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Best Car Insurance

According to the NAIC, State Farm insures about 9.76% of the cars in the United States. While State Farm policyholders often pay higher premiums than other car owners do, they enjoy the benefits of having a dedicated agent, something many insurance companies no longer provide. State Farm customers can choose among coverage packages that travelers often seek such as emergency roadside service, travel expense coverage and rental car coverage.

Price

Car insurance premiums are highly individualized, but you can expect to get a decent rate with State Farm. In J.D. Power’s study, State Farm received three out of five stars for price, which is considered to be average. That means you might not get the best price, but you won’t likely be charged much higher than other providers either.

Additional features

We like that State Farm offers a variety of resources on its website to help first-time insurance buyers pick a policy that fits their needs. With the State Farm app, drivers can manage their policy, get insurance cards and file claims on the go. State Farm’s additional features aren’t as extensive as other providers, which was factored into their score.

Discounts

State Farm offers a full range of discounts, including:

  • Anti-theft systems
  • Defensive driving course
  • Good driving
  • Good student
  • Multi-policy
  • Multi-vehicle
  • Safe driver
  • Student away-at-school
  • Up to 30% savings using the Drive Safe and Save app

Availability

State Farm car insurance is available nationwide.

Driver type

State Farm is a great insurance company for most types of drivers. However, we recommend State Farm for people who prefer to work with an agent for their insurance needs. State Farm has 19,000 agents across the country, so you’ll find a representative near you.

Other insurance offerings

State Farm offers an array of financial products, including:

  • Condominium
  • Farm and ranch
  • Home
  • Long- and short-term disability insurance
  • Personal and business insurance
  • Renters
  • Supplemental Medicare, individual medical and supplemental health insurance
  • Universal life, whole life and term life insurance

Geico: Best for young drivers

ProsCons
Often the most affordable car insurerGood rates for those involved in at-fault accidentGood rates for teensHighly-rated mobile appCustomer service is average at best

Geico offers substantially lower premiums, even for people with poor credit scores, and commands about 6.50% of the U.S. auto insurance market. Geico’s lower rates also apply to drivers with a history of at-fault accidents and young drivers, making it a great pick for folks on a tight budget.

Price

Most customers choose Geico because it is known for offering the lowest ratings in the auto insurance industry. One of the reasons why Geico ranked highly on our list is because of its affordable premiums.

Additional features

Geico offers a few additional features that are worth noting. We like the fact that it offers a personalized coverage calculator and a car insurance comparison tool to help you find the best policy. The mobile app is highly rated, which you can use to file a claim, make changes to your policy, get roadside assistance and chat with a representative.

Discounts

Geico stacks up well against its competitors, offering the following discounts:

  • Airbag
  • Anti-lock brakes
  • Anti-theft device
  • Driver education
  • Federal employee and military
  • Good driver
  • Good student
  • Multi-policy
  • Multi-vehicle discounts
  • Seat belt use

Availability

Geico is available nationwide.

Driver type

We recommend Geico for young drivers who are looking for a no-frills policy at an affordable price. It’s also a good option for newly licensed drivers, who tend to be subjected to higher insurance premiums than older drivers.

Other insurance offerings

For consumers with other types of property to protect, Geico also offers:

  • ATV
  • Boat
  • Business, professional liability and malpractice insurance
  • Condominium
  • Flood
  • Homeowners
  • Landlord
  • Life
  • Mobile home
  • Pet
  • Renters
  • RV insurance
  • Travel
  • Umbrella

Progressive: Best for higher-risk drivers

ProsCons
Great online comparison toolsGood range of discounts availableCustomer service and claims handling are below average

Progressive charges rates virtually equal to State Farm’s but cannot compete with Geico’s lower premiums. Compared with Geico, Progressive charges much higher premiums for drivers with poor credit, young drivers and motorists with a history of at-fault accidents.

Price

Progressive’s prices are about average compared to competitors.

Additional features

The company offers an online tool to compare auto rates. It also offers the Save with Snapshot app and Name Your Price tool, which can help you save money on your premium.

