Best Car Insurance Companies of 2024 The top-rated auto insurers are Erie, Auto-Owners, Travelers, Nationwide and Auto Club Group (ACG) – AAA. Other companies on the 2024 Insure.com Best Car Insurance Companies list include State Farm, Geico, Progressive, American Family and Amica. View Carriers Please enter valid zip Compare top carriers in your area Home Car insurance Best insurance companies Best Car Insurance Companies of 2024 Written by Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. Reviewed by John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. Expert insight from 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.Go to comment Updated on: October 25, 2024 Why you can trust Insure.com 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, Insure has the definitive guide to the top auto insurers in the U.S. Insure editors and data analysts synthesized top auto insurers’ rate data, AM Best financial stability scores and National Association of Insurance Commissioners complaint records. We also surveyed their customers to gauge each company’s level of customer experience, claims expertise and policy offerings. We also 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, State Farm, Geico 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 the easy access of the internet, searching car insurance companies online is probably the most efficient way to compare and choose a provider. Nowadays, consumers are able to provide feedback on national and local insurance companies — think of the five-star rating system. As such, consumers can be aware before they buy,” he says. Top car insurance companies Based on that data and other essential insurance metrics, we rated the best car insurance companies of 2024 and gave each from one to five stars. In 2024, the top national car insurance carrier is Travelers, followed by Nationwide, State Farm, Geico and Progressive rounding out the top five. In addition to analyzing the national carriers, Insure.com also ranked the regional auto insurers. Erie was the top regional carrier, followed by Auto-Owners and AAA’s Auto Club Group. What are the best car insurance companies? Insure.com’s 2024 list of the best-rated car insurance companies list features industry heavyweights like State Farm, Geico and Progressive. The editors also developed a second list of regional companies such as Auto-Owners and Erie. Best national car insurance companies Rank Company Overall Ranking Customer Satisfaction Learn More 1 1. Travelers Overall rating 4.62 Customer satisfaction rating: 4.00 Travelers insurance review 2 2. Nationwide Overall rating 4.33 Customer satisfaction rating: 4.06 Nationwide insurance review 3 3. State Farm Overall rating 4.27 Customer satisfaction rating: 4.24 State Farm insurance review 4 4. Geico Overall rating 4.20 Customer satisfaction rating: 4.07 Geico insurance review 5 5. Progressive Overall rating 4.14 Customer satisfaction rating: 3.91 Progressive insurance review 6 6. Amica Overall rating 3.93 Customer satisfaction rating: 3.76 Amica insurance review 7 7. Allstate Overall rating 3.78 Customer satisfaction rating: 4.04 Allstate insurance review 8 8. Farmers Overall rating 3.69 Customer satisfaction rating: 4.12 Farmers insurance review Note: An insurer needs to do business in at least 40 states to rank as a national company. Best regional car insurance companies Rank Company Overall Ranking Customer Satisfaction Learn More 1 1. Erie Overall rating 4.67 Customer satisfaction rating: 4.43 Erie insurance review 2 2. Auto-Owners Overall rating 4.65 Customer satisfaction rating: 3.97 Auto-Owners insurance review 3 3. Auto Club Group (AAA) Overall rating 4.29 Customer satisfaction rating: 3.75 Auto Club Group (AAA) insurance review 4 4. American Family Overall rating 4.01 Customer satisfaction rating: 4.32 American Family insurance review 5 5. Mercury Overall rating 3.64 Customer satisfaction rating: 3.95 Mercury insurance review 6 6. CSAA Insurance Group (AAA) Overall rating 3.50 Customer satisfaction rating: 4.05 CSAA Insurance Group (AAA) insurance review 7 7. Auto Club of Southern California (AAA) Overall rating 3.30 Customer satisfaction rating: 4.15 Auto Club of Southern California (AAA) insurance review How we picked Insure.com’s top-rated auto insurance companies 70+ Carriers reviewed 1,750 Insurance consumers surveyed 60+ Insurance metrics examined 34,600 ZIP codes examined In the fall of 2023, Insure.com surveyed 1,750 people about insurance for its 2024 survey. Online market research company Slice MR conducted the survey, in which respondents ranked their auto, home, life and health insurers. Insure.com’s editors then gathered and analyzed the companies’ annual premiums, AM Best grades, NAIC scores and more 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. General, 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. “Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.” Based on Insure.com’s analysis, we selected the best companies for specific situations