Best Car Insurance Companies of 2025 The top-rated auto insurers are Travelers, Nationwide, GEICO, State Farm and Progressive. In addition to our 2025 Best Car Insurance Companies national ranking, we rate several regional insurers such as Erie, Auto-Owners and American Family. View Carriers Please enter valid zip Compare top carriers in your area Home Car insurance Best insurance companies Best Car Insurance Companies of 2025 Written by Laura Longero Laura Longero Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network. | Reviewed by John McCormick John McCormick John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology. | Expert insight from Dr. James Brau Dr. James Brau Dr. Brau teaches finance principles, entrepreneurial finance, financial planning, and corporate finance at Brigham Young University’s School of Business. His research includes issues related to initial public offerings, financial education, real estate, and entrepreneurial finance.Go to comment | Updated on: March 6, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. When it comes to finding the best car insurance company, we have the definitive guide to the top auto insurers in the U.S. Our editors and data analysts synthesized carrier rate data, AM Best financial stability scores and National Association of Insurance Commissioners (NAIC) complaint records. We also surveyed policyholders to gauge each company’s customer experience, claims expertise and policy offerings. We asked customers if they trusted their insurer, whether they planned to renew and what they thought about their insurance company’s digital experience. The best national car insurance companies are Travelers, Nationwide, GEICO, State Farm and Progressive. “Even if you have had the same provider for years or decades, it may pay to hop online and do research to see if you are still receiving the best protection for your policy premiums,” says Jim Brau, a professor of finance at Brigham Young University’s Marriott School of Business. “With easy access to the internet, searching car insurance companies online is probably the most efficient way to compare and choose a provider.” Top car insurance companies Based on that data and other essential insurance metrics, we rated the best car insurance companies of 2025 and gave each from one to five stars. In 2025, Travelers was the top national car insurance carrier, followed by Nationwide, GEICO, State Farm and Progressive. The top five companies remained the same from 2024, except for GEICO and State Farm, which switched places. In addition to evaluating the national carriers, we also ranked regional auto insurers. Erie was the top regional carrier, followed by Auto-Owners and American Family. What are the best car insurance companies? Our 2025 list of the best-rated car insurance companies features industry heavyweights like State Farm, GEICO and Progressive. Best car insurance companies 2025 Rank 2024 Rank Company Overall Ranking Customer Satisfaction Read full review 2025 Rank: 1 2024 Rank: 1 Travelers Overall rating 4.64 Customer satisfaction rating: 4.31 Travelers review 2025 Rank: 2 2024 Rank: 2 Nationwide Overall rating 4.54 Customer satisfaction rating: 4.48 Nationwide review 2025 Rank: 3 2024 Rank: 4 GEICO Overall rating 4.50 Customer satisfaction rating: 4.42 GEICO review 2025 Rank: 4 2024 Rank: 3 State Farm Overall rating 4.35 Customer satisfaction rating: 4.46 State Farm review 2025 Rank: 5 2024 Rank: 5 Progressive Overall rating 4.22 Customer satisfaction rating: 4.29 Progressive review 2025 Rank: 6 2024 Rank: 6 Amica Overall rating 4.16 Customer satisfaction rating: 4.73 Amica review 2025 Rank: 7 2024 Rank: 8 Farmers Overall rating 3.81 Customer satisfaction rating: 4.35 Farmers review 2025 Rank: 8 2024 Rank: 7 Allstate Overall rating 3.75 Customer satisfaction rating: 4.32 Allstate review 2025 Rank: NR 2024 Rank: NR USAA* Overall rating 4.76 Customer satisfaction rating: 4.78 USAA review *USAA is only available to members of the military community and their families. An insurer needs to do business in at least 40 states to rank as a national company. Best car insurance companies with regional and national carriers We also developed a second list comparing regional companies such as Auto-Owners and Erie with the national carriers. 