Table of contents
- Best companies
- Buying tips
- Best by state
- Average cost
- Coverage you need
- FAQs
Table of contents
- Best companies
- Buying tips
- Best by state
- Average cost
- Coverage you need
- FAQs
Quick Facts
State Farm is our best overall choice for its low rates and great customer service.
NJM is a regional insurer but has excellent ratings and affordable rates.
American Family has more than 18 discounts that can help lower premiums.
The cheapest car insurance doesn’t always equal the best car insurance. Finding the right auto insurance means considering your lifestyle, driving habits, coverage needs, and budget, but these insurers show it’s possible to find low rates without sacrificing quality.
Finding the best car insurance company for you can be time-consuming, but comparing rates will always help you find the best fit. Insurify analyzed 155 insurance companies, considered 19 data points on factors like financial strength, customer satisfaction, and affordability, and chose our top seven so you know where to start as you’re looking for coverage.
Best car insurance companies
The best insurance company for you depends on your needs, but we prioritized a quality customer experience and affordable premiums. Our editorial team reviewed company complaint information, customer satisfaction rates, financial strength, and availability. Affordability strongly factors into our analysis, so these insurers also have competitive average rates below the monthly national averages of $105 for liability-only and $214 for full-coverage car insurance.
| Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | Best For |
|---|---|---|
| State Farm | 4.7 | Overall |
| American Family | 4.7 | Discount seekers |
| Nationwide | 4.4 | Low-mileage drivers |
| GEICO | 4.4 | Drivers with an incident |
| Travelers | 4.5 | Young drivers |
| USAA | 4.6 | Military members |
| NJM | 4.6 | Mid-Atlantic region drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
State Farm: Best overall car insurance
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 842 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
State Farm is our best overall insurer because it ranks highly for customer service and offers some of the best rates and multiple discounts. Its car insurance rates are well below the monthly national average, per Insurify data.
State Farm received the best customer satisfaction and insurance shopping experience ratings from consumer insights agency J.D. Power in 2023.[1][2] It’s widely available as the largest U.S. insurer by market share and has a below-average company complaint index, according to the National Association of Insurance Commissioners (NAIC).
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Read our State Farm review
Charles
- June 18, 2024
Verified
Poor
They raised the rates by $30 a month within 6 months.
Eric
- June 18, 2024
Verified
Very Unhappy
My only tip I can give others is don't get State Farm insurance! They have raised my rates twice this year, forty dollars each time. I have a perfect driving record and I'm over 55, yet I have never been in an accident.
Janet
- June 18, 2024
Verified
Appraisal of Claim
Great!
…
American Family: Best for discount seekers
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 840 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $172/mo |
American Family offers 18 discounts, the most out of our top insurers. Drivers can secure more savings with standard options like multi-vehicle, good student, and good driving discounts. American Family also offers generational, young volunteer, low-mileage, auto-pay, and loyalty discounts.
Though American Family only offers insurance in 19 states, it’s known for its quality customer service, affordable rates, and many discounts. It has a low company complaint index with the NAIC and ranks highly for customer satisfaction and insurance shopping experience, according to J.D. Power.
American Family has competitive average rates, Insurify data shows, and drivers who take advantage of available discounts can save even more on their premiums.
Pros
High rates of customer satisfaction
Numerous discount and coverage options
Cons
Only available in 18 states
Rates are merely moderate compared to other insurers
Read our American Family review
Teresa
- June 18, 2024
Verified
Premiums Keep Skyrocketing for Everyone, Not Just Those Experiencing Losses
It's too costly!
Andrew
- June 17, 2024
Verified
Excellent
Excellent, thus far.
Felbert
- June 17, 2024
Verified
I haven't had any incidents so I can't rate them! They just take my payment every month! It's too high for part-time car usage!
I haven't had any incidents so I can't rate them! They just take my payment every month! It's too high for part-time car usage!
…
Nationwide: Best for low-mileage drivers
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 815 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $186/mo |
If you drive infrequently or only short distances, a pay-per-mile program like Nationwide’s SmartMiles could be a good fit. We chose Nationwide because it’s the most widely available pay-per-mile program and ranks higher than other usage-based insurers, like MetroMile and Mile Auto.
