Travelers is the top-rated car insurance company in our latest analysis of providers in the U.S. Consumers looking to save the most money will find the cheapest rate with GEICO. Updated: September 7, 2026 Advertising & Editorial Disclosure Best Car Insurance Companies Best Car Insurance Companies Rated Best Overall: Travelers Most Affordable: GEICO Best for Customer Service: Amica Best for Coverage: Progressive Best for Young Drivers: State Farm What to Look For Coverage Options The Cost of Car Insurance Best Car Insurance by State MoneyGeek analyzed thousands of data points, including sample rates from ZIP codes in all 50 states and Washington, D.C., to rate the best car insurance companies. No single provider is best for every driver; the right choice depends on your driver profile, credit score, state and coverage needs. Best Car Insurance Companies Best Overall: Travelers Most Affordable: GEICO Best for Customer Service: Amica Best for Coverage Options: Progressive Best for Young Drivers: State Farm Get the best rate for your coverage needs. Compare quotes from top insurance companies. Best Car Insurance Companies Rated Best Overall: Travelers Average Monthly Full Coverage Rate $98 Based on our methodology's base profile for a 100/300/100 liability and $1,000 deductible comprehensive and collision policy Average Monthly Full Coverage Rate Average Monthly Minimum Coverage Rate $50 r methodology's base profile for a state minimum liability coverage policy. Average Monthly Minimum Coverage Rate Agent Service Rating 4.2/5 Aggregated from ratings for independent and captive agents representing and selling Travelers car insurance policies Agent Service Rating Unique Coverage Option New car replacement Unique Coverage Option Pros & Cons pros Very affordable rates regardless of coverage level Second-best customer experience out of all national providers Good selection of add-on coverage options cons Not the most affordable in all states Very affordable rates regardless of coverage level Very affordable rates regardless of coverage level Second-best customer experience out of all national providers Second-best customer experience out of all national providers Good selection of add-on coverage options Good selection of add-on coverage options Not the most affordable in all states Not the most affordable in all states What We Like About Travelers Travelers has the top overall score because affordability, weighted at 60% of our rating, rewards carriers that balance near-best rates with strong service. GEICO beats it on price. Amica beats it on customer experience. No carrier beats it on both. It ranks second nationally for rates and customer experience. New car replacement is one option most carriers either skip or cap at two years. Travelers doesn't offer online quotes or policy management. You'll need to go through an agent, which rules it out for buyers who want a fully digital experience. Travelers has the top overall score because affordability, weighted at 60% of our rating, rewards carriers that balance near-best rates with strong service. GEICO beats it on price. Amica beats it on customer experience. No carrier beats it on both. It ranks second nationally for rates and customer experience. New car replacement is one option most carriers either skip or cap at two years. Travelers doesn't offer online quotes or policy management. You'll need to go through an agent, which rules it out for buyers who want a fully digital experience. Cost Travelers costs $98 a month for full coverage on a clean record, 28% below the national average and cheaper than every major competitor except GEICO. That's $312 to $360 less a year than State Farm and Progressive. Minimum coverage is second nationally at $50 a month, behind GEICO. Travelers loses its pricing edge with high-risk drivers: a DUI pushes rates higher. At $161 a month after a DUI, Progressive is the better value. Travelers ranks first for affordability among adult male drivers with a clean record and good credit on a 100/300/100 policy, and second nationally across all driver profiles. Travelers costs $98 a month for full coverage on a clean record, 28% below the national average and cheaper than every major competitor except GEICO. That's $312 to $360 less a year than State Farm and Progressive. Minimum coverage is second nationally at $50 a month, behind GEICO. Travelers loses its pricing edge with high-risk drivers: a DUI pushes rates higher. At $161 a month after a DUI, Progressive is the better value. Travelers ranks first for affordability among adult male drivers with a clean record and good credit on a 100/300/100 policy, and second nationally across all driver profiles. Customer Experience Second place in customer experience goes to Travelers, but first belongs to Amica, a carrier built entirely around service. Travelers beats Amica on multi-platform sentiment: 4.7 out of 5 across review sites, social media and forums, the highest of any national carrier we tracked. Agent service scores 4.2, and customer reviews back it up: claims go through without the runaround found in GEICO and Progressive