Laura Longero
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
John McCormick
John McCormick
John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology.
Dr. James Brau
Dr. James Brau
Dr. Brau teaches finance principles, entrepreneurial finance, financial planning, and corporate finance at Brigham Young University’s School of Business. His research includes issues related to initial public offerings, financial education, real estate, and entrepreneurial finance.
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Quality Verified
At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
When it comes to finding the best car insurance company, we have the definitive guide to the top auto insurers in the U.S. Our editors and data analysts synthesized carrier rate data, AM Best financial stability scores and National Association of Insurance Commissioners (NAIC) complaint records.
We also surveyed policyholders to gauge each company’s customer experience, claims expertise and policy offerings. We asked customers if they trusted their insurer, whether they planned to renew and what they thought about their insurance company’s digital experience.
The best national car insurance companies are Travelers, Nationwide, Geico, State Farm and Progressive.
“Even if you have had the same provider for years or decades, it may pay to hop online and do research to see if you are still receiving the best protection for your policy premiums,” says Jim Brau, a professor of finance at Brigham Young University’s Marriott School of Business. “With easy access to the internet, searching car insurance companies online is probably the most efficient way to compare and choose a provider.”
Top car insurance companies
Based on that data and other essential insurance metrics, we rated the best car insurance companies of 2025 and gave each from one to five stars.
In 2025, Travelers was the top national car insurance carrier, followed by Nationwide, Geico, State Farm and Progressive. The top five companies remained the same from 2024, except for Geico and State Farm, which switched places.
In addition to evaluating the national carriers, we also ranked regional auto insurers. Erie was the top regional carrier, followed by Auto-Owners and American Family.
What are the best car insurance companies?
Our 2025 list of the best-rated car insurance companies features industry heavyweights like State Farm, Geico and Progressive.
Best car insurance companies
| 2025 Rank | 2024 Rank | Company | Overall Ranking | Customer Satisfaction | Read full review |
|---|---|---|---|---|---|
| 2025 Rank: 1 | 2024 Rank: 1 | Travelers | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 2 | 2024 Rank: 2 | Nationwide | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 3 | 2024 Rank: 4 | Geico | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 4 | 2024 Rank: 3 | State Farm | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 5 | 2024 Rank: 5 | Progressive | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 6 | 2024 Rank: 6 | Amica | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 7 | 2024 Rank: 8 | Farmers | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 8 | 2024 Rank: 7 | Allstate | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: NR | 2024 Rank: NR | USAA* | Overall rating | Customer satisfaction rating: |
An insurer needs to do business in at least 40 states to rank as a national company.
Best car insurance companies with regional and national carriers
We also developed a second list comparing regional companies such as Auto-Owners and Erie with the national carriers.| 2025 Rank | 2024 Rank | Company | Overall Ranking | Customer Satisfaction | Read full review |
|---|---|---|---|---|---|
| 2025 Rank: 1 | 2024 Rank: 3 | Travelers | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 2 | 2024 Rank: 1 | Erie | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 3 | 2024 Rank: 2 | Auto-Owners | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 4 | 2024 Rank: 4 | Nationwide | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 5 | 2024 Rank: 7 | Geico | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 6 | 2024 Rank: 6 | State Farm | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 7 | 2024 Rank: 9 | American Family | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 8 | 2024 Rank: 8 | Progressive | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 9 | 2024 Rank: 10 | Amica | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 10 | 2024 Rank: 12 | Farmers | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: 11 | 2024 Rank: 11 | Allstate | Overall rating | Customer satisfaction rating: | |
| 2025 Rank: NR | 2024 Rank: NR | USAA* | Overall rating | Customer satisfaction rating: |
How we picked Insure.com’s top-rated auto insurance companies
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1,750
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In the fall of 2024, we surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey.
Respondents were asked to name their auto insurer and then grade it in the following categories: customer satisfaction, ease of service, policy offerings, claims satisfaction, digital experience (website/app), discounts offered, fair rate increases over time, insurance for young drivers/teenagers, insurance for college students, insurance for senior drivers, insurance for drivers with tickets or accidents and auto and home bundling. The results reflect the percentage of respondents who said they were either satisfied or very satisfied with their insurer.
Our editors also analyzed the companies’ annual premiums, AM Best grades, NAIC scores, and other factors to select the nation’s best auto insurance companies.