Nationwide’s example driver would pay $133 per month for a traditional policy but would pay $95 with SmartMiles, which includes a $60 base rate and $0.07 per-mile rate for 500 miles per month.[3]
Customer reviews are mixed, but it ranks third among large insurers for shopping experience and has a below-average company complaint index, according to J.D. Power and the NAIC, respectively.
Pros
Numerous discount and savings opportunities
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Cons
Not available in every state
Some discounts and programs not available in all states
Read our Nationwide review
Anthony
- June 17, 2024
Verified
Expensive
I don't have anything bad to say other than they have become very expensive.
Charles
- June 17, 2024
Verified
More than Twice the Price!
I have been a Nationwide client for my cars, boats, and homes since 1973. Recently, I received a notice that the company is dropping us this fall for no apparent reason; no claims, always paid on time, 5-year-old metal roof, etc. Upset, I decided to drop my other policies as well. I was shocked to discover that for the exact same coverage, Nationwide has been charging us more than double! Despite their great service, and despite having recommended them to many other people, I obviously switched to Progressive. It seems that loyalty means nothing to Nationwide!
Nikolai
- June 15, 2024
Verified
Pricing
It's all good, but too expensive now!
…
GEICO: Best for drivers with an incident
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 835 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
GEICO offers competitive rates, period. But its average insurance premiums for high-risk drivers are less than half the national average for that category, Insurify data shows. Drivers with an incident pay an average of $63 monthly for minimum coverage and $139 for full-coverage insurance.
GEICO can also file SR-22 or FR-44 forms with state motor vehicle departments on your behalf, and it offers numerous discounts that can further lower your premium. GEICO, the third-largest U.S. auto insurer by market share,[4] is available in all 50 states, offers multiple insurance products, and scores high for customer satisfaction and financial strength, making it a popular choice for auto insurance.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Read our GEICO review
James
- June 18, 2024
Verified
Struggling to Get Adequate Coverage
It's too expensive for what you're getting. We are retired and drive very little. We want a policy that will cover that.
Wanda
- June 18, 2024
Verified
Never received insurance cards, had to always request them
If you're looking for something temporary, this might work for you, but be prepared for price adjustments that may not be worth it. I was rear-ended, which wasn't my fault, yet they increased my rate. When I tried to understand why, no one responded to me.
Elizabeth
- June 18, 2024
Verified
Sadly, I have to leave Geico due to an outrageous price hike
It's too expensive for 16-year-old drivers.
…
Travelers: Best for young drivers
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 829 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $90/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $195/mo |
Travelers’ competitive rates and student discounts make it a great choice for young drivers. Travelers’ rates for teen drivers aren’t the cheapest out there, but they’re still below the national average for that age group, at $163 for liability only and $352 for full coverage.
Teens can lower their premiums further with good student and driver training discounts, and families with teen drivers attending school more than 100 miles away can qualify for a discount. Travelers ranks highly for financial strength and received average scores for customer satisfaction, shopping experience, and complaints, according to AM Best, J.D. Power, and the NAIC.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
Read our Travelers review
James
- June 18, 2024
Verified
Yes to Traveler's!
I am not changing!
Kevin
- June 15, 2024
Verified
Travelers Insurance Excellent Online Tools
The only issue was that the rate increased too much when new drivers were added.
…
USAA: Best for members of the military community
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 880 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
USAA offers insurance products only to active-duty military members, veterans, and their families, but it has some of the cheapest rates. While some other insurers, like GEICO, offer discounts to military personnel, USAA is the only one that exclusively sells policies to military members. It’s especially competitive for good drivers and offers special discounts, like for living on a military base.
Average monthly rates for USAA car insurance are less than half the national averages, Insurify data shows. USAA scores well for customer satisfaction and shopping experience with J.D. Power. Customer reviews are mixed though,[5] and it has an above-average number of complaints with the NAIC.
Pros
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Read our USAA review
John
- June 18, 2024
Verified
USAA is tough to beat
I have yet to receive a quote that beats USAA!
Jonvai
- June 17, 2024
Verified
Excellent
Just call them, they are extremely helpful.
Judith
- June 17, 2024
Verified
Excellent
Excellent, but I have no experience with claims, which is good.
