The Best and Cheapest Car Insurance Companies as Rated by Customers in 2022
SEE FULL RANKINGS IN YOUR STATE
In search of the best car insurance? The list on this page is rankings of the best auto insurance based entirely on customer feedback.
In the table above, you can sort through all the companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 reviews are eligible to appear in the best car insurance rankings table.
Interested in learning more about one of these top car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any insurance discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- How to find the best car insurance
- Who has the best car insurance rates?
- Average car insurance rates by state
- What company has the best car insurance for teenage drivers?
- Top 10 car insurance companies for claims service
- What are the most popular car insurance companies?
- How to get the best car insurance rates
- How much car insurance do I need?
When it comes to finding the best car insurance, there are two primary things that people consider: price and claims reputation. You want a car insurance company that has a strong history of handling claims quickly and properly, but you don't want to pay more than you have to. So how do you identify the best coverage?
We recommend starting with the best car insurance rankings table above. The table is unlike any other you'll find. That's because we have ratings and rankings that are based solely on customer feedback not based on who pays us or our own editorial bias. Each company's rating is based on a variety of customer ratings from the thousands of reviews drivers have written on Clearsurance. We have more detail on how auto insurers are rated below.
Once you've identified a handful of companies that customers have rated among the best car insurance options, you can learn more about what they do well and what they may not do as well by visiting their profile page. On each car insurance company's page, you can see how likely policyholders are to recommend them, how likely they are to renew with them and how many people who have made a claim rated that claims experience positively.
Further, you can read car insurance reviews of that company to learn first-hand the positive and negative experiences that customers have had with the car insurance company that you're considering.
Then there is the price aspect. On this page, we've provided helpful tables that provide a sense of who offers the best car insurance rates, what the average rates are in each state and how you can get the best car insurance.
There are many factors to consider when searching for best car insurance. A few examples of what can affect whether or not you are able to get the best pricing are your age, driving record, gender, credit score, where your car is garaged, regular mileage, where you live, and more. Whether or not you bundled your other auto insurance policies through the same company can also impact whether or not you are able to get best rates. Below you can find a list of the 10 largest car insurance companies in the U.S. with best rates based on national data. The methodology behind this list is explained in further detail below the chart.
Of the 10 largest car insurance companies in the U.S., USAA has the best car insurance rates on average for the driver profiles we created with an average rate of $993 per year. USAA is only eligible to military members and their family members. The best car insurance available to everyone, based on this list, is Geico with an average yearly rate of $1,254. Check out the best auto insurance rates below, but please be aware, this is only based on averages. Your individual car insurance rates may vary significantly based on your unique profile and the coverage you select. Please note: average rate data is not available for Liberty Mutual.
|Rank||Company||Car insurance rates|
To determine the average national rates for these auto insurance companies, we created three driver profiles and got rates for both male and female drivers for each profile. The three profiles were an 18-year-old teen with minimum coverages and fair credit; a 35-year-old single adult with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and one driving violation in the last three years; and a 65-year-old driver with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and no driving violations in the last three years.
Additionally, we averaged the rates in each state we had data for that company, Please note: rate data wasn't available for every company in every state. Rate data is provided by Quadrant Information Services.
For more information, check out Clearsurance’s study on how to pay cheaper car insurance rates, which highlights the benefits of shopping car insurance and switching companies.
Average car insurance rates can vary significantly by state. Even within each state, your car insurance rates can be significantly more or less expensive depending on where you live in the state.
Why do car insurance rates vary by state and city? Where you live is a primary factor in how car insurance companies calculate rates because there’s a higher risk of accidents and weather damage depending on where in the country you live. Someone driving every day in New York City has a different insurable risk than someone living in rural Wyoming.
Additionally, car insurance rates vary based on your own driver profile. Teen drivers, for instance, typically have more expensive car insurance premiums than a senior driver. To provide a sense of what the average rates are in your state for your driver profile, check out the table below for average car insurance rates in every state.
|State||Teen rates||Married couple rates||Senior rates|
Keep in mind that these rates are an average of the five largest car insurance companies in the state and they will vary based on the coverages you select and your own unique driver profile. You can see the different average rates for each company by clicking on your state. Given how much rates can vary by person, it’s always important to get formal quotes. Rate data is provided by Quadrant Information Services.
