Auto insurance is essential for protecting yourself financially in case of a car accident. Choosing the right car insurance can feel overwhelming, but it’s crucial to have adequate coverage without overpaying. The Best Auto Insurance companies offer robust protection at competitive rates.
Here are our top picks for the best car insurance in 2025, designed to help you find the perfect fit for your unique needs.
Top Car Insurance Companies for Customer Satisfaction
Amica Auto Insurance
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Insider’s Rating: 4.8/5
Perks: Amica Mutual excels in customer satisfaction, consistently ranking high in JD Power studies.
JD Power Customer Satisfaction Rating: 862
AM Best Financial Strength Rating: A+
Pros:
- Excellent customer service and claims satisfaction
- Wide range of discounts and bundling options
- Strong financial stability and long industry history
Cons:
- Not available in Hawaii
- May not offer the lowest rates for high-risk drivers
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Product Details:
- High customer satisfaction scores
- Discounts for students and vehicle safety features
Founded in 1907, Amica Auto Insurance has built a reputation for outstanding customer service. Amica Mutual was recognized as number one in JD Power’s latest U.S. Auto Claims Satisfaction Study, based on feedback from over 8,000 customers who recently filed and settled claims. This recognition underscores their commitment to customer care during the claims process.
Amica’s A+ rating from AM Best confirms its financial strength, ensuring the company’s ability to meet its financial obligations and pay out claims reliably. This financial stability provides policyholders with confidence and peace of mind.
Amica offers a comprehensive suite of auto insurance coverages, including liability, collision, comprehensive, and gap insurance. Gap coverage is particularly beneficial for those financing a vehicle, as it covers the difference between the car’s market value and the outstanding loan balance in the event of a total loss. They also offer Platinum Choice® Auto, a premium option with benefits like glass repair without a deductible, rental car coverage, and new car replacement. A user-friendly mobile app is available for managing policies and accessing services on the go.
Top Pick for Affordable Car Insurance
GEICO Auto Insurance
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Insider’s Rating: 4.6/5
Perks: GEICO is known for its affordable premiums and extensive discounts.
JD Power Customer Satisfaction Rating: 824
AM Best Financial Strength Rating: A++
Pros:
- Nationwide availability across all 50 states
- Competitive and budget-friendly rates
- Wide range of discounts and bundling options
- Potential deductible reduction by claims adjusters
Cons:
- Customer satisfaction can vary across different products
- Claims process may be slower compared to competitors
Insider’s Take: GEICO has been a leading auto insurer since 1936, offering some of the most affordable rates in the market. While customer satisfaction ratings are decent, their pricing is a major draw.
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Product Details:
- Discounts for safe driving, good grades, and military personnel
- Available in every state
For drivers prioritizing cost-effectiveness, GEICO Auto Insurance stands out with its competitive and affordable car insurance rates. GEICO’s website highlights potential savings of up to $500 for new customers. With over 85 years of experience, GEICO has established itself as a provider of budget-friendly premiums, making it a strong option for drivers with varying credit histories.
GEICO provides a wide array of discounts, including those for vehicle safety features (like airbags and anti-theft systems), safe driving records, good student status, and military service. They are also recognized as one of the best car insurance companies for seniors due to their senior-specific discounts. Policy management is streamlined through online access and a 24/7 mobile app.
Customer reviews suggest that GEICO’s claims process is generally efficient, with some customers reporting instances where adjusters proactively worked to minimize out-of-pocket expenses. Rate increases after accidents are reported to be less significant compared to some other discount insurers.
Best Auto Insurance for Military Personnel and Families
USAA Auto Insurance
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Insider’s Rating: 4.9/5
Perks: USAA is exclusively for military members, veterans, and their families, offering exceptional service and rates.
JD Power Customer Satisfaction Rating: 871
AM Best Financial Strength Rating: A++
Pros:
- Exceptionally low rates for eligible members
- Nationwide coverage in all 50 states and DC
- Bundling options with other insurance and financial products
Cons:
- Eligibility is limited to military, veterans, and their families
- Claims processing might be slower than some competitors
Insider’s Take: USAA Auto Insurance is a top choice for those who qualify. They consistently offer excellent coverage and rates tailored to the military community.
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Product Details:
- Exclusive to military, veterans, and their families
- Discounts for safe driving and military-specific situations
USAA Auto Insurance is dedicated to serving the financial needs of the military community, offering highly competitive auto insurance and other financial services. While USAA’s services are not available to the general public, eligible members benefit from some of the most affordable coverage options available. USAA’s website claims average annual savings of $725 for drivers who switch.