Discounts

Progressive has many discount programs, including:

  • An average of $145 in discounts when using the Progressive Snapshot app
  • Anti-theft device
  • Defensive driver
  • Good student
  • Homeowner
  • Multi-policy
  • Multi-vehicle
  • Paperless documents, sign online and online quote
  • Pay-in-full and automatic-pay
  • Teen driver

Availability

Progressive is available in all 50 states.

Driver type

Progressive is a good option for high-risk drivers. Using the Name Your Price tool and Snapshot app can help you save money on your premium if you commit to becoming a safer driver.

Other insurance offerings

For one-stop insurance shoppers, Progressive also offers:

  • Boat
  • Classic car
  • Condominium
  • Electronic device
  • Health
  • Homeowners
  • Identity theft
  • Life
  • Mobile home and RV
  • Motorcycle
  • Pet
  • Renters
  • Segway and golf cart
  • Snowmobile
  • Travel
  • Wedding and event

Shop for the best rates quickly and easily

Save money on auto coverage with our simple comparison tool.ZIP CodeNewark, DECurrent insurer

AgeBundle home & autoI own a homeInsure more than one vehicleFind Matches

Allstate: Best for those with poor credit

ProsCons
Available everywhereGood mobile appGood online toolsDiscounts for teen driversCustomer service varies from region to regionAverage scores in most categories

Allstate’s premium prices make its coverage prohibitive for some budget auto insurance shoppers. However, compared with Progressive, Allstate offers better prices for people with credit problems and for teenage drivers.

Allstate’s roadside assistance services provide emergency help such as fuel delivery, towing, jump starts and tire changes. The program offers two levels of support: three rescues per year for around $80 or five for $140. Price limits apply to all services and some services are not available in all areas. Allstate’s 30-minute on-time arrival guarantee offers discounts on your next year’s membership if a service provider is late.

Price

Allstate doesn’t necessarily offer the cheapest rates around, but it’s on par with State Farm and Progressive. Allstate’s discounts can help make the prices more affordable.

Additional features

Allstate has a great mobile app and online tools for new customers, which helped boost its score. In its tools and resources center, you’ll find insurance-related articles, car insurance quizzes and even a car payment calculator.

Discounts

Allstate also offers loads of discounts to help its customers lower their premium rates, including:

  • Anti-theft and anti-lock brake system
  • Driver training
  • Early signing and paperless documents discounts
  • Good driver and defensive driver
  • Good student and student away from home
  • Green vehicle
  • Multi-policy
  • New vehicle
  • Safe driving club
  • Up to $200 in savings when using the Allstate Drivewise app, including up to 3% in discounts just for signing up

Availability

Allstate is available across the country.

Driver type

We recommend Allstate to drivers with a poor credit score. You can still expect to pay higher-than-average premiums, but Allstate offers lower prices than many other insurance providers.

Other insurance offerings

Allstate’s product line almost mirrors Progressive’s with coverage for:

  • Boat
  • Condominium
  • Health
  • Homeowners
  • Life
  • Renters insurance
  • Snowmobile and ATV

USAA: Best for military families and veterans

ProsCons
Excellent customer service and claims satisfaction ratingsGood online and mobile toolsFinancial services for military familiesLimited to military families and veterans

USAA has one major drawback: it only offers its financial services to military members and their families. If you are a member of the military, you cannot beat USAA’s superior service and pricing. USAA’s premiums typically are lower than others among the best car insurance reviews, even for drivers with poor credit or a history of at-fault accidents and teen drivers.

Price

It’s hard to beat USAA’s prices. The company is known for offering some of the best rates in the industry—even lower than Geico, depending on your situation.

Additional features

USAA offers an online auto loan calculator and a car rental comparison tool. Through the mobile app, customers can manage their policy and file a claim. Another benefit of USAA is that it offers flexible payment plans to fit your preferred schedule.

Discounts

Even with such low premiums, USAA offers an impressive selection of discounts, including:

  • Defensive driver training
  • Family
  • Good student
  • Length of membership
  • Multi-policy
  • Multi-vehicle
  • New vehicle
  • Vehicle in storage

Availability

USAA is available in all 50 states, but only members of the military and their families are eligible for coverage.

Driver type

USAA is going to be the best option for anyone who qualifies. Find out if you’re eligible for USAA here.

