Compare 10 of the best car insurance providers and their scores in different categories.
See our top six car insurance recommendations and their pros and cons.
Read six tips to help you find the best car insurance for you.
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Finding the best car insurance can be a long and frustrating process. All the companies you’ve researched claim to provide the best services at the lowest prices. And you have probably seen all the ads on TV for different companies, all saying they have the best coverage and the highest discounts. But who actually provides the best car insurance on the market?
To help you answer that question, we have done extensive research on the top 32 auto insurance companies to see how they compare. We’ve narrowed our selection down to the 10 best choices for car insurance. Our scoring is based on factors such as: availability, customer service, affordability, coverage, industry standing, and online experience.
Keep reading to see a breakdown of our top choices, and use the form below to get free, personalized quotes.
We choose GEICO as our top pick because of its high scores across all categories and availability to most drivers. With low premiums and a long list of discounts, GEICO is an excellent choice for anyone on a tight budget. The insurance coverage is also well suited for young drivers, military members, and those who prioritize safe driving habits.
GEICO also makes it easy to sign up by offering all of its services online, whether you are applying for a policy or going through the claims process. Based on our research, GEICO is one of the best car insurance providers on the market.
Years in Business: 84 years (since 1936)
Market Share: 13.78 percent (based on the 2019 National Association of Insurance Commissioners Report)
Good rates for teens/students and those involved in at-fault accidents
Highest-rated mobile app
Does not offer Guaranteed Asset Protection (gap) insurance
Average customer service
USAA: Best for Military Families
USAA enjoys an outstanding reputation and for good reason. In J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study, the company was rated as “among the best” and had the highest scores. From AM Best, it received the highest possible rating of “Superior,” indicating financial stability and thereby making it one of the best car insurance companies.
While USAA tied for the highest overall rating in our industry review, the provider comes with a limitation. To be insured through USAA, you must have either served in the U.S. Military or be a family member of someone who has served.
Years in Business: 98 years (since 1922)
Market Share: 6.01 percent
Availability: All 50 states, but limited to military members and families
Highest score in J.D. Power’s 2019 Auto Claims Satisfaction Study
Limited to U.S. military members (enlisted, active, honorably separated, or retired), candidates in commissioning programs, and spouses and children of USAA members with an auto or home policy
Does not offer gap insurance, interior vehicle coverage, or new car replacement coverage
No physical locations
State Farm: Best for Student Drivers
State Farm is the largest auto insurance company in the U.S., accounting for 16 percent of the market and granting the insurer arguably the best financial strength of the compared auto insurance companies. But what most people associate with the insurance company is not its size or financial strength, but its customer service agents. If you apply for State Farm insurance, you will be assigned a local insurance agent, whom you’ll work closely with to customize policies or file a claim.
If you don’t want to worry about working with an agent in person, you can visit State Farm’s website or use one of State Farm’s four apps, including the State Farm App, Drive Safe & Save™, Steer Clear®, and the State Farm Pocket Estimator. Steer Clear is a safe driving program that is a great way for drivers under the age of 25 to save, making State Farm the best car insurance option for college students.
Years in Business: 98 years (since 1922)
Market Share: 16.14 percent
Availability: 48 states (excludes Massachusetts and Rhode Island)
Largest auto insurer in the U.S., currently servicing over 83 million policies
Average customer service and claim handling ratings
Does not offer accident forgiveness
Progressive: Best for High-Risk Drivers
Everyone knows Flo, the fictional salesperson from Progressive, but did you know Progressive has a history of being a step ahead of competitors, including being the first to allow people to purchase insurance plans online in the 1990s?
Since then, the insurer has only improved its online experience by adding features such as Progressive’s Name Your Price® tool that allows you to start with your desired payment and view the best car insurance plans.
Progressive also sets itself apart by being more affordable for drivers who have a DUI/DWI on record. While many auto insurance companies double or even triple payments, Progressive merely increases the premium an average of six percent.
But while it may be the best choice for drivers with a history, it should be noted that the average Progressive customer pays $1,500 to $2,000 per year, which is more than the national average.
Most of us associate AAA with roadside assistance, but the company offers much more – including car insurance. AAA stands out because of its unrivaled benefits to its members, including discounts on insurance, automotive, bicycle, and locksmith services, as well as select retailers, dining outlets, rental cars, and more.