and needs. This list includes all the companies included in our insurance-consumer survey – like USAA – that may have been excluded from the final rankings. Best for cheapest rates: Erie Best for customer satisfaction: Erie Best for ease of service: Erie Best for policy offerings: Erie Best for claims handling: Allstate Best digital experience: Geico Best discounts: Auto Club of Southern California Best military discounts: USAA Best for young drivers and teens: Auto Club Group (ACG) – AAA Best for college students:Auto Club of Southern California – AAA Best for senior drivers: Auto Club of Southern California – AAA Best for drivers with tickets: Auto Club Group (ACG) – AAA Best for high-risk drivers: Allstate Best for auto and home bundling: Travelers Most likely to be recommended to others: Erie Most trustworthy: Erie Most likely to renew with carrier: Erie The top national car insurance companies in the U.S. The top nationwide auto insurance companies in the U.S. are Travelers, Nationwide, State Farm, Geico, Progressive, Amica, Allstate and Farmers. Read more about each insurer by clicking the “Learn More” button. Travelers Travelers Overall rating 4.6 Average Premium 4.6 NAIC 0.49 Customer satisfaction 4.0 AM Best A++ Average Premium Customer Satisfaction NAIC AM Best Rating A++ Learn More + Add To Compare Travelers ranked No. 1 in Insure.com’s Best Car Insurance Companies ranking for 2024 with a star rating of 4.62 stars out of 5. Travelers was rated highly for auto/home policy bundling and 90% of customers said they’d renew their policies. Nationwide Nationwide Overall rating 4.3 Average Premium 4.8 NAIC 0.64 Customer satisfaction 4.1 AM Best A Average Premium Customer Satisfaction NAIC AM Best Rating A Learn More + Add To Compare Nationwide auto insurance earned 4.33 stars out of 5 in Insure.com’s national ranking of the Best Car Insurance Companies for 2024. Nationwide is ranked highly for affordable premiums. Respondents to Insure.com’s survey also said Nationwide is a great company for drivers with tickets. And its many different policy options make it a good choice for one-stop insurance shopping. State Farm State Farm Overall rating 4.3 Average Premium 3.2 NAIC 0.70 Customer satisfaction 4.2 AM Best A++ Average Premium Customer Satisfaction NAIC AM Best Rating A++ Learn More + Add To Compare State Farm earned 4.27 stars out of 5 in Insure.com’s ranking of the Best Car Insurance Companies for 2024. State Farm customers report being highly satisfied with the company’s claims handling and ease of service. It was one of the most recommended companies, and 92% of its customers said they would sign up again with the company. Geico Geico Overall rating 4.2 Average Premium 4.0 NAIC 0.91 Customer satisfaction 4.1 AM Best A++ Average Premium Customer Satisfaction NAIC AM Best Rating A++ Learn More + Add To Compare Geico earned 4.20 stars out of 5 in Insure.com’s ranking with a star ranking of. Geico customers ranked it as having good claims handling and digital experience. It has a 91% renewal rate and an AM Best score of A++. Progressive Progressive Overall rating 4.1 Average Premium 3.2 NAIC 0.65 Customer satisfaction 3.9 AM Best A+ Average Premium Customer Satisfaction NAIC AM Best Rating A+ Learn More + Add To Compare Progressive earned 4.14 stars out of 5 on Insure.com’s list of the Best Car Insurance Companies for 2024. Progressive gets high marks for its experience and discounts, and, in Insure.com’s survey, was rated one of the top companies for drivers with tickets. Amica Amica Overall rating 3.9 Average Premium 2.4 NAIC 0.61 Customer satisfaction 3.8 AM Best A+ Average Premium Customer Satisfaction NAIC AM Best Rating A+ Learn More + Add To Compare Amica earned 3.93 stars out of 5. The company was rated highly for its policy offerings and 92% of its customers said they would recommend the company to friends and family. Amica also has a low level of customer complaints, according to NAIC data. Allstate Allstate Overall rating 3.8 Average Premium 1.3 NAIC 0.65 Customer satisfaction 4.0 AM Best A+ Average Premium Customer Satisfaction NAIC AM Best Rating A+ Learn More + Add To Compare Allstate earned 3.78 stars out of 5. The company had the highest rating for claims handling in our survey. Customers also liked its digital experience and bundling. Farmers Farmers Overall rating 3.7 Average Premium 1.8 NAIC 0.80 Customer satisfaction 4.1 AM Best A Average Premium Customer Satisfaction NAIC AM Best Rating A Learn More + Add To Compare Farmers 3.69 stars out of 5 in the 2024 Insure.com Best Auto Insurance Companies ranking. Farmers has higher premiums than other companies but is highly rated for customer satisfaction and trustworthiness. The best-rated car insurance companies for the price, customer service, and more So, how do you find the best insurance company for you? Insure.com editors surveyed consumers of more than 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. We are, however, showing certain non-ranked