Find out which providers go above and beyond to offer the best coverage.

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Trying to find the best auto insurance can be frustrating. Each company claims to have the lowest price and superior customer service, but they can’t all be the best. To help you get a clear understanding of the car insurance market, we ranked more than 30 popular auto insurance companies on the following categories:

  • Financial strength
  • Availability
  • Customer service
  • Costs and discounts
  • Coverage
  • Technology

Let’s take a closer look at the 12 providers that came out on top.

Anytime you shop for car insurance, we recommend getting quotes from several companies. Along with the company you choose, your rate is affected by factors like your age, vehicle make and model, and driving history, so it’s important to compare quotes to ensure you get the best car insurance coverage and price.

Use our tool below or call our team at (855) 518-0148 to start comparing car insurance quotes:

 
 

In this article:

Comparing The Top 12 Best Car Insurance Companies

Best Car Insurance Companies Superlatives Our Overall Rating Customer Service Grade Affordability Coverage
#1 USAA Best for Military 5.0 A+ 4.5 4.5
#2 Geico Best Overall 4.5 A- 4.0 4.0
#3 State Farm Best for Students 4.5 B+ 4.0 4.0
#4 Progressive Best for High-Risk Drivers 4.5 B+ 3.5 4.0
#5 AAA Best for AAA Members 4.0 A 4.0 4.0
#6 Farmers    4.0 B+ 3.0 4.0
#7 Root Auto Best Usage-Based Insurance 4.0 A- 4.5 3.5
#8 Allstate   4.0 B+ 3.0 4.0
#9 The Hartford    4.0 B+ 4.0 4.5
#10 Liberty Mutual Best for Teens 4.0 B+ 3.5 4.5
#11 Nationwide Best for Seniors 4.0 B+ 3.5 4.5
#12 Travelers   4.0 B+ 3.5 4.5
 

 

USAA: Best For Military Families

At the end of the day, we found USAA car insurance to be the best car insurance company, although it’s not available to everyone. If you already know you don’t qualify, you might want to skip this section since it will only make you jealous of your neighbor’s insurance policy.

USAA has an A++ rating from AM Best, which is the highest rating possible. It came in first place in J.D. Power’s 2019 Auto Claims Satisfaction Study and second place in J.D. Power’s 2019 Insurance Shopping Study. That’s no easy feat, and it means USAA knocks customer service out of the park. Coverage options with USAA include:

Coverage Details
Bodily Injury Liability and Property Damage Liability (BI/PD) BI/PD insurance is required by most states. It covers the other party if you cause an accident.
Comprehensive Comprehensive car insurance covers damage to your car not caused by an accident. Examples are damage from hail, floods, vandalism, and theft.
Collision Collision insurance covers damage to your car from an accident or rollover. This coverage also compensates you for the market value of your car if it is totaled.
Personal Injury Protection (PIP) PIP insurance covers medical payments and lost wages no matter who is at fault. It can be required in no-fault states like Florida.
Medical Payments/Extended Benefits Similar to PIP, medical payments (MedPay) covers hospital bills, while extended benefits adds coverage for lost wages and death benefits.
Uninsured/Underinsured Motorist BI/PD

Uninsured/underinsured motorist (UM/UIM) covers you if a driver without insurance or with too little insurance injures you or damages your car.

Note: all coverages named so far – except extended benefits – are offered as standard by most car insurance companies.

Roadside Assistance Roadside assistance adds coverage for emergency towing, lockout services, gas delivery, and spare tire installation.
Rental Reimbursement This option pays toward a rental car after you file a covered insurance claim.
Accident Forgiveness In some states, USAA members can purchase an accident forgiveness option that protects their rates after one accident.
Other Insurance Products USAA offers numerous insurance products, including motorcycle, rideshare, boat, renters, homeowners, collectible, flood, vision, pet, and life insurance.
 

As you’d expect from the best car insurance company, USAA has a Consumer Reports reader score of 92, the highest of any car insurance company. It is also the only company to hold the best score in all of Consumer Reports’ survey categories.

You might think that a company with high customer service ratings might also be expensive, but USAA is actually the most affordable option in many states. USAA tends to offer the cheapest rates overall, and that’s what makes it one of the best auto insurance companies on the market. Additionally, USAA has great car insurance discounts for veterans.

