The Best Car Insurance Companies [The Complete Guide]

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Everyone deserves the best.

We think you’re the best and want to make sure you have the best of everything — even your car insurance.

Car insurance?

We know, having the best car insurance isn’t something you’ve thought about a lot? Maybe, you should.

Besides, paying too much for your car insurance, have you considered what other factors go into making the best decision when choosing an insurance provider?  In this comprehensive guide, we’re going to show you everything from rates to customer service to the claims process and everything in between so you can make the best decision for your personal needs.

No need to wait. Enter your ZIP code above and start comparing companies and rates now.

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The Top 10 Car Insurance Companies in the Nation

You’ve seen the commercials: mayhem, disasters, flying pigs.

Flying pigs? Yep, according to Farmers:

We’ve seen it and covered it.

What about your neighbors? Are you really in good hands? I haven’t seen any cavemen lately, but can I really save 15 percent with a ten-minute phone call?

Maybe. But, which is actually the best? We’ve got a the complete buyer’s guide to who’s the best.

Check our car insurance companies comparison charts below for four core categories: availability and rates, financial stability, reputation, and best company for you.

– Car Insurance Comparison Chart [Rates & Availability]

Here’s one important fact: All top 10 car insurance companies are licensed to operate in all 50 states except for American Family, Nationwide, and Travelers. Be sure and check out our company reviews if you are considering one of the companies above to see if it is available in your state.

The table below includes each of the top 10 companies, their average annual premium on a national scale compared to the national average, and their cheapest insured vehicle.

Although the table shows USAA and State Farm have the lowest premiums, that doesn’t necessarily mean you should choose one of them as your provider without doing further research. USAA has the lowest prices, but this company provides insurance for military personnel and their family members only.

If you aren’t affiliated with the military, State Farm may be your next choice. But again, our research has shown that location and carrier, not price, are the most important factors when deciding on an insurance company. Other factors, such as the laws in your state, marital status, and credit history, also play a role in the cost of your premiums. We will cover all of these factors in this article.

– Financial Stability

The future financial stability of a company can often be judged by its historic financial stability, especially in comparison to its top competitors. Also, third-party entities such as AM Best use an intricate algorithm to rate and predict the financial stability of a company.

The National Association of Insurance Commissioners (NAIC) releases an annual report that examines the financial stability of all car insurance companies. Here’s what you should look for:

  • Direct Premiums Written: the total dollar amount in premiums received by an insurance company without any adjustments.
  • Market Share: indicates the degree (in percent) of market concentration in a line of business.
  • Loss Ratio: a percent that represents the amount paid out on claims against what a company earns in premiums.

The table below shows these three figures for the top 10 companies in the car insurance market for 2018 and indicates whether they’re rising (↑), falling (↓), or remaining steady (~) based on NAIC data from 2015 through 2018.

CompanyAM Best RatingDirect Premiums Written
(in billions)
Market Share
(in percent)
Loss Ratio
(in percent)
AllstateA+ (Superior)22.7 (↑)9.19 (↓)56 (↓)
American FamilyA (Excellent)4.7 (↑)1.9 (↑)69 (~)
FarmersA (Excellent)10.5 (↑)4.26 (↓)61 (~)
GeicoA++ (Superior)33.1 (↑)13.41 (↑)71 (~)
Liberty MutualA (Excellent)11.8 (↑)4.77 (↓)62 (~)
NationwideA+ (Superior)6.7 (↓)2.73 (↓)58 (↓)
ProgressiveA+ (Superior)27.1 (↑)10.97 (↑)62 (~)
State FarmA++ (Superior)41.9 (↑)17.01 (↓)63 (↓)
TravelersA++ (Superior)4.7 (↑)1.9 (↑)60 (~)
USAA
(Military &
Family Members)
A++ (Superior)14.5 (↑)5.87 (↑)77 (~)

Because loss ratios can fluctuate from year to year, the safest bet is if they stay in the 60 to 70 percent range. A loss ratio lower than 60 percent shows the company is not paying out on claims. A loss ratio above 70 percent shows the company may be losing money.

– Reputation Among Consumers

Saving money is nice, but what happens when you need to make a claim. You certainly don’t want to rely on a company with a bad reputation when it comes to customer service.

When choosing (or changing) car insurance providers, it’s essential to examine the satisfaction of new customers and also established customers who file a claim. Luckily, J.D. Power collects data on both.

