Compare auto insurance rates and reviews from the top-rated and most reliable companies. Our expert rankings and unbiased research save you time and money when searching for the lowest premiums. Although price, coverage, and customer-service are important considerations, many additional factors help determine which car insurance is the cheapest option for the vehicles you own. You can also view our consumer reporting on the best and worst carriers in several statistical categories.
Whether you are on a strict budget, need luxury vehicle coverage, or have too many speeding tickets to count, we show you several companies that offer affordable rates, and coverage that precisely matches your unique needs. Our free quote engine at the top of the page instantly shows you the best carrier options in your area. Regardless if you are uninsured, or have been with the same company for more than 20 years, lowering your premium may be just a click away. Both high-risk and preferred options are shown.
Below, in alphabetical order, we have reviewed and listed the top car insurance companies in the US. Most carriers offer additional ancillary lines of business, including coverage for primary residences, rental and investment property, motorcycles, snowmobiles, RVs, antique and classic vehicles, commercial risks, personal excess liability umbrellas, mobile homes, and motor homes.
AAA -- The American Automobile Association (better known as "AAA) was created in 1902 to help drivers with their highway needs. Currently, it consists of more than 40 Clubs that service their regional area. More than 50 million drivers are serviced, and surprisingly, their auto insurance rates are extremely competitive in many areas of the country. However, their portfolio of products is significantly less than many other carriers, although home and life products are available. They are highly rated ("A" by A.M. Best Company) and have been offering benefits for more than 100 years. And of course, towing coverage is included on all of their policies.
Allstate -- One of the nation's largest property and casualty insurers with owner-operated offices in every state. Rates are typically competitive with most other carriers, and additional lines of business are available, including business, investment, and supplementary health coverage. "My Offers" is an additional perk that offers discounts to Angie's List, Pella, Budget, Avis, Capital One, LegalShield, and many other companies. Roadside service and experienced customer-service are standard. As they say, you're in "good hands" with Allstate.
American Family -- Available in 19 states, and expanding, American Family offers traditional products along with business, health, farm and ranch, umbrella, and business products. Agents are typically captive like many other companies, so multiple quotes from competing carriers may not be offered. Currently in only 19 states, American Family hopes to find additional areas to offer business.
Amica Mutual -- Amica is the nation's oldest mutual car insurance company. Founded in 1907, their home office is located in Rhode Island, and they currently have more than $5 billion in assets. Customer service awards are often given to this carrier for their handling of both auto and home policies and claims. The Life company offers direct life products, while the General Agency offers specialized products in California and Nevada. Structured Settlement and Wedding and Private Event coverage is also offered.
Auto-Owners -- Another Fortune 500 company that you may not be familiar with. Based in Michigan, they write more than $6 billion in premiums each year, and are a favorite of many Independent Agents. This group actually consists of five companies that specialize in property and casualty products, and a single carrier that offers life and health products.
Country Financial PC Group -- In 1925, they began operations by selling fire and lightening insurance. Today, they have added car coverage along with many other products, including business, farms, annuities, life insurance, and 529 College Savings Plans. Most of their policies are issued by their four subsidiaries -- Country Mutual Insurance, Country Life Insurance, Country Management Company, and Country Trust Bank.
Erie -- Who? Erie Insurance Company in Pennsylvania. If you are not familiar with this carrier, it's not because you missed their advertising, because they rarely advertise! However, apparently, the money they save helps reduce prices because in many major Metropolitan areas, their rates are very low. Amazingly, they have writing policies since 1925, and operate in 12 states. They also offer life and retirement products.
Esurance -- Part of the Allstate family, Esurance conducts its business online. There are no physical offices to visit, and no administrative buildings that serve the public. Although the concept is different, in several areas of selected states, prices are quite attractive. Because of the Allstate affiliation, many additional products are offered, including coverage for your home, condo, rental property, boat, travel trailer, snowmobile, golf cart and ATV. However, if you prefer a person-to-person relationship with your agent, Esurance is not a good fit.
Farmers -- Since 1928, Farmers has provided personalized and community-based auto insurance in the US. Agents own and operate their own offices, and typically, the locations are embedded inside the community they serve. The company now is multi-line and consists of many operating companies. Included in their portfolio is Foremost, who provides specialty products, such as motor homes, mobile homes, and travel trailers, and Bristol West, who offers liability and physical damage. 21st Century is also a subsidiary that markets policies online.
Geico (Berkshire Hathaway) -- Government Employees insurance Company. Yes, that's what "GEICO" stands for. Originally, government employees accounted for the bulk of their business. However, that trend has changed, and now, anyone can obtain coverage, assuming they meet the product guidelines. in addition to covering more than 20 million vehicles, Geico is now owned by Warren Buffet's Berkshire Hathaway and receives high ratings from A.M. Best Company, Moody's, and Standard And Poor's. Additional lines of business include homeowner's, motorcycle, RV, ATV, life insurance, overseas insurance, and commercial liability protection.
Hartford -- Hartford has been writing policies for more than 200 years. It began in 1810 with a small fire insurance company, and has grown into one of the industry's most respected multi-line carriers. They have been voted "one of the world's most ethical companies" eight of the last nine years, and offer auto, home, business, employee business, annuities, and mutual funds to its customers.