USAA is available to:

  • U.S. military members (enlisted, active, honorably separated, or retired)
  • Candidates in commissioning programs
  • Spouses and children of USAA members with an auto or home policy

The last qualification above leaves room for many people to join USAA. One member of the military can pass on USAA eligibility to generation after generation. If you’re eligible, we think nothing beats the customer service and great rates of USAA auto insurance.

Geico: Best Auto Insurance Overall

For the majority of drivers, there’s Geico auto insurance. The company offers some of the most competitive prices on the market, and it’s one of the best auto insurance options available nationwide. Here’s a breakdown of Geico’s coverage:

Coverage Details
Standard Coverages Like most auto insurance companies, Geico offers standard coverages including BI/PD, comprehensive, collision, PIP, MedPay, and uninsured/underinsured BI/PD.
Roadside Assistance Through Geico’s Emergency Road Service, drivers can request roadside assistance right in an app. It includes coverage for towing, jump starts, flat tire changes, and lockout services.
Rental Reimbursement This option helps pay rental car costs when your car is being repaired after a claim. Enterprise Rent-A-Car bills Geico directly under this arrangement.
Mechanical Breakdown Insurance (MBI) MBI is similar to an extended auto warranty, except you pay for it with your auto insurance policy. This program covers repairs for all mechanical parts, though it doesn’t cover maintenance or regular wear and tear. MBI is available for vehicles under 15 months or 15,000 miles, and it can be renewed annually up to 7 years or 100,000 miles.
Other Insurance Products Geico offers many kinds of insurance, including boat, rideshare, condo, mobile home, landlord, professional liability, overseas, and jewelry insurance.
 

In our research, we found Geico to be a great auto insurance company for students – drivers can get up to a 15 percent discount for being good students. Geico also offers other discounts for:

  • Defensive driving education
  • Military service
  • 5 years accident-free
  • Having an anti-theft system
  • Customer loyalty

The company wrote over $33 billion in car insurance premiums in 2018, according to the National Association of Insurance Commissioners (NAIC), and has an A++ rating from AM Best. While Geico offers a somewhat standard experience according to J.D. Power’s Insurance Shopping Study, the company came in fourth place overall in J.D. Power’s Auto Claims Satisfaction Study. That’s good, because having to file a claim is never fun. Geico also has an A+ rating from the Better Business Bureau (BBB) and a Consumer Reports reader score of 78.

 

Typical rates from Geico are between $1,000 and $1,600 per year, which is pretty good. These are average rates, so your specific quote might be different. Your rate can be affected by the state you live in and the car you drive, as well as your driving history and credit score. If you can’t get USAA, you’ll probably find the best auto insurance rates from Geico.

 

State Farm: Best For Students

State Farm auto insurance is the largest auto insurer in the U.S., with a market share of 17 percent according to the NAIC, and it currently services over 83 million policies.

The company is ranked 36th on the Fortune 500 and has the claims service to back it up. It came in fifth place on J.D. Power’s Auto Claims Satisfaction Study of top car insurance companies. However, the company was ranked average on J.D. Power’s Insurance Shopping Study. With State Farm, you can get the following coverages:

Coverage Details
Standard Coverages State Farm coverage includes BI/PD, comprehensive, collision, PIP, MedPay, and uninsured/underinsured BI/PD.
Roadside Assistance With this option, State Farm will cover up to one hour of labor at the breakdown site, fluid delivery, spare tire installation, jump starts, towing, and lockout services.
Car Rental Expense This option pays for a rental car while your car is in the shop for a covered repair. You can choose the limits of this policy.
Travel Expenses State Farm will pay up to $500 for food, lodging, and travel if you get into an accident more than 50 miles from home. This option also includes a trip to retrieve your vehicle.
Rental Deductible
State Farm will pay up to $500 toward your deductible if you get into an accident while driving a rental car.
Other Insurance Products Other coverages through State Farm include rideshare, boat, home, life, rental property, and health insurance.
 

