To identify the best car insurance companies for 2021, the team of experts at CarInsurance.com, lead by Senior Consumer Analyst Penny Gusner, commissioned and analyzed a survey of current policyholders of the 20 largest carriers.

The goal was to measure how well each car insurance company did on customer satisfaction and determine the best car insurance companies. The customers' auto insurance reviews show how auto insurance companies handled claims, performed on customer service, ranked on value for the price, and if the carrier website and apps were considered useful and easy to use.

These rankings of the best car insurance companies will help you determine which auto insurance company best suits your needs. For some, the price may be the biggest consideration for car insurance, while for others, it may be customer satisfaction or claims satisfaction.

Below you'll see a summary of how the 10 best car insurance companies rank for customer satisfaction metrics considered, and then a more detailed list showing all car insurance companies included in the survey. When you shop around for insurance coverage, and it's time to compare insurance quotes, you won't have to make a car insurance decision on price alone.

Best Car Insurance Companies - In a Nutshell

Top 10 car insurance companies for claims service
Top 10 car insurance companies for customer service
Top 10 car insurance companies for value
Top 10 car insurance companies for website apps ease of use.

In the charts below, you'll see auto insurance reviews that outline how the nation's largest car insurance companies rank on these metrics, based on a survey of more than 3,700 customers across the country.

Scores are out of five stars. Enter a car insurance company name in the search field to see results for a specific insurance provider.

State Farm earned the top spot as the best car insurance company overall, as well as for claims satisfaction, customer satisfaction and value for the price.

  • State Farm has a robust offering of special car insurance coverage types and discounts, especially for young drivers.
  • State Farm isn’t known for having the lowest insurance rates, but is actually among the cheapest for liability and full coverage policies compared to other national carriers.
  • Received four stars for customer service, value, claims handling and website/apps.
  • Had the highest percentage (96%) of customer who said they’d renew their policies.
  • State Farm also had a lower than average complaint ratio, as reported by the National Association of Insurance Commissioners.

It should be noted that USAA offers coverage only to military members, and veterans and their families, so was scored but not included in rankings.

Best Car Insurance Companies for Auto Claims Satisfaction

If you're lucky, you won't have to file many claims with your car insurance company. But if you do, you want to be treated right by your auto insurer. That means the best car insurance company for auto claims satisfaction gives you the help you need during the process, from filing the paperwork to being reimbursed quickly.

Here is how auto insurers ranked for auto claims satisfaction.

Car Insurance Companies Ranking for Claim Service
RankCompanyStars
1State Farm4
2Safeco4
3Auto-Owners4
4Progressive4
5Geico3.5
6Travelers3.5
7Allstate3.5
8American Family3.5
9Auto Club of Southern California (Auto Club Enterprise Insurance Group)3.5
10MetLife3.5
11Hartford3.5
12Nationwide3.5
13Farmers3.5
14Erie3
15Liberty Mutual3
16Mercury3
17CSAA Insurance Group3
18The Auto Club Group (ACG) – AAA3
19The General2.5

*USAA scored 4 stars and is not eligible to be ranked because doesn’t meet study award criteria

Best Car Insurance Companies for Customer Satisfaction and Service

Of course, you want to have an insurance company that is helpful to you even when you aren't in an accident. That means getting help when you have questions about what coverage is best for you, how to add or drop drivers or cars from your policy, and matching you up with the most discounts.

Here are how companies ranked on customer satisfaction and service:

Car Insurance Companies Ranking for Customer Service
RankCompanyStars
1State Farm4
2Geico4
3MetLife4
4Erie4
5Auto-Owners4
6American Family4
7The Auto Club Group (ACG) – AAA4
8Travelers4
9Safeco4
10Allstate3.5
11Auto Club of Southern California (Auto Club Enterprise Insurance Group)3.5
12Liberty Mutual3.5
13Nationwide3.5
14Progressive3.5
15Hartford3.5
16Farmers3.5
17CSAA Insurance Group3.5
18Mercury3
19The General3

*USAA scored 4 stars and is not eligible to be ranked because doesn’t meet study award criteria

Best Car Insurance Companies for Value

Everyone likes to save money, but you don't want to get poor service just because you're looking for the cheapest car insurance for your budget and the lowest insurance rates. 