AARP auto insurance is underwritten by Hartford, and rates are guaranteed for 12 months, instead of the standard 6 months. Policies are guaranteed to be renewed for your lifetime, and new-care replacement benefits eliminate depreciation for the first 15,000 miles (or 15 months) after purchase. Typically, customer-satisfaction rates very highly compared to their competition.
Infinity Property And Casualty -- No, not the luxury car manufacturer. Infinity P&C, based in Alabama, wrote their first policy more than 50 years ago. prices are attractive in most of the areas they service, and major Rating Agencies (A.M. Best, Moody's, and Standard & Poor's) consider them an "A" risk. More than 12,000 Independent Agencies market their products and provide front-line service. A separate Drivers Club and life insurance products are also offered.
Liberty Mutual -- As the second biggest property and casualty insurance carrier in the US, Liberty Mutual is still a mutual company, and therefore owned by its policyholders. The company substantially increased its market share with the acquisition of Safeco in 2008. The Liberty Mutual brand is further enhanced by its popular commercials, which rival Progressive and Geico for the top spot in the commercial sweepstakes. Several large subsidies include American Fire And Casualty, Golden eagle Insurance, Indiana Insurance, Ohio Casualty, and West American.
MAPFRE -- Located in Webster, Massachusetts, most Americans have never heard of this carrier. MAPFRE is the largest non-commercial property and casualty company in Massachusetts, but they also offer coverage in 19 states, mainly through independent agents, as opposed to online. Some of their subsidiaries include Commerce Insurance, Citation Insurance, and Commerce West Insurance. The 19 states of coverage are located mainly in the East, Mideast, and West.
Mercury -- Mercury is a NYSE company that began offering coverage in 1962. They have their largest market share in California, but also underwrite policies in Virginia, Texas, Oklahoma, New York, New Jersey, Nevada, Illinois, Georgia, Florida, and Arizona. They are also one of the few carriers that offers "mechanical breakdown" coverage. Independent brokers offer Mercury policies, which also include home, condo, renters, umbrella, and business options.
MetLife -- The ex-Snoopy company is not just the nation's biggest life insurer any more. For more than 40 years, Met has offered auto and home products in many areas of the country. Their Group payroll book of business is very popular with large and small companies. Although the captive agent workforce has now been eliminated, policies can still be purchased through independent brokers.
Auto prices are typically attractive, but home rates can be a bit pricey in many states. Metropolitan Direct is a subsidiary that is used in many states. In selected areas, they offer the cheapest high risk car insurance rates. However, in most of the US, their prices are most competitive for preferred drivers.
National General -- Formerly GMAC Insurance, National General is based in North Carolina and has been writing policies for more than 90 years. Motors Insurance, and Integon were the original companies that offered coverage to GMAC customers that financed their vehicles. In addition to the standard products, RV, ATV, replicas, antique and classic vehicles, fire trucks, street rods, and commercial products are very competitively-priced offerings. And yes, they also offer health insurance!
Nationwide -- Yes, they are on your side. Like Progressive, they are based in Ohio, and started in 1925 as the Ohio Farm Bureau Mutual Federation. A Fortune 500 Company, Nationwide specializes in personal auto and home coverage, and is the parent company of Victoria, Allied, and Titan. Like many captive companies, policies are typically purchased from local agents that represent only Nationwide and its affiliated companies. For that reason, shopping additional carriers is recommended, although typically, their rates are attractive.
Progressive -- Flo and her company are based in Ohio, and have transformed the one-time high-risk only carrier to one of the leading carriers in the US. They are credited with having the first drive-in claims office, and new innovations continue with their "Name Your Price" and "Snapshot" programs. Also, built-in discounts help to reduce rates for most drivers, unless there are major violations, such as a DUI or DWI. Although they originally started small by offering only policies in Ohio, they have rapidly become one of the biggest "players" in the industry.
State Farm -- Since 1922, State Farm has grown to become the largest US auto insurance company. 18,000 agents and brokers are available in offices throughout every state to offer individual and business coverage. Since SF agents are "captive," all of the products you view will be State Farm products, instead of a combination of many carriers. For that reason, we recommend additional shopping after receiving their quote. In addition to vehicle, property, and casualty coverage, life, banking, disability, and investment products are offered.
Travelers -- Incredibly, Travelers was founded more than 160 years ago. As the only property and casualty insurer in the Dow Jones Index, this innovative carrier was also the first company to offer space travel and hybrid car discounts. Unlike most other carriers, Travelers writes a substantial amount of commercial policies (second-most in the US) along with various bond and specialty products that serve specific markets. policies are available through our website and/or independent agents.
USAA -- 9 out of 10 members never change to another company, and it's easy to understand why. Rates are typically very competitive, claims are handled quickly and efficiently, and underwriting guidelines for current members are fairly liberal. Body shops also enjoy doing business with USAA customers. Renewals are guaranteed (some requirements are applicable) and policies are available in most areas. Of course, you must be a member of a Military family or their family to obtain a policy.