companies here if they performed notably well in the survey. Car insurance companies with the cheapest rates Price is undoubtedly 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. USAA, Erie, Auto-Owners and Nationwide have the cheapest monthly rates for auto insurance, according to our latest data. USAA isn’t available to all consumers – only to military members, veterans and their families – so keep that in mind. Company Monthly rate for full coverage USAA $115 Erie $123 Auto-Owners $129 Nationwide $129 Travelers $132 Auto Club Group (ACG) – AAA $135 American Family $142 Geico $147 State Farm $165 Progressive $166 Amica $185 Auto Club of Southern California – AAA $192 Mercury $193 Farmers $199 Allstate $209 CSAA Insurance Group – AAA $217 Best car insurance companies for customer satisfaction Customer satisfaction was one of the most critical factors in our auto insurance customer survey. Erie and The Hartford came out on top with 90% of customers satisfied with their insurance company. American Family was in second place at 89% satisfaction, followed by State Farm and Farmers, with an 84% customer satisfaction score. Company Percent of customers that are satisfied Erie, The Hartford 90% American Family 89% Farmers, State Farm 84% 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 USAA won this category with 91% of its customers giving it high marks. USAA was followed by Erie and The Hartford, tying for second place with 90%. Company Ease of service USAA 91% Erie, Hartford 90% Safeco, State Farm, Travelers 86% Best car insurance companies for policy offerings Some companies offer more policy options – telematics, accident forgiveness, home/auto bundling, etc. – and The Hartford took the top spot with 93% of customers satisfied with the company’s offerings, followed by Erie at 88% and American Family at 87%. Company Percent of customers satisfied with the company’s policy offerings The Hartford 93% Erie 88% American Family 87% 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 100% of Erie customers said they would recommend Erie. More than 93% of The Hartford and 92% of USAA and State Farm customers recommend their companies. Company Customer recommendations Erie 100% The Hartford 93% State Farm, USAA 92% Most trustworthy car insurance company Erie again tops the list for trustworthiness among its competitors, scoring three percentage points higher than its closest competitors – The Hartford and USAA. Across the board, the scores for trustworthiness were lower than those for customer satisfaction or renewal rates. In most cases, insurers saw percentages in this category in the 70-80% range. Company Trustworthiness Erie 86% The Hartford, USAA 83% State Farm 82% Best auto insurance provider for insurance policy renewals For policy renewals, Erie took the top spot with 100% of survey respondents saying they plan to renew their policies, followed by 95% of customers from The Hartford, the Auto Club of Southern California and Mercury. Company Plan to renew Erie 100% The Hartford 95% Auto Club of Southern California – AAA 95% Mercury 95% How much does car insurance cost in each state? The states of 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 $2,266 $189 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 it comes to 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: Determining your specific needs will help you narrow down the carriers you should consider and the different coverages you may need to carry. Find local insurers: Consider national insurers (ones that operate in all states) and more 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 Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University “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.” Mark Friedlander Mark FriedlanderDirector of corporate communications for the Insurance Information Institute. "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. You can obtain quotes through independent and exclusive agents, company websites and online comparison sites.” Methodology Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 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 and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results. Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results. Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed 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 measures 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 company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores. The editors 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) Annual premium: 20% of total score AM Best: 25% of total score NAIC: 15% of total score Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive. On company review pages, the editors compared the profiled insurers in various categories against the leaders in that category or against other top insurers that match up well against the profiled company in terms of size and/or coverage area. 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