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Best car insurance of 2021

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

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

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.

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 auto insurance companies list

Progressive

Finder rating 4 / 5 ★★★★★

Get quotes
on Progressive's secure website
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 ★★★★★

Get quotes
on Allstate's secure website
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 ★★★★★

Get quotes
on USAA's secure website
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 5 / 5 ★★★★★

Get quotes
on Metromile's secure website
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 ★★★★★

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.

State Farm

Finder rating 4 / 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.

Amica

Finder rating 4 / 5 ★★★★★

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 ★★★★★

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 4.5 / 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.

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.

Compare more top car insurance companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. Speak to an Allstate agent: 877-526-1527
Progressive
Optional
30%
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.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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Compare up to 4 providers

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.

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