…
NJM: Best for mid-Atlantic region drivers
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $33/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $54/mo |
NJM offers insurance products only in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania, but if you live in one of those states, NJM is a great choice. NJM consistently has some of the lowest rates, according to Insurify data, but that doesn’t mean customers sacrifice quality. Its average monthly rates are a third of the national average. It has a very low NAIC complaint index, excellent customer reviews, and an A+ (Superior) financial strength rating from AM Best.
Pros
High scores from J.D. Power for customer satisfaction
Numerous discounts available to help lower rate
Cons
Only available in five states
Cheaper rates may be available elsewhere
Read our NJ Manufacturers review
Grigoriy
- June 1, 2024
Verified
Just after money, but found another. Now they're all together
They are very expensive. It's not clear why?
James
- May 17, 2024
Verified
Excellent
Shop around for price.
Rodney
- March 6, 2020
Verified
Average
They were expensive, but they honored a claim.
How to find the best car insurance for you
Lifestyle and unique driver profiles factor significantly into what the best car insurance would be for you. These are some things to consider as you look for the right policy:
Coverage levels
The legally required minimum liability coverage differs by state, but insurance professionals generally recommend buying more than the minimum liability for greater financial protection. And if you lease or finance your car, your leasing company or lender will require you to have full coverage. Research to understand what you do and don’t need.
Discounts
Most insurers offer discounts for bundling policies, insuring multiple vehicles, driving safely, and more. Look for an insurer with discounts that apply to you. You may qualify for multiple discounts that could add up to significant savings.
Driving habits
Your driving record affects your rates, and whether you have a clean record or a history of incidents will inform which insurer is right for you. If you don’t drive much or very far, a pay-per-mile or pay-as-you-go car insurance policy might be the best option.
Location
Where you live affects your premiums. Factors like population density and accident, fatality, and vehicle crime rates can affect the price of car insurance. Regional insurers in your state may offer competitive rates and discounts, so it can pay to look locally.
Comparing quotes
Shopping around can help you find the right coverage, discounts, and insurers for your needs.
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Best car insurance company by state
Car insurance rates and available discounts can vary from state to state, so comparing quotes will help you sort through national and regional insurance companies to find the best policy for you. For this table, we chose insurers with competitive rates, superior coverage options, ample discounts, good financial strength, and customer service to identify the best cheap car insurance rates for each state.
| State | Best Insurance Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|
| Alabama | State Farm | 9.3 |
| Alaska | State Farm | 9.3 |
| Arizona | Auto-Owners | 8.5 |
| Arkansas | State Farm | 9.3 |
| California | GEICO | 9.0 |
| Colorado | State Farm | 9.3 |
| Connecticut | State Farm | 9.3 |
| Delaware | State Farm | 9.3 |
| Florida | State Farm | 9.3 |
| Georgia | Auto-Owners | 8.5 |
| Hawaii | State Farm | 9.3 |
| Idaho | Safeco | 8.3 |
| Illinois | Auto-Owners | 8.5 |
| Indiana | State Farm | 9.3 |
| Iowa | Auto-Owners | 8.5 |
| Kansas | Safeco | 8.3 |
| Kentucky | State Farm | 9.3 |
| Louisiana | State Farm | 9.3 |
| Maine | State Farm | 9.37 |
| Maryland | Safeco | 8.3 |
| Massachusetts | Travelers | 9.0 |
| Michigan | Auto-Owners | 8.5 |
| Minnesota | Safeco | 8.3 |
| Mississippi | State Farm | 9.3 |
| Missouri | State Farm | 9.3 |
| Montana | Safeco | 8.3 |
| Nebraska | State Farm | 9.3 |
| Nevada | GEICO | 9.0 |
| New Hampshire | GEICO | 9.0 |
| New Jersey | NJM | 9.4 |
| New Mexico | State Farm | 9.3 |
| New York | Safeco | 8.3 |
| North Carolina | Erie | 9.0 |
| North Dakota | Safeco | 8.3 |
| Ohio | State Farm | 9.3 |
| Oklahoma | State Farm | 9.3 |
| Oregon | Safeco | 8.3 |
| Pennsylvania | State Farm | 9.3 |
| Rhode Island | GEICO | 9.0 |
| South Carolina | Progressive | 8.4 |
| South Dakota | CSAA | 7.6 |
| Tennessee | State Farm | 9.3 |
| Texas | GEICO | 9.0 |
| Utah | State Farm | 9.37 |
| Vermont | State Farm | 9.3 |
| Virginia | State Farm | 9.3 |
| Washington | State Farm | 9.3 |
| Washington, D.C. | GEICO | 9.0 |
| West Virginia | State Farm | 9.3 |
| Wisconsin | State Farm | 9.3 |
| Wyoming | Safeco | 8.3 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Average cost of car insurance
The average cost of car insurance is increasing. Rates rose by 24% in 2023, and Insurify predicts another 7% increase in 2024. The current national averages are $105 per month for liability only and $214 for full coverage.
