection when they are involved in a car accident. Almost every state requires that drivers have car insurance coverage to legally drive. Depending on the coverage you purchase, car insurance can provide financial protection for a variety of situations, including damages and injuries that you cause, damages and injuries that you sustain, and towing or roadside assistance costs. 

    Car insurance premiums are highly personalized and may depend on factors like your vehicle’s make and model, ZIP code, vehicle usage, age, and claims history. There are ways to keep getting cheap coverage, such as bundling your auto coverage with homeowners insurance or using discounts like multi-vehicle, good driver, pay-in-full, and paperless billing to lower your premium. However, price isn’t everything. It’s important to look at more than just premium when you’re shopping for coverage, so you develop an understanding of all the facets of a company.

    Factors that may affect your car insurance premiums

    Age

    How to Get Cheap Car Insurance

    Compare Car Insurance Rates in the U.S.

    StateAverage Annual Full Coverage PremiumAverage Annual Minimum Coverage Premium
    Alabama$1,760$443
    Alaska$1,770$417
    Arizona$1,743$579
    Arkansas$1,806$437
    California$2,190$619
    Colorado$2,019$495
    Connecticut$1,533$646
    Delaware$1,963$747
    Florida$2,762$997
    Georgia$2,009$642
    Hawaii$1,206$338
    Idaho$1,065$271
    Illinois$1,533$475
    Indiana$1,242$329
    Iowa$1,254$227
    Kansas$1,802$419
    Kentucky$1,954$658
    Louisiana$2,864$807
    Maine$876$227
    Maryland$1,931$836
    Massachusetts$1,296$446
    Michigan$2,345$946
    Minnesota$1,692$600
    Mississippi$1,701$450
    Missouri$1,893$515
    Montana$1,795$310
    Nebraska$1,538$367
    Nevada$2,426$846
    New Hampshire$1,182$324
    New Jersey$1,891$855
    New Mexico$1,489$347
    New York$2,996$1,339
    North Carolina$1,392$431
    North Dakota$1,225$268
    Ohio$1,200$336
    Oklahoma$1,902$408
    Oregon$1,371$625
    Pennsylvania$2,002$441
    Rhode Island$1,847$569
    South Carolina$1,464$518
    South Dakota$1,542$274
    Tennessee$1,383$372
    Texas$1,868$551
    Utah$1,449$544
    Vermont$1,000$242
    Virginia$1,347$483
    Washington$1,313$482
    Washington, D.C.$1,948$613
    West Virginia$1,527$427
    Wisconsin$1,246$363
    Wyoming$1,510$262

    2022  premium data is provided by Bankrate.com

    Frequently asked questions

    Methodology

    Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers. 

    As for average pricing, we used Bankrate.com’s 2022 data of car insurance based on the profiles of a 40-year male and female. Rates are weighted based on the population density in each geographic region. For full coverage, the details used were the following:

    • $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, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

    These are sample rates and should only be used for comparative purposes.

    About the Authors

    The Reviews.com staff is dedicated to providing you with all the deep-dive details. Our writers, researchers, and editors came together from Charlotte, Seattle, San Juan, Fort Worth, Fort Lauderdale, San Diego, and Chicago to put this review together.

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