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Best car insurance companies of 2020

Compare the best car insurance companies and find the best policy for your ride.

Updated

Fact checked
Our editorial team has spent thousands of hours analyzing hundreds of car insurance companies, comparing each company’s customer satisfaction, coverage options, rates and ability to pay out claims. We’ve ranked the top 10 companies to help you choose the best car insurance that’s right for you in minutes.

Our car insurance rankings are based on the most important factors to consider when comparing car insurance — customer satisfaction, coverage, cost and financial strength. We consider the latest JD Power customer satisfaction scores and AM Best financial strength ratings as part of our scoring process.

For our best insurers list, we ranked every single insurer we review on our site, using a star rating of one to five stars. We removed companies that didn’t make the cut — ones that don’t sell insurance directly, only cover a very limited number of states or don’t have enough information available online for drivers to make an informed decision.

What are the 10 best car insurance companies?

Best cheap rates: Geico

Best cheap rates: Geico

Optional
Roadside assistance

New car protection

Accident forgiveness
Geico offers low rates and a long list of discounts for just about any driver, including high risk drivers who can't find cheap coverage elsewhere. In our independent review of car insurance rates, we found Geico offered some of the lowest rates for drivers in many states and for many drivers. You can get nearly any kind of coverage you need and bundle most kinds of insurance to save even more due to Geico's extensive bundle partner options. Geico's convenient website and streamlined app allow you to handle anything online, from getting a quote to filing a claim.
  • Tons of discounts
  • Innovative mobile app
  • Easy repair process
  • Low online customer service reviews
  • Claims typically handled online only
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone, Agent
New car protection Yes
Accident forgiveness Yes

Best customer experience: Amica

Optional
Roadside assistance

New car protection

Accident forgiveness
Amica might not be the most well known company, but its customer support more than makes up for it. Its customer satisfaction scores often top the charts on customer review sites and third party surveys, including JD Power's highest ratings several years in a row. Because Amica is a mutual company, not only do policyholders have more power, they also could receive dividend payments at the end of every year, depending on company profits.
  • Pays dividends
  • Discounts for safe driving, bundling and more
  • Roadside assistance
  • Available in 49 states
  • Limited coverage area
  • Can be expensive
States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Optional
Pay schedule 6 months, monthly
Claims methods online, email, phone
New car protection Yes
Accident forgiveness Yes

Best online support: Esurance

Included Free
Roadside assistance

New car protection

Accident forgiveness
An insurance company backed by Allstate, Esurance is committed to offering affordable insurance with a great digital experience. You'll typically find reasonable rates and a long list of discounts. Esurance also keeps it customer experience primarily online, with an intuitive website and mobile app to manage your account or file claims. Despite its focus on digital support, many customers report an excellent experience as well.
  • Online quotes in minutes
  • Competitive pricing
  • Mobile claims filing
  • Hidden fees
  • Direct online company
  • Autopay required
States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin
Roadside assistance Included free
Pay schedule 12 months, monthly
Claims methods Online, Phone, In-person
New car protection Yes
Accident forgiveness No

Best coverage and bundling: State Farm

Optional
Roadside assistance

New car protection

Accident forgiveness
State Farm is one of the most popular car insurers, known for its personalized service through its large network of agents. State Farm has a wide list of coverage from standard coverage to nonstandard coverage that you won't find everywhere, including rideshare, SR-22 and temporary coverage. State Farm also offers a number of discounts and add-ons to help you customize your policy. Another reason to consider State Farm? Its wide bundling options. You can insure almost any vehicle or personal property with State Farm to save on your auto policy.
  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states
  • Higher prices than competition
  • No live chat
  • Expect hard upselling
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, Monthly
Claims methods Online, Phone
New car protection Yes
Accident forgiveness Yes

Best usage-based insurance: Metromile

Optional
Roadside assistance

New car protection

Accident forgiveness
One of the original telematics insurers, Metromile's usage-based insurance offers some of the lowest rates for safe, low-mileage drivers. The Metromile app or a device in your car tracks your driving and charges you based on your driving. Safe drivers who would normally be considered high risk due to their age, car or location could save the most.
  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support
  • Limited service to only 7 states
  • Older vehicles excluded
  • Not all drivers eligible
States served Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington
Roadside assistance Optional
Pay schedule monthly
Claims methods Online, Phone
New car protection Yes
Accident forgiveness No