Here is how major carriers rank on overall value for the price.

Car Insurance Companies Ranking for Value
Ranking CompanyStars
1State Farm4
2Auto-Owners3.5
3MetLife3.5
4Travelers3.5
5Erie3.5
6The Auto Club Group (ACG) – AAA3.5
7Safeco3.5
8American Family3.5
9Liberty Mutual3.5
10Allstate3.5
11Auto Club of Southern California (Auto Club Enterprise Insurance Group)3.5
12Geico3.5
13Progressive3.5
14Nationwide3.5
15Hartford3
16CSAA Insurance Group3
17Farmers3
18Mercury3
19The General2.5

*USAA scored 4 stars and is not eligible to be ranked because doesn’t meet study award criteria

Best Car Insurance Companies for Website and Apps Ease of Use

For those who like to use websites and apps to handle much of their car insurance needs, Geico, State Farm, Liberty Mutual and American Family lead the pack.

Car Insurance Companies Ranking for Website and Apps Ease of Use
RankCompanyStars
1Geico4
2State Farm4
3Liberty Mutual3.5
4American Family3.5
5Progressive3.5
6Allstate3.5
7Auto Club of Southern California (Auto Club Enterprise Insurance Group)3.5
8Auto-Owners3.5
9Nationwide3.5
10Hartford3.5
11The Auto Club Group (ACG) – AAA3.5
12Travelers3.5
13Erie3.5
14Safeco3.5
15CSAA Insurance Group3.5
16The General3.5
17Farmers3.5
18Mercury3

*USAA and Metlife scored 4 stars and are not eligible to be ranked because doesn’t meet study award criteria

Best Car Insurance Companies for Life Events, Age, Accidents, Bad Credit

Your car insurance needs may change as you experience different life events because things like your driving record, your age, and other factors are considered when determining insurance rates.

So, in some ways, the best car insurance company for you depends on your particular, current situation. Some drivers have recent accidents or moving violations on their driving record, others don’t. Some may have bad credit or be adding a teen driver to their policy.

CarInsurance.com’s Editorial Director Michelle Megna and Senior Consumer Analyst Penny Gusner recommend the following, based on their decades of experience covering auto insurance and their assessment of rate data for various types of drivers:

Best auto insurance company for drivers with speeding tickets:

Geico

Geico had the lowest average rate for those with a recent speeding violation, among the top carriers CarInsurance.com surveyed. CarInsurance.com data show that Geico’s average rate of $1,449 for a full coverage policy after a speeding ticket was the lowest.

Best car insurance company for drivers with accidents: Progressive

Progressive beat out the other major insurance providers surveyed to have the cheapest average rate for drivers ($1,031) with an accident claim on their record.

Best car insurance company for bad credit: Geico

Geico’s average rate of $2,094 for drivers with bad credit was the lowest among major carriers analyzed by CarInsurance.com. Drivers with bad credit pay an average of 71% more than those with good credit, but each insurer hikes rates according to their own formula, so that means you can still save if you compare quotes from several insurance providers.

Best car insurance companies for auto-home bundle discount

If you buy your home insurance from the same carrier that provides your auto coverage, you can garner an average savings of 17%, but some auto-home bundle discounts are as high as 29%. Below discounts for bundling home and auto.

Nationwide had the highest discount (29%) for bundling home and auto, based on a 2021 CarInsurance.com analysis of dozens of major auto and home insurance companies. United Farm Family had 28%. Farmers, Grange and  State Farm followed with 27% car and home policy savings. Vermont Mutual had 26%.  Memberselect (AAA) had a 25% price break. followed by Allstate, with 23%.

