Best car insurance of 2021

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, 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.

What’s changed for 2021?

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 jumped up on the list because cost is the top reason most drivers switch car insurance, according to a Finder study.

Best companies list

Finder Rating: 4 / 5

★★★★★

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Best wide coverage: Progressive

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

• Average customer service scores
• Rates locked in for only 6 months

States served	All 50 states
Roadside assistance	Optional
Pay schedule	12 months, 6 months
Claims methods	online, phone
New car protection	Yes
Accident forgiveness	Yes

Finder Rating: 4 / 5

★★★★★

Read review

Cheapest rates: Geico

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

• Poor customer reviews
• Claims typically handled online only
• Local agents not available in every city or state

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

Finder Rating: 5 / 5

★★★★★

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Best for telematics: Metromile

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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.

• Only pay for the miles you drive
• Low-mileage drivers could save up to $611/year
• All miles over 250/day are free
• Convenient app claims, plus 24/7 customer support

• Limited 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

Finder Rating: 4.5 / 5

★★★★★

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Best free perks: Allstate

Included Free
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

• No homeowner, military or multi-car discounts
• 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

Finder Rating: 5 / 5

★★★★★

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Best for military and teens: USAA

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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 schedules

• Only military members and their families qualify for coverage
• Online-focused customer 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

Finder Rating: 4.5 / 5

★★★★★

Get a quote

Well-rounded policies: State Farm

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

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

Finder Rating: 4.5 / 5

★★★★★

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Best customer service: Amica

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

• Costs more than competitors
• Not available in Hawaii

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

Finder Rating: 4 / 5

★★★★★

Get a quote

Best agent support: Travelers

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

• Charges service fees with some payment methods
• You'll find higher multipolicy discounts elsewhere
• Not available in 8 states

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
Roadside assistance	Optional
Pay schedule	monthly
Claims methods	online, phone
New car protection	Yes
Accident forgiveness	Yes

Finder Rating: 4.5 / 5

★★★★★

Read review

Best for high-risk drivers: Titan

Optional
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

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

Finder Rating: 4 / 5

★★★★★

Read review

Best for luxury cars: PURE

Included Free
Roadside assistance

New car protection

Accident forgiveness

• Info
• Features
• Details

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

States served	All 50 states
Roadside assistance	Included free
Pay schedule	custom
Claims methods	online, email, phone
New car protection	Yes
Accident forgiveness	No

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 pays for damage you cause after an accident. Consider limits that equal the value of your car.
• 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. Your manufacturer offers 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 telematics or pay-per-mile policy, based on how well you drive.
• Gap insurance for car loans. If your car is stolen or totaled, gap insurance pays your lease or loan balance if your car is worth less than its original loan.

Compare more top car insurance companies

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	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.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states	Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
Root					52%	Available in 30 states	Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.	Get quotes More Info	Compare	loading Fetching your data...
Motion Auto		Optional			No	AZ	Reap a myriad of rewards based on how safe you drive and car safety features, plus free accident forgiveness and diminishing deductible.	Get quotes More Info	Compare	loading Fetching your data...
Branch		Optional			No	AZ, MO, IL, OH and TX	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...
AAA					Yes	AK, AZ, CA, MT, NV, UT and WY	Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.	Get quotes More Info	Compare	loading Fetching your data...
Metromile		Optional			49%	AZ, CA, IL, NJ, OR, PA, VA, WA	Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.	Get quotes More Info	Compare	loading Fetching your data...

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Bottom line

Compare each quote and company based on the value you’re getting for the cost. What you value may be different from other drivers for customer service or coverage levels that protect you from road disasters.

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