2025 Rank 2024 Rank Company Overall Ranking Customer Satisfaction Read full review 2025 Rank: 1 2024 Rank: 3 Travelers Overall rating 4.64 Customer satisfaction rating: 4.31 Travelers review 2025 Rank: 2 2024 Rank: 1 Erie Overall rating 4.62 Customer satisfaction rating: 4.46 Erie review 2025 Rank: 3 2024 Rank: 2 Auto-Owners Overall rating 4.60 Customer satisfaction rating: 4.51 Auto-Owners review 2025 Rank: 4 2024 Rank: 4 Nationwide Overall rating 4.54 Customer satisfaction rating: 4.48 Nationwide review 2025 Rank: 5 2024 Rank: 7 GEICO Overall rating 4.50 Customer satisfaction rating: 4.42 GEICO review 2025 Rank: 6 2024 Rank: 6 State Farm Overall rating 4.35 Customer satisfaction rating: 4.46 State Farm review 2025 Rank: 7 2024 Rank: 9 American Family Overall rating 4.26 Customer satisfaction rating: 4.17 American Family review 2025 Rank: 8 2024 Rank: 8 Progressive Overall rating 4.22 Customer satisfaction rating: 4.29 Progressive review 2025 Rank: 9 2024 Rank: 10 Amica Overall rating 4.16 Customer satisfaction rating: 4.73 Amica review 2025 Rank: 10 2024 Rank: 12 Farmers Overall rating 3.81 Customer satisfaction rating: 4.35 Farmers review 2025 Rank: 11 2024 Rank: 11 Allstate Overall rating 3.75 Customer satisfaction rating: 4.32 Allstate review 2025 Rank: NR 2024 Rank: NR USAA* Overall rating 4.76 Customer satisfaction rating: 4.78 USAA review Expand List How we picked Insure.com’s top-rated auto insurance companies 65 Carriers reviewed 1,750 Insurance consumers surveyed 65+ Insurance metrics examined 34,600 ZIP codes examined In the fall of 2024, we surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories: customer satisfaction, ease of service, policy offerings, claims satisfaction, digital experience (website/app), discounts offered, fair rate increases over time, insurance for young drivers/teenagers, insurance for college students, insurance for senior drivers, insurance for drivers with tickets or accidents and auto and home bundling. The results reflect the percentage of respondents who said they were either satisfied or very satisfied with their insurer. Our editors also analyzed the companies’ annual premiums, AM Best grades, NAIC scores, and other factors to select the nation’s best auto insurance companies. USAA is excluded from the overall ranking because it only provides services to military community members. The Hartford, Liberty Mutual and Safeco were also omitted because they don’t provide pricing information – one of our key rating metrics – to our data partner, Quadrant Information Services. The best auto insurance companies by category So, how do you find the best insurance company that’s right for you? “You should feel comfortable with your insurance purchase, whether you buy it from a local agent or directly from the company,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute (Triple-I). “Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.” Below are the best companies for specific situations and needs. This list includes all the companies in our insurance-consumer survey – like USAA – that may have been excluded from the final rankings. Best for cheapest rates: Nationwide Best for customer satisfaction: Amica Best for ease of service: Amica Best for policy offerings: Amica Best for claims handling: Farmers Best website/online experience: Nationwide Best discounts: Nationwide Best for fair rate increases over time: Amica Best for young drivers and teens: The Hartford Best for college students: Amica Best for senior drivers: Amica Best for drivers with tickets: Amica Best for high-risk drivers: Allstate Best for auto and home bundling: Nationwide Most likely to be recommended to others: Nationwide Most trustworthy: Amica Most likely to renew with the carrier: Travelers The top national car insurance companies in the U.S. The top nationwide auto insurance companies in the U.S. are Travelers, Nationwide, GEICO, State Farm, Progressive, Amica, Farmers and Allstate. Read more about each insurer by clicking the “Learn More” button. Travelers Travelers Overall rating 4.64 Average Premium 4.51 NAIC 0.52 Customer satisfaction 4.31 AM Best A++ Average Premium Customer Satisfaction NAIC AM Best Rating A++ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Aug 02, 2024 Learn More + Add To Compare Learn More About Travelers Insurance Travelers finished No. 1 in our 2025 Best Car Insurance Companies ranking with a rating of 4.64 stars out of 5. It was first among customers who are most likely to renew with the carrier and second among competitors for the cheapest car insurance rates. The company has an A++ (Superior) rating from AM Best for financial strength. Travelers continued its run as the top company in our survey in 2025; it also ranked No. 1 in 2024. Nationwide Nationwide Overall