Best car insurance companies for 2023

by Stable MARK | Updated: January 8, 2023
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Looking for the best car insurance companies? Look no further! We've analyzed the most important factors that will affect your customer experience and compiled a list of the best of the best.

When determining which large auto insurance company is right for you, it is important to consider a variety of factors, including average rates for different types of drivers, the coverage options available, the level of complaints from customers, the grades for collision claims from auto body repair professionals, and how understandable the insurer's website is. Our top picks are listed below.

What is the best car insurance company?

Our data shows that the best car insurance company for 2023 is USAA. However, its insurance products are only available to members of the military community. If you don't qualify for USAA, the next best option is Geico. It holds the No. 2 spot in our analysis.

When choosing car insurance, it's important to consider factors like customer service, claims to handle, and customer loyalty. You should also find out how likely policyholders are to recommend their existing insurer to someone else. To help you make the best decision, we analyzed rates data and feedback from policyholders. We paid special attention to the criteria mentioned above.

This list can help you compare auto insurance companies and find the one that best meets your needs. Though USAA and Geico are both excellent choices, you may find a better fit with one of the other companies in our rating. It's always a good idea to compare several insurers and their rates before you purchase or renew your policy. By doing this, you can make sure you're getting the best possible deal on your insurance.

Top rated car insurance company

Company Rating Compliant level Annual average rate
1. USAA OK $1,143
2. Geico Low $1,183
3. Travelers Very low $1,436
4. Nationwide Very low $1,550
5. Clearcover OK $1,776
6. Progressive Low $1,006
7. State Farm OK $1,404
8. Auto-Owners Insurance Low $1,534
9. Erie Insurance Higher than the industry average $1,421
10. Allstate OK $2,024
best option for military and veterans

USAA

USAA logo
5.0
Average annual rate for good drivers

$1,143
Average annual rate for drivers with a speeding ticket
$1,383
Complaint level


OK

Why it was choosen?

USAA offers relatively affordable rates for drivers with a variety of driving records, making it a good option for many different types of drivers. It is important to note that you must be a military member, veteran or military family member to be eligible for USAA insurance.

Advantages

They offer low rates not only for good drivers, but also for those with accidents, tickets, or DUIs on their records.

They also have good rates for seniors and young drivers.

They offer accident forgiveness and new car replacement.

They also have a rideshare insurance coverage option.

They have a usage-based insurance program, so called SafePilot, that good drivers can use to potentially lower their car insurance costs.

Drawbacks

Not everyone is eligible for coverage - only veterans and active members of the military, plus their immediate families.

Additionally, USAA's average bundling discount is on the low end at 6%.

Another downside is that the rates for adding a teenage driver to a policy are only average.

And finally, USAA does not offer gap insurance.

More info

Collision repair grade: C+. USAA received an average score from collision repair experts surveyed by the CRASH Network.

Website readability: According to an analysis by VisibleThread, a language analysis platform, USAA's website received a readability score of 49 out of 100. A score of 60 or above is generally preferred. The website's readability score was lowered due to the use of long sentences and passive voice.

Best rates overall

Geico

Geico logo
5.0
Average annual rate for good drivers

$1,183
Average annual rate for drivers with a speeding ticket
$1,581
Complaint level


Low

Why it was choosen?

If you're looking for cheap auto insurance, Geico is definitely worth considering. They have very competitive rates for many different types of drivers. Plus, their level of complaints is lower than most other companies. So if you're shopping around for car insurance, be sure to give Geico a look.

Advantages

They offer good rates for drivers with no accidents or violations, as well as those who have poor credit or a history of driving without insurance.

They also offer great rates for seniors and young drivers, who can be very expensive to insure.

Their accident forgiveness program is one of the best in the industry.

Their usage-based insurance program (DriveEasy) is perfect for good drivers who want to save money based on their driving habits.

There are very few complaints against Geico with state insurance departments.

Drawbacks

Drivers with a DUI on their record will face high average rates. Additionally.

Their rates for adding a teenage driver to your policy are only average.

If you're looking for coverage features such as a new car replacement, a vanishing deductible, or rideshare insurance, you'll have to look elsewhere.

However, one potential upside is that Geico offers an average discount of 8% for bundling auto and home insurance.

More info

Collision repair grade: C-. Geico's collision repair process didn't fare so well in a survey of collision repair professionals conducted by the CRASH Network. In fact, it received a C- for its efforts.

Website readability: Geico's website scored a 28 out of 100 on the readability scale, according to an analysis by VisibleThread. A score of 60 or higher is preferred. Geico's website is written at a 12th-grade reading level, which can be difficult for the average reader to understand.

Best rates on gap insurance

Travelers

Travelers logo
5.0
Average annual rate for good drivers

$1,436
Average annual rate for drivers with a speeding ticket
$1,829
Complaint level


Very low

Why it was choosen?

Travelers offers competitive rates for many types of drivers. In addition, the company has numerous optional offerings that can provide you with better insurance protection. When you are comparison shopping for car insurance, Travelers should be a company you consider.

Advantages

If you're looking for loan/lease gap insurance, Travelers is a great option at just $39 per year.

They also have good average auto rates for drivers with a DUI on their records.

They offer accident and minor violation forgiveness.

Their usage-based insurance program (IntelliDrive) could get safe drivers a significant discount.

Plus, they have a very low level of complaints made about them to state insurance departments.

Drawbacks

Adding a teen driver to your policy can be quite expensive with this company.

They do offer rideshare insurance, but it's only available in a few states.

If you're looking to bundle your auto and home insurance with Travelers, you'll only get a 10% discount - which is on the low end compared to other companies.