J.D. Power is a well-known go-to source for customer ratings of all sorts. Over 40,000 participants complete their comprehensive surveys. We share data here from two of their annual reviews: the U.S. Auto Claims Satisfaction Study and the Insurance Shopping Study.

J.D. Power uses Power Circle Ratings. These ratings are calculated based on the range between the highest score and the lowest score (per survey item) and places a company on that range with one to five circles.

Five circles = among the best; one circle = the rest. J.D. Power may assign one or more power circles to any company; however, they publically announce and publish only those ratings that are two power circles or higher.

The more circles of trust shown mean a higher level of customer satisfaction, which is suitable for everyone, including Greg.

The table below shows J.D. Power Circles (and translates them) awarded in two categories: satisfaction of new customers and satisfaction of customers that file a claim. J.D. Power awards Power Circles in many other categories as well.

CompanyOverall Satisfaction of Shopping Experience
(JD Power Rating)
Overall Satisfaction of Claims Process
(JD Power Rating)
Complaint Ratio
Lower or Higher than National Average (1.15)
Allstate3 Power Circles
(about average)
3 Power Circles
(about average)
0.64
(Lower)
American Family4 Power Circles
(better than most)
3 Power Circles
(about average)
0.70
(Lower)
Farmers3 Power Circles
(about average)
4 Power Circles
(better than most)
0.97
(Lower)
Geico3 Power Circles
(about average)
3 Power Circles
(about average)
0.92
(Lower)
Liberty Mutual3 Power Circles
(about average)
2 Power Circles
(the rest)
6.32
(Higher)
Nationwide2 Power Circles
(the rest)
3 Power Circles
(about average)
0.36
(Lower)
Progressive3 Power Circles
(about average)
3 Power Circles
(about average)
0.89
(Lower)
State Farm3 Power Circles
(about average)
3 Power Circles
(about average)
0.57
(Lower)
Travelers3 Power Circles
(about average)
3 Power Circles
(about average)
1.27
(Higher)
USAA
(Military &
Family Members)
4 Power Circles
(better than most)
5 Power Circles
(among the best)
1.14
(Lower)

The NAIC tracks official complaints about how car insurance companies do business. This agency calculates a complaint ratio for each company and compares it to the collective national complaint ratio.

The complaint ratio is determined by looking at the number of complaints per year per $1 million of premium earned by the total in annual premiums. In 2018, the collective national complaint ratio was 1.15; a rate lower than 1.15 is good, one higher than 1.15, not so good.

For example, USAA has some of the best rates in the country, and J.D. Power awarded them five Power Circles on handling claims. However, they have one of the highest complaint ratios, squeaking in right under the collective national complaint ratio of 1.15.

Progressive is in a similar situation, except J.D. Power awarded them three Power Circles on handling claims, though they are among the lowest in complaint ratio out of the top 10 companies.

Besides J.D. Power and NAIC, here are three other agencies who provide customer satisfaction ratings to help you choose the best company for your specific needs.

– The Best Company for You

Who has what you need?

We’ve looked at several factors which are crucial to choosing the best company for your insurance needs, and they are undoubtedly important. But sometimes, it boils down to dollars and cents. Are there ways you can save money?

Check out the table below, where we have listed each company and the total number of discounts. We’ve also listed the highest percent discount, our opinion of what kind of customer it’s best for, and a link to our company review.

CompanyTotal Number of DiscountsHighest Percent DiscountBest for...Our Company Review
Allstate2945%usage-based and
pay-as-you-drive
policies
Allstate Review
American Family2740%best value in
coverage level
and 60+
American Family Review
Farmers345%married and
longer commute
Farmers Review
Geico3140%teen drivers and
those with a speeding
ticket or accident
Liberty Mutual3835%vehicle recovery
system discount
Liberty Mutual Review
Nationwide3540%teen drivers and
best value in
coverage level
Nationwide Review
Progressive3631%poor credit and DUIProgressive Review
State Farm1950%poor driving record
and 60+
State Farm Review
Travelers2830%middle-aged drivers
and poor credit
Travelers Review
USAA2815%military
(especially if single)
USAA Review

How to Choose a Car Insurance Company

Choices.

Straight from The Possum’s mouth, there are many options when it comes to choosing car insurance. Here are some key questions to consider before getting a quote.