Company Auto rate Home rate Total rate Total rate after bundle Total $savings Bundle discount %
Nationwide$1,386$2,219$3,605$2,296$1,30929%
United Farm Family Mutual$1,735$3,099$4,834$3,496$1,33828%
Farmers$2,031$8,661$10,692$7,771$2,92127%
State Farm$1,602$2,129$3,731$2,725$1,00627%
Grange$3,396$2,227$5,623$4,108$1,51527%
Vermont Mutual$1,627$904$2,531$1,876$65526%
Memberselect (AAA)$2,898$1,706$4,604$3,458$1,14625%
Allstate$4,961$1,360$6,321$4,873$1,44823%
Mid-Century Insurance$2,212$1,807$4,019$3,091$92823%
Oklahoma Farm Bureau Mutual$2,451$3,844$6,295$4,878$1,41723%
Safety$1,186$1,929$3,115$2,435$68022%
MetLife$2,572$1,836$4,408$3,459$94922%
Pemco$1,271$840$2,111$1,668$44321%
Citizens Insurance$2,537$3,545$6,082$3,859$2,22320%
New York Central Mutual (NYCM)$2,993$1,000$3,993$3,198$79520%
Patriot$1,211$1,373$2,584$2,070$51420%
Alfa$2,571$5,283$7,584$6,391$1,46319%
Allied$1,737$3,225$4,962$4,032$93019%
Amco$1,288$2,417$3,705$3,018$68719%
American Family$1,585$2,975$4,560$3,704$85619%
Automobile Insurance Club of Hartford$755$1,322$2,077$1,708$36918%
CSAA Insurance Group$2,929$1,857$4,786$3,941$84518%
Erie$1,416$1,591$3,007$2,480$52718%
Auto Club of Southern California$2,263$1,314$3,577$2,925$65218%
Travelers$2,292$1,030$3,322$2,712$61018%
Farm Bureau$1,858$2,873$4,731$3,927$80417%
Quincy Mutual$1,517$1,047$2,564$2,129$43517%
Kentucky Farm Bureau Insurance$2,166$4,833$6,999$5,861$1,13816%
Arbella$1,722$1,478$3,200$2,695$50516%
Auto Club Group$2,536$1,445$3,981$3,332$64916%
Cincinatti Insurance$1,550$1,673$3,223$2,696$52716%
Pennsylvania National Mutual$1,405$867$2,272$1,901$37116%
Shelter$2,634$3,103$5,737$4,844$89316%
Amica$4,349$2,444$6,793$5,749$1,04415%
Concord$846$928$1,774$1,510$26415%
Country$1,676$2,630$4,306$3,561$74515%
Union Mutual$1,086$998$2,084$1,770$31415%
South Carolina Farm Bureau$1,854$2,604$4,458$3,811$64715%
North Star Mutual$2,224$1,851$4,075$3,512$56314%
Mississippi Farm Bureau$1,863$2,577$4,440$3,840$60014%
Frankenmuth Insurance$2,282$1,485$3,767$3,274$49313%
American Farmers and Ranchers$1,926$3,526$5,452$4,812$64012%
Westfield$1,895$2,339$4,234$3,733$50112%
Rural Mutual$1,418$1,151$2,569$2,281$28811%
Western National$2,077$1,618$3,695$3,273$42211%
Meemic Insurance$2,146$1,138$3,284$2,941$34310%
Standard$1,587$1,492$3,079$2,760$31910%
American Select$1,357$1,346$2,703$2,450$2539%
Co-operative$1,075$1,321$2,396$2,187$2099%
Nodak Mutual$2,419$2,448$4,867$4,416$4519%
Umialik Insurance$1,513$1,373$2,886$2,633$2539%
West Bend Mutual$1,227$917$2,144$1,958$1869%
Farm Bureau of Idaho$1,980$714$2,694$2,467$2278%
Tennessee Farmers Mutual$1,371$2,320$3,691$3,378$3138%
Tradewind$1,670$594$2,264$2,087$1778%
Foremost$4,235$3,177$7,412$6,931$4816%
New Jersey Manufacturers Ins (NJM)$1,728$727$2,455$2,314$1416%
National General$1,649$1,506$3,155$3,007$1485%
Texas Farm Bureau Mutual$1,220$2,146$3,366$3,210$1565%
North Carolina Farm Bureau$1,128$1,640$2,768$2,681$873%