rating 4.54 Average Premium 4.73 NAIC 0.63 Customer satisfaction 4.48 AM Best A Average Premium Customer Satisfaction NAIC AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Nov 07, 2024 Learn More + Add To Compare Learn More About Nationwide Insurance Nationwide auto insurance earned 4.54 stars out of 5 in our 2025 national ranking of the Best Car Insurance Companies. Nationwide was the top scorer for the cheapest rates, best website/online experience, best discounts, best for auto and home bundling and most likely to be recommended to others. Nationwide continued its run in 2025 as a top scorer in our survey – it ranked No. 2 in 2024. GEICO GEICO Overall rating 4.50 Average Premium 3.90 NAIC 0.69 Customer satisfaction 4.42 AM Best A++ Average Premium Customer Satisfaction NAIC AM Best Rating A++ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Feb 21, 2025 Learn More + Add To Compare Learn More About GEICO Insurance GEICO earned 4.50 stars out of 5 in our 2025 Best Auto Insurance Companies ranking. It took the third spot from State Farm this year (GEICO was No. 4 and State Farm No. 3 in 2024). GEICO’s customers said it’s notable for cheap rates and customer satisfaction. The carrier has an AM Best score of A++ (Superior), indicating strong finances. State Farm State Farm Overall rating 4.35 Average Premium 3.04 NAIC 0.79 Customer satisfaction 4.46 AM Best A++ Average Premium Customer Satisfaction NAIC AM Best Rating A++ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Oct 18, 2024 Learn More + Add To Compare Learn More About State Farm Insurance State Farm earned 4.35 stars out of 5 in our 2025 ranking of the Best Car Insurance Companies. The company dropped one position from 2024, falling below national competitor GEICO. State Farm continues to be highly regarded financially, with an A++ (Superior) from AM Best. State Farm customers gave it high marks for trustworthiness, customer satisfaction, ease of service and claims handling. Progressive Progressive Overall rating 4.22 Average Premium 2.99 NAIC 0.71 Customer satisfaction 4.29 AM Best A+ Average Premium Customer Satisfaction NAIC AM Best Rating A+ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Mar 06, 2024 Learn More + Add To Compare Learn More About Progressive Insurance Progressive earned 4.22 stars out of 5 in our 2025 Best Car Insurance Companies list in the No. 5 spot, the same position as 2024. Progressive gets high marks for its website/online experience and discounts in our survey. Amica Amica Overall rating 4.16 Average Premium 2.14 NAIC 0.75 Customer satisfaction 4.73 AM Best A+ Average Premium Customer Satisfaction NAIC AM Best Rating A+ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Feb 01, 2024 Learn More + Add To Compare Learn More About Amica Insurance Amica earned 4.16 stars out of 5 and ranked No. 6 – the same as last year – in our 2025 survey of the best auto insurance companies. Amica was rated the best among its competitors in several categories: customer satisfaction, ease of service, policy offerings, best for fair rate increases over time and most trustworthy. Farmers Farmers Overall rating 3.81 Average Premium 1.48 NAIC 0.86 Customer satisfaction 4.35 AM Best A Average Premium Customer Satisfaction NAIC AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Jul 03, 2024 Learn More + Add To Compare Learn More About Farmers Insurance In 2025, Farmers overtook Allstate for the No. 7 spot in our Best Auto Insurance Companies list with 3.81 stars out of 5. Farmers had pricier premiums than other companies but had the highest rating for claims handling. Farmers has an A rating (Excellent) from AM Best, which measures a company’s financial strength. Allstate Allstate Overall rating 3.75 Average Premium 1.00 NAIC 1.10 Customer satisfaction 4.32 AM Best A+ Average Premium Customer Satisfaction NAIC AM Best Rating A+ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Aug 23, 2024 Learn More + Add To Compare Learn More About Allstate Insurance Allstate earned 3.75 stars out of 5 in our 2025 Best Auto Insurance Companies ranking. It slipped below Farmers this year, dropping from No. 7 to No. 8. Allstate was recognized as having the third-best score for fair rate increases over time and the best for senior drivers. The best-rated car insurance companies for the price, customer service and more So, how do you find the best insurance company for you? We surveyed customers of over a dozen top insurers and ranked them based on our findings, third-party data and rate information. In some