  • Do I want to conduct business with an agent, a broker, directly with the provider, online, a national company, or a local company?
  • What is the financial stability of each company, and what is their position for the future when it comes to market share, loss ratios, and third party rankings?
  • Which company offers the best discounts and rates for my situation and needs?
  • How satisfied are customers of each company with its service and claims process?
  • How many and what types of complaints have customers issued against each company?

– Website, App, and Agents

We know cost is a huge factor in determining which company to choose. But let’s look at your personal preference: Do you conduct business online? Do you prefer to let your fingers do the walking? Or do you like to meet with someone in person?

Each of the top 10 companies varies in the services they provide through their agents, website, and mobile app. Some companies have more strengths in their agents, while others are almost entirely web or app-based. Some of these services include:

  • Find and contact an agent
  • Purchasing a policy
  • Filing a claim
  • Tracking a claim
  • Pay or modify your bill
  • Electronic proof of insurance
  • App chat or 24/7 phone services
  • Roadside assistance

JD Power provides ratings of company services such as agents, call-center representatives, and websites. Take a look at these ratings, and see if they meet your needs.

CompanyLocal Agent
(JD Power Rating)
Call Center Representative
(JD Power Rating)
Insurer Website
(JD Power Rating)
Allstate3 Power Circles
(about average)
3 Power Circles
(about average)
3 Power Circles
(about average)
American Family4 Power Circles
(better than most)
Data Not AvailableData Not Available
Farmers3 Power Circles
(about average)
Data Not Available2 Power Circles
(the rest)
Geico3 Power Circles
(about average)
3 Power Circles
(about average)
3 Power Circles
(about average)
Liberty Mutual3 Power Circles
(about average)
2 Power Circles
(the rest)
3 Power Circles
(about average)
Nationwide3 Power Circles
(about average)
2 Power Circles
(the rest)
2 Power Circles
(the rest)
Progressive3 Power Circles
(about average)
2 Power Circles
(the rest)
3 Power Circles
(about average)
State Farm3 Power Circles
(about average)
3 Power Circles
(about average)
3 Power Circles
(about average)
Travelers3 Power Circles
(about average)
3 Power Circles
(about average)
Data Not Available
USAA
(Military &
Family Members)
Data Not Available5 Power Circles
(among the best)
5 Power Circles
(among the best)

– Your Unique Characteristics

When obtaining a quote from a car insurance company, the company will ask you a series of personal questions, which will be used to help determine the cost of your premium.

Insurance companies claim statistics show drivers with some of these characteristics as lower risk, but the numbers also make assumptions that are not always true about individual drivers.

In most states, these nine factors will be used to determine how much you pay in premiums.

  1. Where you live – States (and sometimes cities) have specific laws about car insurance. Your state of residence is the most significant factor in determining your rate.
  2. Age – Insurance companies assume that, with more driving experience and maturity, we become safer drivers.
  3. Gender – In some cases, rates for males are higher than females because of the assumption that men are more adventurous and risky.
  4. Marital Status / Homeownership – Insurance companies consider being married and owning a home both signs of stability and responsibility, so they assume that married homeowners carry less risk.
  5. Level of Education – Similar to marital status and homeownership, the assumption is that people with higher levels of education will also be more responsible and safer.
  6. Vehicle Year, Make, and Model – What you choose to drive makes a huge difference in your rate based on safety ratings, cost of repairs, and, sometimes, the amount of damage your vehicle can do to another car if in an accident.
  7. Credit Score – Along with education, marital status, and homeownership, your credit score can reflect how responsible you are.
  8. Driving Record – If you have a history of speeding tickets, accidents, or DUIs, you are considered a risky driver and will pay higher rates in most cases.
  9. Commute Distance – If you drive more, you statistically increase your chances of getting in an accident.

Okay, some of these factors make sense, but some of them may make you feel a little uncomfortable.

The good news is some states have outlawed some of the more discriminatory methods in calculating rates.

Here are a few examples:

  • Determining rates based on gender has been outlawed in California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and parts of Michigan.
  • Montana was one of the first states (1985) to outlaw determining rates based on gender and marital status.
  • California, Massachusetts, and Hawaii have outlawed using consumer credit information to determine rates.
  • And, just recently, after decades of failed attempts at car insurance reform, a new law will go into effect July 2020. This new law prohibits insurance companies in Michigan from determining rates based on anything but driving record, age, the vehicle you choose to operate, and possibly location.

Given this decision in Michigan, it may not be long before other states pass such legislation.

– Discounts

Got discounts? How do you know unless you ask?

