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Car insurance is a non-negotiable part of driving, and you probably already know the importance of finding the best auto insurance for your needs. But the best auto insurance companies will be different for every type of driver.
Whether you’re looking to save money, have an excellent customer experience, or personalize your coverage, the best company for you may depend on factors like age, driving record, military status, and ZIP code.
We’ve compiled this list of top insurance options to help you find the best auto insurance company for your specific circumstances.
- GEICO, Allstate, and State Farm are our top-rated insurers of 2024, but there’s not one company that’s best for every driver.
- The level of coverage you need can affect how much you pay for your auto insurance.
- People with DUIs, tickets, or accidents on their records will pay the highest auto insurance premiums — but several companies specialize in high-risk drivers.
Compare.com’s Best Car Insurance Companies of 2024
Just as no two drivers have the exact same driving history, no two insurance companies will be the best fit for every driver. Not only do some insurers specialize in certain types of drivers or coverage, but each driver’s unique circumstances can affect the quotes they receive from insurance companies.
In order to choose the best car insurance companies of 2024, we analyzed the average rates, customer satisfaction scores, available discounts, bundling options, customer service availability, purchasing process, and claims procedures to formulate the Compare.com Ratings you see below.
Using these ratings, we found that the following 10 insurance companies are the best options for drivers in a variety of circumstances.
|Average Monthly Premium
|Drivers with DUIs
|Spotty driving records
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GEICO: Best for Affordable Coverage
Compare.com Rating: 4.65
Average Monthly Quote: $70
- Wide variety of insurance products
- Affordable rates for high-risk drivers
- Highly rated mobile app
- Limited discounts
- Doesn’t offer gap insurance
- Few local agents
If you’re looking for lower rates, it may be a good idea to get a quote from GEICO, which offers the cheapest national average rates of any insurance company.
But the low cost may come with less satisfactory customer service. J.D. Power gives GEICO a customer satisfaction score of 874 (out of 1,000) — only one point above the industry average of 873. Additionally, the NAIC reports that GEICO has a company complaint index of 1.21, which is significantly higher than the national average of 1.0.
Read more: GEICO Auto Insurance Review
Allstate: Best for Discounts
Compare.com Rating: 4.63
Average Monthly Quote: $155
- Broad selection of coverage options
- Investment and retirement offerings
- Available in all 50 states
- Potential issues with Drivewise and Milewise mobile apps
- High volume of customer service complaints
- Reportedly slow, frustrating claims process
With 40 distinct discounts, Allstate offers drivers the most possible ways to lower their auto insurance premiums. Discounts include savings for purchasing multiple policies, driving a new car, being a good student, and going paperless.
Allstate also scored well in the J.D. Power customer satisfaction study, with a score of 889. Unfortunately, Allstate receives nearly two-and-a-half times the number of complaints compared to the industry average, with an NAIC complaint score of 2.42.
Read more: Allstate Auto Insurance Review
State Farm: Best for Drivers with DUIs
Compare.com Rating: 4.30
Average Monthly Quote: $86
- Among the best customer service satisfaction in the industry
- 24/7 claims service with large repair network
- Lots of available discounts
- High rates for high-risk drivers
- Limited coverage options
- More customer complaints than average
Drivers often find it difficult to find affordable insurance after a DUI conviction. But with an average monthly cost of $85, State Farm has the cheapest average liability policy rates for drivers with a DUI.
State Farm also has a higher-than-average J.D. Power customer service satisfaction rating, scoring 882 on a scale of 1,000. However, it has an NAIC complaint rating of 1.48, which is higher than the national average.
Read more: State Farm Auto Insurance Review
Progressive: Best for Spotty Driving Records
Compare.com Rating: 4.20
Average Monthly Quote: $109
- Great discount programs
- Snapshot can save drivers as much as 30%
- 24/7 customer service and claims availability
- Higher rates that other large insurers
- Vague loyalty program requirements
- Snapshot mobile app issues
Having a less-than-perfect driving history can result in higher premiums. If you have traffic citations, accidents, or other moving violations on your driving record, you may want to get a quote from Progressive. This popular company used to specialize in non-standard policies for high-risk drivers, and Progressive still offers affordable rates for drivers with tickets, accidents, and DUIs.