USAA is excluded from the overall ranking because it only provides services to military community members. The Hartford, Liberty Mutual and Safeco were also omitted because they don’t provide pricing information – one of our key rating metrics – to our data partner, Quadrant Information Services.
The best auto insurance companies by category
So, how do you find the best insurance company that’s right for you?
“You should feel comfortable with your insurance purchase, whether you buy it from a local agent or directly from the company,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute (Triple-I). “Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.”
Below are the best companies for specific situations and needs. This list includes all the companies in our insurance-consumer survey – like USAA – that may have been excluded from the final rankings.
- Best for cheapest rates: Nationwide
- Best for customer satisfaction: Amica
- Best for ease of service: Amica
- Best for policy offerings: Amica
- Best for claims handling: Farmers
- Best website/online experience: Nationwide
- Best discounts: Nationwide
- Best for fair rate increases over time: Amica
- Best for young drivers and teens: The Hartford
- Best for college students: Amica
- Best for senior drivers: Amica
- Best for drivers with tickets: Amica
- Best for high-risk drivers: Allstate
- Best for auto and home bundling: Nationwide
- Most likely to be recommended to others: Nationwide
- Most trustworthy: Amica
- Most likely to renew with the carrier: Travelers
The top national car insurance companies in the U.S.
The top nationwide auto insurance companies in the U.S. are Travelers, Nationwide, Geico, State Farm, Progressive, Amica, Farmers and Allstate. Read more about each insurer by clicking the “Learn More” button.
Travelers
- Overall rating 4.64
- Average Premium 4.51
- NAIC 0.52
- Customer satisfaction 4.31
- AM Best A++
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Travelers finished No. 1 in our 2025 Best Car Insurance Companies ranking with a rating of 4.64 stars out of 5. It was first among customers who are most likely to renew with the carrier and second among competitors for the cheapest car insurance rates. The company has an A++ (Superior) rating from AM Best for financial strength. Travelers continued its run as the top company in our survey in 2025; it also ranked No. 1 in 2024.
Nationwide
- Overall rating 4.54
- Average Premium 4.73
- NAIC 0.63
- Customer satisfaction 4.48
- AM Best A
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Nationwide auto insurance earned 4.54 stars out of 5 in our 2025 national ranking of the Best Car Insurance Companies. Nationwide was the top scorer for the cheapest rates, best website/online experience, best discounts, best for auto and home bundling and most likely to be recommended to others. Nationwide continued its run in 2025 as a top scorer in our survey – it ranked No. 2 in 2024.
Geico
- Overall rating 4.50
- Average Premium 3.90
- NAIC 0.69
- Customer satisfaction 4.42
- AM Best A++
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Geico earned 4.50 stars out of 5 in our 2025 Best Auto Insurance Companies ranking. It took the third spot from State Farm this year (Geico was No. 4 and State Farm No. 3 in 2024). Geico’s customers said it’s notable for cheap rates and customer satisfaction. The carrier has an AM Best score of A++ (Superior), indicating strong finances.
State Farm
- Overall rating 4.35
- Average Premium 3.04
- NAIC 0.79
- Customer satisfaction 4.46
- AM Best A++
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
State Farm earned 4.35 stars out of 5 in our 2025 ranking of the Best Car Insurance Companies. The company dropped one position from 2024, falling below national competitor Geico. State Farm continues to be highly regarded financially, with an A++ (Superior) from AM Best. State Farm customers gave it high marks for trustworthiness, customer satisfaction, ease of service and claims handling.
Progressive
- Overall rating 4.22
- Average Premium 2.99
- NAIC 0.71
- Customer satisfaction 4.29
- AM Best A+
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Progressive earned 4.22 stars out of 5 in our 2025 Best Car Insurance Companies list in the No. 5 spot, the same position as 2024. Progressive gets high marks for its website/online experience and discounts in our survey.
Amica
- Overall rating 4.16
- Average Premium 2.14
- NAIC 0.75
- Customer satisfaction 4.73
- AM Best A+
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Amica earned 4.16 stars out of 5 and ranked No. 6 – the same as last year – in our 2025 survey of the best auto insurance companies. Amica was rated the best among its competitors in several categories: customer satisfaction, ease of service, policy offerings, best for fair rate increases over time and most trustworthy.