Companies offer discounts up to 40 percent if you answer “yes” to specific questions. Be sure and ask your provider what discounts are available to you. To learn about discounts offered by other insurance carriers, check out our article on The Ultimate Guide to Insurance Discounts.

Laws and discounts vary by state and company, and we have included information on various discounts offered by the top 10 carriers in the nation.

The Top Car Insurance Companies in the Nation

Which company has the best reputation and is inside your circle of trust?

Who’s the best of the best?

Four companies (Allstate, Geico, Progressive, and State Farm) have dominated the car insurance industry for the past 15 years. We researched NAIC’s website from 2004 onward and discovered an important caveat:

In 15 years, these companies have gained a 10 percent market share, and now control over half of the market share for the entire car insurance industry.

Comparing market share in 2004 and market share in 2018 shows who was and continues to be the best.

Company2004 Market Share
(in percent)
2018 Market Share
(in percent)
Growth / Decline
(in percent)
Allstate10.219.19-1.02
Geico5.4913.41+7.92
Progressive7.1210.97+3.85
State Farm18.5217.01-1.51
TOTAL Market Share
of Top Four
41.3450.58+9.24

Geico has shown the largest growth over this period, with over seven percent. Progressive has also shown an impressive growth spurt with just under four percent of the market. While State Farm and Allstate have lost market share with decreases over one percent.

But, when you look at the period between 2013 and 2018, Geico is closing the gap in market share with State Farm, while Progressive continues to gain market share on Geico.

Currently, based on 2018 financials, State Farm is still in the lead in total direct premiums written. Allstate hasn’t lost any of its market share but continues to trail behind Geico and Progressive in the current five-year growth trend.

Top 4 direct premiums written

What sets these industry leaders apart from one another? There are a few key differences:

  • State Farm is a mutual company owned by its customers, all shouldering risks, and rewards equally.
  • Geico offers internet-based policies dealing directly with the customers, and they also partner with investors.
  • Progressive offers both agents and internet-based policies.
  • Allstate offers only an agent-based model.

It’s hard to say which business model is the best of the best, but, as the consumer, you have choices. Your individual needs and preferences will ultimately determine the best company for you.

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The Best Car Insurance Companies by Region

If you plan to move a state or two over, up, or down, these tables may be helpful. Sometimes when moving to a different state (even within the same region), your current carrier may not have the best rates.,

In some cases, neighboring states have such cheaper car insurance, it may be more feasible to move there and commute to work or ride the subway.

We’ve broken down the 50 states into regions so you can take a quick look at the average rate of your current (or future) insurance provider.

– Midwest

STATEAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Michigan$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
AVERAGE$5,694.46$2,961.35$4,016.21$3,217.54$7,761.66$3,260.90$3,678.00$3,268.72$4,595.58$2,403.22

Liberty Mutual has the overall highest average rate of $7,762 per year. In the midwest, Michigan has the highest car insurance rates, where coverage by Allstate tops out just under $23,000.

– Northeast

STATEAllstateFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Connecticut$5,831.60Data Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
Maine$3,675.59$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Massachusetts$2,708.53Data Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
New Hampshire$2,725.01Data Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,713.58$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New York$4,740.97Data Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Pennsylvania$3,984.12Data Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45Data Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
Vermont$3,190.38Data Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
AVERAGE$4,169.91$5,193.58$2,734.29$5,951.75$3,252.43$4,192.96$3,363.06$5,054.34$2,533.67

Liberty Mutual has the overall highest rate of $5,952 per year. In the northeast, New Jersey has the highest car insurance rates, where coverage by State Farm leads the way with a yearly rate of $7,527.

– Southeast

STATEAllstateFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alabama$3,311.52$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$5,150.03$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Delaware$6,316.06Data Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$7,440.46Data Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,210.70Data Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Kentucky$7,143.92Data Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,998.79Data Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maryland$5,233.17Data Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Mississippi$4,942.11Data Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
North Carolina$7,190.43Data Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
South Carolina$3,903.43$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
Tennessee$4,828.85$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Virginia$3,386.80Data Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
West Virginia$3,820.68Data Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
AVERAGE$5,205.50$4,141.40$3,509.13$6,878.53$3,735.51$4,504.66$3,349.71$4,286.52$2,668.26

Again, Liberty Mutual has the highest overall rate of $6,879 per year. In the southeast, Delaware has the highest car insurance rates, where coverage by Liberty Mutual tops out at $18,360.