complaint threads. Rating Category MoneyGeek Score (Out of 5) National Rank Overall Customer Experience 4.79 2 Google Business Rating N/A N/A Agent Network Service 4.2 4 Multi-Platform 4.7 1 Second place in customer experience goes to Travelers, but first belongs to Amica, a carrier built entirely around service. Travelers beats Amica on multi-platform sentiment: 4.7 out of 5 across review sites, social media and forums, the highest of any national carrier we tracked. Agent service scores 4.2, and customer reviews back it up: claims go through without the runaround found in GEICO and Progressive complaint threads. Overall Customer Experience Google Business Rating Agent Network Service Coverage Options New car replacement is Travelers' best coverage option. The window is longer than anywhere else: five years, compared to the one-to-two-year cap most carriers set. If you total a car you bought three years ago, you get a new one instead of a depreciated payout. Travelers also offers rideshare coverage and accident forgiveness. Both coverages are available from only five national carriers. If you drive for Uber or Lyft and want one policy for personal and commercial use, Travelers is one of those five. New car replacement is Travelers' best coverage option. The window is longer than anywhere else: five years, compared to the one-to-two-year cap most carriers set. If you total a car you bought three years ago, you get a new one instead of a depreciated payout. Travelers also offers rideshare coverage and accident forgiveness. Both coverages are available from only five national carriers. If you drive for Uber or Lyft and want one policy for personal and commercial use, Travelers is one of those five. Most Affordable: GEICO Average Monthly Full Coverage Rate $97 Based on a 100/300/100 liability policy with $1,000 deductible comprehensive and collision coverage, per MoneyGeek's base profile methodology Average Monthly Full Coverage Rate Average Monthly Minimum Coverage Rate $43 Based on a state minimum liability policy, per MoneyGeek's base profile methodology Average Monthly Minimum Coverage Rate Agent Service Rating 4.2/5 Reflects aggregated ratings from independent and captive agents who represent and sell GEICO car insurance policies Agent Service Rating Unique Coverage Option Mechanical breakdown insurance Unique Coverage Option Pros & Cons pros Cheapest rates overall Great agent customer service scores cons Small selection of add-on coverages Long call waits and mixed reception on claims service Cheapest rates overall Cheapest rates overall Great agent customer service scores Great agent customer service scores Small selection of add-on coverages Small selection of add-on coverages Long call waits and mixed reception on claims service Long call waits and mixed reception on claims service What We Like About GEICO GEICO is the best option when price is your top priority. No national carrier beats $43 a month for minimum coverage or $97 for full coverage. Claims service reviews are mixed: some customers report longer hold times by phone. Add-on options are fewer than at other carriers on our list, so GEICO isn't the right fit if your coverage needs are complex. GEICO is the best option when price is your top priority. No national carrier beats $43 a month for minimum coverage or $97 for full coverage. Claims service reviews are mixed: some customers report longer hold times by phone. Add-on options are fewer than at other carriers on our list, so GEICO isn't the right fit if your coverage needs are complex. Cost At $97 a month for full coverage and $43 for minimum, GEICO charges the lowest rates of any national carrier we analyzed. Travelers is the only carrier that comes close, at $98 a month. A DUI pushes GEICO rates to around $200 a month. Progressive's accident forgiveness and Snapshot programs bring its DUI rate down to $161 a month, third-lowest nationally. For drivers with a clean record and good credit, no national carrier beats GEICO on price. At $97 a month for full coverage and $43 for minimum, GEICO charges the lowest rates of any national carrier we analyzed. Travelers is the only carrier that comes close, at $98 a month. A DUI pushes GEICO rates to around $200 a month. Progressive's accident forgiveness and Snapshot programs bring its DUI rate down to $161 a month, third-lowest nationally. For drivers with a clean record and good credit, no national carrier beats GEICO on price. Customer Experience Seventh nationally for overall customer experience, GEICO ranks ninth on multi-platform sentiment across review sites, Reddit and social media. The fourth-place agent service score pulls the composite up. Once you file a claim, the difference between that score and your actual experience shows up fast. Customers report long hold times and inconsistent follow-through. Routine claims move through with few problems. Disputed or complicated claims show the gap between GEICO and a service-first carrier like Amica or Travelers. Rating Category MoneyGeek Score (Out of 5) National Rank Overall Customer Experience 4.38 7 Google Business