10 Best Car Insurance Companies in 2025

Progressive, USAA, and Geico are the best car insurance companies on the market.

If you want to buy cheap car insurance coverage from the top 10 car insurance companies, take a look at the list below.

Our Top 10 Picks: Best Car Insurance Companies

Read on to learn more about the top 10 best car insurance companies. Or, enter your zip code now to get car insurance quotes.

#1 – Progressive: Top Pick Overall

Pros

• Comprehensive Options: Learn about Progressive’s insurance options in our Progressive review.
• Online Tools: Progressive offers a number of online tools that are useful to customers, such as a budgeting tool.
• Competitive Rates: Progressive’s rates are usually competitive for most drivers.

Cons

• Snapshot Rates: It’s important to note that Progressive’s usage-based discount could raise rates for poor drivers.
• Customer Reviews: There are some negative claims handling reviews.

#2 – USAA: Best for Military Focus

Pros

• Military Focus: USAA sells exclusively to military and veterans.
• Exceptional Service: Our USAA review covers USAA’s high customer service ratings.
• Non-Auto Insurance Discounts: USAA members can save on various products with their membership.

Cons

• Eligibility: While USAA is one of the best companies on the market, its customer eligibility is limited.
• Physical Branch Locations: USAA operates mostly online.

#3 – Geico: Best for Good Drivers

Pros

• Good Drivers: Geico has some of the most competitive rates on the market for good drivers.
• Availability: Geico is sold in every state. Read our Geico car insurance review for more details about the company.
• Coverage Options: Provides various coverage types, such as roadside assistance.

Cons

• Claim Handling: A few negative reviews have mentioned slow claims processing.
• Personalized Service: Geico has less personalized service due to a lack of local agents and a focus on online processing.

#4 – Allstate: Best for Pay-Per-Mile Rates

Pros

• Pay-Per-Mile Rates: An affordable option for low-mileage drivers.
• Digital Tools: Allstate’s mobile app is great for managing policies and claims.
• Coverage Options: There are plenty to choose from for all drivers. Learn more in our Allstate review.

Cons

• Complaint Ratio: Allstate has a higher complaint ratio than its competition.
• High-Risk Rates: Alsltate’s rates are less competitive for drivers with multiple violations.

#5 – State Farm: Best for Agent Network

Pros

• Agent Network: Most customers will be able to easily find an agent near them, thanks to State Farm’s vast network of agents.
• Financial Rating: State Farm is one of the top-rated companies for its financial management.
• Availability: Purchase coverage in any state. Learn more about the company in our State Farm review.

Cons

• Credit Score Ratings: State Farm charges more for bad credit scores in some states.
• Accident Forgiveness: It is easier to get accident forgiveness at companies other than State Farm.

#6 – Nationwide: Best for Flexible Payments

Pros

• Flexible Payments: You can pay in full or monthly, and there are several payment options.
• Vanishing Deductible: A great way for safe drivers to save over time. Our article on Nationwide discounts discusses more ways to save, too.
• Coverage Options: Car owners will have plenty of choices for their vehicles.

Cons

• Availability: Some states won’t have Nationwide coverage for sale.
• High-Risk Rates: Rates are less competitive at Nationwide for higher-risk drivers with violations.

#7 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual makes it easy to customize a policy based on your coverage needs and budget.
• Organization Discounts: Get discounts if you belong to certain organizations.
• 24/7 Service: Representatives are available at any time. Learn more in our Liberty Mutual review.

Cons

• High-Risk Rates: Liberty Mutual’s rates are less competitive for higher-risk customers.
• Claim Processing: Not always favorably rated by consumers.

#8 – Farmers: Best for Family Plans

Pros

• Family Plans: Multi-vehicle discounts make Farmers ideal for families.
• On Your Side Review: If you aren’t 100% happy with your policy, you can work with a representative every year.
• Discount Options: There are plenty of opportunities to save on auto insurance policies.

Cons

• Average Rates: Liberty Mutual’s rates can be pricier, especially for higher-risk drivers. Learn more by reading our Farmers review.
• Customer Reviews: Negative reviews focus on poor or slow claims handling.

#9 – Travelers: Best for Business-Use Coverage

Pros

• Business-Use Coverage: Travelers offers commercial auto insurance for vehicles used for business.
• Availability: Travelers is sold in all but a select few states.
• Discount Variety: There are plenty of saving opportunities for drivers.

Cons

• IntelliDrive Rate Increases: Travelers can raise rates for poor driving in its discount program.
• Customer Service: Not always highly rated by customers. Learn more in our Travelers review.

#10 – Erie: Best for Customer Satisfaction

Pros

• Customer Satisfaction: Highly rated by most customers. Learn more in our Erie review.
• Coverage Options: There are plenty of options for auto insurance on vehicles.
• Accident Forgiveness: Some customers will qualify to avoid rate increases.

Cons

• Availability: Not widely available in the U.S.
• Discount Availability: Some states may offer fewer discounts to customers.

The Top Car Insurance Companies

Why are these the top 10 car insurance companies? The top 10 care insurance companies were determined by how many policies each company has written and how many claims each company successfully paid to their policyholders, as well as their policy perks and average rates.

This information is collected from insurance companies and through rating companies such as A.M. Best and Standards & Poor’s.

An insurance company that continues to grow each year because they are writing more policies tends to be financially strong, which is an important element when choosing an insurance company.

In addition, companies that experience growth have a good reputation, and people want to do business with companies that have a good reputation.

You also want to choose a company that has a strong claims payment rating. If you have an accident, your insurance company is going to be more likely to pay your claim. Now, it is important to note that none of these ratings are based on the affordability of each company.

Buying Insurance From the Top 10 Car Insurers

Should I buy my insurance from one of the top 10 car insurance companies? Here are some things to consider, however. For example, Allstate is well known for being the more expensive choice for auto insurance.

 

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Some of the other companies don’t sell insurance in every state, making it impossible for some people to consider them.

With over 100 auto insurance companies in the US, you don’t have to choose from the top 10 list to make a good choice. The bottom line is that if you choose one of the companies on the top 10 list, then you are likely, but not guaranteed, to be happy with your entire experience.

Rates at the 10 Best Car Insurance Companies

Is there a most affordable top 10 car insurance company list? Below, you can see the rates for different coverage options at the top ten companies.

Car Insurance Monthly Rates by Coverage Level & Provider

If you want to see exactly how much auto insurance will cost you at the 10 best auto insurance companies, you can get quotes directly from sites like Progressive.

 

You will also find the following car insurance discounts at the 10 best insurance companies.

Of course, definitions of cheap car insurance are subject to opinion and income, so it’s helpful to use our free quote tool and get quotes from the companies that have the most affordable plans for you.

The Final Word on the Top 10 Car Insurance Providers

Now that you know the answer to what are the top 10 auto insurance companies, you can start comparing quotes and coverages to find the right match for you (learn more: How do you get competitive quotes for car insurance?).

Ready to start shopping at top-ranked auto insurance companies? Enter your zip code right now and get your online car insurance quotes.