Car insurance companies to compare
To choose a car insurance company, you need to take the time to learn about your options and compare car insurance companies that are available in your area and meet your needs. To make it easier, our experts have gathered details on the top auto insurance companies in the U.S. Find out what each offers and compare auto insurance companies side-by-side so you can make an informed choice.
If you want to start with the best car insurance companies, our top companies for 2025 include Travelers, Nationwide and GEICO.
Compare the biggest car insurance companies in 2025
The five biggest car insurance companies, based on market share, and their average annual rates are:
- State Farm: $1,984
- Progressive: $1,998
- Berkshire Hathaway (GEICO): $1,763
- Allstate: $2,509
- USAA: $1,380
How to choose the best car insurance company for your needs
To choose the best car insurance company for your needs, compare car insurance companies on several factors:
- Rates. Compare quotes for your specific coverage needs from multiple companies to find the best deal.
- Customer service. Consider ratings like J.D. Power’s annual study as well as our annual Best Car Insurance Companies rating.
- Financial stability. Look for a company with a solid AM Best rating; the best companies have an A or better.
- Claims service. Look for a company that has a good reputation for handling claims. Both J.D. Power and our own car insurance company ranking look at claims satisfaction.
- How you get service. Many insurance companies today offer most services online, but if you prefer to have someone who is there to help you, consider a company that uses agents.
Why you should compare car insurance companies
Comparing car insurance companies ensures you are not only getting the best deal on car insurance, but that you are also getting the coverage you need from a company you can trust.
Car insurance companies differ in a lot of ways, including:
- The coverage options they offer.
- How they weigh different rating factors, including tickets and accidents.
- Bundling options for different policies that can save you money.
- How they service your policy; some use agents and some don’t.
car insurance companies
Auto insurance FAQ
How do I choose the best car insurance company?
To find the best car insurance company for you, start with our top-rated companies. It's important to compare car insurance companies on more than just rates; compare each company's reputation for customer service, claims satisfaction and financial stability so you can be confident in your choice.
How much car insurance do I need?
You have to carry at least the minimum coverage required in your state. However, these limits are low and won't protect you in even a moderately serious accident. You also have to carry comprehensive and collision if you have a loan or lease; it's a good idea either way if you can't afford to repair or replace your car out of pocket. A car insurance coverage calculator makes it easy to find the right coverage.
What car insurance discounts should I look for?
Look for discounts that fit your situation. If you don't drive much, ask about low mileage discounts. If you have a teen driver, ask about driver education discounts or good student discounts. Some of the most common auto insurance discounts include:
- Bundling discount (multi-policy)
- Safe driving discount
- Loyalty discount
- Accident-free discount
- Paperless discount
- Good student
What are the 10 best insurance companies?
According to our annual study, the top eight national carriers are:
- Travelers
- Nationwide
- GEICO
- State Farm
- Progressive
- Amica
- Farmers
- Allstate
Although not ranked because it’s only for military drivers, USAA scored well enough to be in the top 10 if it was, and the top regional insurance company is Erie, rounding out our picks for the 10 best car insurance companies.
Sources:
- National Association of Insurance Commissioners. “NAIC Releases 2024 market share data.” Accessed April 2025.