Other insurance offerings

USAA offers most, if not all, the financial products a military family needs, including:

  • 529 college savings accounts and annuities
  • Boat
  • CDs, credit cards, mortgages and auto loans
  • Checking and savings accounts
  • Condominium
  • Health, dental and vision insurance
  • Homeowners
  • Life
  • Mobile home
  • Motorcycle
  • Mutual funds, bonds and IRAs
  • Renter
  • RV and travel trailer

Farmers: Best for comprehensive coverage

ProsCons
Easy claims processEasy online policy managementMany discount optionsCustomer service ratings are inconsistent

Customers of Farmers enjoy a wide range of coverage options and bundles. Farmers Insurance has easy online policy management and is rated 5th overall for claims satisfaction, according to J.D. Power. The customer service ratings vary, earning Farmers only eighteenth place out of twenty-four insurance providers.

Price

Farmers earned three out of five stars from J.D. Power for price, which is about average.

Additional features

Farmers doesn’t offer many additional features, however, it does have a mobile app that allows you to manage your policy wherever you are.

Discounts

Farmers’ discounts include:

  • 24/7 support
  • Accident forgiveness
  • Alternative fuel
  • Mobile glass repair
  • Paperless policy
  • Rideshare
  • Safe driver
  • Student
  • Towing and roadside assistance

Availability

Farmers is available nationwide.

Driver type

Farmers is a great option for drivers who want comprehensive coverage or who want to customize their auto insurance policy.

Other insurance offerings

Farmers offers a number of insurance policies, including:

  • Business
  • Financial Protection
  • Home
  • Life
  • Motorcycle
  • Pet
  • Recreational
  • Renters
  • Umbrella

The Hartford: Best for those 55 and over

ProsCons
Excellent options and online resources for those 55 and overGood customer service and claims satisfactionUnique partnership with the AARPMore customer complaints than average

The Hartford has above-average customer service and claims satisfaction. It has a unique partnership with AARP. Members of the AARP receive discounts and a lifetime renewable policy guarantee. The Hartford also researches topics like safety mobility and independence for people over 50. The excellent customer service makes them a solid choice for younger drivers as well.

Price

Rates from The Hartford are about average, according to J.D Power’s study.

Additional features

The Hartford has a unique partnership with AARP, which offers discounts to retirees. It also offers a one-year insurance rate protection, lifetime renewability coverage, lifetime car repair insurance, a 24/7 claims hotline and a program that provides assistance after you’ve been in an accident.

Discounts

The Hartford’s discounts offer savings for:

  • Airbags
  • Anti-theft devices
  • Defensive driver
  • Disappearing deductible
  • Driver training credit
  • Home and auto bundle
  • Lifetime car repair assurance
  • New car replacement

Availability

The Hartford is available in 43 states.

Driver type

The Hartford is a great option for people who are 50 or older and want to save money on car insurance.

Other insurance offerings

The Hartford also offers insurance for home and business.

American Family: Best for multi-product discounts

ProsCons
Good customer serviceGood claims serviceWide variety of discountsDoesn’t stand out in any one area

American Family Insurance offers a wide range of coverages plus many options for bundling, making American Family a great option for those insuring multiple products. It has excellent customer service, although some customers complain that it takes too long to file a claim. American Family offers many discounts to cut down on your car insurance costs.

Price

American Family’s prices are slightly higher than most, but you’re paying for a higher level of coverage and unique coverage options such as rideshare insurance.

Additional features

American Family offers 24/7 claims support, emergency roadside assistance and a mobile app that allows you to access your insurance cards, get roadside assistance or file a claim.

Discounts

American Family discounts include:

  • 24/7 support
  • Accident-free
  • Defensive driving course
  • Emergency roadside assistance
  • Good student
  • Know Your Drive app that tracks how and where you drive. Customers who sign up for it get an automatic 5% discount
  • Low mileage
  • Loyalty
  • Multi-policy and multi-vehicle
  • Online policy management

Availability

American Family is available in 17 states.

Driver type

American Family is ideal for people who want to bundle their insurance policies to save money.

Other insurance offerings

In addition to auto insurance, American Family offers coverage for:

  • Business
  • Credit monitoring
  • Health
  • Identity theft
  • Life
  • Property
  • Travel insurance
  • Umbrella

Erie: Best overall

ProsCons
Excellent customer satisfactionExcellent claims satisfactionOptions for unique add-onsOnly serves twelve statesDoesn’t have a mobile app

Erie insurance offers excellent customer service, ranking at the top in both customer satisfaction and claims satisfaction by J.D. Power. What’s the catch? Erie serves just twelve states.