Rating N/A N/A Agent Network Service 4.2 4 Multi-Platform 3.5 9 Seventh nationally for overall customer experience, GEICO ranks ninth on multi-platform sentiment across review sites, Reddit and social media. The fourth-place agent service score pulls the composite up. Once you file a claim, the difference between that score and your actual experience shows up fast. Customers report long hold times and inconsistent follow-through. Routine claims move through with few problems. Disputed or complicated claims show the gap between GEICO and a service-first carrier like Amica or Travelers. Overall Customer Experience Google Business Rating Agent Network Service Coverage Options GEICO has three add-on coverages, the fewest in our top five. Roadside assistance and rental reimbursement are the standard two. The third is mechanical breakdown insurance, which covers repair costs from mechanical failures rather than accidents. It costs less than most extended warranties, and only five national carriers offer it. Owners of aging cars who want mechanical repair coverage without a dealer warranty should price it out. GEICO doesn't offer rideshare coverage, accident forgiveness or custom parts coverage. GEICO has three add-on coverages, the fewest in our top five. Roadside assistance and rental reimbursement are the standard two. The third is mechanical breakdown insurance, which covers repair costs from mechanical failures rather than accidents. It costs less than most extended warranties, and only five national carriers offer it. Owners of aging cars who want mechanical repair coverage without a dealer warranty should price it out. GEICO doesn't offer rideshare coverage, accident forgiveness or custom parts coverage. Best for Customer Service: Amica Average Monthly Full Coverage Rate $115 Based on our methodology's base profile for a 100/300/100 liability and $1,000 deductible comprehensive and collision policy Average Monthly Full Coverage Rate Average Monthly Minimum Coverage Rate $57 Based on our methodology's base profile for a state minimum liability coverage policy Average Monthly Minimum Coverage Rate Agent Service Rating 4.7/5 Aggregated from ratings for independent and captive agents representing and selling Amica car insurance policies Agent Service Rating Unique Coverage Option Auto-glass coverage Unique Coverage Option Pros & Cons pros Highest overall customer service ratings More coverage add-ons than most competitors Very affordable rates for senior drivers cons Not available in Hawaii Higher rates than Travelers and GEICO Highest overall customer service ratings Highest overall customer service ratings More coverage add-ons than most competitors More coverage add-ons than most competitors Very affordable rates for senior drivers Very affordable rates for senior drivers Not available in Hawaii Not available in Hawaii Higher rates than Travelers and GEICO Higher rates than Travelers and GEICO What We Like About Amica Amica is the right carrier for anyone who has had a bad claims experience with another company. It has the highest agent service scores of any national insurer we rated. Customer reviews back that up across every platform we checked. Its rates are higher than Travelers' and GEICO's, but drivers who want reliable claims handling will find the cost difference worth it. Amica calls itself a regional carrier, but it writes policies in all states except Hawaii. Amica is the right carrier for anyone who has had a bad claims experience with another company. It has the highest agent service scores of any national insurer we rated. Customer reviews back that up across every platform we checked. Its rates are higher than Travelers' and GEICO's, but drivers who want reliable claims handling will find the cost difference worth it. Amica calls itself a regional carrier, but it writes policies in all states except Hawaii. Cost At $115 a month for full coverage and $57 for minimum, Amica costs $17 above Travelers and $18 above GEICO for the same policy on a clean record. That gap narrows for drivers over 65: senior rates are competitive with Travelers, and Amica's overall value is higher than the base numbers suggest. If your record has violations, Progressive is the better call. Amica's high-risk rates are higher than Progressive's. At $115 a month for full coverage and $57 for minimum, Amica costs $17 above Travelers and $18 above GEICO for the same policy on a clean record. That gap narrows for drivers over 65: senior rates are competitive with Travelers, and Amica's overall value is higher than the base numbers suggest. If your record has violations, Progressive is the better call. Amica's high-risk rates are higher than Progressive's. Customer Experience No carrier tops Amica for customer experience, and it's not close. Agent service scores 4.7 out of 5, the highest of any carrier we rated. J.D. Power ranks it at the top for overall satisfaction. Customer reviews across Reddit, social media and review sites confirm that. Praise centers on claims handling and policy management. Rating Category MoneyGeek Score (Out of 5) National Rank Overall