More info

Collision repair grade: C+. Travelers' collision repair process was judged to be OK by the CRASH Network.

Website readability: VisibleThread, a language analysis platform, gave Travelers' website a readability score of 40 out of 100. The preferred score is 60 or better. This means that the average reader will find the website moderately difficult to understand, as it is written at a 10th-grade level.

Best rates on adding a teenage driver

Nationwide

Nationwide logo
5.0
Average annual rate for good drivers

$1,550
Average annual rate for drivers with a speeding ticket
$1,980
Complaint level


Very low

Why it was choosen?

Nationwide's car insurance rates are good for some drivers, and it has many helpful add-on coverages. There are very few complaints against it for auto insurance, making it a company worth considering if you're shopping around for a new policy. It's worth noting that Nationwide offers both a usage-based insurance program and a pay-per-mile option for drivers who want to lower their rates based on how much they actually drive.

Advantages

Adding a teenage driver to your car insurance policy can be very expensive, but Nationwide offers some of the best rates in the industry.

Additionally, their premiums are relatively affordable for drivers with poor credit.

They also offer accident forgiveness, new car replacement, and vanishing deductible options to add to your policy.

If you're a good driver who wants to lower your rates based on driving habits, they offer a usage-based insurance program (SmartRide).

And for low-mileage drivers who want to save, they offer a pay-per-mile insurance program (SmartMiles).

Drawbacks

Auto insurance rates are high for drivers who cause an accident that results in injuries.

Drivers with a DUI also face high car insurance premiums.

But one of the biggest drawbacks is that rideshare insurance coverage is not offered.

More info

Collision repair grade: C. Even though Nationwide's collision repair process was found to be just average by the CRASH Network's surveyed collision repair specialists, it still deserves a C grade.

Website readability: The VisibleThread platform gave Nationwide's website a readability score of 41 out of 100, which is not good enough. At least a score of 60 or above is preferable.

Best for digital presence

Clearcover

Clearcover logo
5.0
Average annual rate for good drivers

$1,776
Average annual rate for drivers with a speeding ticket
$2,170
Complaint level


OK

Why it was choosen?

If you're looking for a modern car insurance experience that is affordable and competitive, then Clearcover is the company for you. Their technology-driven approach to insurance is revolutionizing the industry, making them a clear contender in the market. With their digital platform, they are able to sell highly affordable policies that compete with traditional auto insurers. So if you're looking for a new car insurance company, be sure to check out Clearcover.

Advantages

They offer cutting-edge technology.

They provide fast insurance quotes and expedient claims processing - two great reasons to choose our company.

Drawbacks

Their services are only available in 20 states, but it is rapidly expanding.

Additionally, there is limited data regarding customer satisfaction, but the reviews that are available are mostly positive.

More info

Website presence: The company uses cutting-edge digital tools based on artificial intelligence to quote, purchase, and service policies. And their highly-rated mobile app puts users in control of managing their policies. Plus, the streamlined approach enables Clearcover to pay most auto claims in less than a week. Some claims are even eligible for same-day processing! That's much faster than what you'll find with other companies.

Best for digital policy management

Progressive

Progressive logo
4.5
Average annual rate for good drivers

$1,006
Average annual rate for drivers with a speeding ticket
$1,486
Complaint level

Low

Why it was choosen?

Progressive is one of our best auto insurance selections because it offers handy rate tools and has earned high marks for customer satisfaction. Drivers in the U.S. can find a policy that fits their budget and driving habits, backed by a financially strong company.

Advantages

Their digital tools that are strong and well developed.

Their coverage options for many types of vehicles are very persuasive.

Drawbacks

Customer satisfaction scores can vary depending on the region.

Below-average claims satisfaction score.

More info

Digital policy management: When it comes to digital policy management, Progressive is the best option for several reasons. For one, it offers a variety of ways for drivers to save time and money by managing their policies online. For example, its Snapshot app is a usage-based telematics program that monitors driving and provides discounts for safe driving. Even when you're first deciding on the right policy for you, you can use Progressive's online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. Plus, the Progressive mobile app offers instant access to review coverage, ID cards, bill payment, and claims submissions. With Progressive you can have a car insurance policy within minutes.

Best rates for accident caused drivers

State Farm

State Farm Insurance logo
4.5
Average annual rate for good drivers

$1,404
Average annual rate for drivers with a speeding ticket
$1,609
Complaint level


Low

Why it was choosen?

If you're looking for car insurance with competitive rates and low complaints, State Farm is worth checking out.

Advantages

If you have an accident or speeding ticket on your driving record, they provide very competitive rates. In fact, they may even be lower than USAA's rates (although eligibility for USAA is restricted to military families and veterans).

They also have great average rates when adding a teenage driver to your policy.

For senior drivers, who often see rate increases as they age, State Farm is very competitive.

They also offer decent rates for drivers with a DUI and will file SR-22 forms for those who need them.

Plus, for drivers who are willing to let State Farm monitor their driving habits, there's the usage-based insurance program (Drive Safe & Save) which could lead to a discount based on your driving patterns.

Lastly, State Farm has a low level of complaints filed with state insurance departments about their car insurance coverage.

Drawbacks

Their rates may be higher than other companies if you have poor credit.

Additionally, they don't offer gap insurance.

However, if you're looking for coverage options such as accident forgiveness or new car replacement, you'll find plenty of other affordable companies that offer those options.

More info

Collision repair grade: C. Although State Farm's collision repair process was found to be only average by the CRASH Network's survey of experts, it still deserves a grade of C.