Best auto insurance company for full coverage, safe driver: Geico

Geico had the lowest average car insurance rate for drivers with good credit and a clean driving record who want a full coverage car insurance policy, which includes $100,000 in personal injury liability for those you injure in an accident you cause, up to $300,000 per accident, with $100,000 in property damage liability. That comes with comprehensive and collision coverage carrying a $500 deductible.

Best car insurance company for adding a teen driver to your policy: Progressive

Adding newly licensed or young drivers to your coverage will always hike insurance rates, (142% more, on average) but some insurance companies will increase insurance rates less than others.

Progressive had the cheapest insurance rate ($1,430) for a policy after adding a male driver age 16, compared to the other major carriers analyzed. Progressive also had the cheapest rate ($989) after adding a female driver age 16.

Best car insurance companies for young drivers: USAA, Liberty Mutual, Geico, Erie

USAA, Liberty Mutual, Geico and Erie had the cheapest rate for drivers age 18 buying their own full coverage policy, among the major insurers analyzed for car insurance for young adults. To find the cheapest car insurance company for driver in their teens, you can read our guide to insurance for drivers age 16, age 17, age 18 and age 19. For more information on young drivers, read our guide to coverage for drivers in their 20s.

Best car insurance companies for senior drivers: USAA, Erie and Geico

USAA had the lowest price for drivers age 75 with a full coverage policy ($957), but Erie was a close second ($968).

But USAA only serves active military members and their immediate family, and Erie insurance business is limited to 12 states.

For everyone else, Geico may be the best choice, with its average rate for senior drivers age 75 being $1,478.

Expert Tips for Finding the Best Auto Insurance Company

It can’t be stated enough that every household’s “best” car insurance will vary. Your needs are not the same as your neighbor or friends, though getting their recommendations is helpful, just like looking at our list.

Recommendations from our site, family members and others give you a starting point from which to find the best car insurance company for your specific needs.

Factors that car insurance companies consider when setting rates that are specific to you:

  • Types of cars you drive
  • Number of drivers in your household
  • Ages and driving experience of the drivers
  • Driving records of the drivers
  • Types of coverages, limits and deductibles you choose
  • Claims history
  • Location where vehicles are parked each night

Knowing the best car insurance companies for areas that concern you, such as customer service, and putting that together with average prices, gives you company names to start your comparison-shopping journey.

Have a list of at least three to five car insurance providers and start getting rates for your personal situation. Remember to check on items that are important to you, if that is having a great website and app, check those out before buying a policy. You'll also want to check financial strength ratings.

Knowing what coverages fit your needs is also part of the puzzle. Make certain your needs are taken care of by the coverages and your financial welfare is as well (tip: higher liability limits protect you immensely but don’t cost you much). Need a refresher on coverages – we have you covered, so to speak.

When reviewing the best car insurance companies, you’re in the driver’s seat. Researching how others were treated can help you feel more confident when you do pick the best car insurance company for you.

And remember, what fits your needs best today may change in a year or even six-months, so continue to shop around at renewal time or when you have a major life event, such as getting married.

What insurance companies offer you today that works may not tomorrow if your circumstances change.

The Basics of Getting the Best Car Insurance

The best car insurance for you depends on your particular situation, but it's almost always true that buying as much car insurance as you can afford is the safest way to ensure you have sufficient coverage that won't leave you financially at risk.

Minimum coverage insurance policies are rarely recommended. That's because even a minor accident can cause damage that exceeds that of minimum coverage insurance policies, leaving you to pay the difference.

