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10 Best Car Insurance Companies (2021 Review)

  • 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 our tips for finding the best car insurance for you.

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

Finding the best car insurance can be a long and frustrating process. Every company claims to provide the best services at the lowest prices. But who actually provides the best auto insurance on the market?

To help you answer that question, we have done extensive research on the top 32 auto insurance companies in the industry 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 car insurance quotes.

Who has the best car insurance plans? We compared 10 different providers and listed our top six, based on different factors.
Who has the best car insurance plans? We compared 10 providers and listed our top six, based on different factors.

Best Car Insurance Superlative Overall Score (%) Coverage Score (%) Affordability Score (%)
GEICO Best Overall 96 95 95
USAA Best for Military Families 96 95 95
State Farm Best for Student Drivers 95 95 90
Progressive Best for High-Risk Drivers 95 95 90
AAA Best Membership Perks 92 90 90
Liberty Mutual Best for New Drivers 91 95 85
The Hartford 91 95 90
Allstate 90 90 80
Nationwide 89 95 85
Root Auto 89 85 95

GEICO: Best Overall

We chose 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. Car insurance coverage options from GEICO are well suited for young drivers, military members, and those who prioritize safe driving habits. Those looking for high liability coverage limits should also consider a policy with GEICO.

GEICO makes it easy to sign up by offering all of its services online, whether you are applying for a car insurance policy or going through the claims process. Based on our research, GEICO is one of the best car insurance providers on the market.

GEICO discount opportunities include:

  • Military discount
  • Safe driver discount
  • Multi-policy discount
  • New vehicle discount
  • Multi-vehicle discount
  • Safety device discount
  • Good student discount
  • Anti-theft device discount
  • Defensive driving discount
  • Federal employee discount
  • Driver’s education discount
  • Emergency deployment discount

Years in Business: 85 years (since 1936)

Market Share: 13.78 percent, based on the 2019 National Association of Insurance Commissioners (NAIC) report

Availability: All 50 states

GEICO Pros GEICO Cons
  • Often the most affordable car insurer
  • A++ financial strength rating from AM Best
  • 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 the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM and U.S. Auto Insurance StudySM, the company 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 available today. 

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 the spouse or child of someone who has USAA membership.

USAA offers the following discounts:

  • Family discount
  • Military discount
  • Safe driver discount
  • Multi-policy discount
  • New vehicle discount
  • Multi-vehicle discount
  • Good student discount
  • Driver training discount
  • Vehicle storage discount
  • Annual mileage discount
  • Defensive driving discount
  • Military installation discount

Years in Business: 99 years (since 1922)

Market Share: 6.01 percent

Availability: All 50 states, but limited to military members and families

USAA Pros USAA Cons
  • Highest score in J.D. Power’s 2020 Auto Claims Satisfaction Study
  • A++ financial strength rating from AM Best
  • Suited for individuals traveling or living abroad
  • Instant service through website or app
  • Excellent claims service
  • 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

State Farm: Best for Student Drivers

State Farm is the largest auto insurance company in the U.S., accounting for just over 16 percent of the market in 2019, according to the NAIC. The insurer has what is arguably the best financial strength among the auto insurance companies on this list. However, what most people associate with State Farm is not its size or financial strength, but rather its customer service agents. If you apply for State Farm insurance, you will be assigned a local insurance agent, with whom you’ll work closely to customize policies or file a claim.

If you don’t want to work 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 money, making State Farm the best car insurance option for college and high school students.

State Farm policyholders can take advantage of the following discounts:

  • Anti-theft discount
  • Multiple line discount
  • Good driving discount
  • Accident-free discount
  • Multiple auto discount
  • Vehicle safety discount
  • Good student discount
  • Driver training discount
  • Passive restraint discount
  • Defensive driving discount
  • Student away at school discount

Years in Business: 99 years (since 1922)

Market Share: 16.14 percent

Availability: 48 states (excludes Massachusetts and Rhode Island)

State Farm Pros State Farm Cons
  • Largest auto insurer in the U.S., currently servicing over 83 million policies
  • Dedicated insurance agents
  • A++ financial strength rating from AM Best
  • Multiple car insurance apps 
  • Wide range of discounts
  • Average customer service and claim handling ratings
  • Mixed reviews
  • 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, Progressive has only improved its online experience by adding features such as the Name Your Price® tool that allows you to start with your desired payment and view the best car insurance plans based on your budget.

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.

While it may be the best choice for drivers with a history, it should be noted that the average Progressive customer pays about $1,500 to $2,000 per year, which is more than the national average.