 "7 Best Car Insurance Companies (June 2024) | Insurify (20)")
While the national average is increasing, rates vary widely among insurers and across geographic areas. Many drivers can get much lower rates, so it’s always worth comparing quotes if you’re looking for the cheapest car insurance. These are the national average liability-only and full-coverage car insurance rates by insurer.
The below rates are estimated rates current as of:
Tuesday, June 18 at 12:00 PM PDT
.
Data reviewed by
Konstantin Halachev
 "7 Best Car Insurance Companies (June 2024) | Insurify (21)")
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Read Editorial Guidelines
View Full Bio
| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $19 | $42 |
| NJM | $33 | $54 |
| Auto-Owners | $37 | $79 |
| USAA | $46 | $100 |
| Hugo | $52 | $62 |
| Erie | $54 | $92 |
| State Farm | $55 | $119 |
| GEICO | $55 | $121 |
| Mile Auto | $60 | $112 |
| Allstate | $63 | $138 |
| Metromile | $73 | $117 |
| Safeco | $74 | $134 |
| National General | $77 | $160 |
| American Family | $77 | $172 |
| Progressive | $78 | $134 |
| Mercury | $82 | $159 |
| Dairyland | $84 | $229 |
| Nationwide | $85 | $186 |
| CSAA | $86 | $130 |
| Root | $87 | $128 |
| Clearcover | $88 | $144 |
| Travelers | $90 | $195 |
| State Auto | $94 | $191 |
| Direct Auto | $98 | $193 |
| Elephant | $102 | $187 |
| Shelter | $107 | $200 |
| Liberty Mutual | $108 | $225 |
| The Hartford | $111 | $176 |
| Farmers | $112 | $249 |
| Chubb | $114 | $244 |
| The General | $114 | $242 |
| 21st Century | $119 | $258 |
| Commonwealth Casualty | $120 | $313 |
| GAINSCO | $125 | $281 |
| AssuranceAmerica | $126 | $220 |
| Bristol West | $127 | $279 |
| Foremost | $138 | $284 |
| Amica | $166 | $280 |
| Infinity | $183 | $247 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Why is car insurance so expensive?
Numerous factors, including the rising cost of repairs, more severe car accidents,[6] and increasingly extreme weather events, contributed to record losses for insurers. Regional legislation and insurance fraud may have also led to higher rates in New York, Nevada, and Florida, the most expensive states for car insurance, per Insurify data.
Car insurance is also becoming less affordable: Rates increased 638% more than wages in 2023, and low-income states were hit hardest, Insurify research shows. Drivers in Mississippi, the lowest-income state in the country, spend 3.4% of their income on car insurance, while Utah drivers spend 1.8%, according to an Insurify analysis of U.S. Census Bureau data.
With many factors influencing premiums, it’s a good idea to compare car insurance quotes to find coverage that fits your needs.
How much car insurance coverage you need
State laws require minimum liability coverage in every state but New Hampshire, and even then there are some financial requirements. You need to buy at least your state’s minimum coverage, but if you want more financial protection in the event of an accident or weather damage, you’ll need to purchase more coverage.
If you finance or lease your vehicle like most U.S. drivers, your lender will require full coverage. Drivers with rare or higher-value cars may want additional protection even if they own the car outright, because repairs will be more specialized and expensive.
Types of car insurance coverage
Here are some common coverage options so you know what you need and don’t pay for what you don’t.