Unfortunately for teen drivers, car insurance doesn't come without a price. Teen drivers have the least driving experience of any age group, and as a result, car insurance companies deem them a higher risk. The statistics back this up. Teen drivers' crash rate is 3 times higher than drivers age 20 or older, according to the Insurance Institute for Highway Safety.
To find the best car insurance for teen drivers, we recommend identifying the top-rated companies by customers in your state. However, we've also gathered average teen car insurance rates for some of the largest companies. Please note that rates can vary significantly in each state so it's important to get a formal quote.
USAA, a military only insurance company, offers the best car insurance rates for male and female teen drivers. Geico offers the next best car insurance rates for teen drivers ($1,492 for male teens and $1,460 for female teens).
|Company||Male teen rates||Female teen rates|
The driver profile used for this data was an 18-year-old with the minimum car insurance coverages in each state. The driver had fair credit and the car used to determine the rates was a 2015 Honda Civic EX. The driver didn't have any accidents or violations in their driving history. Rate data is provided by Quadrant Information Services.
As we noted above, two of the primary considerations when selecting the best car insurance company is the rate and excellent claims service. The above tables have provided a look at which auto insurance companies offer the best rates, but which companies have the best claims service?
We've compiled a ranking of the top 10 car insurance companies for their claims process. To gather this list, we considered only companies with at least 100 car insurance reviews where the policyholder has filed a claim with that company.
Of the eligible companies, USAA has the highest claims service rating at 4.70 out of 5. NJM Insurance Group ranks second with a claims service rating of 4.60.
|Company||Claims service rating||# of claims reviews|
|NJM Insurance Group||4.60||108|
|CSAA Insurance Group, a AAA Insurer||4.31||151|
While there are hundreds of car insurance companies in the country, the 10 largest car insurance groups (including their subsidiaries) account for writing about 75 percent of the policies in the country. So which car insurance brands are the most popular? The list likely isn't surprising, as it's comprised of the companies that do the most advertising. What you may find surprising is that the list doesn't necessarily align with who customers rate as the best car insurers. Just because a company writes the most market share, doesn't mean they provide the best service or best price.
State Farm leads the list of the most popular car insurance companies, writing more than 18 percent of all car insurance policies in the United States. State Farm is followed by Geico, Progressive and Allstate. Here's a look at the full list of the top 10 largest car insurance companies by market share.
|Farmers Insurance||4.5 %|
Note: The market share percentages include all companies that are owned by the group. For instance, Safeco Insurance is owned by Liberty Mutual, meaning some of the 5 percent of market share is business done under the brand Safeco. Additionally, Encompass Insurance and Esurance are owned by Allstate. Foremost and 21st Century are owned by Farmers Insurance.
Finding the best car insurance rates involves some research and shopping. Some of the largest insurance companies provide an excellent customer service experience from quote to claim, including an easier way to manage policies and make payments.
Moreover, the best insurance company is not necessarily the cheapest company. It can be challenging to shop around for an auto insurance policy based on insurance pricing, but you will need a company that will assist you when you file a claim. After all, you don't want to get the cheapest option, only to find out later that you don't have enough protection.
First, you'll want to consider the information we've provided above. Starting with the best car insurance companies in your state according to customers and the companies that provide the best car insurance rates for your driver profile are a great place to start.
However, because every person has a unique risk profile, the only way you can be sure you've found the best deal on car insurance for drivers is getting formal auto insurance quotes from multiple companies. There are three primary ways you can shop for car insurance:
- Request quotes directly from companies that have online quoting capabilities
- Find a local independent insurance agent who can get quotes from multiple companies they represent.
- Use an online seller that can provide comparative quotes from multiple companies.
Did you know that customers who have shopped for a new car insurance company for their vehicles and decided to switch report an average savings of $390 annually, according to our research? Even if you've been loyal with an insurance company for years, sometimes finding the best deal on car insurance requires switching companies.
Additionally, you can get the best car insurance rates in a few other ways. We’ve identified five ways you can lower your car insurance rates, other than by finding a new company.
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Check for additional discounts you may be eligible for
For a comprehensive guide on how to lower your rates, read our post on 14 ways to get cheap car insurance rates.