Website readability: State Farm's website could be more readable. According to an analysis by VisibleThread, a language analysis platform, State Farm's website received a readability score of 47 out of 100. On average, a score of 60 or greater is preferred. Long and complex sentences brought down State Farm's readability score. making the site less accessible for many readers. Keep this in mind when visiting State Farm's website in the future.

Best discount for full paying

Auto-Owners Insurance

Auto-Owners Insurance logo
4.5
Average annual rate for good drivers

$1,534
Average annual rate for drivers with a speeding ticket
$2,026
Complaint level


Low

Why it was choosen?

Auto-Owners Insurance is a great choice for its optional coverage options, efficient claims process, and low level of complaints. These advantages outweigh its only average rates.

Advantages

They offer a pretty good discount of 14% on average if you pay for the whole policy up front.

Plus, they have gap insurance available in case your car is totaled or stolen.

They also offer accident forgiveness and a diminishing deductible as coverage add-ons.

And if you're a good driver, you can try out their usage-based insurance program (TrueRide) to see if it'll lower your rates.

If you're looking for a new car replacement coverage, Auto-Owners Insurance is definitely worth considering.

Drawbacks

They have high average rates for drivers with a DUI, but this is still lower than the rates offered by most other companies.

They also have the highest auto insurance rates for drivers with poor credit.

Very expensive prices for adding a teenage driver to an existing policy.

More info

Collision repair grade: B+. Even though Auto-Owners didn't receive the highest possible rating for its collision repair service, it still fared fairly well in an annual survey by the CRASH Network. This shows that the company's claims service is still up to par.

Best rates for budgeting

Erie Insurance

Erie Insurance logo
4.0
Average annual rate for good drivers

$1,421
Average annual rate for drivers with a speeding ticket
$1,607
Complaint level

Higher than the industry average

Why it was choosen?

Erie Insurance offers great coverage options and ranks highly for its collision repair claims processes. These advantages more than makeup for any higher car insurance rates you might pay, depending on your driving record.

Advantages

Their's Rate Lock is a great way to budget your costs, as it keeps your rate the same from year to year as long as you don't make any changes to your policy.

They also has reasonable average rates for people who have accidents or speeding tickets on their records.

If you're a new car owner, Erie Insurance is a good choice for you, as it offers gap insurance and new car replacement coverage.

Additionally, they offers accident forgiveness and vanishing deductibles as add-on coverage options.

Finally, collision experts have given Erie Insurance a high grade for its claim process.

Drawbacks

Erie Insurance is not the best choice for drivers with bad credit, as they have high average rates.

It is also expensive to add a teenage driver to your policy.

In addition, Erie has received a higher-than-average number of complaints about its auto insurance from state insurance departments. Most of these complaints are related to surcharges.

More info

Collision repair grade: A-. Erie's collision repair process received the highest grade out of all the companies analyzed. Collision repair specialists surveyed gave Erie an A- grade.

Website readability: Erie Insurance's website readability score of 51 out of 100, according to an analysis by VisibleThread, is perfectly understandable for many readers. In fact, a score of 60 or higher is preferred, but anything above 50 is still decent. Erie's website is written at an 8th-grade reading level, making it accessible for a wide audience.

Best discount for purchase in advance

Allstate

Allstate logo
4.0
Average annual rate for good drivers

$2,024
Average annual rate for drivers with a speeding ticket
$2,303
Complaint level


OK

Why it was choosen?

If you're looking for auto insurance, Allstate is a great choice. It offers superior coverage options, from accident forgiveness to vanishing deductibles. Plus, it has a track record for low auto insurance complaints to state insurance departments. This helps offset rates that are usually higher than its top competitors. So if you want the best protection for your vehicle, go with Allstate.

Advantages

You can get a pretty good discount of around 10% if you purchase your policy 10 days in advance of your start date.

If you're a good driver, you can also try out Allstate's usage-based program (Drivewise) to potentially receive a discount.

And if you don't drive very often, you can use Allstate's pay-per-mile program (Milewise) to save money.

Additionally, new car owners have the option to add on gap insurance and new car replacement coverage.

Plus, Allstate offers accident forgiveness and disappearing deductible as add-ons.

And finally, there are relatively few complaints filed with state insurance departments about Allstate's car insurance service.

Drawbacks

Drivers with a speeding ticket or poor credit tend to have higher than average rates.

And among the companies we analyzed, Allstate had the highest average rates for drivers with an accident or DUI on their record.

However, Allstate also tends to charge higher than average rates for young drivers and seniors.

Additionally, parents who add a teen driver to their policy can expect to see a rate increase.

More info

Collision repair grade: C-. Although Allstate's collision repair process was found to be average at best by the CRASH Network's surveyed collision repair professionals, it still received a C- grade. This shows that there is still room for improvement, but that the company is making progress.

It's important to compare car insurance rates when making a decision about your policy. Our study includes average rates data, but your personal car insurance rate will depend on your age, location, driving record, credit score, and the preferred type and amount of coverage. Getting a quote can help you accurately estimate costs and find the best deal from insurers.

Best for customer service: USAA and State Farm

USAA and State Farm are the best companies for customer service, ranking No. 1 and No. 7 respectively. 65% of USAA customers who haven't filed a claim say they're extremely satisfied with their customer service experience. And even among those who have filed a claim, nearly 64% of USAA customers report that they're extremely satisfied with the insurer's customer service.