Price

Erie’s rates are below the national average, so if you live in a state that Erie serves, it’s worth checking them out.

Additional features

Erie doesn’t offer many additional features. It also doesn’t have a mobile app, which lowered its score. If you need help choosing an auto insurance policy, we recommend checking out its Carsense blog.

Discounts

Erie a number of discounts in addition to its reasonable rates, including:

  • Good student
  • Low usage
  • Multiple policies
  • Rate lock
  • Safe driving record

Availability

Erie is only available in 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and the District of Columbia.

Driver type

Erie was ranked eighth on our list of the best car insurance providers, but it’s still our top pick overall. If you live in a state where Erie is available, we recommend it over everyone else.

Other insurance offerings

Erie also offers insurance coverage for:

  • Auto
  • Boat
  • Business
  • Condo
  • Life
  • Motorcycle
  • Pets
  • Renters

Amica: Best for overall customer service

ProsCons
Ranked #1 in customer serviceAvailable almost everywhereMobile app and online experience are rated poorly by consumers

Amica has excellent customer service and has consistently high scores in customer satisfaction. In fact, J.D. Power and Associates have ranked it number one in customer service for the past eleven years. Amica services every state except Hawaii, so chances are you can find insurance coverage with Amica. The only drawback is the digital services. Amica Mutual does have an app, but it’s rated poorly by consumers, according to J.D. Power.

Price

In J.D. Power’s study, Amica earned four out of five stars for price, which is considered to be better than most.

Additional features

Amica offers some great tools for customers, including a used car marketplace called Car Connection, and a roadside assistance program. They also offer full glass coverage and rental car reimbursement coverage, which is hard to find elsewhere.

Discounts

Amica’s discounts include:

  • Claim free
  • Defensive driver course
  • Homeownership
  • Loyalty
  • Multi-line for multiple Amica policies
  • Multiple cars
  • Paid-in-full
  • Student away at school

Availability

Amica is available in every state except Hawaii.

Driver type

We recommend Amica to drivers who prioritize customer service over price or extensive policy offerings.

Other insurance offerings

Amica also offers a variety of insurance products, including:

  • Condo
  • Homeowners
  • Life
  • Renters
  • Small business

NJM Auto: Best for residents of New Jersey, Pennsylvania and Connecticut

ProsCons
Affordable ratesOutstanding customer serviceVery limited coverage areaNot a great mobile app

NJM offers outstanding customer service and satisfaction and rates that are below the national average. J.D. Power awarded them for an “outstanding auto claims experience.” Complaints about NJM are typically lower than for other insurance companies. However, NJM only serves New Jersey, Pennsylvania and Connecticut. If you do live in these states, NJM is worth a look.

Price

NJM offers great prices to customers in the New Jersey, Pennsylvania and Connecticut area.

Additional features

NJM doesn’t have many additional features, which contributed to its low score. It does have a mobile app, but it doesn’t have a lot of features and gets complaints about its lack of user-friendliness.

Discounts

NJM also offers many policy discounts, including:Anti-lock brakesAnti-theft featuresDefensive driving discountsGood students discountsMultiple vehicle discountsPassive restraints

Availability

NJM is only available to drivers in New Jersey, Pennsylvania and Connecticut.

Driver type

Because of the limited coverage area, we only recommend NJM to drivers that live in a covered state.

Other insurance offerings

NJM also offers insurance for:

  • Commercial business
  • Homeowners
  • Renters
  • Umbrella

Esurance: Best for educational online resources

ProsCons
Excellent online resourcesEasy to compare coverageComplaints about customer service

Esurance has the financial backing of Allstate, but according to J.D. Power, the company has mixed reviews for customer service. The online purchase experience was rated better than average because Esurance makes it easy. According to the NAIC, Esurance received more complaints than average for the industry.

Price

Esurance’s prices are better than most, based on J.D. Power’s study.

Additional features

Esurance stands out most for its online educational resources. It offers calculators to find out how much coverage you should have. Esurance also offers rental car insurance, emergency roadside assistance and rideshare coverage.

