Key Takeaways
Everyone wants what is best for them, and there are no arguments about that. That includes auto insurance companies. When you start looking for car insurance, you always look for the best car insurance companies available in the market.
Way.com's insurance analyst team has surveyed hundreds of insurance brokers to help you narrow down this year's best car insurance companies to help you find the car insurance you need.
State Farm is the best car insurance company if you want good customer service and benefits at a good price.
Company | Best for | Annual Average Rates |
---|---|---|
State Farm | Best overall | $1022 |
Erie | Liability only | $1383 |
Farm Bureau | Accident history | $1279 |
Auto-Owners | Family with teen | $1250 |
Allstate | New drivers | $1473 |
Nationwide | Safe drivers | $2078 |
Travelers | Best coverage | $1355 |
Amica | Best support | $2135 |
USAA | Military & veterans | $1958 |
For new drivers, Allstate has the best car insurance quotes with the smallest liability. Allstate's minimum-coverage policy for new drivers under 25 costs about $100 per month. That's $89 less per month than most places.
Company | Liability-only | Full coverage |
---|---|---|
Allstate | $100 | $252 |
Erie | $189 | $378 |
USAA | $222 | $402 |
American Family | $258 | $501 |
Nationwide | $258 | $522 |
Auto-Owners has the best prices for parents who wish to add a teen driver to their insurance policy. Auto-Owners has the best rates for parents who wish to add a teen to their coverage.
Company | Liability-only | Full coverage |
---|---|---|
Erie | $99 | $247 |
Farm Bureau | $111 | $299 |
Auto-Owners | $121 | $313 |
State Farm | $124 | $272 |
Allstate | $235 | $599 |
Progressive | $254 | $665 |
If you cause an accident, Farm Bureau will only raise your rates for full coverage by 32%. After a crash, most businesses will raise their rates by 49%. After you cause an accident, your rates go up by an average of 49%, an extra $72 per month. With Farm Bureau, the average monthly rate increase is only $43.
Company | Monthly rate |
---|---|
State Farm | $125 |
Farm Bureau | $177 |
Allstate | $305 |
Communication is a huge part of the customer experience as a whole. In this part of the survey, people were asked to rate how easy it was to talk to their car insurance company. This involved many different kinds of exchanges, like renewing a policy, paying a bill, or just asking a question.
Company |
---|
State Farm |
USAA |
Progressive |
Travelers |
Erie has the best car insurance prices for drivers with bad credit, at $232 per month for full coverage. On average, people with bad credit pay 72% more for car insurance than those with good credit. If you have bad credit, Erie will charge you 130% more for car insurance.
Company | Monthly rate |
---|---|
Erie | $232 |
Nationwide | $236 |
State Farm | $241 |
National Average | $254 |
Progressive | $259 |
Travelers | $268 |
Allstate | $303 |
How customer service treats you can make an effect that lasts. This part focused on customers' happiness with their insurance company's customer service. Overall, USAA got the best customer service score once again.
Company |
---|
USAA |
State Farm |
American Family |
Travelers |
Progressive |
USAA was the company that came out on top. Second place went to State Farm, and third place went to Erie.
Company |
---|
USAA |
State Farm |
Erie |
American Family |
Progressive |
Travelers |
Most states say that USAA and State Farm are the best big businesses. In several places, Farm Bureau and Erie are the best local businesses.
Company | 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 |
District of Columbia | Erie |
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 |
Some auto insurance companies only do business in a small part of the United States. But this doesn't make them less important. In fact, there are a number of smaller insurance companies that offer the best coverage choices and the best customer service.
We've compiled a list of some of the best car insurance companies by region, focusing on regional and mid-sized companies offering great coverage choices.
Northeast
You will find the below companies in the following states - CT, MA, ME, NH, NJ, NY, PA, RI, and VT -
Southeast
You will find the below companies in the following states - AL, AR, DE, FL, GA, KY, LA, MD, MS, NC, SC, TN, VA, and WV -
Midwest
You will find the below companies in the following states - IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, SD, and WI -
Southwest
Those states are AZ, CO, NM, OK, TX, and UT -
West
This group includes states like AL, CA, HI, ID, MT, NV, OR, WA, and WY -
The answer can vary widely depending on several factors, including your location, driving history, the type of car you drive, and the coverage options you choose. On average, car insurance in the United States costs around $1557 annually, but this figure is just a starting point.
Through rigorous scrutiny, Way.com has assessed factors that truly matter: coverage options, customer service, financial stability, and track record. These auto insurance companies have passed the litmus test with flying colors.
Whether you're a safety-conscious commuter or an adventurous road tripper, our list has something for you. It's not just about the price tag but the value you get in return.
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:
The car insurance company that gives the best rates in the United States varies depending on your circumstances. However, some of the companies with the lowest average rates include:
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 or by calling a company directly.
The car insurance company with the cheapest rates varies depending on your circumstances. However, some of the companies with the lowest average rates include:
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