State Farm is a good option to consider if you are not eligible for USAA coverage. Nearly 60% of State Farm customers who have not filed a claim report being extremely satisfied with their customer service experience. While USAA and State Farm both have lower customer satisfaction scores among customers who have filed a claim, State Farm's are slightly lower. This means that, overall USAA is a better choice for customers looking for an insurance company that will provide good customer service. However, 56% of survey respondents still report being completely satisfied with their customer service experience.

Nationwide and Geico also received above-average scores for customer service from surveyed customers.

Best for claims handling: Travelers

Travelers is the best insurer for claims handling, scoring a 5.0 out of 5.0. This is the only category in which Travelers unseats USAA, which leads the pack in every other sub-rating category. The majority of Travelers' customers report being completely satisfied with the ease of filing a claim, and an even higher percentage express complete satisfaction with their claims resolution. This demonstrates that Travelers is committed to providing a positive and stress-free experience for its customers.

Farmers, Nationwide, and State Farm also received above-average claims handling scores.

Most likely to be recommended: USAA and Nationwide

USAA and Nationwide are the most recommended insurers by customers, likely due to their low rates and strong scores in all categories.

Over half of USAA customers who haven't filed a claim say they're very likely to recommend the company to others, and an additional 18% say they're likely to do so. But USAA customers who have filed a claim are even more likely to recommend the company, with 61% saying they're very likely to do so and 8% saying they're likely to do so.

If you are not eligible for USAA membership, Nationwide is a great alternative. Thirty-one percent of customers who have not filed a claim say they would recommend Nationwide to other drivers, with another 41% saying they are likely to do so. Nationwide insurance has great ratings from customers who have actually filed a claim. Out of the people surveyed, 42% said they were very likely to recommend Nationwide to others. So you can be confident that you're making a good choice by switching to this insurer.

State Farm and Allstate are also great options if you're looking for an insurer who performs well in this category.

Most likely to be renewed: USAA and State Farm

If you're looking for an insurer with high customer loyalty and a willingness to renew their policy, USAA is the company for you. They beat out State Farm by less than one point in customer loyalty scores.

If you're considering renewing your car insurance policy, you'll be happy to know that 78% of USAA customers who haven't filed a claim say they are likely or very likely to renew their policy. And nearly 70% of survey respondents who have filed a claim say they would recommend USAA to other drivers. So you can be confident that you're making the right decision by renewing your policy with USAA.

Although access to USAA insurance products is limited, State Farm is a great alternative for those who don't qualify for USAA membership. State Farm is the second largest provider of insurance in the United States and is very likely to renew your policy.

Our survey found that 76% of State Farm customers who have not filed a claim are likely or very likely to stay with their current insurer when it’s time to renew their policy. This number drops to 69% among respondents who have filed a claim.

Best for customer loyalty: USAA and Nationwide

If you're looking for an insurer with great customer loyalty, USAA and Nationwide are your best bet. Policyholders who are happy with their service are more likely to recommend the company to others and renew their policy when it expires. USAA has the highest scores in both of these categories, followed closely by Nationwide. State Farm, Travelers, and Farmers also rank well in terms of customer loyalty.

How much does car insurance cost?

It doesn't matter if you need car insurance to register a car or you simply need to renew your policy. Your premium could be higher or lower depending on a few different factors. These include your:

  • Driver record
  • Age
  • Type and amount of coverage
  • Location
  • Available car insurance discounts
  • Credit score
Company Average monthly rates for good drivers Average annual rates for good drivers
USAA $95 $1,143
Geico $99 $1,183
Travelers $120 $1,436
Nationwide $129 $1,550
Clearcover $148 $1,776
Progressive $84 $1,006
State Farm $117 $1,404
Auto-Owners Insurance $128 $1,534
Erie Insurance $118 $1,421
Allstate $167 $2,024

Complaints against auto insurance companies

Some car insurance companies have more complaints against them than others, based on data collected from nationwide. The National Association of Insurance Commissioners has a complaint ratio that reflects the number of complaints an insurer has in relation to its business size. This can help you identify which companies may have more problem spots.

Auto insurance complaints comparison by company
Chart 1: Auto insurance complaints comparison by company based on 2020 complaint data from the National Association of Insurance Commissioners

Who has the best car insurance?

USAA and Geico are the best car insurance companies, according to our most recent data analysis. USAA has the highest overall score in our customer survey and also ranks first in nearly every sub-rating we analyzed. Not to mention, it has the lowest rates among the car insurers included in our study. If you're looking for the best car insurance out there, USAA is a great choice.

If you're a member of the military community, USAA offers great coverage options. However, drivers who don't fit those criteria are probably better off going with Geico. They have the second highest score in our survey and rates that are lower than the average.

Travelers, Nationwide and State Farm also have great scores and should be considered as well.

Which car insurance is the cheapest?

According to our study, USAA has the cheapest car insurance. On average, their rates are $1,143 per year, which is $396 less than the national average. If you don't qualify for coverage through USAA, Geico is likely to have the lowest rates. Geico's average rate is $1,183 per year, which beats the national average by $356.

It's important to remember that an insurer's average rate may not be reflective of your own individual rate. The best way to find the lowest rates available to you is to get quotes from several different insurers and compare them.

More information about USAA car insurance

USAA offers insurance for a variety of vehicles, including cars, motorcycles, ATVs, motorhomes, boats, and classic cars. They also sell aviation insurance for those who travel by plane. Some of the optional coverage types they offer are roadside assistance and rental reimbursement.

U.S. military members (current and former), and their spouses and children, are eligible for USAA insurance.

USAA's accident forgiveness insurance policy protects drivers from rate increases after they cause an accident. If you remain accident-free for five years, your premium will not rise after one at-fault accident. This won't be the case but if you're in a car accident without insurance and not at fault.

