10 Best Car Insurance Companies in 2026
Amica, Nationwide, and USAA are the best car insurance companies. These top three auto insurance companies have the highest claims satisfaction ratings and competitive safe driver discounts up to 20%. Military members get the best cheap car insurance rates, starting at $32 per month with USAA.
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Published Insurance Expert
Melanie Musson, a published insurance expert, is the fourth generation in her family to work in the insurance industry. Over the past two decades, she has gained in-depth knowledge of state-specific insurance laws and how insurance fits into every person’s life, from budgets to coverage levels. She specializes in autonomous technology, real estate, home security, consumer analyses, investing, di...
Melanie Musson
Senior Director of Content
Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
Updated February 2026
Amica, Nationwide, and USAA are the best car insurance companies. State Farm is the top pick for excellent customer service and tailored policies for young drivers.
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Amica rewards policyholders with annual dividends regardless of driving record, and USAA has the best car insurance for military members, starting at $65 per month.
Our Top 10 Picks: Best Car Insurance Companies| Company | Rank | Claims Satisfaction | A.M. Best | Best for | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 746 / 1,000 | A+ | Customer Service | Amica |
 | #2 | 728 / 1,000 | A+ | Coverage Variety | Nationwide |
 | #3 | 726 / 1,000 | A++ | Military Drivers | USAA |
 | #4 | 717 / 1,000 | A | New Cars | Liberty Mutual |
 | #5 | 710 / 1,000 | A++ | Young Drivers | State Farm |
 | #6 | 706 / 1,000 | A | Rideshare & Delivery | Farmers |
 | #7 | 692 / 1,000 | A++ | Discounts | Geico |
 | #8 | 691 / 1,000 | A+ | Accident Forgiveness | Allstate |
 | #9 | 684 / 1,000 | A++ | Hybrid Vehicles | Travelers |
 | #10 | 672 / 1,000 | A+ | Online Tools | Progressive |
Finding the best auto insurance for you depends on your driving history and whether you need liability vs. full coverage insurance. Compare the top 10 auto insurance companies now to find the right provider.
- Amica is the top pick for high customer satisfaction ratings
- USAA and Geico are the cheapest car insurance companies
- Amica also has the biggest multi-policy discount of 30%
Get the right car insurance at the best price by entering your ZIP code and shopping for coverage from the top insurance companies in your state.
Compare the Best Car Insurance Rates by Company
USAA has the lowest monthly car insurance rates of the providers in our ranking, starting at $32 per month for liability insurance coverage.
However, USAA only sells coverage to military members, making Geico and State Farm the best auto insurance companies with low rates for most drivers.
Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $65 | $215 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
| $63 | $164 |
 | $56 | $150 |
| $47 | $123 |
| $53 | $141 |
| $32 | $84 |
Full coverage usually costs more since it offers more protection. However, USAA and Geico are the cheapest options, starting at just $84 a month.
Full coverage bundles liability, collision, and comprehensive insurance, protecting you for damages you cause to others and repairs to your own car.
So, it’s important to consider your coverage needs before buying a policy. Check out our review of State Farm vs. Farmers, Geico, Progressive, and Allstate auto insurance for a closer comparison.
You’ll also find rates vary by factors like age and gender. Insurers often see younger drivers as higher risk, while men are statistically more likely to get in accidents.
Depending on your driving history, the best auto insurance for good drivers may not be the right fit for someone with accidents or DUIs on their record.
All insurance companies weigh risk differently, so the cheapest option for one driver may be more expensive for another.
Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $87 | $103 | $124 | $152 |
| $65 | $81 | $99 | $123 |
| $76 | $95 | $109 | $178 |
| $43 | $56 | $71 | $129 |
| $96 | $116 | $129 | $178 |
| $63 | $75 | $88 | $112 |
| $56 | $74 | $98 | $75 |
| $47 | $53 | $57 | $65 |
| $53 | $72 | $76 | $123 |
| $32 | $36 | $42 | $58 |
State Farm and USAA have the best car insurance after a speeding ticket, accident, or DUI, followed by Progressive.
Geico remains competitive, but drivers with a DUI conviction pay three times as much as drivers with a clean driving record.
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Best Car Insurance Companies by State
Rates and coverage options vary by location, so the top car insurance companies in the U.S. may be different from the best in your state.
In some areas, smaller regional companies may provide lower rates or deliver better service than well-known national providers.
For example, The Hanover offers coverage in various states across the Northeast and Midwest. They’re best known in Massachusetts, where the company was founded.
At Quote.com, we ranked the best car insurance providers in each state. See which ones stand out for coverage and value in your state:
Site Links by State
Frequently Asked Questions
Who are the best car insurance companies?
The top auto insurance companies are State Farm, Amica, and USAA. Top-rated auto insurance companies typically offer competitive rates, valuable features like roadside assistance and accident forgiveness, and exceptional customer service.
How much does car insurance cost?
Car insurance costs as low as $32 per month for liability coverage, while full coverage starts at $84 a month.
Who is the cheapest car insurance company?
USAA offers the best cheap auto insurance at $32 per month, but eligibility is limited to military members.
For all drivers, Geico is the most affordable, starting at $43 per month. Check out our Geico insurance review to see if it’s the right choice for you.
How much car insurance do you need?
All states except New Hampshire require car insurance coverage, but the exact amount depends on your state’s minimum requirements, the value of your car, and personal needs. While it’s essential to meet legal minimums, consider higher limits and optional coverages for better protection.
Learn More: How to Buy Auto Insurance
How do I find the best car insurance?
To find the best auto insurance quotes, use online comparison tools that allow you to compare policies from various auto insurance companies based on your specific driving profile and coverage needs. See if you’re getting the best deal on car insurance by entering your ZIP code.
How can I lower my car insurance rates?
To reduce your average cost per month for car insurance, look for discounts such as multi-car, good driver, and loyalty discounts.
Why should you compare auto insurance companies before buying?
Comparing auto insurance companies helps ensure that you receive the most comprehensive coverage at the most competitive rate. It also allows you to assess the service quality and customer satisfaction levels of different insurers.
What factors affect car insurance rates?
The average monthly car insurance rate is influenced by factors such as the driver’s age, driving history, the type of vehicle insured, geographical location, and the level of coverage. If your rates are high, compare quotes from the cheapest car insurance companies here.
Who is cheaper: Geico or Progressive?
Geico is usually cheaper, with rates starting at $43 per month compared to Progressive’s $54
Read More: Progressive Auto Insurance Review
While Progressive may offer lower rates for high-risk drivers, most shoppers will find Geico has the best auto insurance for good drivers.
Is State Farm cheaper than Geico?
State Farm and Geico compete for the cheapest rates in most states, but Geico is typically cheaper on average at $43 per month compared to State Farm’s $47 monthly rate.
Who are the best car insurance companies for high-risk drivers?
Who are the best car insurance companies according to Reddit?
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