Farmers
- Overall rating 3.81
- Average Premium 1.48
- NAIC 0.86
- Customer satisfaction 4.35
- AM Best A
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
In 2025, Farmers overtook Allstate for the No. 7 spot in our Best Auto Insurance Companies list with 3.81 stars out of 5. Farmers had pricier premiums than other companies but had the highest rating for claims handling. Farmers has an A rating (Excellent) from AM Best, which measures a company’s financial strength.
Allstate
- Overall rating 3.75
- Average Premium 1.00
- NAIC 1.10
- Customer satisfaction 4.32
- AM Best A+
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Allstate earned 3.75 stars out of 5 in our 2025 Best Auto Insurance Companies ranking. It slipped below Farmers this year, dropping from No. 7 to No. 8. Allstate was recognized as having the third-best score for fair rate increases over time and the best for senior drivers.
The best-rated car insurance companies for the price, customer service and more
So, how do you find the best insurance company for you? We surveyed customers of over a dozen top insurers and ranked them based on our findings, third-party data and rate information.
In some instances, we did not have an insurer’s rate information and could not rank it. However, we included certain non-ranked companies here if they performed notably well in the survey.
Car insurance companies with the cheapest rates
Price is a top concern for auto insurance consumers. The top-rated car insurance companies in this category offer the lowest rates for full coverage for a 40-year-old male with a good driving record.
According to the data, USAA, Erie, Nationwide and Auto-Owners have the cheapest monthly rates for auto insurance. However, USAA isn’t available to all consumers – only military members, veterans and their families – so keep that in mind. Auto-Owners and Erie are regional insurers. The ranked, national company with the cheapest rates is Nationwide.
| Company | Monthly Premium |
|---|---|
| USAA* | $115 |
| Erie | $123 |
| Nationwide | $129 |
| Auto-Owners | $129 |
| Travelers | $134 |
| American Family | $142 |
| Geico | $147 |
| State Farm | $165 |
| Progressive | $166 |
| Amica | $185 |
| Farmers | $199 |
| Allstate | $209 |
Best car insurance companies for customer satisfaction
Customer satisfaction was one of the most critical factors in our auto insurance customer survey. Amica and State Farm came out on top with 97% and 92%, respectively, of customers satisfied with their insurance company. Geico, Farmers and Progressive round out the top five.
| Company | Customer satisfaction |
|---|---|
| Amica | 97% |
| State Farm | 92% |
| Geico | 90% |
Top-rated car insurance companies for ease of service
Ease of service measures how easy it is for consumers to access policy documents and services, and Amica won this category with 97% of its customers giving it high marks. Erie and State Farm rounded out the top three, but Geico, Auto-Owners, Allstate and Progressive all got scores of 90% or higher.
| Company | Ease of service |
|---|---|
| Amica | 97% |
| Erie | 96% |
| State Farm | 93% |
Best car insurance companies for policy offerings
Some companies offer more policy options – telematics, accident forgiveness, home/auto bundling, etc. – and Amica took the top spot with 93% of customers satisfied with the company’s offerings, followed by Nationwide and Erie both at 89%. Nationwide narrowly captured the No. 2 spot because its score was 89.3%, while Erie’s was 88.5%.
| Company | Policy offerings |
|---|---|
| Amica | 93% |
| Nationwide | 89% |
| Erie | 89% |
Most highly recommended car insurance company
Most of the companies in our survey earned scores in the 80th or 90th percentile for consumer recommendations, but 96% of Nationwide customers said they would recommend it. More than 93% of Amica customers and 92% of Erie’s recommend their companies.
| Company | Customer recommendations |
|---|---|
| Nationwide | 96% |
| Amica | 93% |
| Erie | 92% |
Most trustworthy car insurance company
Amica topped the list for trustworthiness in the 2025 survey, followed by State Farm, Erie, Progressive and Allstate. Across the board, trustworthiness scores were in the 80th and 90th percentiles.
| Company | Trustworthiness |
|---|---|
| Amica | 97% |
| State Farm | 93% |
| Erie | 92% |
Best auto insurance provider for insurance policy renewals
Travelers took the top spot for policy renewals, with 97% of survey respondents saying they plan to renew their policies, followed by Amica, Auto-Owners, Liberty Mutual and Geico. Most companies had scores in the 90th percentile for renewals, and Travelers edged out Amica due to a 0.3% difference.
| Company | Plan to renew |
|---|---|
| Travelers | 97% |
| Amica | 97% |
| Auto-Owners | 95% |
How much does car insurance cost in each state?
