Our analysis is based on data and quotes from over 140 car insurance companies, and we’ve picked the top car insurance companies of 2025. Here, we have broken down everything from price to features and customer reviews, so you have all the information.
Key Takeaways
Choosing a car insurance company can be overwhelming. With multiple options, rates, and the fine print that one tends to miss, how do we get the best deals without sacrificing good car insurance services? Here we’ve done it all. Analyzed quotes, customer service ratings, and policy options from over 140 carriers to find the companies which includes the top auto insurance providers that’ll fit your needs and budget.
There are both driving and non-driving factors that govern the car insurance rates. It is common that your preference leans towards affordable policies; however, there are other factors like discounts, customer service, and those policies that adapt to your driving profile. The other priorities include your budget and coverage. Here are the top-rated car insurance companies listed based on these factors that’ll help you choose better.
Before we look at the pros and cons, what works and what doesn’t, there are a few core qualities that truly make it the best car insurance company. Here are some tips for choosing the ones that fit the criteria and your specific requirements.
Here we have categorized the top ten car insurance companies based on real-life needs. This is because we stand by the fact that no two drivers are the same. So, the rates change with the driver’s profile and history, and so do our choices, based on our requirements and budget.
| Company | Best Rated For | Average Monthly Rate |
|---|---|---|
| USAA | Military members | $166 |
| State Farm | Young drivers | $219 |
| American Family Insurance | Insurance discounts | $177 |
| Auto-Owners Insurance | Budget-friendly coverage | $152 |
| Travelers | All-round experience | $180 |
| Amica | Claims support | $315 |
| Progressive | Coverage options | $176 |
| Erie | Customer experience | $163 |
| Liberty Mutual | Bundling insurance policies | NA |
| Safeco | Perks and rewards | $230 |
Car Insurance for Military Members
Average Annual Full Coverage Rate: $1,996
USAA is a great choice for auto insurance due to the lower rates and the benefits it offers. However, what makes USAA a top-rated auto insurance company is that it is exclusive for active military members, veterans, and family members.
Pros
Cons
Features
Why is USAA a good option?
So, if you are a military member, then you shouldn’t look any further. USAA is the best car insurance provider in that category. It’s greenlit for customer satisfaction and financial strength as well. At $166 per month for full coverage, they offer affordable car insurance rates.
Best Car Insurance for Young Drivers
Average Annual Full Coverage Rate: $2,635
State Farm is a good car insurance option, has a good reputation, and is available in all states except Massachusetts and Rhode Island. The different commercial and personal insurance products are offered to customers with the help of local agents.
Pros
Cons
Features
Why is State Farm a good option?
If you are a young driver who follows safe driving practices, then you can make use of the Steer Clear discount, which is an app-based discount program designed for drivers under the age of 25. Similarly, if you prefer in-person guidance when selecting insurance policies and related things, then State Farm is a good car insurance company to opt for.
Best for Car Insurance Discounts
Average Annual Full Coverage Rate: $2,124
American Family has a good reputation for offering discounts for various aspects of car insurance. It offers great discounts along with good coverage options. Similarly, this is one of the top insurance companies for gap coverage and rideshare insurance.
Pros
Cons
Why is American Family a good option?
Apart from the customer satisfaction proven by the lower complaint index, American Family is one of the best auto insurance companies regarding discounts. They offer regular bundling discounts and even discounts for young drivers who volunteer at NGOs, which makes American Family an affordable option.
Best for Budget-Friendly Policies
Average Annual Full Coverage Rate: $1,818
Auto-Owners insurance is available in 26 states. It is a top-rated auto insurance company when it comes to financial strength, according to JD Power rating, and offers budget-friendly car insurance options.
Pros
Cons
Why is Auto-Owners a good option?
If you prefer an old-school method of managing your car insurance, then Auto-Owners is a viable option. They have local agents in 26 states who will manage car insurance for you offline. They also provide discounts on bundling policies.
Best for Options in Car Insurance Coverage
Average Annual Full Coverage Rate: $2,160
Travelers is a well-established auto insurance company known for providing comprehensive coverage options and strong financial stability.
Pros
Cons
Why is Travelers a good option?
Travelers is a good option for auto insurance because it offers various coverage options and discounts, making it customizable and cost-effective. The company has a strong financial stability rating, which means it can reliably pay out claims. It also provides useful tools like IntelliDrive to help safe drivers save more.
Car Insurance with Dividend Option
Average Annual Full Coverage Rate: $3,785
Amica is a top choice for car insurance when it comes to customer service and optional dividend policies. This means that they return a portion of the premiums to policyholders. They have received high satisfaction ratings from JD Power in terms of digital experience.
Pros
Cons
Why is Amica a good option?
Amica is a solid choice if you value outstanding customer support. It offers the potential to earn back part of your premiums. Its dividend policies and loyalty rewards give it an edge over many larger insurers. However, keep in mind that the rates may not be the lowest with Amica, but there are certainly perks that make up for it.
Best for Affordable Coverage Options
Average Annual Full Coverage Rate: $2,115
Progressive is one of the best car insurance companies with a superior financial rating by AM Best. The company offers usage-based discounts to those looking to customize their policies.
Pros
Cons
Why is Progressive a good option?