Customer Experience 5 1 Google Business Rating N/A N/A Agent Network Service 4.7 1 Multi-Platform 4.5 2 No carrier tops Amica for customer experience, and it's not close. Agent service scores 4.7 out of 5, the highest of any carrier we rated. J.D. Power ranks it at the top for overall satisfaction. Customer reviews across Reddit, social media and review sites confirm that. Praise centers on claims handling and policy management. Overall Customer Experience Google Business Rating Agent Network Service Coverage Options Five add-on coverages put Amica third among our top five for variety: roadside assistance, rental reimbursement, gap insurance, auto glass coverage and rideshare or delivery driving coverage. Gap insurance covers the difference between what you owe on a financed vehicle and its actual cash value if it's totaled. Two of the five are harder to find elsewhere. Auto glass coverage eliminates your deductible on windshield and window repairs. Only two national carriers offer it. A windshield replacement costs $400 out of pocket without this coverage. Rideshare or delivery driving coverage fills the gap between your personal policy and what Uber or Lyft provides while you're logged in. Only five national carriers sell it. Five add-on coverages put Amica third among our top five for variety: roadside assistance, rental reimbursement, gap insurance, auto glass coverage and rideshare or delivery driving coverage. Gap insurance covers the difference between what you owe on a financed vehicle and its actual cash value if it's totaled. Two of the five are harder to find elsewhere. Auto glass coverage eliminates your deductible on windshield and window repairs. Only two national carriers offer it. A windshield replacement costs $400 out of pocket without this coverage. Rideshare or delivery driving coverage fills the gap between your personal policy and what Uber or Lyft provides while you're logged in. Only five national carriers sell it. Best for Coverage Options: Progressive Average Monthly Full Coverage Rate $128 Based on our methodology's base profile for a 100/300/100 liability and $1,000 deductible comprehensive and collision policy Average Monthly Full Coverage Rate Average Monthly Minimum Coverage Rate $68 Based on our methodology's base profile for a state minimum liability coverage policy Average Monthly Minimum Coverage Rate Agent Service Rating 4.6/5 Aggregated from ratings for independent and captive agents representing and selling Progressive car insurance policies Agent Service Rating Unique Coverage Option Custom parts and equipment

Unique Coverage Option Pros & Cons pros Widest add-on coverage selection of any top-five carrier Easy online buying experience Large discount selection cons Highest average rates among our top five Widest add-on coverage selection of any top-five carrier Widest add-on coverage selection of any top-five carrier Easy online buying experience Easy online buying experience Large discount selection Large discount selection Highest average rates among our top five Highest average rates among our top five What We Like About Progressive Progressive has the best coverage options of any company in our rating. It offers seven add-ons, including a Deductible Savings Bank, custom parts and equipment coverage for modified vehicles and a Snapshot telematics program for low-mileage drivers. Base rates run higher than the top three. Drivers with violations or bad credit will find better rates here than at any other carrier in our rating. For modified cars, rideshare drivers or anyone with a DUI or at-fault accident on their record, consider Progressive. Progressive has the best coverage options of any company in our rating. It offers seven add-ons, including a Deductible Savings Bank, custom parts and equipment coverage for modified vehicles and a Snapshot telematics program for low-mileage drivers. Base rates run higher than the top three. Drivers with violations or bad credit will find better rates here than at any other carrier in our rating. For modified cars, rideshare drivers or anyone with a DUI or at-fault accident on their record, consider Progressive. Cost For a clean record, Progressive's full coverage rate of $128 a month is the highest among our top five. Minimum coverage is also the group's highest at $68 a month. A DUI moves Progressive to third nationally for affordability at $161 a month. That undercuts Travelers, State Farm and Amica. Snapshot lowers rates for low-mileage drivers, even with violations on file. Drivers with average mileage and no violations will find better prices elsewhere. For a clean record, Progressive's full coverage rate of $128 a month is the highest among our top five. Minimum coverage is also the group's highest at $68 a month. A DUI moves Progressive to third nationally for affordability at $161 a month. That undercuts Travelers, State Farm and Amica. Snapshot lowers rates for low-mileage drivers, even with violations on file. Drivers with average mileage and no violations will find better prices elsewhere. Customer Experience Agent service scores 4.6 out of 5 for