Maine, New Hampshire and Vermont have the cheapest full coverage car insurance rates in the nation. On the opposite end of the spectrum, Louisiana, Florida and California residents pay the most for car insurance.
See full coverage rates for every state in the table below.
| State | Average annual premium | Average monthly premium |
|---|---|---|
| Alabama | $1,860 | $155 |
| Alaska | $1,676 | $140 |
| Arizona | $1,812 | $151 |
| Arkansas | $1,957 | $163 |
| California | $2,416 | $201 |
| Colorado | $2,337 | $195 |
| Connecticut | $1,725 | $144 |
| Delaware | $2,063 | $172 |
| Florida | $2,694 | $224 |
| Georgia | $1,970 | $164 |
| Hawaii | $1,517 | $126 |
| Idaho | $1,428 | $119 |
| Illinois | $1,532 | $128 |
| Indiana | $1,515 | $126 |
| Iowa | $1,630 | $136 |
| Kansas | $1,900 | $158 |
| Kentucky | $2,228 | $186 |
| Louisiana | $2,883 | $240 |
| Maine | $1,175 | $98 |
| Maryland | $1,746 | $145 |
| Massachusetts | $1,726 | $144 |
| Michigan | $2,352 | $196 |
| Minnesota | $1,911 | $159 |
| Mississippi | $2,008 | $167 |
| Missouri | $1,982 | $165 |
| Montana | $2,193 | $183 |
| Nebraska | $1,902 | $159 |
| Nevada | $2,060 | $172 |
| New Hampshire | $1,265 | $105 |
| New Jersey | $1,902 | $159 |
| New Mexico | $2,049 | $171 |
| New York | $1,870 | $156 |
| North Carolina | $1,741 | $145 |
| North Dakota | $1,665 | $139 |
| Ohio | $1,417 | $118 |
| Oklahoma | $2,138 | $178 |
| Oregon | $1,678 | $140 |
| Pennsylvania | $1,872 | $156 |
| Rhode Island | $2,061 | $172 |
| South Carolina | $2,009 | $167 |
| South Dakota | $2,280 | $190 |
| Tennessee | $1,677 | $140 |
| Texas | $2,043 | $170 |
| Utah | $1,825 | $152 |
| Vermont | $1,319 | $110 |
| Virginia | $1,469 | $122 |
| Washington | $1,608 | $134 |
| Washington, D.C. | $2,157 | $180 |
| West Virginia | $2,005 | $167 |
| Wisconsin | $1,664 | $139 |
| Wyoming | $1,758 | $146 |
How to find an insurance company that’s right for you
When shopping for car insurance, consider your top priorities and coverage needs and get at least three quotes from the top-rated car insurance companies.
“Prices vary greatly from one insurer to another, so it really pays to shop around. Get at least three price quotes from a mix of national and regional carriers,” Friedlander says. “You can obtain quotes through independent and exclusive agents, company websites and online comparison sites.”
Here are some things to keep in mind when shopping for car insurance:
- Determine your needs: This will help you narrow down the carriers you should consider and the different coverages you may need to carry.
- Find local insurers: When shopping around, consider both national insurers (ones that operate in all states) and regional insurance companies that write policies in your state. Look for insurers that offer the coverages and services you would use.
- Gather quotes: Be sure to compare apples to apples regarding coverage levels and deductibles. Get at least three different quotes.
- Figure out your non-negotiables: If you prefer to work with an agent, you’ll need to keep that in mind. The same goes if you prefer to make changes using an app; some companies are better than others for digital experience and customer service.
Friedlander says that not every company is licensed to operate in each state: “As a general rule, you should buy from an insurer licensed in your state, because then you can rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact your state’s insurance department.”
Our recommendation
When it comes to the best car insurance companies, the best company for you is the one that offers the level of service you need at a price you can afford.
What our expert says
Q. What’s the best way to shop for car insurance?
Dr. James Brau
Mark Friedlander
Methodology
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Discounts offered
- Fair rate increases over time
- Insurance for young drivers/teenagers
- Insurance for college students
- Insurance for senior drivers
- Insurance for drivers with tickets or accidents
- Auto and home bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current auto insurance company
- I would recommend my auto insurance company to others
- I trust my auto insurance company
The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services. With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