State Farm has four car insurance apps that can make life easier and provide discounts:

  • State Farm App: State Farm’s main app lets you submit claims, pay for your policies, manage your bank accounts, and more.
  • Drive Safe & Save™: This is State Farm’s usage-based insurance app. If you score high enough, you can get up to a 30 percent discount on your premium. The app tracks things like cornering, hard braking, acceleration, and phone use while driving. It can only give you a discount – it can’t raise your rates for bad driving.
  • Steer Clear: This is an educational app available for drivers under the age of 25. Drivers complete in-app courses, log progress with a mentor, complete driving hours, and receive a certification. All that translates into a discount, which is why we think State Farm is the best auto insurance option for students.
  • State Farm Pocket Estimate: State Farm’s Pocket Estimator lets you snap photos of your car’s damage and get a repair estimate right in the app. It can save time during the claims process, and it has good ratings from both iOS and Android users.

In addition to the discounts through Drive Safe & Save and Steer Clear, State Farm gives discounts for the following:

  • Accident-free for 3 years
  • Defensive driving course
  • Student away at school
  • Claim-free for 3 years
  • Anti-theft equipment
  • Safe vehicle discount
  • Multi-car discount
  • Bundling auto with another type of insurance

The company has an A+ rating from the BBB, though its reviews on the BBB and Trustpilot are mixed. While State Farm could offer a better shopping experience, we think it’s still one of the best car insurance companies around.

Progressive: Best For High-Risk Drivers

In fourth place in our best car insurance comparison is Progressive car insurance. This company has been around since 1937 and has introduced many insurance firsts over the years. For example, Progressive was the first to allow people to purchase insurance plans online in the 1990s.

Use the tool below or call (855) 518-0148 to see if Progressive is the best provider for you:

 

Here’s what you can get with the company today:

Coverage Details
Standard Coverages BI/PD insurance is required by most states. It covers the other party if you cause an accident
Roadside Assistance This adds on coverage for towing, lockout services, fuel delivery, and spare tire installation.
Loan/Lease Payoff With this option, Progressive will pay an additional 25 percent of your car’s value toward its outstanding lease amount if collision compensation isn’t enough after a total loss.
Rental Reimbursement
This option grants $30 to $50 per day for a rental while your car is in the shop after a covered claim.
Custom Parts and Equipment Value This covers aftermarket parts on your car, like a sound system, and pays for repairs in the event of an accident.
Other Insurance Products Progressive offers numerous insurance options that include ATV, classic car, golf cart, homeowners, ID theft, travel, motorcycle, rideshare, and umbrella insurance.
 

Progressive has an A+ rating from AM Best and wrote over $27 billion in premiums in 2018, according to the NAIC. In addition to standard coverage options, we also like that Progressive stands out from other auto insurance companies with a few different ways to get discounts:

  • Deductible savings bank: Save $50 toward your next deductible for each six-month period without a claim.
  • Snapshot: Get a discount for being a good driver through Snapshot – but be careful, because poor driving can increase your rate.
  • Bundling: Save by adding another type of insurance to your plan with Progressive, like home, renters, or condo insurance.

Additionally, Progressive’s Name Your Price tool lets you start with your desired payment and view optimal insurance plans, which can save you time.

Based on our research, Progressive performed very well across financial strength, availability, coverage, and technology. However, the company had standard customer satisfaction and overall cost ratings.

According to Progressive’s website, customers generally pay between $1,500 and $2,000 per year for auto insurance, which is a bit higher than Geico’s estimate. In J.D. Power’s Auto Claims Satisfaction Study, survey participants said Progressive’s claims process was average, and the company has a reader score of 75 from Consumer Reports.

Overall, Progressive is a strong company and is among the best auto insurance options out there. The quote you receive is based on a number of factors, and you might find a price from Progressive that’s below the national average. Also, Progressive tends to be a little more affordable than Geico for drivers who have a DUI/DWI on record.

 

AAA: Best For AAA Members

AAA car insurance is also another great option in our roundup of the best car insurance companies for 2020. With roots that go back to 1902, the company has provided a number of different auto products over the decades. Most people today recognize AAA as a leader in roadside assistance, but the company can also give drivers a great car insurance experience.