instances, we did not have an insurer’s rate information and could not rank it. However, we included certain non-ranked companies here if they performed notably well in the survey. Car insurance companies with the cheapest rates Price is a top concern for auto insurance consumers. The top-rated car insurance companies in this category offer the lowest rates for full coverage for a 40-year-old male with a good driving record. According to the data, USAA, Erie, Nationwide and Auto-Owners have the cheapest monthly rates for auto insurance. However, USAA isn’t available to all consumers – only military members, veterans and their families – so keep that in mind. Auto-Owners and Erie are regional insurers. The ranked, national company with the cheapest rates is Nationwide. Company Monthly Premium USAA* $115 Erie $123 Nationwide $129 Auto-Owners $129 Travelers $134 American Family $142 GEICO $147 State Farm $165 Progressive $166 Amica $185 Farmers $199 Allstate $209 *USAA is only available to military community members and their families. Best car insurance companies for customer satisfaction Customer satisfaction was one of the most critical factors in our auto insurance customer survey. Amica and State Farm came out on top with 97% and 92%, respectively, of customers satisfied with their insurance company. GEICO, Farmers and Progressive round out the top five. Company Customer satisfaction Amica 97% State Farm 92% GEICO 90% Top-rated car insurance companies for ease of service Ease of service measures how easy it is for consumers to access policy documents and services, and Amica won this category with 97% of its customers giving it high marks. Erie and State Farm rounded out the top three, but GEICO, Auto-Owners, Allstate and Progressive all got scores of 90% or higher. Company Ease of service Amica 97% Erie 96% State Farm 93% Best car insurance companies for policy offerings Some companies offer more policy options – telematics, accident forgiveness, home/auto bundling, etc. – and Amica took the top spot with 93% of customers satisfied with the company’s offerings, followed by Nationwide and Erie both at 89%. Nationwide narrowly captured the No. 2 spot because its score was 89.3%, while Erie’s was 88.5%. Company Policy offerings Amica 93% Nationwide 89% Erie 89% Most highly recommended car insurance company Most of the companies in our survey earned scores in the 80th or 90th percentile for consumer recommendations, but 96% of Nationwide customers said they would recommend it. More than 93% of Amica customers and 92% of Erie’s recommend their companies. Company Customer recommendations Nationwide 96% Amica 93% Erie 92% Most trustworthy car insurance company Amica topped the list for trustworthiness in the 2025 survey, followed by State Farm, Erie, Progressive and Allstate. Across the board, trustworthiness scores were in the 80th and 90th percentiles. Company Trustworthiness Amica 97% State Farm 93% Erie 92% Best auto insurance provider for insurance policy renewals Travelers took the top spot for policy renewals, with 97% of survey respondents saying they plan to renew their policies, followed by Amica, Auto-Owners, Liberty Mutual and GEICO. Most companies had scores in the 90th percentile for renewals, and Travelers edged out Amica due to a 0.3% difference. Company Plan to renew Travelers 97% Amica 97% Auto-Owners 95% How much does car insurance cost in each state? Maine, New Hampshire and Vermont have the cheapest full coverage car insurance rates in the nation. On the opposite end of the spectrum, Louisiana, Florida and California residents pay the most for car insurance. See full coverage rates for every state in the table below. State Average annual premium Average monthly premium Alabama $1,860 $155 Alaska $1,676 $140 Arizona $1,812 $151 Arkansas $1,957 $163 California $2,416 $201 Colorado $2,337 $195 Connecticut $1,725 $144 Delaware $2,063 $172 Florida $2,694 $224 Georgia $1,970 $164 Hawaii $1,517 $126 Idaho $1,428 $119 Illinois $1,532 $128 Indiana $1,515 $126 Iowa $1,630 $136 Kansas $1,900 $158 Kentucky $2,228 $186 Louisiana $2,883 $240 Maine $1,175 $98 Maryland $1,746 $145 Massachusetts $1,726 $144 Michigan $2,352 $196 Minnesota $1,911 $159 Mississippi $2,008 $167 Missouri $1,982 $165 Montana $2,193 $183 Nebraska $1,902 $159 Nevada $2,060 $172 New Hampshire $1,265 $105 New Jersey $1,902 $159 New Mexico $2,049 $171 New York $1,870 $156 North Carolina $1,741 $145 North Dakota $1,665 $139 Ohio $1,417 $118 Oklahoma $2,138 $178 Oregon $1,678 $140 Pennsylvania $1,872 $156 Rhode