Customer satisfaction with Progressive is below average, however, and the company scored an 861 with J.D. Power on that measure — significantly lower than the industry average of 873. The company also has a higher-than-average number of complaints, with an NAIC complaint rating of 1.46.
Read more: Progressive Auto Insurance Review
SafeAuto: Best for Bad Credit
Compare.com Rating: 4.15
Average Monthly Quote: $136
- Affordable full-coverage rates
- Plenty of discounts
- Solid online tools and mobile app
- Higher-than-average number of customer complaints
- Actual discount amounts unknown
- Difficult-to-navigate website
With the exception of insurance companies in California, Hawaii, Massachusetts, and Michigan, auto insurers may use a driver’s credit score as a factor in determining premium rates. But SafeAuto is the best auto insurance company for drivers with bad credit because it offers some of the most affordable rates for drivers with “poor” credit (a FICO score of 600 or below). Such drivers pay an average of just $107 per month for liability policies.
SafeAuto isn’t ranked by J.D. Power, and consumers should be aware of SafeAuto’s complaint rating of 14.25 with the NAIC. This means the company receives more than 14 times as many complaints as the national average.
Read more: SafeAuto Insurance Review
Hugo: Best for Flexible Coverage
Compare.com Rating: 4.10
Average Monthly Quote: $193
- Get coverage for as little as three days
- Turn coverage on and off as needed
- Same-day policies with no down payment
- No SR-22 insurance
- Higher rates for drivers with spotty records
- Full-coverage policies available only in IL and CA
Drivers who spend very little time behind the wheel can sometimes struggle to find the kind of coverage that fits their minimal needs. Hugo’s “Flex Plan” allows drivers to pay for as little as three days at a time and turn coverage on or off as needed, meaning you don’t have to pay for coverage you don’t need.
J.D. Power doesn’t currently rank Hugo, and the company is underwritten by Aspire General Insurance Company, which has an NAIC complaint index rating of 9.29. That said, Hugo is a relatively new company, first launching in 2021, so some early kinks are to be expected.
Read more: Hugo Insurance Review
Farmers: Best for Personalized Service
Compare.com Rating: 4.08
Average Monthly Quote: $154
- Lots of coverage options
- Plenty of discounts and bundling opportunities
- Local agents
- Above-average premiums
- Telematics can raise rates
- Doesn’t offer coverage in all 50 states
Drivers looking to work with an insurance agent may want to check out Farmers. This company has a large network of local insurance agents, which means you can count on more personalized service than an online-only insurer can offer.
Farmers also boasts a higher-than-average customer service rating from J.D. Power, with a score of 882. This company also reports fewer complaints compared to the national average, according to the NAIC. Farmers has a complaint index score of 0.79, which means it has over 20% fewer complaints than average (and among the fewest of any company on this list).
Read more: Farmers Insurance Review
Travelers: Best for Maximum Coverage
Compare.com Rating: 3.98
Average Monthly Quote: $128
- Very few customer complaints
- Low average costs for full-coverage policies
- Offers accident forgiveness
- Low customer satisfaction scores
- Higher-than-average rates for basic liability coverage
- Not available in all 50 states
Drivers who want maximum coverage to protect them against more potential losses don’t want to pay maximum premiums. Travelers is the best auto insurance policy for drivers who want or need full-coverage auto insurance since it offers competitive rates on full-coverage policies — averaging $171 per month.
That said, Travelers has a low J.D. Power customer satisfaction score of 854 — nearly 20 points below the industry average. However, this company has a very low NAIC complaint index rating, with a score of 0.31, meaning it has nearly 70% fewer complaints than the national average.
Read more: Travelers Insurance
Liberty Mutual: Best for Basic Coverage
Compare.com Rating: 3.95
Average Monthly Quote: $112
- Competitive rates and plenty of discounts
- RightTrack program can help good drivers save money
- Lots of information about coverage details
- Mixed customer service reviews
- Long and frustrating claims process reported by customers
- Technical issues with quote process
Drivers who only want the minimum coverage legally required by their state may want to get a quote from Liberty Mutual. This insurer offers great rates for state-minimum liability policies, with an average cost of only $75 per month.