Progressive, second nationally. Its online buying experience earns consistent praise. The claims process is the weak point: Progressive ranks eighth across review sites, social media and Reddit. Routine claims move through with few problems. Disputed or complicated claims take longer. Drivers who manage everything online and rarely file claims will find the pricing and tools worth it. Travelers or Amica is a better fit for claims handling at similar or lower prices. Rating Category MoneyGeek Score (Out of 5) National Rank Overall Customer Experience 4.55 4 Google Business Rating 4.3 4 Agent Network Service 4.6 2 Multi-Platform 3.6 8 Agent service scores 4.6 out of 5 for Progressive, second nationally. Its online buying experience earns consistent praise. The claims process is the weak point: Progressive ranks eighth across review sites, social media and Reddit. Routine claims move through with few problems. Disputed or complicated claims take longer. Drivers who manage everything online and rarely file claims will find the pricing and tools worth it. Travelers or Amica is a better fit for claims handling at similar or lower prices. Overall Customer Experience Google Business Rating Agent Network Service Coverage Options Progressive's seven add-ons are the most in our top five. Three are worth knowing: the Deductible Savings Bank, custom parts and equipment coverage and rideshare coverage. The Deductible Savings Bank cuts what you owe by $50 for each claim-free year. Only three national carriers offer it. Custom parts and equipment coverage pays to repair or replace aftermarket modifications like upgraded stereos or custom rims. Just two national carriers sell it. Progressive's rideshare coverage fills the gap between your personal policy and what Uber or Lyft provides. Drivers with modified vehicles or a rideshare gig have more coverage choices here than at any other top-five carrier. Progressive's seven add-ons are the most in our top five. Three are worth knowing: the Deductible Savings Bank, custom parts and equipment coverage and rideshare coverage. The Deductible Savings Bank cuts what you owe by $50 for each claim-free year. Only three national carriers offer it. Custom parts and equipment coverage pays to repair or replace aftermarket modifications like upgraded stereos or custom rims. Just two national carriers sell it. Progressive's rideshare coverage fills the gap between your personal policy and what Uber or Lyft provides. Drivers with modified vehicles or a rideshare gig have more coverage choices here than at any other top-five carrier. Best for Young Drivers: State Farm Average Monthly Full Coverage Rate $124 Based on our methodology's base profile for a 100/300/100 liability and $1,000 deductible comprehensive and collision policy Average Monthly Full Coverage Rate Average Monthly Minimum Coverage Rate $53 Based on our methodology's base profile for a state minimum liability coverage policy Average Monthly Minimum Coverage Rate Agent Service Rating 4.5/5 Aggregated from ratings for independent and captive agents representing and selling State Farm car insurance policies Agent Service Rating Unique Coverage Option Rideshare coverage Unique Coverage Option Pros & Cons pros Great discount programs for young drivers 25 and under Affordable minimum coverage rates More personal agent-only service model cons Higher rates for drivers with bad credit No online quotes Limited add-on options Great discount programs for young drivers 25 and under Great discount programs for young drivers 25 and under Affordable minimum coverage rates Affordable minimum coverage rates More personal agent-only service model More personal agent-only service model Higher rates for drivers with bad credit Higher rates for drivers with bad credit No online quotes No online quotes Limited add-on options Limited add-on options What We Like About State Farm State Farm is the best option for young drivers and households that want a personal agent relationship. The Steer Clear program and good student discount give young drivers a bigger break here than anywhere else. The agent-only model rules out State Farm for anyone who wants to manage everything online. State Farm is the best option for young drivers and households that want a personal agent relationship. The Steer Clear program and good student discount give young drivers a bigger break here than anywhere else. The agent-only model rules out State Farm for anyone who wants to manage everything online. Cost On a clean record, full coverage from State Farm runs $124 a month. Minimum coverage is $53. That puts State Farm fourth among our top five for full coverage, $26 more than Travelers and $27 more than GEICO. State Farm's pricing weakness is bad credit: rates rise faster here than at Progressive or Travelers. For drivers with good credit and a clean record, the agent network and young driver discounts make the price competitive. On a clean record, full coverage from State Farm runs $124 a month. Minimum coverage is $53. That puts State Farm fourth among our top five for full coverage, $26 more than Travelers and $27 more than GEICO. State Farm's pricing weakness is bad credit: rates rise faster here than at Progressive or Travelers. For drivers with good credit and a clean record, the agent network and young driver discounts make the price competitive. Customer Experience No insurer has more agents in more places than State Farm. That network shows up in the numbers: agent service scores 4.5 out of 5. Customer reviews across Reddit and review sites put State Farm sixth among carriers we tracked. The most common complaint is slow claims processing. Rating Category MoneyGeek Score (Out of 5) National Rank Overall Customer Experience 4.48 5 Google Business Rating N/A N/A Agent Network Service 4.5 3 Multi-Platform 3.9 6 No insurer has more agents in more places than State Farm. That network shows up in the numbers: agent service scores 4.5 out of 5. Customer reviews across Reddit and review sites put State Farm sixth among carriers we tracked. The most common complaint is slow claims processing. Overall Customer Experience Google Business Rating Agent Network Service Coverage Options State Farm and GEICO have the fewest add-ons in our top five: three each. Rideshare coverage is the only one not found at most major carriers. State Farm and GEICO have the fewest add-ons in our top five: three each. Rideshare coverage is the only one not found at most major carriers. How to Find the Best Car Insurance Company Insurance companies use different factors to set rates, so your quote will reflect your driver profile. Narrow the rankings to your top options using the steps below, then compare quotes to get your actual rate. If price is your top priority The same coverage from two different insurers can differ by $100 or more a month for the same driver. Your state matters too: regional carriers like Auto-Owners and Erie beat national brands on price in several states, even without the name recognition. Get at least three quotes before deciding. Start with GEICO nationally, then check the state table to see if a regional carrier beats it where you live. If price is your top priority The same coverage from two different insurers can differ by $100 or more a month for the same driver. Your state matters too: regional carriers like Auto-Owners and Erie beat national brands on price in several states, even without the name recognition. Get at least three quotes before deciding. Start with GEICO nationally, then check the state table to see if a regional carrier beats it where you live. If you want the best experience when something goes wrong Price and claims satisfaction don't move together. The cheapest carriers rank lowest on claims handling, and that gap shows up after you file, not before. Amica has the highest agent service score of any national insurer we rated. Its claims handling reputation backs that number up. If you want the best experience when something goes wrong Price and claims satisfaction don't move together. The cheapest carriers rank lowest on claims handling, and that gap shows up after you file, not before. Amica has the highest agent service score of any national insurer we rated. Its claims handling reputation backs that number up. If you want the best balance of price and service Most drivers want a carrier that's priced well and reliable when they need it. No carrier in our rating fits that better than Travelers: second on both affordability and customer experience. Start with a Travelers quote, then pull a GEICO quote alongside it to see whether the $1-a-month price difference holds in your state. If you want the best balance of price and service Most drivers want a carrier that's priced well and reliable when they need it. No carrier in our rating fits that better than Travelers: second on both affordability and customer experience. Start with a Travelers quote, then pull a GEICO quote alongside it to see whether the $1-a-month price difference holds in your state. Know the coverage you need before shopping Before getting quotes, determine how much coverage you need . Use a car insurance calculator and our coverage chart below to compare what you'd pay in your state against the national average. Know the coverage you need before shopping Before getting quotes, determine how much coverage you need . Use a car insurance calculator and our coverage chart below to compare what you'd pay in your state against the national average. Decide if you prefer an agent or want to manage everything online Two of the top five carriers on this page are agent-only. Travelers and State Farm don't offer online quotes or policy management, which rules them out for many drivers regardless of rankings. If you want a fully digital experience, GEICO and Progressive are your best options. The online-only model works best for single drivers or couples with a clean record and straightforward coverage needs. An agent is worth it when you have multiple cars, teenage drivers or a more complex financial situation. Decide if you prefer an agent or want to manage everything online Two of the top five carriers on this page are agent-only. Travelers and State Farm don't