Progressive discount offers include:

  • Multi-car discount
  • Pay in full discount
  • Sign online discount
  • Teen driver discount
  • Multi-policy discount
  • Good driver discount
  • Homeowner discount
  • Online quote discount
  • Good student discount
  • Distant student discount
  • Paperless billing discount
  • Automatic payments discount
  • Continuous coverage discount

Years in Business: 84 years (since 1937)

Market Share: 12.25 percent

Availability: All 50 states

Progressive Pros Progressive Cons
  • A+ financial strength rating from AM Best
  • More affordable for drivers who have a DUI/DWI
  • Offers free pet injury coverage
  • Great online comparison tools
  • Good range of discounts available
  • Customers pay more than the national average
  • Average J.D. Power scores for customer service

AAA: Best Membership Perks

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, AAA is one of the best car insurance options in the industry.

Discount offers from AAA vary by region, but common AAA discount opportunities include:

  • Loyalty discount
  • New car discount
  • Pay-in-full discount
  • Safe driver discount
  • Homeowner’s discount
  • Multiple policy discount
  • Safety features discount
  • Multiple vehicle discount
  • Paperless billing discount
  • Professional association discount

Years in Business: 119 years (since 1902)

Market Share: 0.81 percent

Availability: All 50 states, though coverage is regionally focused 

AAA Pros AAA Cons
  • A financial strength rating from AM Best
  • Good range of discounts available, especially for members
  • Local expertise
  • Need to be a 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 also 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 the highest new driver discount out of our compared brands. Other auto insurance 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.

Liberty Mutual discount offers include:

  • Military discount
  • Multi-car discount
  • Multi-policy discount
  • Homeowner discount
  • Accident-free discount
  • Violation-free discount
  • Early shopper discount
  • Good student discount
  • Safety features discount
  • Paperless policy discount
  • Anti-theft device discount
  • Online purchase discount
  • Automatic payment discount
  • Hybrid/electric vehicle discount
  • Student-away-at-school discount

Years in Business: 109 years (since 1912)

Market Share: 4.62 percent

Availability: All 50 states

Liberty Mutual Pros Liberty Mutual Cons
  • A financial strength rating from AM Best
  • Active in 17 countries
  • High discounts, especially for young drivers
  • Special teacher coverage
  • Claims process ranks below average in customer satisfaction
  • Higher premiums
Car Insurance 1
You never know when you will need it: we provide six tips below to help you find the best car insurance.

How to Find the Best Car Insurance

As you call around and get auto insurance quotes from providers, consider these tips to help find the best car insurance for you.

1. Shop around and compare rates from many auto insurance companies.

Be aware that no single insurer is the lowest-priced option for everyone, and the best car insurance for you might be different than the best provider for someone else. Your premium is dependent on several factors, which is why the cheapest car insurance company for one driver in one location can be the most expensive option for another driver in a different state. Because of this, the best way to find cheap car insurance is to get car insurance 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 auto insurance rates, 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 auto insurance policy

3. Always ask about possible discounts. 

Many insurance companies will offer discounts, so make sure to find out what discounts are available to you to find the best car insurance. Common discounts include those for: 

  • New drivers
  • Federal employees
  • Drivers with multiple cars on the same policy
  • 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 who have homeowners or renters insurance with their car insurance provider
  • Drivers who pay their annual premium in one payment or choose automatic payments
  • Drivers with clean driving records, remaining accident-free for a certain number of years
  • Drivers with insured vehicles possessing air bags, 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, as 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 scores can be used as a predictor of risk for automobile policies. The study found that, as the credit score decreases, the number of insurance claims consumers file increases, as well as the cost of those individual claims. Because of this, car insurance companies charge higher-risk drivers higher premiums and lower-risk drivers lower premiums. While this correlation is not always 100-percent accurate, this standard is still used by insurance companies today.

It can take time to build credit, but if your credit score has improved since you first purchased your policy, you may want to shop around and see if you can find a lower rate.

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 collisions, floods, fire, vandalism, and car theft.

While maintaining full coverage auto insurance that includes collision and comprehensive policies is 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.

Drivers are required to maintain a bodily injury liability and property damage liability insurance in most states. Some states also require drivers to purchase personal injury protection, medical payments insurance, and/or uninsured/underinsured motorist coverage. Comprehensive and collision coverage is not required by law in any state.

To start comparing quotes and find the best car insurance for you, fill out the form below.

Compare Car Insurance Quotes to find Your Best Rate