Here are the best car insurance companies of 2025:
After thoroughly evaluating over 50 of the nation’s auto insurers, NerdWallet’s editorial team has put together a list of the best car insurance companies. We based our ratings on important factors like coverage and discount options, affordability, customer satisfaction and financial strength ratings.
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The 5 best car insurance companies
Here’s our list of the best auto insurance companies for each category, plus their average rates and what makes them the best.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fair, unbiased and accurate information so you can choose the best insurance company for you. These company ratings are specific to auto insurance — a company’s rating for other types of insurance may be different on our site.See our criteria for how we evaluate auto insurance companies.
How NerdWallet chose the best car insurance companies
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies. As we continue to evaluate more insurance companies and receive fresh market data, this collection of best auto insurance companies is likely to change.
Here are the categories we evaluated each car insurance company on, plus the weights we placed on each:
Financial strength (30%). The best auto insurers are financially stable. Financial strength ratings indicate an insurer’s ability to pay future claims. This category is based on assessments from independent agencies like AM Best, Moody’s and Fitch.
Consumer complaints (30%). The best car insurance companies have a low number of customer complaints relative to their size and are able to keep their customers happy. This category is based on complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners.
Ease of use (20%). The best auto insurers provide the information people need to make a purchase without any surprises along the way. This category is based on how easy it is to get quotes, file and track claims, learn about coverage and payment options, plus mobile app ratings.
Affordability (20%). The best auto insurance companies offer multiple ways to get a lower price, and this category is based on how many discounts a company offers.
Travelers
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Received fewer customer complaints than expected for auto insurance.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Rideshare insurance is not available in all states.
With few customer complaints and a great set of discounts and coverage options to choose from, Travelers is an all-around good choice for drivers seeking customizability from a financially strong insurer.
Travelers
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Received fewer customer complaints than expected for auto insurance.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Rideshare insurance is not available in all states.
With few customer complaints and a great set of discounts and coverage options to choose from, Travelers is an all-around good choice for drivers seeking customizability from a financially strong insurer.
Full coverage cost per year, on average
$1,768
Full coverage cost per month, on average
$147
Minimum coverage cost per month, on average
$45
Why it’s the best:
Travelers tops our list as the company with the best overall score out of the insurers we ranked. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
You can get all the standard auto coverage options from Travelers, along with extras like new car replacement coverage and gap insurance, both of which are useful if you drive a relatively new vehicle. Travelers also offers a host of car insurance discounts.
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Auto-Owners
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Offers a wide variety of products with the opportunity to bundle.
Fewer complaints than expected for auto insurance.
Only available in 26 states.
Online quotes aren’t available.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and superior financial strength.
Auto-Owners
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Offers a wide variety of products with the opportunity to bundle.
Fewer complaints than expected for auto insurance.
Only available in 26 states.
Online quotes aren’t available.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and superior financial strength.
Full coverage cost per year, on average
$1,851
Full coverage cost per month, on average
$154
Minimum coverage cost per month, on average
$37
Why it’s the best:
Auto-Owners is the best car insurance company when it comes to your wallet. According to our analysis, Auto-Owners’ average rate for minimum coverage insurance is $447 per year, the lowest among the best car insurance companies on our list.
Beyond its affordability, this insurer stands out for its wide variety of coverage options and opportunities to bundle policies.
State Farm
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
Doesn’t offer gap insurance.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
State Farm
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
Doesn’t offer gap insurance.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Full coverage cost per year, on average
$2,291
Full coverage cost per month, on average
$191
Minimum coverage cost per month, on average
$45
Why it’s the best:
Out of NerdWallet’s top-rated companies, State Farm’s mobile apps have the highest scores on both the Apple App store and Google Play Store. If you prefer online interactions over having to call your insurer, you may benefit from State Farm’s comprehensive app. Drivers can use the app to file and track claims, request roadside assistance and manage their policy.
As of February 2025, State Farm had a 4.5 rating in the Google Play Store and a 4.8 in the Apple App Store.
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Best for Customer Satisfaction
American Family
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Fewer customer complaints than expected for a company its size for auto and life insurance.
Many coverage types offered.
Wide range of discounts.
Not available in all states.
American Family offers a long list of insurance discounts, and it receives fewer consumer complaints than expected for a company of its size.
Best for Customer Satisfaction
American Family
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Fewer customer complaints than expected for a company its size for auto and life insurance.
Many coverage types offered.
Wide range of discounts.
Not available in all states.
American Family offers a long list of insurance discounts, and it receives fewer consumer complaints than expected for a company of its size.
Full coverage cost per year, on average
$2,132
Full coverage cost per month, on average
$178
Minimum coverage cost per month, on average
$56
Why it’s the best:
American Family received the lowest number of customer complaints to state regulators relative to a company of its size among the companies in this list. This insurer stands out thanks to its wide variety of coverage options and discounts, as well as its accident forgiveness offerings.
American Family ranked No. 3 among 17 large insurers in J.D. Power’s 2024 U.S. Insurance Shopping Study, the highest ranking among NerdWallet’s 5-star rated companies.