offer online quotes or policy management, which rules them out for many drivers regardless of rankings. If you want a fully digital experience, GEICO and Progressive are your best options. The online-only model works best for single drivers or couples with a clean record and straightforward coverage needs. An agent is worth it when you have multiple cars, teenage drivers or a more complex financial situation. Car Insurance Coverage Options An insurer's top rating means little if it doesn't include accident forgiveness, rideshare coverage or new car replacement for your situation. The table below shows which of our top five companies offer each coverage type, followed by an explanation of what each covers and when it's worth having. Bodily injury liability This coverage pays for the other person's medical bills and lost wages if you cause an accident. Every state requires it. The minimum limits are too low for most serious accidents. A serious injury can easily exceed what a $25,000 policy covers, and you're personally responsible for the difference. This coverage pays for the other person's medical bills and lost wages if you cause an accident. Every state requires it. The minimum limits are too low for most serious accidents. A serious injury can easily exceed what a $25,000 policy covers, and you're personally responsible for the difference. Property damage liability This covers the cost of repairing or replacing the other driver's vehicle or property if you're at fault in an accident. Every state requires it. A $25,000 limit may not cover a newer vehicle. Consider raising your limit. This covers the cost of repairing or replacing the other driver's vehicle or property if you're at fault in an accident. Every state requires it. A $25,000 limit may not cover a newer vehicle. Consider raising your limit. Comprehensive Comprehensive provides coverage for damage to your own car caused by something other than a collision: theft, fire, hail, flooding, falling trees and animal strikes. If you live in an area with extreme weather or high vehicle theft rates, this is worth having. Lenders require comprehensive for financed vehicles. Comprehensive provides coverage for damage to your own car caused by something other than a collision: theft, fire, hail, flooding, falling trees and animal strikes. If you live in an area with extreme weather or high vehicle theft rates, this is worth having. Lenders require comprehensive for financed vehicles. Collision Collision pays to repair or replace your vehicle after an accident in which you're at fault. Without it, you'd pay entirely out of pocket. Lenders require collision for financed vehicles. Dropping collision on an older, low-value vehicle can reduce your monthly premium. Collision pays to repair or replace your vehicle after an accident in which you're at fault. Without it, you'd pay entirely out of pocket. Lenders require collision for financed vehicles. Dropping collision on an older, low-value vehicle can reduce your monthly premium. Uninsured motorist Also known as UM coverage , this covers your injuries and vehicle damage when the at-fault driver has no insurance or not enough of it. More than 15% of drivers on the road are uninsured, the Insurance Research Council reports. Without this coverage, you absorb their cost. Also known as UM coverage , this covers your injuries and vehicle damage when the at-fault driver has no insurance or not enough of it. More than 15% of drivers on the road are uninsured, the Insurance Research Council reports. Without this coverage, you absorb their cost. Personal injury protection (PIP) PIP pays your medical bills and a portion of lost wages after an accident, regardless of who caused it. This coverage is required in no-fault states like Florida, Michigan and New York. It can be useful if you don't have strong health insurance. PIP pays your medical bills and a portion of lost wages after an accident, regardless of who caused it. This coverage is required in no-fault states like Florida, Michigan and New York. It can be useful if you don't have strong health insurance. Accident forgiveness Accident forgiveness prevents your rate from going up after your first at-fault accident. Not all insurers offer it. Rates increase an average of 20% to 40% after an at-fault accident. Accident forgiveness eliminates that increase for one incident. Add it if you want to protect your rate after a first mistake. Accident forgiveness prevents your rate from going up after your first at-fault accident. Not all insurers offer it. Rates increase an average of 20% to 40% after an at-fault accident. Accident forgiveness eliminates that increase for one incident. Add it if you want to protect your rate after a first mistake. New car replacement If your new car is declared a total loss , standard insurance pays the depreciated value, not what you paid for it. New car replacement covers the cost of a new equivalent model instead. Travelers' five-year window is the longest of any major carrier. If your new car is declared a total loss , standard insurance pays the depreciated value, not what