USAA provides standard auto insurance coverages, including liability, collision, comprehensive, and uninsured/underinsured motorist protection. Optional coverages like roadside assistance and rental reimbursement are also available. Bundling options are extensive, encompassing home, pet, and life insurance, making it convenient for military families to manage multiple policies.
USAA offers unique discounts tailored to military life, such as savings for garaging vehicles on base (up to 15%) and reduced rates for vehicle storage or infrequent driving, which are particularly relevant for deployed service members. Bundling home and auto insurance can yield a 10% discount, and setting up automatic payments offers an additional 3% reduction. Discounts are also available for insuring multiple vehicles and for teen drivers with good grades. USAA’s mobile app and 24/7 online support enhance accessibility and service. Notably, USAA is known for providing competitive quotes even for drivers with less-than-perfect driving records.
Best Car Insurance for Teen Drivers
State Farm Auto Insurance
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Insider’s Rating: 4.7/5
Perks: State Farm offers numerous discounts for teen drivers, including good student discounts.
JD Power Customer Satisfaction Rating: 817
AM Best Financial Strength Rating: A++
Pros:
- Nationwide availability and strong local agent network
- High ratings for customer and claims satisfaction
- Discounts for bundling insurance products
Cons:
- Quotes primarily through captive agents
- Potentially higher pricing for high-risk drivers
- Rates can increase significantly with teen drivers
Insider’s Take: State Farm is a reliable and widely available insurer, offering a variety of coverage options, including rideshare coverage, and a strong reputation for customer service.
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Product Details:
- Good student discounts for high school and college students
- Steer Clear discount for young drivers
Car insurance for teen drivers can be expensive due to their higher risk profile. Statistics from the CDC highlight car crashes as the leading cause of teen fatalities, emphasizing the importance of comprehensive coverage.
State Farm Auto Insurance provides excellent options for families with teen drivers. They offer a Good Student Discount of up to 25% for eligible students. A driver’s education course discount is also available for drivers under 21. The Student Away at School Discount can provide savings if a teen driver attends school away from home without their car.
The Steer Clear discount offers up to 15% savings for young drivers under 25 with a clean driving record for three years. State Farm’s Drive Safe & Save app can potentially reduce premiums by up to 30% based on driving behavior. Beyond standard liability, collision, and comprehensive coverage, State Farm offers emergency roadside service and rideshare coverage. Their extensive network of local agents provides personalized support and guidance in choosing the right coverage.
Top Choice for Car Insurance Discounts
Farmers Auto Insurance
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Insider’s Rating: 4.5/5
JD Power Customer Satisfaction Rating: 828
AM Best Financial Strength Rating: A
Pros:
- Extensive range of coverage options
- Wide variety of discounts and bundling possibilities
- Nationwide availability
Cons:
- Premiums may not be the most competitive compared to budget insurers
- Online quoting process could be more user-friendly
Product Details:
- Offers up to 23 different discounts
- Discounts for hybrid and electric vehicles in California
Farmers Auto Insurance distinguishes itself with a wide array of potential discounts, offering up to 23 different ways to save on premiums—significantly more than many competitors. Farmers caters to a broad spectrum of drivers with diverse discount opportunities.
Discounts are available for full premium payments, senior drivers completing safe driving courses, California drivers of hybrid or electric vehicles, homeowners, good students, and young drivers. Bundling policies and insuring multiple vehicles can also lead to savings of up to 20%.
Farmers provides standard coverages along with umbrella policies for increased liability protection. Policy management is facilitated through the Farmers mobile app.
Best Car Insurance for Educators
Liberty Mutual Auto Insurance
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Insider’s Rating: 4.8/5
JD Power Customer Satisfaction Rating: 831
AM Best Financial Strength Rating: A
Pros:
- Nationwide coverage
- Multiple quoting options (online, agents, brokers)
- Bundling discounts available
Cons:
- Young driver discounts may require more documentation
- Rates might not be the most competitive for high-risk drivers
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Product Details:
- Specialized coverage and discounts for teachers
- RightTrack program for potential savings up to 30%
- Discount for military members
Liberty Mutual Auto Insurance offers specialized car insurance benefits for teachers, including unique perks and generally favorable customer satisfaction. While specific teacher plans may have state-level availability variations, Liberty Mutual provides solid options for educators.
Perks for teachers include a $0 deductible for collision coverage if an accident occurs during school hours or while on school-related duties. Coverage extends to personal property and school-owned items, offering up to $2,500 in protection for damaged or stolen items used for teaching. A $0 deductible also applies to vandalism claims on school property or during school-related driving activities.