Best for free perks & luxury cars: Allstate

Included Free
Roadside assistance

New car protection

Accident forgiveness
With a broad range of coverage options, ways to save and features built for customer convenience, Allstate has earned its place among the top insurance providers. You'll find some of the best perks in the industry, especially for luxury cars. This insurer works best if you take advantage of its many discounts and redeemable rewards through the safe driver program.
  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent
  • No discounts for homeowners, military, online quote or multiple cars
  • Customer service is ranked average
States served All 50 states
Roadside assistance Included free
Pay schedule 12 months, Monthly
Claims methods Online, Phone
New car protection Yes
Accident forgiveness Yes

Best local coverage & agent support: Erie

Optional
Roadside assistance
Yes
New car protection

Accident forgiveness
Erie has a reputation for outstanding customer service and has received J.D Power's highest customer satisfaction ranking for the past five years and running. It's commitment to affordable auto insurance begins with its generous discounts and is reinforced by the ERIE Rate Lock Program, which helps customers stay in control of their rates. Between high customer satisfaction and an arsenal of great perks, Erie has quickly become one of the best regional car insurance providers.
  • Rate lock
  • Accident forgiveness
  • Vanishing deductible
  • Online bill pay
  • Doesn't accept online claims
  • Limited availability in only 12 states
  • Average customer loyalty
States served District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin
Roadside assistance Optional
Pay schedule monthly
Claims methods phone, in-person
New car protection Yes
Accident forgiveness Yes

Best small company with big discounts & fast claims: Electric Auto

Optional
Roadside assistance

New car protection

Accident forgiveness
Electric Insurance Company offers strong standard coverage and add-ons to cover most of your needs. It also honors its own name with a discount for electric vehicles, plus it guarantees top claims service with a money-back feature if you're unsatisfied.
  • Long list of discounts
  • Service in all 50 states
  • Online claims
  • Safe driver rewards
  • Quick claims service
  • Lack of customer reviews
  • Confusing website info
  • Small brand
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, monthly
Claims methods online
New car protection Yes
Accident forgiveness No

Best for SR-22 & high-risk drivers: Titan

Optional
Roadside assistance

New car protection

Accident forgiveness
Titan offers a range of standard and nonstandard coverage for high-risk drivers who can't get coverage elsewhere. And if you meet its criteria, you could save with Titan's long list of auto insurance discounts.
  • Inexpensive policy options
  • Discounts available
  • Nonstandard offerings and high-risk drivers
  • Accident forgiveness
  • Coverage for Mexican travel
  • Poor customer service
  • No online claims reporting
  • Available in 23 states
  • No mobile app
States served Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Mississippi, Nevada, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia
Roadside assistance Optional
Pay schedule monthly
Claims methods online
New car protection No
Accident forgiveness Yes

Best for SR-22 & high-risk drivers: USAA

Optional
Roadside assistance

New car protection

Accident forgiveness
Military members and their families can get some of the lowest rates and best customer service in the industry. And you don't have to be in the military, though you do have to be related to someone who has a connection. Customers praise its cheap rates and great claims support, and USAA consistently tops the charts for customer satisfaction.However, the list of drivers who will qualify is small, and while online account management is great, the online quoting process is lengthy. If you do qualify, it could be worth the extra time to get a quote and potentially save hundreds of dollars a year.
  • Save when you bundle your home and car insurance
  • Driver &
  • vehicle discounts
  • 24/7 claims service through USAA's free mobile app
  • Membership savings
  • Get dividends from company profits
  • Flexible premium payments
  • Limited to current and former members of the US military and their families only
  • Online only support
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone
New car protection No
Accident forgiveness Yes

How do I find the best car insurance company for me?

Your monthly premium doesn’t tell the whole story about your car insurance.

Car insurance companies may not differ much in the coverage they provide, but can be worlds away on the quality of their service. While both you and the company hope to never make a claim, if you are in an accident, you want to be sure they pay your claim.

  1. Decide which factors matter most to you. Does your provider charge extra for monthly payments or paperless bills? How easy is it to contact customer service? What’s the process like for making a car insurance claim? These are important questions to ask to make sure you choose the right provider.
  2. Research companies that meet your criteria. Narrow down your list by comparing how a company treats customers and claims when researching car insurance companies.
  3. Get quotes. Go online to get quotes from your top picks. The more info you fill out, the more accurate your quote will be. You can also call a broker to help you get multiple quotes.
  4. Ask for discounts. Use your competing quotes to get the best rate. Make sure you ask for any discounts you could qualify for to get the lowest rate.

How do the best car insurance companies compare?

Find out how the top car insurance companies compare on customer experience ratings and financial strength, which is a good indicator of the ability to pay out claims.

