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Best car insurance companies of 2020
Compare the best car insurance companies and find the best policy for your ride.
Our editorial team 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’s changed for 2020? We overhauled our rankings and added rankings for new insurers. We removed any insurer with less than 4 out of 5 stars from our best list. USAA and Amica continue to top the list for the third year in a row due to their highly-rated customer support scores. Companies known for cheap rates like Geico and Esurance have jumped up on the best list because most drivers consider cost to be the biggest factor in their search for car insurance.
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.
Progressive provides the coverage that most drivers need, along with additional options like custom parts, rideshare or high-risk driver coverage. Its free perks like a lowering deductible and accident forgiveness also reward safe driving. And if you have a limited budget, Progressive offers a free tool to help you find what coverage you can buy at the price you can afford.
Over a dozen car insurance coverage options, more than competitors
Offers options not covered everywhere like rideshare and SR-22 insurance
Accident forgiveness after three years or for claims under $500
Bundle any two policies for a multipolicy discount
Amica’s customer satisfaction scores top the charts on many review sites and third-party surveys, including JD Power ratings for several years in a row. The company also stands out in its coverage offerings with many free perks. Plus, the insurer offers one of the steepest discounts around for bundling policies together.
High customer service ratings
Up to 30% discount for bundling, including car, home or renters policies
Dividends when Amica makes a profit with some policies
No deductible for glass repairs or lock replacement
Limited coverage areas
Can be expensive compared to other insurers
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
Travelers keeps high standards for its customer service, reflected in the company’s solid business ratings and low number of customer complaints. You can get a quick quote online, then apply through an independent agent who will walk alongside you for the final signup paperwork. You might even qualify for multiple discounts, especially if you haven’t made any claims.
Steep discounts for safe driving
Personalized support through nearly 14,000 local agents
Few customer complaints among national insurers
New car package with total replacement cost and more
Charges service fees with some payment types
Not the best bundling discounts for home and car policies
States served
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin
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
State Farm is one of the most popular car insurers, known for personalized service through its large network of agents. On top of that, State Farm’s wide-ranging coverage includes standard and nonstandard options that you won't find everywhere, including rideshare, SR-22 and temporary car insurance. Plus, you can bundle almost any vehicle and type of home to save on your premiums.
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
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.
Some of the cheapest rates in the industry
Report and track claims in the app for convenience
Get dividends through company profits as a USAA member
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.
Save when you bundle your home and car insurance
Driver and vehicle discounts
24/7 claims service through USAA's free mobile app
Membership savings
Get dividends from company profits
Flexible premium payments
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
If you need protection for a prized collector or high-value car, Pure accepts luxury cars like Maseratis and Aston Martins that aren’t easy to cover with traditional insurers. You also get a suite of free perks to ease many accidents or breakdowns, perks like unlimited roadside assistance and coverage for a hotel if an accident happens away from home.
Agreed-value coverage to replace your car at its assessed value
Repairs with original parts to keep your car in pure form
Free worldwide rental car insurance for up to 90 days
No deductible for uninsured driver damage
Expensive rates compared to traditional insurers
Only offers policies through brokers, not online
Prefers low-risk drivers with high-value cars
States served
All 50 states
Roadside assistance
Included free
Pay schedule
custom
Claims methods
online, email, phone
New car protection
Yes
Accident forgiveness
No
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 apart 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.
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 insurer.
Research companies that meet your criteria. Narrow down your list by comparing how a company treats customers and claims when researching car insurance companies.
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.
Ask for discounts. Use your competing quotes to get the best rate. Make sure you ask for any discounts you 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 its ability to pay out claims.
Company
Best for
Average annual rate
AM Best rating
JD Power rating
Geico
Cheap rates
$1,102
A++
4/5 stars
Amica
Customer experience
$1,204
A+
5/5 stars
Esurance
Online support
$1,478
A+
5/5 stars
State Farm
Coverage and bundling
$905
A++
4/5 stars
Metromile
Usage-based insurance
$1,180
NR
NR
Allstate
Free perks
$1,486
A+
3/5 stars
Erie
Agent support
$2,311
A+
4.5/5 stars
Electric
Small company
$905
NR
NR
Titan
High-risk drivers
$783
A-
NR
USAA
Military
$1,226
A++
5/5 stars
To get these quotes, we compared rates for the same driver profile averaged across all Florida zip codes.
Male driver
26–30 years old
Married
Good credit
2017 Toyota Camry LE
$100/$300 liability
$100,000 property damage
$25/$50 uninsured motorist bodily injury
$100/$300 underinsured motorist bodily injury
50,000 personal injury protection
50,000 personal injury protection medical
$100 personal injury protection deductible
$500 comprehensive
$500 collision coverage
Compare more top car insurance companies
What’s the best kind of car insurance policy?
Liability insurance policies come with expensive add-ons depending on the company, making it 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 one 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?
With car insurance, customer service means being able to depend on your insurer in the event of a claim.
To find car insurance companies with the 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. 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 makes a 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 your insurer 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 doesn’t mean as much if you have to jump through hoops to qualify.
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. Compare the quality of these partners, 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 insurer. 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, 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.
Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
If you’re concerned your group disability insurance won’t replace enough of your income if you experience a disability, you can buy supplemental disability insurance.
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
Short- and long-term disability insurance offers coverage for different amounts of time and replaces a different percentage of your income, but you can buy both if you can afford it.
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Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