In addition, USAA offers rideshare coverage for drivers who use Uber, Lyft and other similar services.

USAA auto insurance discounts

USAA auto insurance customers who have been with the company for a few years may be eligible for "length of membership savings." You could also save up to 10% by bundling your USAA auto insurance with a homeowners or renters insurance policy. Other USAA car insurance discounts include:

  • USAA offers a length of membership discount to customers who maintain their coverage for an extended period of time.
  • Military installation discount: If you store your car on the base, you could be eligible for a discount of up to 15% off your comprehensive coverage.
  • Family discount: As a member of a family that has USAA insurance, you can save on your premium.
  • Vehicle storage: If you store your vehicle, you could save up to 60% on your auto insurance. This is a great way to save money, especially for military members who are deployed and can't use their vehicles.
  • If you drive less than average, you could qualify for a mileage-based discount on your car insurance.
  • Multi-vehicle discount: If you have two or more vehicles, you may be eligible for this price break.
  • New vehicle discount: If you're in the market for a new car, you may be eligible for a discount on a vehicle that's three years old or newer.
  • If your high school or college-aged child maintains good grades, be sure to ask about our good student discount.
  • Driver training discount: If you're younger than 21, you can take a driver's training course to get a discount on your USAA auto insurance policy.
  • Defensive driver discount: By taking an approved defensive driving course, you can improve your skills and get a discount on your insurance.
  • If you have a clean driving record for the past five years, you could save money with safe driver discount.

More information about Geico car insurance

Geico sells insurance for all sorts of vehicles, including cars, motorcycles, classic cars, RVs, ATVs and boats. So whatever your mode of transportation, Geico has you covered.

There are a few different types of optional coverage you can get for your auto insurance, like emergency road service, rental reimbursement, and mechanical breakdown insurance.

If you're worried about your rates going up after an accident, Geico offers accident forgiveness insurance. You can either pay to add it to your policy, or earn it by maintaining a clean driving record. If you're an eligible driver who causes the first at-fault accident, Geico will waive it.

If you are planning on driving south of the border, Geico also offers Mexico auto insurance.

Geico's non-owner car insurance policy is a great option for drivers who don't have regular access to a car. If you frequently borrow or rent cars, a non-owner policy from Geico can help you save money on your insurance costs. On average, a non-owner policy from Geico costs around $311 per year.

Geico auto insurance discounts

Geico offers a variety of discounts to drivers, especially those who practice safe driving habits. For example, military personnel or emergency responders could receive 15-25% off their policy. Additionally, loyal customers may be eligible for the multi-vehicle discount or multiple policy discount. Other auto insurance discounts include:

  • Multi-policy discount: You can save money on your auto insurance premiums when you bundle your policy with other types of insurance offered through the Geico agency, such as homeowners, condo, renters or mobile home insurance. Although Geico does not underwrite these other insurance types, they are available through the Geico agency.
  • Multi-vehicle discount: When you insure multiple vehicles with Geico, you qualify for a multi-vehicle discount.
  • Military discount: If you are active duty military, retired from the military, or in the National Guard or Reserves, you may be eligible for a discount of up to 15% on your car insurance premium.
  • Membership and employee discounts: Geico offers discounts to members of more than 500 alumni associations, fraternities and sororities, and professional organizations.
  • Federal employee discount: As a federal employee, you are eligible to receive a discount of up to 8% on your auto insurance premium.
  • Good student discount: If you are a student between the ages of 16 and 24, and you maintain a B average or better, you may be eligible for a good student discount.
  • Driver’s education discount: You may be eligible for discounts on most of your coverage types if you have a young driver on your policy that completes a driver’s education course.
  • Driving course discounts: You can save on your premium by completing a defensive driving course.
  • Discounts for driving history and habits: If you have a good driving record and have been accident-free for five years, you may be eligible for a discount of up to 26% off most coverages. Additionally, you can save up to 15% on the medical payments or personal injury protection portion of your policy if you and your passengers always wear seat belts.
  • Vehicle equipment discounts: You could be eligible for a discount of up to 40% off the medical payments or personal injury protection portion of your policy if your car is equipped with certain safety features, such as side airbags or full front-seat airbags, anti-lock brakes, or an anti-theft system.

More information about Travelers car insurance

If you're looking for comprehensive coverage for your car, boat, or yacht, Travelers has you covered. They offer a variety of insurance plans to fit your needs, as well as optional add-ons like roadside assistance and rental reimbursement. So, whether you're hitting the open road or the open water, you can rest assured that you're covered.

If you're financing or leasing a vehicle, Travelers offers loan/lease gap insurance to protect your investment. If your vehicle is totaled, this coverage can help pay off the remaining balance of your loan or lease. This way, you won't be left owing money on a car that you can no longer use.

And as long as you're not in New Jersey, New York, or North Carolina, by all means your car insurance and registration don't have to be under the same name.

