Finder’s editorial team spends thousands of hours analyzing hundreds of car insurance companies, comparing their customer satisfaction scores, car insurance coverage, discounts, rates and ability to pay claims.
To find the best insurers, we rank every car insurer we review on our site, using a star rating of 0 to 5 stars. We exclude companies that don’t make the cut — those that don’t sell insurance directly, cover a small number of states or don’t offer enough info for you to make an informed decision.
Progressive offers coverage that most drivers need, plus extras like custom parts, rideshare or high-risk driver coverage. Its free perks like a lowering deductible reward safe driving, and its free tool helps you buy coverage within a budget.
Wide options with 12+ coverage choices and 17 discounts
Popular brand with 80 years of experience in the industry
Free accident forgiveness for small claims or staying claim free
Bundle any two policies for a multipolicy discount
With many coverage options, ways to save and convenient features, Allstate has earned its top spot among insurance companies. Enjoy redeemable rewards through its safe driver program, plus perks for luxury cars.
Experienced service with nearly 90 years in the industry
Earn gift cards and more for safe driving with Allstate Rewards
Bundle with home to save 25% on home and 10% on car insurance
USAA consistently tops the charts for customer satisfaction with customers praising its cheap rates and claims support, saving many hundreds of dollars a year. To become a USAA member, you must be connected to family with current or past military service.
Some of the cheapest rates available
Conveniently track claims in app
Members get dividends from company profits
Flexible payment schedule
Only military members and their families qualify for coverage
Metromile's usage-based insurance offers some of the lowest rates available for safe, low-mileage drivers. It tracks your driving through Metromile's app or device installed in your car and sets rates accordingly. Safe drivers considered high risk due to their age, location or other demographics could save the most.
Geico offers some of the lowest rates around including for high-risk drivers, based on our independent review of car insurance rates. You can bundle many policies through Geico's convenient bundle partners. And its streamlined website and app let you handle everything from quotes to claims online.
Discounts up to 40%
App lets you get roadside service, view ID cards and more
Guaranteed repairs through Geico's mechanic network
Amica's customer satisfaction scores consistently top the charts on many review sites like J.D. Power. The insurer also stands out with many free perks, and it offers one of the steepest discounts for bundling policies.
High customer service ratings
Up to 30% discount for bundling car, home or renters policies
Earn dividends if Amica makes a profit
No deductible for glass repairs or replacing locks
Travelers keeps high customer service standards, reflected in its solid business ratings and few customer complaints. Get a quick quote online, potentially qualify for multiple discounts and let an independent agent finalize your policy.
Save over 20% for safe driving
Personal support from nearly 14,000 local agents
Few customer complaints, much lower than competitors
Titan offers a range of coverage for high-risk drivers who can't get coverage elsewhere, including gap, roadside service and non-owner coverage. It also offers cheap state-minimum policies for as low as $1 a day, according to Titan's website.
Wide coverage and add-ons not typical of SR-22 insurers
15 discounts to save 15% or more
Backed by Nationwide, a well-known, experienced brand
Poor customer service
No online claims
Available in 23 states
No mobile app
Finder Rating: 4 / 5★★★★★
If you're insuring a high-value, classic or rare car like a Maserati or Aston Martin, Pure accepts these luxury cars that don't qualify with traditional insurers. You can customize policies with agreed value coverage and more. Also, get convenient, free perks like unlimited roadside service or getting a hotel after an accident.
Agreed-value coverage to replace your car at its assessed value
Repairs with original parts
Free worldwide rental car insurance
No deductible if you're hit by an uninsured driver
Expensive rates compared to traditional insurers
Offered through brokers, not online
Prefers low-risk drivers with high-value cars
Finder Rating: 3.5 / 5★★★★★
This popular company is known for personalized service through its large network of agents. State Farm's wide coverage includes standard options plus rideshare, SR-22 or temporary car insurance. Plus, bundle almost any vehicle and home policies for savings.
Top customer choice as the largest US auto insurer
Save by bundling car, home, renters or even life insurance
Nearly 20,000 local agents for personal support
Higher prices than competitors
Customer experience varies by agent
Expect hard upselling
Drive Safe and Save
Drive Safe and Save
How do I find the best car insurance company for me?
While coverage doesn’t differ much among auto insurers, their quality of service can be worlds apart, affecting you during claims. Follow these steps to find the right company for you.
Decide which factors matter most to you. Consider a company’s monthly payment fees, service availability and customers’ satisfaction with claims.
Research companies. Narrow your list by comparing coverage, costs and how a company treats customers and claims.
Get multiple quotes. Go online or work with an independent insurance agent to get multiple quotes from your top picks and compare your options.
Ask for discounts. You can ask your ideal insurer to try and match another quote and ask for discounts to get the lowest rate.
Review your insurance. Make sure you still have the best deal after buying a home, moving or not shopping around in a while.
Liability only for cheap cars. Personal property and bodily injury liability coverage pay for damage you cause after an accident.
Full coverage for new cars and frequent drivers.Full coverage includes collision to cover repairs after at-fault accidents and comprehensive for nearly anything else.
Roadside assistance for most cars. Most manufacturers offer free towing coverage with your new car warranty. For an older car, you may need collision and comprehensive to add towing to your policy.
Mileage-based for low mileage. You might pay less with a pay-per-mile policy that charges you based on how much you drive.
Gap insurance for car loans. If your car is stolen or totaled, gap insurance pays the difference between what the car is worth and the remaining balance your car loan.
Compare car insurance companies by balancing the cost with the value and coverage options. What’s important to you may be different from other drivers, such as quality customer service and good coverage options to buying the cheapest possible car insurance.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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