Liberty Mutual offers standard collision and comprehensive coverage alongside optional add-ons like original parts replacement, gap insurance, 24-hour roadside assistance, and rental car reimbursement. The Liberty Mutual Deductible Fund® allows policyholders to pay a small annual fee to reduce their deductible over time, potentially lowering out-of-pocket expenses in the event of a claim. A mobile app is available for policy management and claims filing.
Best Car Insurance for Accident Forgiveness
Progressive Auto Insurance
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Insider’s Rating: 4.6/5
Perks: Progressive is well-known for its accident forgiveness programs and competitive rates.
JD Power Customer Satisfaction Rating: 842
AM Best Financial Strength Rating: A+
Pros:
- Nationwide coverage across all 50 states
- Bundling discounts and competitive rates
- Strong ratings from JD Power and AM Best
Cons:
- Rates can increase significantly after accidents or for high-risk drivers
- Mixed customer reviews regarding claims and customer service
Insider’s Take: Progressive is a long-standing and highly-rated insurer with a wide range of insurance products and innovative features like the Name Your Price tool.
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Product Details:
- Offers three types of accident forgiveness
- Name Your Price tool for customized coverage
- Discounts for bundling, vehicle safety, and students
Progressive Auto Insurance is recognized for its accident forgiveness programs designed to prevent rate hikes after an initial accident. Progressive offers three accident forgiveness options:
- Small Accident Forgiveness: In most states, new Progressive customers enrolled in the Loyalty Rewards program qualify for this, preventing premium increases for claims under $500.
- Large Accident Forgiveness: Available to Loyalty Rewards members in most states, this prevents rate increases even for claims exceeding $500, provided the driver has been accident and violation-free for five years with Progressive.
- Progressive Accident Forgiveness: Allows customers to purchase additional accident forgiveness to maintain consistent rates after an accident. Availability varies by state.
Progressive offers standard liability, collision, and comprehensive coverage, and uniquely includes coverage for pet injuries resulting from a covered collision. Additional coverages include gap insurance, rental car reimbursement, custom parts and equipment value coverage, rideshare insurance, and roadside assistance. Progressive’s Name Your Price tool allows customers to input their desired premium, and the website presents available coverage options within that budget. A mobile app and agent support are available for policy management and customer service.
Compare Car Insurance Companies
Choosing the best auto insurance often involves comparing quotes and coverage options from multiple companies. Online comparison tools and independent agents can help streamline this process.
How to Choose the Best Auto Insurance Company
Selecting the right car insurance involves considering several key factors:
Coverage Needs: Assess your individual driving habits, vehicle value, and risk tolerance. Opting for full coverage, which combines liability, comprehensive, and collision coverage, is generally recommended to ensure broad protection. Experts advise exceeding state minimum liability limits to adequately cover potential medical and property damage costs in a serious accident.
Budget: Determine your affordable premium range before seeking quotes.
Discounts: Explore available discounts from each insurer to maximize savings. Bundling home or renters insurance with auto insurance often yields significant discounts.
Customer Service: Research customer service reviews from sources like the Better Business Bureau, Trustpilot, and JD Power to gauge company responsiveness and claims handling. Consider your preferred interaction method—online, phone, or mobile app—when evaluating insurers.
Why You Should Trust Us: Our Selection Methodology
Our recommendations for the best auto insurance companies are based on a comprehensive evaluation of affordability, customer satisfaction, coverage options, policyholder benefits, financial strength, and accessibility. We analyze quotes, customer reviews, financial stability ratings, and company history to identify top performers.
Given that auto insurance is largely state and region-specific, optimal choices can vary geographically. Our reviews are unbiased and not influenced by insurance company sponsorships. We regularly update our reviews to reflect new data, such as updated JD Power rankings.
For a detailed understanding of our evaluation process, refer to how Business Insider rates auto insurance.
FAQs
What is the best car insurance company overall?
State Farm is consistently highly-rated and holds the largest market share in the U.S., known for its agent-exclusive service. However, regional carriers may outperform State Farm in certain areas.
How do I choose an auto insurance provider?
Compare quotes from multiple providers, review customer service ratings, and align coverage with your specific needs.
How can I find the best price on car insurance?
Utilize independent insurance agents or online quote comparison tools to assess pricing and coverage from various insurers. Online-only insurers like GEICO and Progressive offer quick quote options.
Melanie Lockert
Personal Finance Expert and Author
Evelyn He
Compliance and Operations Associate