Travelers car insurance discounts

There are many possible discounts. If you like to stay ahead of your bills, look for EFT and pay-in-full discounts. Travelers’ car insurance discounts may include:

  • Driver training discount: At Travelers, they want to encourage young drivers to work on their driving skills. That's why they offer a driver training discount of up to 8%. So, if your young driver takes a qualified training course, they could save money on their insurance.
  • Student away from home discount: Save up to 7% on your insurance premium by enrolling your college student in the Student Away from Home Discount program. If your student is attending school more than 100 miles from home and will not be driving your car, you could qualify for this discount.
  • Early quote discount: Don't wait until it's too late – get a Travelers auto insurance quote before your current policy expires and you could save up to 10%.
  • ETF, paid in full, and good payer discounts: Automatic payments, paying in full, or always paying on time brings you another 15% discount.
  • New car discount: If you own a newer model car that is three years old or less, you could be eligible for a discount of up to 10%.
  • If you own or lease a hybrid or electric car, be sure to ask about the hybrid or electric vehicle discount.
  • Continuous insurance discount: If you want to save up to 15% on your car insurance, make sure you have continuous coverage without any gaps.
  • Safe driver discount: If you're a safe driver with no accidents or violations in the past three years, you could be eligible for a discount of up to 10%. And if you've been accident-free for the past five years, you could save up to 23%.
  • Homeownership discount: As a homeowner, you're already responsible for a lot. So, Travelers want to help lighten your load by offering a 5% discount on auto insurance for all our fellow homeowners out there. It's just their way of saying thanks for being a part of the community.
  • Multi-car discount: This discount is available for customers who have multiple cars on one policy. By insuring all your vehicles with one company, you'll be eligible for this money-saving discount.

More information about Nationwide car insurance

Looking for insurance coverage for your car, classic car, motorcycle, RV, ATV or boat? Look no further than Nationwide! We also insure snowmobiles for all you winter-fun enthusiasts out there.

Nationwide offers a "vanishing deductible" to drivers who are concerned about having to pay a high deductible in the event of an accident. If you go a whole year without getting into an accident, you can earn $100 off your deductible. This discount applies up to $500 total.

Adding accident forgiveness to your Nationwide policy can help you avoid a rate increase if you're ever in an at-fault accident. Though there is a cost to add this coverage, it's worth it to know that your rates won't go up after an accident.

Nationwide provides a grace period of 10 days for adding a used car to an insurance policy.

Nationwide’s Pay-Per-Mile and Usage-Based auto insurance

If you're looking for a way to reduce your car insurance bill, Nationwide has two great options for you. Their Pay-Per-Mile and Usage-Based Auto Insurance plans are designed for drivers who don't drive often or who have a proven track record of safe driving.

If you don't drive very often, Nationwide offers a SmartMiles auto insurance policy that could save you money. This policy provides the same coverage as a traditional Nationwide auto insurance policy, but your premium is mostly based on how many miles you actually drive. Your rate consists of two parts: a base rate and a variable per-mile rate. Since your variable rate changes depending on how much you drive, your monthly rate will also fluctuate month to month.

If you're looking for ways to save on your auto insurance, Nationwide's SmartRide usage-based insurance program could be a great option. You can earn up to 10% off just by signing up, and if you have good driving habits, you could earn up to 40% off your policy.

Nationwide auto insurance discounts

If you're looking for discounts on your car insurance, Nationwide is a great place to start. They offer several discounts, especially for drivers with safe driving habits. If you have a driver in high school or college, you may be eligible for Nationwide's good student discount.

Nationwide's car insurance discounts also include:

  • Paperless discount: You can receive a discount on your insurance rates by opting to receive your documents and bills electronically, instead of on paper.
  • Easy pay sign-up discount: You can enjoy a one-time discount by signing up for automatic payments from your bank.
  • Anti-theft discount: Be sure to inquire about the anti-theft discount for your vehicle if it is equipped with certain anti-theft devices.
  • Good student discount: If you're a good student aged 16-24 and maintain a "B" average or better in high school or college, you could be eligible for savings on your car insurance. So, it pays to study hard.
  • Defensive driving discount: Take a defensive driving course and enjoy a discount on your car insurance. This state-approved safety course will teach you how to drive more defensively, helping you to avoid accidents and keeping your rates low.
  • Accident-free and safe driver discounts: You could receive a discount for being a safe and accident-free driver.
  • Multi-policy discount: Bundle your home and auto insurance policies together to save on both.

More information about State Farm car insurance

As the largest auto and home insurer in the United States, State Farm offers a wide range of insurance products to meet your needs. Whether you're looking for car insurance, motorcycle insurance, RV insurance, or coverage for your classic car, or boat State Farm has you covered. Plus, with their convenient online tools, it's easy to get a quote and purchase insurance coverage that's right for you.

State Farm offers different options to lower your car insurance down-payment by bundling your home and auto insurance or choosing one of their many discounts below.

State Farm auto insurance discounts

If you're a safe driver or have multiple vehicles on one policy, you could save money on State Farm auto insurance rates.

  • Driver training discount: If your young driver, under the age of 21, completes a driver training course, be sure to ask about our driver training discount.
  • Defensive driving course discount: You could save around 10% to 15% on your car insurance premium by taking an approved defensive driving course.
  • Loyal customer discounts: If you're a loyal customer who insures more than one vehicle or has other insurance types, you could be eligible for a loyalty discount. For example, drivers who insure at least two vehicles on the same policy could save up to 20%. And if you bundle your home, condo, or life insurance with an auto insurance policy, you could save even more – up to 17%.
  • Multi-policy discount: By bundling your auto insurance with other types of insurance, such as homeowners, renters, condo, or life insurance, you could save money on your overall premium.
  • Multi-vehicle discount: If you have multiple cars in your household, you could be eligible for a discount on your State Farm insurance policy. So be sure to ask about the multi-vehicle discount the next time you're up for renewal.
  • Anti-theft discount: If your car has an alarm or other type of anti-theft device, you could be eligible for a discount on your insurance premium.
  • Safe vehicle discounts: If you have a newer vehicle with the latest safety features, you could be eligible for insurance discounts from State Farm. For example, if your vehicle was made in 1998 or after (depending on the make and model of the car), you could save up to 40% on medical-related coverage. By driving a safe vehicle, you could save money on your insurance premiums.
  • Student away at school discount: As a college student, you could be eligible for a discount on your car insurance if you move away from school. If there is a driver in your household under the age of 25 who attends school away from home, you could qualify for this discount.
  • Good student discount: As a full-time student with a B average or higher, you could be eligible for a good student discount of up to 25%. This discount can stay with you even after graduation until you reach the age of 25. So, if you're a full-time student, be sure to ask your insurance provider about this money-saving opportunity.
  • Accident-free discount: You could save on your insurance premium by driving accident-free for three years in a row.
  • Safe driver discount: You could be eligible for a safe driver discount if you have maintained an accident-free driving record or have taken steps to educate yourself on best driving practices. For example, many insurance companies offer a discount to drivers who have completed a defensive driving course or have gone three years without a moving violation or at-fault accident.

