Best Car Insurance Companies of 2025

1. USAA

USAA tops our rating of the best car insurance companies, and is at or near the top in all of the subcategories we looked at. It was No. 1 for customer service and claims handling, and also No. 1 in our best for seniors and best for discounts subcategories. It was No. 2 – behind Auto-Owners – in customer loyalty, most likely to be recommended, and most likely to be renewed.

The company also has the lowest average rate we found overall, and was the least expensive in our analysis for multiple categories of drivers, including young adults and drivers with a speeding ticket on their record. See our report on the cheapest car insurance companies for an idea of which insurers have the lowest rates, on average, for different driver groups.

USAA is one of the top-performing companies in all aspects of our rating, but since its policies are limited to its members, most drivers will want to explore what other insurers in our rating have to offer.

2. Auto-Owners

Auto-Owners is second overall in our rating of the best car insurance companies and No. 1 in multiple subcategories we researched: customer loyalty, most likely to be recommended, and most likely to be renewed. It is second, behind only USAA, in all other subcategories we looked at, including customer service and claims handling.

Its rates are cheaper than the national average in most driver categories in our analysis – including its sample costs for teen drivers and drivers with a DUI, two groups of motorists that are typically costly to insure.

Auto-Owners sells car insurance policies in the following states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.

3. Nationwide

Nationwide is No. 3 in our rating, with an overall score of 4.1 out of 5. It is No. 3 in multiple subcategories we looked at, including customer service, customer loyalty, most likely to be renewed and most likely to be recommended. In each case, it is ranked behind only USAA and Auto-Owners, the top two companies in our rating of the best car insurance companies.

The company also received positive feedback from survey respondents in terms of claims handling, with 59% indicating they were completely satisfied with how their claim was resolved.

In our report on the cheapest car insurance companies, Nationwide has the fourth-lowest overall average rate we found, behind USAA, Erie, and Auto-Owners.

4. State Farm

State Farm, with a score of 4.0 out of 5, finished at No. 4 in our rating. The company is in the top half of companies researched in all of the subcategories in our rating, including customer service, claims handling, and customer loyalty. State Farm’s overall sample premium is higher than six of the 10 companies in our rating and is just above the national average. Its rates are below the national average in a number of specific driver categories we analyzed, including for people with blemishes on their driving records, like a speeding ticket, accident, or DUI.

5. Geico

Geico is No. 5 in our rating of the best car insurance companies with an overall score of 3.9 out of 5. It finished near the middle of the pack in many of the subcategories we analyzed, such as customer service and claims handling, but was No. 4 in our rating of companies most likely to be recommended and also No. 4 among the best car insurance companies for seniors.

The company’s sample rates are the fifth-lowest among the companies we reviewed, coming in below the national average. It also has rates lower than the national average for many groups of drivers in our analysis.

6. Allstate

Allstate tied for fifth in most likely to be recommended, is tied for sixth in customer loyalty, and is No. 6 in most likely to be renewed. It scored better among the best car insurance companies for discounts, tying for fourth. Allstate has the highest average rate among companies we reviewed, and its sample premiums are above the national average in all driver categories we researched.

7. American Family

American Family is tied at No. 6 in our overall rating of the best auto insurers with a score of 3.8 out of 5. It is third in claims handling and fifth for customer service, but finished lower (10th) in customer loyalty. It was No. 3 in the rating of best car insurance companies for discounts. The company's sample premiums are just below the national average for drivers with a DUI, but in most other driver categories its rates are just above the national average.

American Family car insurance is available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.

8. Farmers

Farmers is eighth in our overall rating of the best car insurance companies. The company is tied at No. 7 for customer service, is No. 8 in claims handling, and is tied at No. 4 for customer loyalty. Farmers has some of the highest rates on average in our analysis. Its overall sample premium is the second-highest among the 10 companies we reviewed, and is more than $1,100 above the national average.

9. Progressive

Progressive is tied for ninth, with Erie, in our rating of the best car insurance companies. It finished at or near the bottom in many of the subcategories we analyzed, including customer service (No. 10), claims handling (No. 10), and customer loyalty (No. 9). It is sixth in the rating of best car insurance companies for seniors, and tied at No. 7 for discounts.

Our rate analysis found that Progressive’s costs are lower than the national average in most driver categories, and it has the cheapest rates in our study for drivers with a DUI on their record.

10. Erie

Erie is tied with Progressive at No. 9 on our list of the best auto insurers. In several of the subcategories we researched, Erie finished at or near the bottom – but is tied at No. 6 for claims handling, and is No. 3 among the best car insurance companies for seniors. It is the eighth-rated company for customer loyalty, most likely to be recommended, and most likely to be renewed.

Where Erie really stands out is cost. It has some of the lowest sample premiums in our analysis across most driver categories we studied, and is least expensive for teen drivers, generally the most expensive age group to insure. Its car insurance policies are only available in 12 states and Washington, D.C.

Erie car insurance state availability: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, Washington, D.C., West Virginia, and Wisconsin.