You don't want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there's no sense in paying for more types of coverage than you need, right? So it begs the question: How much car insurance coverage do you need from one of these top car insurance companies?
The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision insurance and comprehensive insurance, but for someone driving an older car that doesn't have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).
So when it comes to determining what car insurance coverage and limits you should purchase, it's important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.
Here's a quick recap of the types of car insurance coverage available. Click the links to learn more about the coverages.
Bodily injury liability - this required coverage pays for expenses resulting from injuries sustained by the other vehicle’s drivers and any passengers in an accident the policyholder is found at fault for. Read more about bodily injury liability insurance.
Property damage liability - this required coverage pays for expenses resulting from any damage to another person's property (usually the other driver's vehicle, but also could include a fence, guard rail or other structure) in an accident the policyholder is found at fault for. Read more about property damage liability insurance.
Medical payments/Personal Injury Protection (PIP) - pays for expenses resulting from injuries sustained by the driver and passengers of the policyholder’s car. In 12 no-fault states, this coverage is referred to as Personal Injury Protection (PIP) and is a required coverage. Read more about personal injury protection.
Collision coverage - this optional coverage pays for damage to the policyholder’s vehicle due to a collision with another vehicle, object, or due to the car flipping over. While this coverage isn’t required by any states, it may be required if you financed your vehicle. Collision coverage does have a deductible. Read more about collision insurance.
Comprehensive coverage - this optional coverage pays for damage caused by anything other than a collision, such as hail, fire, theft, contact with an animal and more. Similar to collision insurance, it isn’t required by states, but it may be required by your lender if you financed your vehicle. Additionally, comprehensive insurance does have a deductible. Read more about comprehensive insurance.
Uninsured and underinsured motorist coverage - this coverage, which is required in some states, pays for expenses resulting from injuries sustained by the driver and passengers of the policyholder’s car in an accident caused by a driver that is uninsured or underinsured. Read more about uninsured and underinsured motorist coverage.
Umbrella insurance - this optional coverage provides additional liability protection for you and your assets in the event an accident extends beyond your car insurance limits. Read more about umbrella insurance.
Gap insurance - this optional coverage is designed for newer cars and pays the difference between the amount the policyholder owes on a car, and the amount the insurance company would pay if the car is considered a covered total loss. Read more about gap insurance.
Rental coverage - this optional coverage reimburses you for your rental car payments after a covered accident.
Roadside assistance - this optional coverage provides emergency roadside assistance, such as towing and flat tire repair. Read more about roadside assistance coverage.
How are car insurance rates calculated?
When comparing quotes from auto insurance companies, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Marital status
- Your car’s make, model and year
- Your credit history/ Credit-based insurance score (in some states)
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay an auto insurance claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurers had to pay after an accident. So instead, major insurers slightly increase rates across the board to offset the insurance costs, though of course the at-fault driver may see a larger increase.
To show how your driving record can impact your rates, we sampled car insurance rates for an adult driver and an adult driver with the same profile information but including a speeding ticket. We found that car insurance rates after a speeding ticket increased by an average of $289!
How does Clearsurance rate and rank car insurance companies?
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Customer Service
- Claim service
Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Frequently Asked Questions
Who has the best car insurance rates?
Of the 10 largest auto insurers in the U.S., USAA has the best car insurance rates on average for the driver profiles we created with an average rate of $993 per year. USAA is only eligible to military personnel and military families. The best car insurance available to everyone, based on this list, is Geico with an average yearly rate of $1,254. Geico makes the process of filing claims easy and most of its consumers would recommend the company to friends and family.
What company has the best car insurance for teenage drivers?
USAA, a military-only insurance company, offers the best car insurance rates for male and female teen drivers. Customers say they're very satisfied with their customer service and love the easy process for filing a claim. Geico offers the next best car insurance rates for teen drivers ($1,492 for male teens and $1,460 for female teens).
What are the most popular car insurance companies?
State Farm leads the list of the most popular car insurance companies, writing more than 18 percent of all car insurance policies in the United States. State Farm makes it easy to file a claim and many of their customers plan to renew their policy. State Farm is followed by Geico, Progressive and Allstate.