More information about Auto-Owners car insurance

Auto-Owners provides insurance for a variety of vehicles, including cars, ATVs, motorcycles, trailers, boats, and RVs. And for those who enjoy exploring the nation in a motorhome, they have you covered with their motorhome and RV insurance plans.

If you're looking for comprehensive coverage for your car, the Personal Automobile Plus Package from Auto-Owners is the perfect option. It includes 10 additional coverage options beyond the standard roadside assistance, including identity theft protection, re-keying locks and cell phone replacement.

Auto-Owners offers "diminished value" coverage. With this type of coverage, you'll receive compensation for any damage that lowers the value of your vehicle, even after it's been repaired.

Auto-Owners Insurance customers may be eligible for a few additional benefits, including a “collision coverage advantage.” With this benefit, your collision deductible is waived if you’re in an accident with another vehicle insured by Auto-Owners Insurance.

Auto-Owners Insurance do not offers a car insurance without a driving license.

Auto-Owners car insurance discounts

Auto-Owners offers several discounts that can save you money, especially if you have a student driver. Look for the good student discount and the away-at-school discount. If you care about the environment, you can also take advantage of the green discount. Other money-saving discounts include:

  • Teen driver monitoring discount: If your car has a permanently installed GPS, you may be eligible for a teen driver monitoring discount. Ask your insurance agent about this discount to see if you can save on your premium.
  • Student away at school discount: If your student is away at school more than 100 miles from home without a vehicle, you should qualify for this discount.
  • Good student discount: As a good student, you may be eligible for up to a 20% discount on your car insurance. To qualify, your high school or college-age driver must maintain at least a “B” average.
  • Safety features discounts: You could qualify for a discount on your car insurance if you have safety features like airbags or anti-lock brakes installed in your vehicle.
  • Multi-car policies: If you insure two or more cars under the same policy, you can get a discount.
  • Advance quote discount: Get a discount on your insurance premium by requesting a quote in advance of your policy's effective date. This discount is available to new customers.
  • Take advantage of their paid-in-full discount by paying your annual premium all at once and on time.
  • Life multi-policy discount: If you bundle a qualified life insurance policy with your auto policy, you could be eligible for a life multi-policy discount.
  • Green discount: You will receive a discount if you opt for paperless billing and pay your bill online.
  • Payment history discount: If you have a good payment history and have paid your policy on time for the last 36 months, you may be eligible for a discount.
  • Multi-policy discount: You may be eligible for a discount on your auto insurance policy if you have other policies with Auto-Owners (such as homeowners’ insurance).

More information about Allstate car insurance

Allstate sells insurance for cars, motorcycles, classic cars, boats, ATVs, and RVs. So whether you're a traditionalist or an adventurer, we've got you covered.

Some optional coverages you can add to your Allstate policy include roadside assistance, rental reimbursement, and sound system insurance. Gap insurance, new car replacement, and diminishing deductible are all important add-on coverage options that Allstate offers.

Gap insurance covers you if your car is totaled in an accident and you owe more than the vehicle’s value. Allstate's new car replacement coverage will pay to replace your car with a new one of the same makes and model if it is two model years old or less and totaled in an accident covered by your policy. If you enroll in the diminishing deductible program, you'll immediately get $100 off your collision deductible. Plus, if you stay claim-free, you can continue to reduce your deductible each year, up to a maximum of $500.

Allstate car insurance discounts

Allstate car insurance offers a variety of discounts, especially for safe drivers. Teen drivers and their parents can take advantage of discounts like the smart student discount and teenSMART driver education program. Car features like anti-lock brakes and anti-theft devices can also help you get a discount. Other discounts include:

  • Safe driving club discount: If you're a safe driver, you could qualify for the safe driving club and receive a discount on your insurance rates.
  • EZ plan pay discount: Receive a lower rate by setting up automatic payments. This convenient payment method will save you time and money in the long run.
  • Full pay discount: Paying your annual premium in full gives you a discount.
  • eSmart discount: Sign up for an ePolicy with Allstate and save money by going paperless. You'll be doing your part to help the environment, and you'll be able to access your policy information anytime, anywhere. It's a win-win!
  • Anti-theft discount: You can save money on your auto insurance by installing an anti-theft device in your car.
  • Anti-lock brake discount: If you have a car with anti-lock brakes, you could save money on your auto insurance.
  • New car discount: You can get a new car discount if you're the first owner of a car from the current or previous year.
  • Multiple policy discount: If you have more than one Allstate policy, such as auto and homeowner’s insurance, you're eligible for a multiple policy discount.
  • Responsible payer discount: If you've been a responsible payer and haven't received a cancellation notice in the past year, you qualify for a discount.
  • Early signing discount: Sign up for your policy early, seven or more days before the start date and receive a discount of up to 7%.