But keep in mind that Liberty Mutual scores an 870 on J.D. Power’s customer service satisfaction rating, which is slightly below the industry average of 874. The company also has a high NAIC complaint index rating of 3.10, which means it receives more than three times the average number of complaints for the industry.
Read more: Liberty Mutual Auto Insurance Review
The General: Best for SR-22s
Compare.com Rating: 3.95
Average Monthly Quote: $187
- Great website and mobile app
- Getting your SR-22 or FR-44 filed is easy
- Policy options for very high-risk drivers
- Limited coverage options
- Higher average premiums
- Few discount opportunities
High-risk drivers may be required to file an SR-22 form as proof of insurance with their state’s department of motor vehicles. Since you’re not required to file an SR-22 unless you’ve been deemed high-risk (because of accidents, DUIs, or other moving violations), most insurers willing to file an SR-22 are considered “non-standard” companies.
The General offers highly competitive rates compared to most non-standard companies and is willing to insure high-risk drivers who need SR-22s. In part because of its specialized clientele, The General is not ranked by J.D. Power for customer satisfaction. However, the company has a high NAIC complaint index rating of 3.62, which means it receives almost four times as many complaints as the average insurer.
Read more: The General Auto Insurance Review
5 Tips to Find the Best Car Insurance for You
As we’ve already mentioned, there’s no single car insurance company that’s best for every driver. In fact, because so many personal factors affect your rate, it can feel overwhelming trying to find the best company for your unique profile and needs.
Fortunately, the process of finding the right insurance company is easier than you think. These five expert tips will hopefully help you find better and more affordable insurance in no time.
1. Understand your needs
Every driver is different. What’s important to you might be totally irrelevant to your friend or neighbor. So, the first step toward finding the right insurance company is to start with understanding your needs.
First, set a baseline by outlining how much coverage you’re required to have, whether that’s by state law or lender requirements. For example, a driver from Texas who finances their vehicle will need to purchase at least $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage. They’ll also need to purchase comprehensive and collision coverages because their loan provider requires it.
From there, you can consider your budget, the amount of financial risk you’re comfortable with, and other factors to get a good idea of what you need.
2. Identify your pain points
Unless you’re a seasoned driver with a flawless driving record, you’re probably struggling with a couple of pain points that cause your rates to be more expensive than you’d like. For example, a recent speeding ticket costs the average driver an extra 37% on their insurance premium, according to our analysis. Likewise, a driver with a poor credit score pays an average of 164% more than someone with an excellent score.
So, take a few minutes to be a bit introspective. Think about your unique driver profile. Do you have a recent mark on your driving record? Is your credit less than perfect?
Identifying your pain points can help you better understand your rates. Not only can you work on what you’ve outlined, but you can also look more closely at insurance companies that specialize in similar driver profiles.
3. Do your research
Whether you’re buying a new TV or shopping for car insurance, it’s always helpful to research your options before jumping to a decision. Think about the sorts of things you value in an insurer, and research the best options for those factors.
For example, if you care about price above all else, GEICO is probably a good place to start since it tends to have the best rates for many driver types. But if you’re looking for the reliability of a local agent, a stress-free claims experience, or top-notch customer service, you may want to look elsewhere.
J.D. Power, AM Best, and the NAIC are great places to start. If you value customer satisfaction, J.D. Power’s annual auto insurance study can be an incredibly valuable resource. Likewise, AM Best’s financial strength ratings can give you a good idea of a company’s ability to pay out claims. And lastly, the NAIC’s complaint index will help you determine if a company has a higher-than-average frequency of customer complaints.
4. Consider lesser-known insurers
Insurance behemoths like State Farm, Progressive, and GEICO are likely the first names that come to mind when you think about insurance companies, but the industry is filled with hundreds of companies of various sizes.
Some companies operate nationally and use their large footprints to bring overall rates down, but others instead focus on a smaller area or customer demographic. For example, drivers outside of New Jersey may not have heard of NJM Insurance, but it’s consistently one of the best choices for drivers in that state.
Just because you’ve never heard of an insurance company or don’t see its ads on TV doesn’t mean it’s worth writing off.