Consider the following when insurance shopping:

  • The average rate for state minimum coverage is $574.
  • The average rate for 50/100/50 is $644.
  • The average rate for 100/300/100, with comprehensive and collision and a $500 deductible is $1,758.
  • Bumping state minimum coverage up to 50/100/50 costs just $70, so it’s just about $6 a month -- which is super cheap.
  • Going to 100/300/100 from 50/100/50 costs $1,114, so about $93 a month, to double your liability protection.

These rates are for drivers with a good credit score and clean driving records.

If your goal is getting the best cheap car insurance rather than just the state required minimum coverage you need to drive legally, when you shop around for an auto insurance policy make sure you:

  • Buy enough property damage liability and bodily injury liability coverage. You personally are responsible for the costs of injuries and damage you do to others. Liability insurance covers that to a point. A homeowner with a family and any assets need at least $100,000 in bodily injury liability coverage if he or she injures another driver. And you should buy enough property damage liability insurance to replace the car you hit. Most experts say that need is at least $50,000. Liability coverage is required to drive legally in most all states. Bodily injury liability and property damage liability limits vary by state.
  • Before settling on your coverage and company, you should research car insurance in your state, since different states have different laws that affect you and the amount of coverage required.
  • Don’t worry about ultra-low deductibles. Higher deductibles on certain coverages -- comprehensive coverage and collision coverage -- will lower your premium. Just be sure you have some savings on hand to pay the higher deductible if you have to file a claim.
  • Double-check your own health insurance. If you don’t have health insurance or you have a high-deductible health insurance plan, you may need to consider medical payments or first-party benefits. These types of car insurance also protect your passengers, who would not be covered under your bodily injury liability coverage.
  • Assume that other drivers are unprepared. About 15 percent of drivers aren’t insured at all, and many of the rest have policies that meet only state-minimum requirements. Uninsured and underinsured motorist bodily injury coverages can make up the difference.
  • Protect your car with comprehensive coverage and collision coverage. Collision coverage and comprehensive coverage pay for damage to your vehicle, unlike property damage liability that only covers other people’s property that you damage. Collision coverage pays out if your vehicle hits, or is hit by, another vehicle or object, regardless of fault. Comprehensive coverage is for damage to your car from situations that are normally not your fault. Theft, fire, vandalism, striking an animal and damage sustained from acts of nature like hail or flooding are all types of damage comprehensive coverage pays for. Comprehensive coverage and collision coverage are fairly affordable, so unless your car is more than 10 years old and not worth much, it's wise to include them on your auto insurance policy.
  • Keep your income in mind. If you are injured in an accident that is your fault, your car
  • insurance won’t make up for any lost income unless you have work loss or similar coverage.
  • Consider your life insurance situation. Accidental death benefit pays in the event of an accident that leads to your death or that of another family member.
  • Decide if your situation requires the extras. Gap insurance, for example, is needed only if you owe more on a loan than the car is worth. Towing and labor might be a waste on a newer car with a warranty and road service plan, but roadside assistance may be a lifesaver if you have an older car. And rental car reimbursement might be handy if your family has only one car, but unnecessary if you have a spare car to use if yours is out of commission.
  • Research driver discounts. Find an insurance provider that offers the most driver discounts that match up to your driver profile. For instance, if there are college students in your family, finding an auto insurer who offers price breaks for students will save money on your coverage.
  • Check the financial strength rating. Be sure that the insurance companies you're considering are financially sound enough to be able to pay their claims.
  • Check complaint filings. The National Association of Insurance Commissioners website has tool that lets you research complaint filings by state and company. The complaint data is gathered from the National Association of Insurance Commissioners Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have fewer complaints) than the national average.
  • Shop around. Coverage options vary among car insurance companies. One may offer accident forgiveness, but another may not. Decide what types of car insurance you want, find car insurance companies that suit your needs, and then compare quotes to get the best price. Before you lock in an insurance policy, be sure you compare insurance quotes from at least three companies and for the same level of car insurance coverage.