More information about Erie car insurance

Erie Insurance offers a wide range of vehicle insurance options for cars, motorcycles, RVs, classic cars, and boats. You can also purchase insurance for snowmobiles, ATVs, and golf carts. Optional add-ons include:

Other services that can be added on include roadside assistance, transportation expenses, and rental car coverage. Lease loan protection and ridesharing coverage are also available.

Erie offers new car protection for drivers who have recently purchased a new car. With this coverage, if your car is totaled in an accident that is covered by your policy, it will be replaced with the latest model. Erie also offers "better car protection," which pays to replace your vehicle with a car that is two years newer.

Erie car insurance discounts

Erie offers several auto insurances discounts, especially for safe drivers. If you have a driver under age 21 on your policy, look for Erie’s discount for young drivers. If you don't use your car very often, you could save money with the reduced usage discount. Some of the other discounts that are available include:

  • College credit: If your college-aged child is away at school and does not have access to your car, you may be eligible for a discount on your auto insurance premium.
  • Annual payment plan: You may be able to save money by paying your annual auto insurance premium in one lump sum, rather than making monthly payments.
  • Young driver discount: If you have a young driver in your household who is unmarried and under the age of 21, you could be eligible for a discount on your auto insurance policy.
  • Reduced usage discount: If you can go without using your car for at least 90 days in a row, you could be eligible for a reduced usage discount on your policy.
  • Multi-policy discount: You can save money on your auto insurance premium by bundling it with other types of insurance, like homeowner’s insurance, through Erie. Be sure to ask about the multi-policy discount when you're getting quotes.
  • Multi-car discount: If you insure two or more vehicles under the same policy, you may be eligible for a multi-car discount. This could save you money on your monthly premium.
  • Car safety equipment discount: Adding safety features to your car can help you get a discount on your insurance premiums. Factory-installed airbags, passive restraint systems, and anti-theft devices are all examples of features that could qualify you for a discount.
  • Safe driving discount: If you're a safe driver with a clean driving record, you could be eligible for a safe driving discount.

Best auto insurance companies by state

If you know the average cost of car insurance in your state, you can determine if you are paying too much or too little. This knowledge could also help you find the best auto insurance rates. However, it is important to remember that rates vary based on more than just location. Your premium will be affected by your individual circumstances. Therefore, while the average rates can be used as a guide, they should not be relied on too heavily.

State Cheapest company Average annual rates for good drivers
Alabama Geico $1,079
Alaska Allstate $1,771
Arizona Geico $994
Arkansas State Farm $1,315
California Wawanesa $1,667
Colorado Geico $1,162
Connecticut Geico $721
Delaware Geico $1,206
Florida Geico $1,687
Georgia Allstate $2,009
Hawaii Geico $1,205
Idaho American National $586
Illinois Pekin Insurance $1,062
Indiana Geico $786
Iowa State Farm $888
Kansas Travelers $1,311
Kentucky Geico $1,072
Louisiana Louisiana Farm Bureau $2,439
Maine Geico $591
Maryland Travelers $1,286
Massachusetts Geico $1,021
Michigan Geico $1,046
Minnesota State Farm $1,089
Mississippi Direct General Insurance $1,027
Missouri State Farm $1,403
Montana State Farm $1,796
Nebraska Farmers Mutual of Nebraska $1,369
Nevada Geico $1,378
New Hampshire Concord $764
New Jersey Plymouth Rock $1,162
New Mexico Geico $1,064
New York Progressive $1,048
North Carolina Geico $873
North Dakota Geico $759
Ohio Geico $765
Oklahoma Geico $1,154
Oregon State Farm $1,007
Pennsylvania Erie $1,165
Rhode Island Geico $1,335
South Carolina American National $722
South Dakota Geico $1,070
Tennessee State Farm $878
Texas Texas Farm Bureau $1,034
Utah Geico $829
Vermont Geico $594
Virginia Geico $1,044
Washington Geico $1,097
Washington, D.C. Allstate $1,948
West Virginia Geico $1,161
Wisconsin Geico $789
Wyoming Erie $1,511

Our methodology for finding the best car insurance companies

Our rating of the best car insurance companies is based on feedback from real consumers who have filed claims in the last five years. We asked them questions about their satisfaction with the claims process, customer service, communication about claim status, and overall resolution. We also inquired as to whether they would recommend the company to others and if they planned to renew their policy. Their responses helped us to build our rating.

We partnered with a provider of pricing analytics solutions for the U.S. insurance industry to get comparative insurance rates for this study. This provider analyzed a report of insurance rates in all states from most of the largest national car insurance companies. Not every company operates in every state, but the provider was able to obtain publicly available rate data that car insurers file with state regulators.

Our study rates are based on profiles for both male and female drivers aged 20, 30, 40, and 60. The vehicles used in our study include the 2016 and 2020 Honda Accord, 2016 and 2020 Toyota Corolla, and 2016 and 2018 Ford F-250 Super Duty. Annual mileage ranged from 5,000 to 13,000 miles.

Three levels of car insurance coverage and three tiers of credit (good, fair, and poor) were used in the calculations. Drivers with clean records, as well as those with one accident, one speeding violation, or one DUI on their record, were also used to calculate certain driver types.

The rates shown here are for comparative purposes only and should not be considered indicative of the average rates offered by individual insurers. Because car insurance rates are calculated based on individual factors, the rates you receive from your insurer will differ from the rates shown here.

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