Discounts

Esurance also offer a number of discounts:

  • Claim free
  • Credit score
  • Drive sense app
  • Education
  • First policy (5% off)
  • Good student
  • Multiple policies
  • On-time payments
  • Time at residence

Availability

Esurance is available in 43 states.

Driver type

We recommend Esurance for drivers who want access to online resources. Whether you’re purchasing car insurance for the first time or are switching providers, Esurance has a robust library of resources to help you find the right policy.

Other insurance offerings

Esurance specializes in car insurance, but it also offer homeowners and motorcycle policies.

Shop for the best rates quickly and easily

Save money on auto coverage with our simple comparison tool.ZIP CodeNewark, DECurrent insurer

AgeBundle home & autoI own a homeInsure more than one vehicleFind Matches

Comparing small and large car insurance companies

The table at the top of this page includes information about the largest car insurance companies based on their market share. When shopping for car insurance, there are a few advantages to choosing a large carrier. Companies like State Farm, with almost 10% of the market share, have more credibility because they have so many members. You could also assume that companies with a higher market share offer the best prices because so many people use their service.

On the other hand, there are perks to going with a smaller company. Smaller insurance providers tend to offer a more personalized experience and better customer service. However, smaller providers do tend to charge higher rates.

What should you look for when shopping for car insurance?

Shopping for car insurance can seem daunting, especially for first-time car buyers. Avoid mistakes and get the most affordable car insurance rate for you by following the National Association of Insurance Commissioners’ shopping tips:

  1. Call or visit the website of your state’s insurance department to find out what type of insurance the law requires. Most states require at least liability insurance, with minimum coverage levels for bodily injury and property damage.
  2. Read auto insurance carrier reviews and ask friends and family members to recommend companies and agents.
  3. Request quotes from several companies and carefully compare the results. Pay attention to the details, including deductibles, payment options, discounts and included and excluded services.
  4. Narrow down your options, then check with your state’s insurance department to make sure the company you choose is properly licensed.
  5. Ask insurance agents about details of the coverage. Will a history of speeding tickets affect your premium? Does the company consider credit history to determine rates? Will the coverage protect all drivers in your household? Does the policy cover rental cars when you travel?
  6. Always pay your premium on time. Otherwise, your coverage could lapse. Some insurers offer direct withdrawal from your checking account, which can safeguard against lost coverage.

Frequently asked questions

What is the best car insurance company?

Choosing car insurance is a subjective process. When shopping for car insurance, look for a company that is financially strong and capable of providing the best coverage, service and value in your price range.

Do car insurance companies offer military discounts?

Some car insurance companies offer military discounts and some do not. USAA caters exclusively to military personnel and their families, offering great car insurance rates and a host of financial products and services.

Which company offers the lowest auto insurance premiums for teenagers and young adults?

Of the major car insurance companies, Geico and USAA offer some of the lowest premium rates for young drivers.

Who offers the cheapest auto insurance?

Though we found that NJM Insurance offered the cheapest average six-month premium, it’s important to remember that this rate may not apply to you. Car insurance premiums are determined by a number of factors, which include your age, your location, your driving experience and history along with a number of other determinants.

Methodology

Bankrate Rating

Bankrate’s ratings are calculated using weighted averages of scores on several important qualities of auto insurance carriers, including price, customer satisfaction, financial strength and more. We considered ratings from the following during this process:

  • J.D. Power: We used J.D. Power & Associates to gauge customer satisfaction. This source rates providers based on how customers rated their overall satisfaction, policy offerings, price, billing process and policy information, interaction and claims.
  • AM Best: AM Best is an independent organization that rates an insurance provider’s financial strength and ability to pay claims.
  • Consumer Reports: Consumer Reports is another organization that rates providers and how well they can assist customers.
  • S&P Global: This organization also analyzes how easily a provider can meet its financial commitments. It is usually a tool for investors to evaluate a company’s credit rating.
  • Fitch Ratings: Fitch’s ratings also evaluate a company’s credit rating.
  • Moody’s: Moody’s also evaluates a company’s credit rating.

These ratings are intended to help you easily compare auto insurance providers. We will continue to update them as we review more carriers and additional third party information is made available.

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