HomepageInsuranceCarThe Best Car Insurance Companies of 2022

The Best Car Insurance Companies of 2022

Reviews.com reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered 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.
Advertising Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)
Insurance Disclosure This content 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.

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

    Based on our analysis, the best car insurance companies include Amica, State Farm, USAA, and Progressive. Geico, Erie, and Travelers may also be good choices. The top car insurance companies offer a wide variety of discounts, strong financial ratings, and customizable coverage options. One of the best ways to find the right company for you is to shop around and compare quotes.

    Car insurance is required in almost all states. However, with the hundreds of car insurance companies on the market, how do you choose the best? Price is important — the national average is $1,674 per year for full coverage and $565 per year for minimum coverage, according to 2021 data from Bankrate.com — but there are other considerations, too. Don’t be overwhelmed; Reviews.com has done the legwork for you. We conducted extensive research and narrowed our list to seven superb carriers that might be a good fit for you.

    The 7 Best Car Insurance Companies

    To choose the seven best car insurance companies, we started by reviewing Bankrate.com’s 2021 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$405$1,378A+895
    Pin Erie$409$1,233A+901
    Pin Geico$433$1,405A++881
    Pin Progressive$582$1,509A+862
    Pin State Farm$539$1,457A++892
    Pin Travelers$469$1,325A++871
    Pin USAA$384$1,225A++909**

    Information accurate as of March 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.
    • $1,378* 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.
    • $1,233* 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.
    • $1,405* 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.
    • $1,509* 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.
    • $1,457* 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.
    • $1,325* 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.
    • $1,225* 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 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 affect your car insurance premiums

    Age

    How to Get Cheap Car Insurance

    Compare Car Insurance Rates in the U.S.

    StateAverage Annual Minimum Coverage Premium*Average Annual Full Coverage Premium*
    Alabama$469$1,623
    Alaska$373$1,559
    Arizona$555$1,547
    Arkansas$470$1,914
    California$733$2,065
    Colorado$518$2,016
    Connecticut$794$1,845
    Delaware$787$1,775
    Florida$1,101$2,364
    Georgia$756$1,982
    Hawaii$345$1,127
    Idaho$307$1,045
    Illinois$442$1,485
    Indiana$367$1,254
    Iowa$252$1,260
    Kansas$410$1,698
    Kentucky$748$2,128
    Louisiana$975$2,724
    Maine$294$965
    Maryland$767$1,877
    Massachusetts$510$1,223
    Michigan$948$2,309
    Minnesota$537$1,643
    Mississippi$492$1,782
    Missouri$468$1,661
    Montana$342$1,737
    Nebraska$335$1,531
    Nevada$860$2,245
    New Hampshire$389$1,275
    New Jersey$847$1,757
    New Mexico$385$1,419
    New York$1,062$2,321
    North Carolina$413$1,325
    North Dakota$285$1,264
    Ohio$328$1,034
    Oklahoma$423$1,873
    Oregon$610$1,346
    Pennsylvania$427$1,476
    Rhode Island$749$2,018
    South Carolina$558$1,512
    South Dakota$275$1,642
    Tennessee$371$1,338
    Texas$524$1,823
    Utah$528$1,306
    Vermont$292$1,207
    Virginia$441$1,304
    Washington$463$1,176
    Washington, D.C.$704$1,855
    West Virginia$458$1,499
    Wisconsin$332$1,186
    Wyoming$271$1,495

    2021 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 2021 data of car insurance based on the profiles of a 40-year male and female. 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 2019 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

    Cate Deventer

    Cate Deventer Insurance Editor

    Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.

    Table Of Contents