Progressive is a go-to choice if you are a driver looking for affordability and flexibility through usage-based driving discounts, or even pet injury coverage. The digital tools and the availability of SR-22 filing for high-risk drivers are also the stand-out features of Progressive as a car insurance company.
Best Customer Service in Car Insurance
Average Annual Full Coverage Rate: $1,956
Erie is known for its customer service, which is supported by the lowest NAIC complaint ratio. However, their service is available only in 12 states.
Pros
Cons
Why is Erie a good option?
Though its availability is limited to states like Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, Washington, D.C., West Virginia, and Wisconsin, it's one of the best in car insurance. Policies like rate lock and accident forgiveness make it highly rated among customers.
Best Car Insurance for Bundling Policies
Average Annual Full Coverage Rate: NA
Liberty Mutual offers highly customizable policies; therefore, if you are someone who prefers to host multiple policies with one provider, then Liberty Mutual can be a good choice, allowing drivers to tailor coverage to their specific needs. In addition, this is another provider that offers discounts to military members and coverage for teachers.
Pros
Cons
Why is Liberty Mutual a good option?
Though the car insurance rates offered by Liberty Mutual are not available, based on our research, what makes it a choice is the different insurance products it offers. However, make sure you are someone who can manage your policies and not rely on customer service, then Liberty Mutual is a good car insurance company to opt for.
Best Car Insurance for perks and rewards
Average Annual Full Coverage Rate: $2,769
As part of Liberty Mutual, Safeco is a good choice not because the auto insurance rates are affordable, but because the policies come with lots of perks and discounts. For example, it offers features like claims-free cashback, diminishing deductible offer, and RighTrack telematics programs, to name a few.
Pros
Cons
Why is Safeco a good option?
Safeco is ideal for those looking for add-on coverage and perks that reward safe driving habits. There is also a strong network of local agents, so if you prefer a guided car insurance experience, then Safeco is a good choice.
| State | Car Insurance Company |
|---|---|
| Alabama | State Farm |
| Alaska | State Farm |
| Arizona | State Farm |
| Arkansas | Farm Bureau |
| California | AAA |
| Colorado | State Farm |
| Connecticut | State Farm |
| Delaware | State Farm |
| Florida | State Farm |
| Georgia | Farm Bureau |
| Hawaii | State Farm |
| Idaho | Farm Bureau |
| Illinois | State Farm |
| Indiana | State Farm |
| Iowa | Farm Bureau |
| Kansas | Farm Bureau |
| Kentucky | Farm Bureau |
| Louisiana | Farm Bureau |
| Maine | State Farm |
| Maryland | Erie |
| Massachusetts | Arbella |
| Michigan | Auto-Owners |
| Minnesota | State Farm |
| Mississippi | Farm Bureau |
| Missouri | Shelter |
| Montana | State Farm |
| Nebraska | Farm Bureau |
| Nevada | State Farm |
| New Hampshire | State Farm |
| New Jersey | NJM |
| New Mexico | Farm Bureau |
| New York | Erie |
| North Carolina | Erie |
| North Dakota | State Farm |
| Ohio | Erie |
| Oklahoma | Farm Bureau |
| Oregon | State Farm |
| Pennsylvania | Erie |
| Rhode Island | Geico |
| South Carolina | Farm Bureau |
| South Dakota | Farm Bureau |
| Tennessee | Erie |
| Texas | Farm Bureau |
| Utah | State Farm |
| Vermont | State Farm |
| Virginia | Erie |
| Washington | State Farm |
| West Virginia | Erie |
| Wisconsin | Erie |
| Wyoming | State Farm |
Finding the right insurance company is not a one-size-fits-all procedure. As a car owner, you have coverage needs and priorities in relation to budget, customer service, and even handling of claims.
According to the Quadrant Information Services, the average car insurance rate for 2025 is $2,677 per year. However, there are certain factors you should consider while zeroing in on your car insurance company.
Shop around and find an affordable provider:Find the best car insurance company with competitive rates, based on your age, state, and driving history. For instance, if you had a violation in your name, then wait for at least 3 years for the rates to drop, and then shop for a new insurer.
Check your coverage options: The top insurance companies may not offer coverage that is suitable for your profile, car model, or requirements. So, when you find an insurance company, check whether they offer the required coverage within your budget. This will make sure you are not under- or overinsured.
Research and figure out: Shopping around for quotes alone won't help you end up with the best auto insurance company. You should make use of online discussion platforms and forums and gather reviews from platforms like Reddit, where users might have shared their experience with a company. Customer experience, the complaint ratio, and even the handling of the claims are crucial when selecting the car insurance companies.
We have considered the insurance companies and have offered our recommendations based on our methodology, which focuses on companies that offer genuine value. As a customer, you must pay attention to coverage limits, exclusions, and additional fees that may apply while checking benefits like quote comparison, policy management, or claims assistance. Always take recommendations from trusted sources and use online comparison tools like the Way app to make an informed choice through assessment of key factors.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The best car insurance companies in the United States are:
Get quotes from various companies and compare their rates. This is the best way to ensure you get the best possible car insurance deal. You can obtain online quotes by using platforms like the Way app or by calling a company directly.
The car insurance company with the cheapest rates varies depending on your circumstances. The best car insurance companies with the cheapest rates are USAA, American Family Insurance, Auto-Owners Insurance, and Erie.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free Quotes from 140+ carriers