Liability only
This covers bodily injury and property damage you cause to someone else. Every state but New Hampshire requires some amount of liability coverage.
Full coverage
This typically includes collision and comprehensive coverage in addition to liability insurance. Collision covers damage to your car in an accident, even if you’re at fault, and comprehensive covers damage to your car from non-collision incidents.
Uninsured/underinsured motorist
Uninsured motorist coverage pays for damage from hit-and-run accidents and protects you if the at-fault driver has no coverage. Underinsured motorist coverage protects you if the at-fault driver has too little coverage to pay for your injuries and damages.
Personal injury protection (PIP)
This typically covers medical expenses, lost wages, and funeral expenses for you and your passengers, no matter who’s at fault. If you live in a no-fault state, PIP may be part of your minimum coverage requirements.
Medical payments (MedPay)
This add-on helps pay for medical and funeral expenses for you and your passenger in an accident, even if you’re at fault.
Guaranteed asset protection (gap)
Gap insurance covers the difference between your outstanding loan or lease balance and your claim payout if your car is declared a total loss following an accident.
Accident forgiveness coverage
This insurance add-on can prevent your premium from increasing after your first at-fault accident.
State-minimum vs. full coverage
Car insurance ideally protects you financially when something unexpected happens, whether it’s an accident or a flood. The right coverage for you depends on your budget and financial flexibility, location, driving history, and type of vehicle.
If you practice safe driving habits, live in a less populated area, drive a paid-off vehicle, and have the assets to cover significant unexpected expenses, a liability-only policy could be a good option to save money. If you live in an area prone to natural disasters, lease or finance your vehicle, or live in an area with high accident or vehicle crime rates, then a full-coverage policy with comprehensive insurance will ensure you’re not paying out of pocket if a weather event damages your car.
Cheapest recent rates
Recent car insurance prices for BMW, Jeep, Ford, and more. Insurify features quotes from 70+ carriers including GEICO, Progressive, and Certainly.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 19, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 19, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best car insurance FAQs
If you’re not quite ready to begin comparing car insurance quotes or to call an agent, here’s some more information to answer your questions and help you find the best car insurance.
What is the best car insurance?
Comparing quotes will help you find the best choice for you, but State Farm is our pick for best overall insurer for its competitive rates and excellent customer service. It ranks at the top in 26 states. American Family has 18 discounts, so you can qualify for more savings on top of its already affordable rates. If you’re a driver in the mid-Atlantic region, NJM has quality customer service and consistently low rates.
What is the cheapest car insurance?
The cheapest car insurance rates are typically for liability-only policies, but it’s still possible to find full-coverage rates below the national average. The cheapest car insurance companies are COUNTRY Financial, NJM, and Auto-Owners. Their liability-only rates start at $19, $33, and $37 per month, respectively. Qualifying for discounts will also help you get the least expensive rates.
Which company has the best car insurance for teens?
Travelers is a great choice for teen drivers on their own policy. Though some regional insurers offer more competitive rates, Travelers’ rates are still below the national average for teen drivers. Teens can further lower premiums with good student and driver training discounts.
Which insurer has the best car insurance for drivers with an incident?
Our editorial team chose GEICO Insurance Agency as the top insurer for drivers with an incident on their record. It’s widely available, scores well for customer satisfaction and financial strength, and has competitive rates for drivers with an incident. GEICO can also file SR-22 or FR-44 forms on your behalf.
What car insurance discounts should you look for?
Consider discounts whenever you’re comparing policies. Insuring multiple vehicles, having a clean driving record, being a good student, serving in the military, equipping your car with anti-theft systems, and more could earn you a discount. You could also save by bundling your home or renters insurance with your auto policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- J.D. Power. "J.D. Power 2023 Auto Insurance Study."
- J.D. Power. "J.D. Power 2023 U.S. Insurance Shopping Study."
- Nationwide. "SmartMiles."
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2023 Top 25 Groups and Companies by Countrywide Premium."
- Trustpilot. "USAA Reviews."
- U.S. Department of Transportation, National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities For the First Quarter of 2023."
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Julia TaliesinContent Writer
Julia Taliesin is a Content Writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
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Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Reviewed byMark FriedlanderDirector, Corporate Communications
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20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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