– Southwest

STATEAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Arizona$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
New Mexico$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Oklahoma$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Texas$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
AVERAGE$4,577.20$4,848.72$4,486.00$3,355.91$6,874.62$3,626.00$4,048.43$3,198.41$3,084.74$2,760.78

Liberty Mutual has the highest overall rate of $6,874 per year, followed by American Family, whose average rate is $4,849.

– West

STATEAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
California$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Hawaii$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Montana$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
Wyoming$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
AVERAGE$4,160.75$3,999.30$4,141.71$3,136.56$3,526.62$3,241.25$3,578.56$3,000.38$3,707.11$2,434.07

Allstate has the highest overall rate of $4,161 per year. In the west, Nevada has the highest car insurance rates where coverage from Liberty Mutual leads the way at $6,202.

Best Car Insurance Companies by State

The state in which you live has a huge influence on your rate. Every state is different, and it usually has a lot to do with the laws.

For example, one dividing factor between 11 states and the remaining 39 is whether or not their laws are at-fault-based or no-fault-based.

Typically, no-fault states require drivers to purchase a certain amount of personal injury protection (PIP), which is elective in most at-fault states

Michigan has just passed historic legislation to overhaul its insurance systems completely. To read more about the insurance laws in your state, be sure and check out our comprehensive state guides linked in the table below.

Best Car Insurance Companies and Rates

It’s not just laws which can affect your rates. Many companies offer cheaper options, and some even advertise “to pick and choose only the coverage you need.”

The following tables show national level rates for the top 10 auto insurance providers based on various demographics.

– Best Car Insurance Companies and Rates for Males and Females

Some states have outlawed car insurance premiums based on gender, and other states have now required a non-binary category when drivers obtain a quote.

We have removed teenage drivers from the table below since their age more heavily influences their rates rather than their gender.

Company25+ Male Average25+ Female Average
Allstate$3,228.19$3,164.78
American Family$2,311.14$2,161.43
Farmers$2,682.53$2,613.53
Geico$2,286.23$2,309.61
Liberty Mutual$4,013.50$3,735.81
Nationwide$2,497.03$2,392.41
Progressive$2,327.52$2,328.71
State Farm$2,170.06$2,097.19
Travelers$2,255.04$2,185.30
USAA$1,705.15$1,663.27
Average$2,547.64$2,465.20

The numbers don’t lie: on average, females pay more than $80 per year for the same coverage as male drivers do.

– Best Car Insurance Companies and Rates for Single and Married

We have removed teenage drivers from the table below since their age more heavily influences their rates rather than their marital status.

DemograhphicsUSAAState FarmAmerican FamilyTravelersProgressiveNationwideGeicoFarmersAllstateLiberty Mutual
Married 35-year-old female$1,551.43$2,081.72$2,202.70$2,178.66$2,296.90$2,360.49$2,302.89$2,556.98$3,156.09$3,802.77
Married 35-year-old male$1,540.32$2,081.72$2,224.31$2,199.51$2,175.27$2,387.43$2,312.38$2,557.75$3,123.01$3,856.84
Married 60-year-old female$1,449.85$1,873.89$1,992.92$2,051.98$1,991.49$2,130.26$2,247.06$2,336.80$2,913.37$3,445.00
Married 60-year-old male$1,448.98$1,873.89$2,014.38$2,074.41$2,048.63$2,214.62$2,283.45$2,448.39$2,990.64$3,680.53

Again, female drivers pay more for car insurance, whether married or not. Not all companies provide a discount for marital status, while Geico and State Farm have similar rates.

– Best Car Insurance Companies for Teens

CompanySingle 17-24 year old femaleSingle 17-24 year old maleTeen Average
Allstate$9,282.19$10,642.53$9,962.36
American Family$5,996.50$8,130.50$7,063.50
Farmers$8,521.97$9,144.04$8,833.01
Geico$5,653.55$6,278.96$5,966.26
Liberty Mutual$11,621.01$13,718.69$12,669.85
Nationwide$5,756.37$7,175.31$6,465.84
Progressive$8,689.95$9,625.49$9,157.72
State Farm$5,953.88$7,324.34$6,639.11
Travelers$9,307.32$12,850.91$11,079.12
USAA$4,807.54$5,385.61$5,096.58
AVERAGE$7,559.03$9,027.64$8,293.33

If you have teen drivers in your household, then Geico offers the least expensive coverage at $5,966 per year. Liberty Mutual charges nearly double that rate, so if the cost is a major deal-breaker, then they may not be the best choice.