Island $2,061 $172 South Carolina $2,009 $167 South Dakota $2,280 $190 Tennessee $1,677 $140 Texas $2,043 $170 Utah $1,825 $152 Vermont $1,319 $110 Virginia $1,469 $122 Washington $1,608 $134 Washington, D.C. $2,157 $180 West Virginia $2,005 $167 Wisconsin $1,664 $139 Wyoming $1,758 $146 How to find an insurance company that’s right for you When shopping for car insurance, consider your top priorities and coverage needs and get at least three quotes from the top-rated car insurance companies. “Prices vary greatly from one insurer to another, so it really pays to shop around. Get at least three price quotes from a mix of national and regional carriers,” Friedlander says. “You can obtain quotes through independent and exclusive agents, company websites and online comparison sites.” Here are some things to keep in mind when shopping for car insurance: Determine your needs: This will help you narrow down the carriers you should consider and the different coverages you may need to carry. Find local insurers: When shopping around, consider both national insurers (ones that operate in all states) and regional insurance companies that write policies in your state. Look for insurers that offer the coverages and services you would use. Gather quotes: Be sure to compare apples to apples regarding coverage levels and deductibles. Get at least three different quotes. Figure out your non-negotiables: If you prefer to work with an agent, you’ll need to keep that in mind. The same goes if you prefer to make changes using an app; some companies are better than others for digital experience and customer service. Friedlander says that not every company is licensed to operate in each state: “As a general rule, you should buy from an insurer licensed in your state, because then you can rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact your state’s insurance department.” Our recommendation When it comes to the best car insurance companies, the best company for you is the one that offers the level of service you need at a price you can afford. What our expert says Q. What’s the best way to shop for car insurance? Dr. James Brau Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University “Even if you have had the same provider for years or decades – it may pay to hop online and do research to see if you are still receiving the best protection for your policy premiums.” Mark Friedlander Mark FriedlanderDirector of corporate communications for the Insurance Information Institute. "Prices vary greatly from one insurer to another, so it really pays to shop around. Get at least three price quotes from a mix of national and regional carriers. You can obtain quotes through independent and exclusive agents, company websites and online comparison sites.” Methodology In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories: Customer satisfaction Ease of service Policy offerings Claims satisfaction Digital experience (website/app) Discounts offered Fair rate increases over time Insurance for young drivers/teenagers Insurance for college students Insurance for senior drivers Insurance for drivers with tickets or accidents Auto and home bundling The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results. We then asked respondents to provide a yes or no response to indicate their agreement with the following statements: I plan to renew with my current auto insurance company I would recommend my auto insurance company to others I trust my auto insurance company The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations. They also collected insurance rate data from Quadrant Information Services. With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight. Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling) AM Best: 25% of total score Annual premium: 20% of total score NAIC: 15% of total score Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive. QuickTake Allstate auto insurance review and ratings 2025 American Family auto insurance review and ratings 2025 Auto-Owners auto insurance review and ratings Erie auto insurance review and ratings 2025 Farmers auto insurance review and ratings 2025 Nationwide auto insurance review and ratings 2025 Progressive auto insurance review and ratings 2025 Travelers auto insurance review and ratings 2025 State Farm auto insurance review and ratings 2025 USAA auto insurance review and ratings 2025 GEICO auto insurance review and ratings 2025 Best Car Insurance Companies of 2023 See more > ZIP Code Please enter valid ZIP See rates (844)-645-3330