Best for Military members
USAA
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
USAA offers insurance to active military, veterans and their families only.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
High customer satisfaction ratings.
One-stop shop for insurance as well as banking and investing products.
Policies available in all states and Washington, D.C.
Available to active military, veterans and their families only.
USAA offers competitive car insurance rates, high customer satisfaction and military-specific perks, such as a discount for storing your car on base.
Best for Military members
USAA
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
USAA offers insurance to active military, veterans and their families only.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
High customer satisfaction ratings.
One-stop shop for insurance as well as banking and investing products.
Policies available in all states and Washington, D.C.
Available to active military, veterans and their families only.
USAA offers competitive car insurance rates, high customer satisfaction and military-specific perks, such as a discount for storing your car on base.
Full coverage cost per year, on average
$1,456
Full coverage cost per month, on average
$121
Minimum coverage cost per month, on average
$31
Why it’s the best:
USAA is the top auto insurance company for military members. The company has relatively low insurance rates and provides other financial solutions for qualifying customers, such as banking and investment products. USAA has high customer satisfaction ratings and offers a discount for storing your car on a military base.
Because it’s only available to active military members, veterans and their families, USAA was not compared against other companies for all categories.
🤓Nerdy Tip
Did your premium go up? You’re not alone. The best car insurance companies are often among the cheapest, so compare quotes from a few of our top picks to see if you can get a better rate.
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Best car insurance companies: Honorable mentions
If you’re looking for even more options, here’s a list of other top-tier car insurers that earned a NerdWallet star rating of 4.5. While these companies didn’t win in any of our “best of” categories like our 5-star rated companies above, they represent well-rounded options worthy of consideration.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
The best car insurance companies according to Reddit users
Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like auto insurance, so we sifted through Reddit forums to get a pulse check on how users feel about insurers. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Everyone has different financial priorities and unique characteristics, so one insurer won’t be the best for all drivers. Others’ experiences can be valuable to get a picture of what you might expect from different insurers.
Some Reddit users called out USAA as offering the best auto insurance. One cited the company’s “top-notch” claims service and coverage for original equipment manufacturer, or OEM, parts for newer model repairs. It’s important to note that USAA car insurance is only available to active military, veterans and their families. Additionally, our research at NerdWallet has found that several companies offer OEM parts in claim repairs, but it is wise to ask your agent or check the quote details before you buy.
Another Reddit user said Geico offers quick response times when calling their representatives or filing a claim. Like so many things auto-insurance related, this and other customer service practices can vary depending on your state.
According to another Redditor, Progressive stands out because the company was easy to work with and offered him the cheapest rate and fair payouts when he filed claims for two accidents where he was not at fault. His experience is a good reminder to shop around after filing claims and receiving payouts, when rates are most likely to increase.
However, the general consensus among Redditors is that you’ll find the best car insurance by comparing quotes from different insurers and evaluating the amount of coverage you need.
See what you could save on car insurance
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Best car insurance companies by state
Car insurance company availability and their offerings can vary widely between states, so the best insurance companies nationwide might not be the best for you. Smaller, local insurers may offer better customer service and more affordable rates than larger, widely available insurers, which is why it’s worth shopping beyond the country’s most popular insurers.
NerdWallet analyzed the auto insurance offerings available in different states to put together the best car insurance companies in 15 states in terms of four different categories: Best overall star rating, budget pick, best for customer satisfaction, and best for ease of use.
Find the best car insurance companies in your state below.
Best car insurance companies in:
Best car insurance companies in:
Every insurer has its own unique way of pricing rates, not to mention its own coverage options and discounts. While a sibling or a neighbor might recommend a specific insurance company, you’re going to be better off if you compare car insurance quotes from a few companies and then pick the best fit for your situation.
Drew Gula, lead writer on Insurance
Policies aren’t always the same, so check the details to decide which company is best for you. When I recently compared quotes, one company offered a rate lock and a lower deductible if I stayed claims-free. The other had a discount for safe driving and the option to choose new car replacement coverage. Which is best? It depends on your priorities.
Lisa Green, assigning editor for Insurance
How to find the best car insurance for you
While our best car insurance company winners can serve as a jumping off point in your quest for the best policy, everyone’s needs and circumstances are different.
Shop around. Price is a key consideration for many people, especially with car insurance rates on the rise. Pricing is based on many factors like your age, location, vehicle and driving history. Because every insurance company weighs these factors differently, it’s best to shop around for car insurance quotes to find the cheapest option.
Check for complaints. Most people don’t deal with their insurance company until they need to file a claim. Read NerdWallet’s guide on how to find complaints about insurance companies in your area and other information before you sign on the dotted line.
Consider smaller insurance companies. Small car insurance companies offer prices well below those of large competitors in many locations, and can often provide a better customer experience, too.
Shop strategically. If you’ve gotten a speeding ticket, DUI or other violation recently, be sure to shop three to five years after the incident, when surcharges can drop significantly.
Check your coverage. Ask your agent or a customer service representative if you’re getting the coverage you need so that you’re not under or over-insured. Use the tool below to learn about the different auto insurance coverage types.
