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Best car insurance companies of 2020
Compare the best car insurance companies and find the best policy for your ride.
Get the cheapest quotes
Compare car insurance near you.
Who are the 10 best car insurance companies?
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.
Best cheap rates: Geico
- Tons of discounts
- Innovative mobile app
- Easy repair process
- Low online customer service reviews
- Claims typically handled online only
Best customer experience: Amica
- Pays dividends
- Discounts for safe driving, bundling and more
- Roadside assistance
- Available in 49 states
- Limited coverage area
- Can be expensive
Best online support: Esurance
- Online quotes in minutes
- Competitive pricing
- Mobile claims filing
- Hidden fees
- Direct online company
- Autopay required
Best coverage and bundling: State Farm
- 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
Best usage-based insurance: Metromile
- 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
Best for free perks & luxury cars: Allstate
- 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
Best local coverage & agent support: Erie
- Rate lock
- Accident forgiveness
- Vanishing deductible
- Online bill pay
- Doesn’t accept online claims
- Limited availability in only 12 states
- Average customer loyalty
Best small company with big discounts & fast claims: Electric
- 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
Best for SR-22 & high-risk drivers: Titan
- 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
Best for military members & family: USAA
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
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.
|Company||Best for||Finder rating||AM Best rating||JD Power rating|
|Geico||Cheap rates||4.5/5 stars||A++||4/5 stars|
|Amica||Customer experience||4.5/5 stars||A+||5/5 stars|
|Esurance||Online support||4.5/5 stars||A+||5/5 stars|
|State Farm||Coverage and bundling||4.5/5 stars||A++||4/5 stars|
|Metromile||Usage-based insurance||5/5 stars||NR||NR|
|Allstate||Free perks||4.5/5 stars||A+||3/5 stars|
|Erie||Agent support||4.5/5 stars||A+||4.5/5 stars|
|Electric||Small company||4.5/5 stars||NR||NR|
|Titan||High-risk drivers||4.5/5 stars||A-||NR|
|USAA||Military||5/5 stars||A++||5/5 stars|
Best car insurance rates
Looking for the best rates? Compare sample quotes for California drivers and see how much you could save by looking for better car insurance deals.
|Company||Average annual rate||Learn more|
|21st Century||$1,701||Read review|
|State Farm||$2,474||Read review|
|The Hartford||$2,529||Read review|
|Liberty Mutual||$2,611||Read review|
|Average||$1,910||Compare all reviews|
Find the best car insurance company in 4 easy steps
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.
- 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.
- 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 could qualify for to get the lowest rate.
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.
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 rates from some of the best car insurance companies
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