– Best Car Insurance Companies for Singles in Their 20s and 30s

CompanySingle 25-34 year old femaleSingle 25-34 year old maleAverage
Allstate$3,424.87$3,570.93$3,497.90
American Family$2,288.65$2,694.72$2,491.69
Farmers$2,946.80$3,041.44$2,994.12
Geico$2,378.89$2,262.87$2,320.88
Liberty Mutual$3,959.67$4,503.13$4,231.40
Nationwide$2,686.48$2,889.04$2,787.76
Progressive$2,697.73$2,758.66$2,728.20
State Farm$2,335.96$2,554.56$2,445.26
Travelers$2,325.25$2,491.21$2,408.23
USAA$1,988.52$2,126.14$2,057.33
AVERAGE$2,703.28$2,889.27$2,796.28

Nationally, Geico, Travelers, and USAA (military-affiliated only) charge the least for covering single drivers in their mid-20s to mid-30s. Liberty Mutual has the highest rates at $4,231 per year.

– Best Car Insurance Companies for Those in Their 30s through 50s

CompanyMarried 35-59 year old femaleMarried 35-59 year old maleAverage
Allstate$3,156.09$3,123.01$3,139.55
American Family$2,202.70$2,224.31$2,213.51
Farmers$2,556.98$2,557.75$2,557.37
Geico$2,302.89$2,312.38$2,307.64
Liberty Mutual$3,802.77$3,856.84$3,829.81
Nationwide$2,360.49$2,387.43$2,373.96
Progressive$2,296.90$2,175.27$2,236.09
State Farm$2,081.72$2,081.72$2,081.72
Travelers$2,178.66$2,199.51$2,189.09
USAA$1,551.43$1,540.32$1,545.88
Average$2,449.06$2,445.85$2,447.46

Liberty Mutual charges more than $1,400 more than average for married drivers in this age range.

– Best Car Insurance Companies for Those in Their 60s

CompanyMarried 60+ year old femaleMarried 60+ year old maleAverage
Allstate$2,913.37$2,990.64$2,952.01
American Family$1,992.92$2,014.38$2,003.65
Farmers$2,336.80$2,448.39$2,392.60
Geico$2,247.06$2,283.45$2,265.26
Liberty Mutual$3,445.00$3,680.53$3,562.77
Nationwide$2,130.26$2,214.62$2,172.44
Progressive$1,991.49$2,048.63$2,020.06
State Farm$1,873.89$1,873.89$1,873.89
Travelers$2,051.98$2,074.41$2,063.20
USAA$1,449.85$1,448.98$1,449.42
Average$2,243.26$2,307.79$2,275.53

Nationally, American Family and State Farm charge the least for covering drivers 60 and older.

– Best Car Insurance Companies and Rates by Vehicle Type

CompanyUsed SedanNew SedanUsed SUVNew SUVUsed TruckNew Truck
Allstate$4,753.69$5,380.28$4,324.99$4,947.90$4,429.74$5,491.12
American Family$3,178.82$3,721.32$3,326.18$3,496.99$3,447.30$3,487.91
Farmers$4,405.21$4,779.51$3,728.22$3,769.00$4,093.50$4,390.19
Geico$3,092.58$3,338.87$3,090.89$3,337.18$3,092.11$3,338.40
Liberty Mutual$5,869.32$6,682.63$5,825.33$6,244.44$5,830.16$5,988.85
Nationwide$3,547.84$3,361.93$3,517.03$3,328.57$3,571.01$3,373.64
Progressive$4,429.56$4,528.90$3,647.22$3,730.78$3,914.05$3,962.58
State Farm$3,024.24$3,189.99$3,226.02$3,418.33$3,204.23$3,497.17
Travelers$4,420.37$4,661.22$4,383.78$4,708.19$4,023.47$4,412.42
USAA$2,409.67$2,422.66$2,454.58$2,529.63$2,551.56$2,855.69
Average$3,913.13$4,206.73$3,752.42$3,951.10$3,815.71$4,079.80

In all cases, a new sedan will cost you more for car insurance than a used model. The same goes for SUVs, except for Nationwide, who charge less for a used model.

– Best Car Insurance Companies and Rates by Credit Score

Who has the best rates based on credit score? If you’re below 600, then companies may want you to pay more.

Check out the table below to see where your number lands for good, fair, and bad credit.