CompanyBest forAverage annual rateAM Best ratingJD Power rating
GeicoCheap rates$1,102A++4/5 stars
AmicaCustomer experience$1,204A+5/5 stars
EsuranceOnline support$1,478A+5/5 stars
State FarmCoverage and bundling$905A++4/5 stars
MetromileUsage-based insurance$1,180NRNR
AllstateFree perks$1,486A+3/5 stars
ErieAgent support$2,311A+4.5/5 stars
ElectricSmall company$905NRNR
TitanHigh-risk drivers$783A-NR
USAAMilitary$1,226A++5/5 stars

Compare more top car insurance companies

Name Product Finder Rating Roadside assistance New car protection Accident forgiveness Available states
Progressive
Optional
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Compare up to 4 providers

What’s the best kind of car insurance policy?

Liability insurance policies come with expensive add-ons depending on the provider, making them difficult to compare on price alone. However, if you decide on full coverage, there are additional options to consider. The best policy for you is something that has all the extras you need, and nothing you don’t.

  • Liability only for cheap cars. Liability, personal property and bodily injury coverage will pay for any damage you cause after an accident. You need to meet your state’s minimum liability requirements, but most drivers should consider higher limits to protect the entire value of their car.
  • Full coverage for newer cars and frequent drivers. This policy type includes collision and comprehensive coverage. Collision coverage protects you in a car accident, and comprehensive covers you for everything else. This type of policy is ideal for newer vehicles, drivers with long commutes and anyone else who can’t pay out of pocket after an accident.
  • Roadside assistance for older cars. Many insurers offer free towing and roadside coverage if you have collision and comprehensive coverage. Others offer it as an add-on for a few extra dollars a month.
  • Mileage-based for low-mileage drivers. If you don’t drive much, consider a policy that lets you save by only paying for the miles you drive.
  • Gap insurance for a financed car. If your car is stolen or totaled, your insurer will pay off any remaining lease or loan balance so you aren’t stuck making payments on a car that can’t be driven anymore. Without this coverage, there would be a gap between what the insurance company pays you and what you owe your bank or dealership, and that can be a financially-debilitating burden.

How do I find a company with the best customer service?

In car insurance, customer service means a lot more than just a smile as you fill out the paperwork. It means being able to depend on your insurer in the event of a claim, and knowing that the next time you speak to them, you might be having a very bad day.

To find car insurance companies with the very best customer service, look into each of the following areas.

  • Response times. Email turnaround, how long it takes for a rep to pick up when you call and the ways available to contact an insurer for questions and claims all play a part in how good your experience is. It can be a good idea to avoid insurers that aren’t available for claims service 24/7.
  • Claim reporting options. If you have a preference for online claims or want to be able to use an app, make an effort to look for insurers that offer these options. Being able to use what you’re comfortable with during a potentially highly stressful situation can ease the process.
  • Communication. How attentive an insurer is throughout the claims process can make an important difference when you’re making a claim. Chasing an agent down for updates when you’re already dealing with a mess can be frustrating and time consuming. Let them keep you in the loop instead.
  • Policy flexibility. Flexibility encompasses not only the options available to you, but also the ease with which you can take advantage of them and the responsiveness of your insurer. Having the option to save more doesn’t mean as much if you have to jump through tons of hoops to get it.
  • Partnered service quality. Free roadside assistance might not be much use if it’s not available in your area, while towing, vehicle storage, glass and windshield replacement and other repairs will all typically involve the use of partnered service providers. It can be a good idea to compare the quality of these, and look for relevant reviews.
  • Get multiple opinions. Talking to friends and family who have dealt with an insurer can help you figure out what it’s like to deal with that provider. If you don’t have close connections who know that company, try online chat forums or social pages like Facebook and Twitter to see examples of customer interactions with the company.

What questions should I ask to find the best policy?

If something isn’t clearly spelled out in a policy, or you’re unsure about any of the details, you should call the insurance company and ask about it.

  • What discounts can you offer me?
  • Can we agree on a reasonable rate if my driving record is less than perfect?
  • Can I eliminate some of my policy’s add-on features if they aren’t relevant or useful?
  • How is my coverage affected if I’m at fault in an accident?
  • What modifications can I make to my vehicle, and will they affect my premiums?
  • How long does it take for you to pay out in the event of a claim?
  • Will you cover taxi fares or rental car costs if my vehicle is not driveable?
  • If my car is damaged, do you offer repair, replacement or both?
  • Can I choose my own repair shop or do you provide a list of preferred garages?

Bottom line

Finding the best car insurance is unique for every driver. Compare each quote and company based on the value you’re getting for the cost. What you value may be different from other drivers, from good customer service to coverage levels that protect you and your family from any road disaster.

Start your search by comparing car insurance options to find the right policy for you.

Get the cheapest quotes

Compare car insurance companies near you.

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