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Best car insurance

The 10 best car insurance companies ranked and chosen from 100+ top brands

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By

Roslyn McKenna

Updated

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Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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More Info
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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More Info
The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
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More Info
Smartfinancial
Smartfinancial
Yes
Yes
No
All 50 states and DC
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Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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More Info
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How did we choose these picks?

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.

Best auto insurance companies list

Progressive

Finder Rating: 4 / 5 ★★★★★

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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.

Allstate

Finder Rating: 4 / 5★★★★★

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.

USAA

Finder Rating: 4 / 5 ★★★★★

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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.

Metromile

Finder Rating: 4 / 5 ★★★★★

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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

Finder Rating: 4 / 5 ★★★★★

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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.

Amica

Finder Rating: 4 / 5 ★★★★★

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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.

Travelers

Finder Rating: 4.5 / 5★★★★★

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.

Titan

Finder Rating: 3.5 / 5★★★★★

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.

PURE

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.

State Farm

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.

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.

  1. Decide which factors matter most to you. Consider a company’s monthly payment fees, service availability and customers’ satisfaction with claims.
  2. Research companies. Narrow your list by comparing coverage, costs and how a company treats customers and claims.
  3. Get multiple quotes. Go online or work with an independent insurance agent to get multiple quotes from your top picks and compare your options.
  4. Ask for discounts. You can ask your ideal insurer to try and match another quote and ask for discounts to get the lowest rate.
  5. Review your insurance. Make sure you still have the best deal after buying a home, moving or not shopping around in a while.

What’s the best type of car insurance?

Whether it’s liability only or full coverage policies, the best policy for you has all the coverage you need and nothing you don’t.

  • 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.

Bottom line

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.

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

  1. AM Best
  2. Better Business Bureau
  3. Consumer Insurance Search Results, National Association of Insurance Commissioners
  4. US Auto Claims Satisfaction Study, J.D. Power, 2020
  5. US Auto Insurance Satisfaction Study, J.D. Power, 2020

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