While the company has over 60 million members, note that its services are regionally focused and therefore not available in all zip codes. Another thing to keep in mind is even though the company offers a wide range of discounts, you have to be a member of AAA, which requires you to pay an annual fee to qualify for insurance and other benefits. If you do qualify, though, AAA is one of the top choices for the best car insurance in the industry.
Years in Business: 118 years (since 1902)
Market Share: 0.81 percent
Availability: All 50 states, though coverage is regionally focused
A financial strength rating from AM Best
Good range of discounts available, especially for members
Need to be a Roadside Assistance Member to be eligible for insurance
Not available for all zip codes
No rideshare coverage
Liberty Mutual: Best for New Drivers
Liberty Mutual is one of the best car insurance companies in the U.S. and sells property and casualty, health, and life insurance policies. Though the company started over 100 years ago in the U.S., it has a large international presence and now operates in 17 countries.
We recommend this auto insurance company particularly for new drivers, as it has highest new driver discount out of our compared brands. Other discounts include an online purchase discount, a bundling discount when also purchasing home insurance, and up to 30-percent off for drivers with a good record.
As with most car insurance companies, rates depend on your geographic location. This is especially true for Liberty Mutual’s car insurance rates, so make sure to get an accurate quote.
Ranks below average in claims process satisfaction by customers
How to Find the Best Car Insurance
As you call around and get quotes from providers, consider these tips to help find the best car insurance for you.
1. The only way to ensure you’re getting the lowest rate possible is to shop around.
Be aware that no single insurer is the low-price leader for everyone, and the best car insurance for you might be different than that of another person. Your premium is dependent on several factors, which is why one insurance company that is cheapest for one driver in one location may be the most expensive option for another driver in a different state. Because of this, we recommend you get quotes from different providers to compare their prices.
You can get a head start by filling out the form at the top of the page.
2. Understand the factors that affect your insurance rates.
As mentioned above, several factors determine your rate, so make sure you know what those factors are. The most common include:
Your credit score
Your driving history
Your zip code or state
Years of driving experience
Your age and marital status
The year, make, and model of your car
The number of miles you drive each month
How many cars are part of your insurance policy
3. Always ask about possible discounts.
Many insurance companies will offer discounts, so make sure to ask and see what discounts are available to you to find the best car insurance. Common discounts include, but are not limited to:
Full-time students with a good academic record
Military personnel, veterans, and family members
Drivers who have taken driver’s ed or defensive driving courses
Drivers with multiple cars on the same policy or who use the same provider
Drivers with clean driving records (i.e., accident free for a certain number of years)
Drivers who have homeowners or renters insurance with the car insurance provider
Drivers who pay their annual premium in one payment or choose automatic payments
Drivers with insured vehicles possessing airbags, anti-lock brakes, anti-theft systems, or daytime running lights
4. Set the right deductible.
If you have several years of driving experience and a good driving record, you could consider paying a higher deductible, which would lower your premium. The downside is you risk paying more out of pocket in the event of an accident, which is why we only recommend this gamble for more established drivers. But if you do consider it worth the risk, it could lead to savings of hundreds of dollars a year.
5. Regularly check your credit score since a low score may impact your premium.
Unless you live in California, Hawaii, or Massachusetts, your credit score is used to calculate your premium. A Federal Trade Commission study conducted in 2007 found that credit-based insurance scores can be used as an effective predictor of risk under automobile policies. The study found that, as the credit score decreases, the number of claims consumers file increases, as well as the cost of those individual claims. Because of this, car insurance companies charge higher-risk consumers higher premiums and lower-risk consumers lower premiums. While this correlation is not always 100-percent accurate, this standard is still used by insurance companies today.
6. Consider skipping comprehensive and collision coverage for an older car.
Collision coverage is intended to pay for repairs to your car if it is damaged by another car or an object, such as a fence.
Comprehensive coverage pays for repairs for damages caused by things such as weather, animal crashes, floods, fire, vandalism, and car theft.
Though these coverages are beneficial, the maximum payout for either of these policies is limited by the value of the car. Because of this, if your car is older or has a lot of miles and therefore has a lower market value, it may not make sense to pay for both of these coverages.
To start comparing quotes and find the best car insurance for you, fill out the form below.