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UPDATED DECEMBER 2026

The 10 Best Car Insurance Companies

Progressive, State Farm, and USAA are among the best car insurance companies. But the best company for you depends on your specific needs.

Best Car Insurance Comparison

Compare ratings, prices, and features to find the best car insurance company for your needs.

🏆 BEST OVERALL
1

USAA

Military families

4.9
Our Rating
$76/mo
Avg. Rate
882
J.D. Power
A++AM Best
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2

State Farm

Local agent support

4.7
Our Rating
$89/mo
Avg. Rate
835
J.D. Power
A++AM Best
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3

GEICO

Online shoppers

4.6
Our Rating
$86/mo
Avg. Rate
827
J.D. Power
A++AM Best
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4

Progressive

High-risk drivers

4.5
Our Rating
$134/mo
Avg. Rate
823
J.D. Power
A+AM Best
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5

Allstate

Safe driver rewards

4.4
Our Rating
$107/mo
Avg. Rate
819
J.D. Power
A+AM Best
Get Quote

Detailed Company Reviews

🏆 BEST OVERALL
1

USAA

Best for: Military families

4.9
Our Rating
$76/mo
Avg. Rate

✓ Pros

  • • Lowest rates for members
  • • Excellent customer service
  • • Strong financial rating

✗ Cons

  • • Limited to military members

Ratings

J.D. Power: 882/1000

AM Best: A++

Get Quote
2

State Farm

Best for: Local agent support

4.7
Our Rating
$89/mo
Avg. Rate

✓ Pros

  • • Largest insurer in US
  • • Great bundle discounts
  • • Drive Safe & Save program

✗ Cons

  • • Rates vary by location

Ratings

J.D. Power: 835/1000

AM Best: A++

Get Quote
3

GEICO

Best for: Online shoppers

4.6
Our Rating
$86/mo
Avg. Rate

✓ Pros

  • • Easy online experience
  • • Competitive rates
  • • Many discounts

✗ Cons

  • • No local agents

Ratings

J.D. Power: 827/1000

AM Best: A++

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4

Progressive

Best for: High-risk drivers

4.5
Our Rating
$134/mo
Avg. Rate

✓ Pros

  • • Name Your Price tool
  • • Snapshot program
  • • Accepts high-risk drivers

✗ Cons

  • • Higher average rates

Ratings

J.D. Power: 823/1000

AM Best: A+

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5

Allstate

Best for: Safe driver rewards

4.4
Our Rating
$107/mo
Avg. Rate

✓ Pros

  • • Drivewise rewards
  • • Accident forgiveness
  • • Deductible rewards

✗ Cons

  • • Pricier than average

Ratings

J.D. Power: 819/1000

AM Best: A+

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How We Rated Companies

30%

Price

Average rates across coverage levels

25%

Customer Service

J.D. Power satisfaction scores

25%

Financial Strength

AM Best ratings and stability

20%

Coverage Options

Available discounts and features

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