Here are the main coverage options you have with AAA auto insurance:

Coverage Details
Standard Coverages AAA car insurance plans include the standard options of BI/PD, comprehensive, collision, PIP, MedPay, and uninsured/underinsured BI/PD.
Roadside Assistance All AAA auto insurance policyholders are required to carry AAA roadside assistance coverage, which is extensive. Higher membership levels include ID theft monitoring, home locksmiths, a tow up to 200 miles, and trip interruption benefits.
Enhanced Total Loss Replacement With this coverage, AAA will pay for a new model car replacement if your car is totaled.
Loan/Lease Gap Gap insurance covers the difference between your outstanding loan and the amount that your collision coverage provides after a total loss.
Enhanced Exterior Repair This option ensures that only original equipment manufacturer (OEM) parts will be used in repairing the exterior of your car.
Other Insurance Products AAA offers a number of insurance options, including life, home, renters, boat, flood, RV, and motorcycle insurance.
 

Note: AAA auto insurance is made up of multiple companies across the United States, so options can differ between territories.

 

In order to get AAA car insurance, you need to be a roadside assistance member. While becoming one is affordable – plans can cost between $50 and $100 per year – you might have to double up on roadside coverage if you already have a provider for that.

Another thing to be aware of is that AAA car insurance is really made up of a number of different companies. CSAA Insurance Group, the Auto Club Group, and Auto Club Enterprises Insurance Group are a few of the larger organizations that are part of the AAA auto insurance umbrella. Even though there are separate organizations, they all operate to a high standard that makes AAA one of our top picks for the best car insurance company.

For example, AM Best recently reaffirmed high financial ratings for a number of AAA’s companies. Additionally, the Auto Club of Southern California and CSAA Insurance Group both performed better than average on J.D. Power’s Insurance Shopping Study. Below are a few AAA auto insurance companies along with their reader scores from Consumer Reports (out of 100):

  • Auto Club of Southern California: 86
  • Auto Club Enterprises Insurance Group: 83
  • Auto Club Insurance Company of Florida: 82
  • CSAA Insurance Group: 79
  • Auto Club Group: 79

We also like that AAA car insurance companies offer a number of different discounts, which can include:

  • Membership discounts proportional to your time as a AAA roadside assistance cardholder
  • Discounts for having a safety inspection performed on your car
  • Discounts for using AAA’s mobile app OnBoard and being a safe driver
  • Discounts for completing a safe driving course
  • Discounts for insuring a new vehicle and driving fewer than average miles per year
  • Bundling auto with another type of insurance from AAA

Looking at AAA insurance reviews, many customers appreciate that they can work with agents over the phone instead of through an app or via email. While AAA auto insurance might not be available in some zip codes, it can be one of the best auto insurance choices if it’s available to you. We found the cost of premiums to be middle-of-the-road and better for people with good driving records.

Final Thoughts

Although one provider might stand out to you now, we encourage you to get auto insurance quotes from several companies so you can find the best auto insurance for you.

The only way to know how much you will pay for car insurance is to get a quote. This is because pricing varies depending on your location, vehicle, and more. Enter your zip code to start comparing top car insurance providers in your area. Or, for an easier experience, call (855) 518-0148.

 
 

Best Car Insurance Companies of 2020:

We should also mention that there are many smaller, regional car insurance companies that can provide great value and service. Check out our reviews for American Family auto insurance, United auto insurance, Mr. Auto Insurance, and Baja auto insurance to see what’s available in your area.

Frequently Asked Questions

Which auto insurance has the best rates?

We think USAA is the best auto insurance company when looking at the price, if you can get it. If not, Geico offers the best car insurance rates.

Why do I need car insurance?

State laws require insurance. Otherwise, you’d have to pay for damages in accidents you cause. Auto loans can also require more insurance coverage on your car.

Who is the best insurance company for home and auto?

This may come as no surprise, but we also think USAA is the best insurance company for bundling home and auto. With USAA, you can get up to a 10 percent discount when you bundle. If you can’t get USAA, both Farmers and State Farm offer 10 percent discounts for bundling home and auto, while Progressive offers a 5 percent discount.

Which is the best auto insurance after a DUI?

After doing our homework, we think that Progressive is the best car insurance provider for people who have a DUI/DWI on record. While some companies can double or even triple your rates, Progressive increases rates by about 30 to 50 percent on average.

Use the tool below or call (855) 518-0148 to collect and compare car insurance quotes from providers available in your state:

 
 

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