you paid for it. New car replacement covers the cost of a new equivalent model instead. Travelers' five-year window is the longest of any major carrier. Farmers earns the top coverage score among the companies compared because it goes beyond standard comprehensive protection with add-ons that few competitors match. Unique options include OEM parts coverage for vehicles up to 10 years old, customized equipment coverage for aftermarket upgrades and glass deductible buyback coverage with a $0 deductible option for windshield repairs. Farmers also offers new car replacement if your vehicle is totaled within its first two model years and 24,000 miles, along with a vanishing deductible that decreases with each claim-free period. Our guide on what is a car insurance deductible discusses how different deductibles work. The Cost of Car Insurance Car insurance rates vary more across companies than most drivers realize. The chart below lays out rate comparisons across the full market: two insurers can charge nearly identical rates for one coverage level and differ by $100 or more for another coverage level. Your rate will fall above or below these averages based on your state, age, driving record and credit score. Car insurance premiums have increased 57% since early 2022 and now average $137 a month for full coverage and $67 a month for minimum coverage. The Consumer Price Index , which measures cost of living, is up 29.5% since the middle of 2020. From 2020 to 2025, the average annual income of full-time workers in the U.S. rose 22%, the Bureau of Labor Statistics reports. Insurance costs have risen roughly twice as fast as both inflation and wages. That's why the gap between the cheapest and most expensive carrier on this page, more than $30 a month for the same coverage, matters more now than it did four years ago. Best Car Insurance Companies by State Regional carriers beat national brands on price and service more often than national rankings suggest. They focus on smaller markets, and their agent networks reflect local conditions rather than national averages. The table below covers regional and national carriers for each state. Best Car Insurance: FAQ What is the best car insurance company for young drivers under 25? State Farm is the best car insurance company for young drivers under 25 . The Steer Clear program and good student discount together give young drivers savings no other top-five carrier matches. Travelers is the second-best choice for this age group, with competitive rates and high service scores. What is the best car insurance company for senior drivers over 65? Amica is the best car insurance company for senior drivers over 65 . Its customer experience rating is 5 out of 5, and it ranks second nationally for senior driver affordability . That gap with cheaper carriers narrows as drivers age. Which car insurance companies offer new car replacement coverage? Three national carriers offer new car replacement: Travelers, Farmers and Liberty Mutual. Liberty Mutual isn't included in our top-five rating. Travelers provides the longest window at five years, compared to the one-to-two-year window most competitors offer. Which car insurance companies have rideshare coverage? Five national carriers offer rideshare coverage: Travelers, Amica, Progressive, State Farm and Allstate. It pays for damage and liability costs when a driver is logged into the app and waiting for a ride request. Is a regional car insurance company better than a national company? Regional insurers outperform national carriers in their home markets more than national rankings suggest, with lower prices and higher service scores. Auto-Owners ranks first in 42% of states where it operates. Most regional carriers have fewer digital tools, and buying a policy through them takes longer. Our Methodology MoneyGeek evaluated 70 insurance companies nationwide, including national, regional and local insurers across all U.S. residential areas. Scores reflect three weighted factors: Affordability (60%): Quotes for multiple driver profiles across all states form this score. The baseline profile is a 40-year-old with good credit, a clean record and no prior claims. Profiles for young drivers, seniors and drivers with violations shaped the rankings across demographics. Customer experience (30%): This score draws from Google reviews, J.D. Power ratings, AM Best financial strength scores and forum discussions, separated by state to capture regional differences. Coverage options (10%): This score reflects each provider's range of coverage types and unique policy features. Carriers that go beyond standard liability offerings score higher. See our full methodology . About Mark Fitzpatrick Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance. His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations. Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion . AM Best . " Ratings ." Accessed September 7, 2026 . Insurance Research Council . " Uninsured and Underinsured Motorists: 2017-2023 ." Accessed September 7, 2026 . J.D. Power . 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