5. Compare as many quotes as possible
The single most important piece of advice to help all drivers find the right policy is to compare quotes from as many insurers as possible. After all, the industry is filled with hundreds of companies — how are you supposed to be confident you’ve found the right one if you’ve only gotten a quote from one or two?
While getting individual quotes from each insurer certainly sounds like a time-consuming endeavor, insurance–comparison sites bring the insurers to you, allowing you to get quotes from multiple companies at once.
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Types of Car Insurance Coverage
You may encounter a number of different types of car insurance coverage when shopping for auto insurance. Some of the most common types of coverage include:
- Bodily injury liability: This mandatory coverage pays for the medical bills and other associated costs of a person who was injured because of an accident you caused.
- Property damage liability: Another mandatory coverage, this type of liability insurance will pay to repair or replace someone else’s property damaged in an accident you caused.
- Personal injury protection (PIP): Mandatory in some states, PIP covers your medical bills and associated costs if you’re injured in an auto accident, regardless of fault.
- Uninsured/underinsured motorists coverage: Some states require this coverage, which pays your medical bills and associated costs if you’re injured by a driver who doesn’t have adequate insurance.
- Collision coverage: This coverage isn’t legally mandated, but drivers who finance or lease their vehicles are required to have it. Collision coverage pays to repair or replace your vehicle if it’s damaged in an accident, even if you’re at fault (the at-fault driver’s liability insurance will usually cover repair costs if you aren’t at fault).
- Comprehensive coverage: This optional coverage will pay to repair or replace your vehicle if it’s damaged by anything other than a car accident. This might include things like vandalism, weather damage, fire, or theft.
Best Car Insurance FAQs
The best car insurance company for you will depend on your particular circumstances, including your driving history, where you live, your credit score, and your age. Here’s some additional guidance to help you find the right insurer for your needs.
How do you choose a car insurance company?
The process of finding a quality car insurance company will depend on what you need. When you start your search, the first thing you should do is write a list of the things you’re looking for in an auto insurance company. Maybe you want several online customer service options, or perhaps you’re looking for certain discounts.
Once you know what you want, it’ll be easier to narrow down your options. Comparing auto insurance quotes and checking out company ratings can also help you make your decision.
How can you find the best price on car insurance?
The best way to find a low rate on auto insurance is to get car insurance quotes from different companies. You can use our auto insurance comparison calculator to compare rates from 65+ top insurers in minutes.
Which company has the highest customer satisfaction rating?
According to the J.D. Power 2023 U.S. Auto Insurance Study, the following auto insurance companies have the highest satisfaction ratings in these regions.
- California: Wawanesa
- Central: Shelter
- Florida: The Hartford
- Mid-Atlantic: Erie Insurance
- New England: GEICO
- New York: New York Central Mutual
- North Central: Erie Insurance
- Northwest: The Hartford
- Southeast: Farm Bureau Insurance Tennessee
- Southwest: State Farm
- Texas: Auto Club of Southern California (AAA)
What factors should you consider when selecting the best car insurance?
It’s not enough to simply compare rates between car insurance companies. Consumers should also pay attention to additional factors, such as:
- Complaints: Checking your state’s department of insurance can help you find local complaint filings, and the NAIC keeps national indexes of complaint filings.
- Financial rating: Both S&P and AM Best rate the financial strength of insurance companies.
- Customer satisfaction rating: J.D. Power releases a customer satisfaction report about auto insurance companies each year.
How does your location affect the cost and coverage of car insurance?
Auto insurance costs can vary a great deal from one state to the next, one ZIP code to the next, and even within a single city. That’s because your location can determine a number of risk factors, such as the amount you drive, your area’s crime rates, and the likelihood of weather-related damage to your vehicle.
What car insurance company is the best?
There isn’t a single company that’s the best for every driver, so it’s hard to choose just one insurer. We’ve found that GEICO is the best for affordable coverage, while State Farm or Progressive are likely better choices for drivers with recent infractions on their records. Likewise, smaller companies, like Hugo or The General, might be worth considering if you have specialized needs.
At the end of the day, the best way to find the best company for you is to compare quotes from multiple companies.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.
Compare.com’s #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com’s content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com’s content is ever influenced by the companies and brands we partner with.
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