CompanyGoodFairPoor
Allstate$3,859.66$4,581.16$6,490.65
American Family$2,691.74$3,169.53$4,467.98
Farmers$3,677.12$3,899.41$4,864.14
Geico$2,434.82$2,986.79$4,259.50
Liberty Mutual$4,388.18$5,604.24$8,802.22
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
State Farm$2,174.26$2,853.00$4,951.20
Travelers$4,058.97$4,344.10$5,160.22
USAA$1,821.20$2,219.83$3,690.73

Liberty Mutual charges more than double for car insurance for customers who have poor credit versus those with good credit.

– Best Car Insurance Companies and Rates by Driving Record

If there’s one factor that insurance companies can use in determining rates that is non-discriminatory, it’s your driving record. A licensed insurance agent explains it well in this video:

The table below shows how much your rates can go up with just one speeding ticket, as well as rates for several other infractions.

CompanyClean RecordWith One Speeding TicketWith One AccidentWith One DUI
Allstate$3,819.90$4,483.51$4,987.68$6,260.73
American Family$2,693.61$3,025.74$3,722.75$4,330.24
Farmers$3,460.60$4,079.01$4,518.73$4,718.75
Geico$2,145.96$2,645.43$3,192.77$4,875.87
Liberty Mutual$4,774.30$5,701.26$6,204.78$7,613.48
Nationwide$2,746.18$3,113.68$3,396.95$4,543.20
Progressive$3,393.09$4,002.28$4,777.04$3,969.65
State Farm$2,821.18$3,186.01$3,396.01$3,636.80
Travelers$3,447.69$4,260.80$4,289.74$5,741.40
USAA$1,933.68$2,193.25$2,516.24$3,506.03

Speed trap? Not only will you have to pay for the ticket, but there’s a good chance you’re trapped into paying more for your insurance. Progressive charges over $600 more for drivers who have a speeding ticket than those with a clean record.

– Best Car Insurance Companies and Rates by Commute

In the case of commute distance, a shorter commute is considered 10 miles or 6,000 miles per year. A long commute is considered 25 miles or 12,000 miles per year.

CompanyShort CommuteLong Commute
Allstate$4,841.71$4,934.20
American Family$3,401.30$3,484.88
Farmers$4,179.32$4,209.22
Geico$3,162.64$3,267.37
Liberty Mutual$5,995.27$6,151.63
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
State Farm$3,175.98$3,344.01
Travelers$4,399.85$4,469.96
USAA$2,482.69$2,591.91
Average$3,910.61$3,995.69

Rates are consistent with the top 10 companies, as there is less than $200 difference between a short and long commute.

– Best Car Insurance Companies and Rates by Coverage Level

Coverage level refers to the difference in cost of coverage based on the minimum requirements (low coverage), slightly above the minimum (medium coverage), and well above the minimum (high coverage).

CompanyLowMediumHigh
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
Geico$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92

American Family rates are less than $50 between low and high coverage. Other companies like Nationwide and Geico charge less than $400 for the same low to high coverage. If your car is a newer model or you want to make sure your family is fully protected in case of an accident, you may want to consider buying extra coverage.

Frequently Asked Questions

Got a question? We’ve got answers.

– Who has the best online insurance?

Check out our company reviews where we go in-depth on how to make claims and get quotes online, their apps and websites, and more:

CompanyTotal Number of DiscountsHighest Percent DiscountBest for...Our Company Review
Allstate2945%usage-based and
pay-as-you-drive
policies
Allstate Review
American Family2740%best value in
coverage level
and 60+
American Family Review
Farmers345%married and
longer commute
Farmers Review
Geico3140%teen drivers and
those with a speeding
ticket or accident
Liberty Mutual3835%vehicle recovery
system discount
Liberty Mutual Review
Nationwide3540%teen drivers and
best value in
coverage level
Nationwide Review
Progressive3631%poor credit and DUIProgressive Review
State Farm1950%poor driving record
and 60+
State Farm Review
Travelers2830%middle-aged drivers
and poor credit
Travelers Review
USAA2815%military
(especially if single)
USAA Review

The Bottom Line

Now that you have all of this information on the top 10 car insurance companies, are you ready to go your separate ways with your insurance provider?

Remember, where you live is the most significant factor in determining what your car insurance rates will be. To get started comparing insurance rates now, enter your zip code into our FREE online comparison tool because you really do deserve the best.

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