The 25 Best Auto Insurance Companies in America

Last Updated on January 27, 2026

Choosing the right auto insurance company can be a challenge. Many insurers offer similar “core” coverages, but the details that matter—claims experience, discounts, customer service, and rate stability—can vary a lot from one company (and one state) to the next.

The truth is there isn’t one “best” auto insurer for everyone. The best company for you depends on your driving record, location, vehicle, credit-based insurance score (where allowed), and how you prefer to buy and manage your policy (online vs. local agent).

And because premiums have risen across the industry in recent years, it’s more important than ever to compare apples-to-apples quotes. Shopping multiple carriers can uncover big price differences for the same coverage limits and deductibles.

Best Auto Insurance Companies (Quick List)

Click a company to jump to its section below. Use this as a shortlist—then compare quotes with the same limits and deductibles.

How to Choose the Best Auto Insurance Company

• Start with financial strength: Look for insurers with strong AM Best financial strength ratings (and remember ratings can change).
• Use customer satisfaction as a tie-breaker: J.D. Power studies can be helpful, but results vary by region and by category (shopping vs. claims vs. service).
• Compare the right coverages: Liability limits, collision/comprehensive deductibles, uninsured/underinsured coverage, PIP/MedPay, rental reimbursement, roadside, gap, and new car replacement can change a “cheap” quote fast.
• Stack discounts: Bundling, safe driver, good student, military, homeowner, telematics (usage-based), pay-per-mile, and paperless/autopay discounts can make or break your price.
• Match the company to your preferences: Some insurers are best if you want a local agent. Others excel if you want everything in an app.
• Re-shop regularly: A company that’s cheapest this year might not be cheapest next year—especially after a claim, a move, adding a teen driver, or buying a new car.

How This List Was Built

The companies below are popular, well-known insurers that many drivers consider when shopping for auto insurance. We looked at a mix of factors like reputation, availability, coverage options, discount programs (including telematics and pay-per-mile options), and third-party indicators such as customer satisfaction studies and financial strength ratings.

Important: The order below is a general guide—not a guaranteed ranking for every driver in every state. Your best move is to shortlist a few companies that fit your situation, then compare quotes with the same coverage limits and deductibles.

Below are 25 strong auto insurers to compare. Click any company in the quick list above to jump to its details—or scroll from #1 downward. Use these summaries to build a shortlist, then compare quotes with the same limits and deductibles.

1. Amica Mutual

Founded in 1907, Amica Mutual is a mutual insurer often associated with strong service and claims support. If you care as much about the experience after an accident as you do about the monthly price, Amica is worth a look—especially for drivers who want a straightforward, customer-first approach. It’s also frequently discussed among top options for customer satisfaction.

Amica Mutual Pros & Cons

Pros:

• Strong reputation for customer service and claims handling
• Low complaint volume relative to many large carriers
• Many discounts and perks may be available, including accident forgiveness, dividend policies (where offered), and gap insurance
• Helpful tools and guidance while choosing a policy

Cons:

• Coverage add-ons (like towing and labor coverage) and eligibility for perks can vary by state and policy
• May not be the cheapest choice for drivers with recent tickets, accidents, or other “non-preferred” factors
• Dividend policies and certain benefits aren’t available everywhere and may require specific policy types
• Some drivers prefer broader local-agent networks than Amica offers in certain areas

Amica Mutual Ratings

2. USAA

The United States Army Automobile Association was created in 1922. Today, USAA is still best known for exceptional service, competitive rates, and a strong focus on military members and eligible family. For those who qualify, USAA often sets the benchmark for customer satisfaction and claims handling.

USAA Pros & Cons

Pros:

• Often among the most competitive rates for eligible members
• Strong reputation for claims support and overall member experience
• Offers a wide range of coverage options, plus member benefits through related financial products
• Generally excellent digital tools for policy management and claims

Cons:

• Eligibility is limited to military members, veterans, and certain family members
• Depending on location, you may find fewer “in-person” branch options than traditional agent-based insurers

USAA Ratings

3. Auto-Owners Insurance

Auto-Owners Insurance is a well-regarded regional carrier sold through independent agents. It’s often a strong match for drivers who want a local agent relationship, solid claims support, and good bundling opportunities—especially in the states where it operates. Its Southern-Owners subsidiary offers insurance specifically to residents of Florida.

Auto-Owners Pros & Cons

Pros:

• Often praised for claims handling and service through local independent agents
• Strong bundling potential (auto + home/umbrella) in many markets
• The Auto-Owners Personal Automobile Plus package can add helpful coverage upgrades
• Usage-based insurance program (TrueRide) may reward safe driving habits

Cons:

• Not a nationwide insurer—availability depends on where you live
• Quotes typically require working with an independent agent
• May be less flexible for certain high-risk situations depending on underwriting in your state
• Rates can be higher than average for some drivers and vehicles

Auto-Owners Ratings

4. NJM Insurance Company

New Jersey Manufacturers Insurance Company is a regional insurer known for strong customer experience and competitive pricing in the states it serves. If you’re in NJM’s footprint and want a carrier that focuses heavily on personal lines, it’s a smart company to compare when shopping—especially in places like New Jersey.

While NJM’s availability is limited, many drivers like it for its straightforward pricing, low complaint volume, and meaningful discounts. If you’re researching why car insurance is so expensive in New Jersey, NJM often comes up as a strong in-state option to compare against the big national brands.

NJM Pros & Cons

Pros:

• Competitive rates for many drivers in NJM’s coverage area
• Strong reputation for claims handling and customer satisfaction
• Lower complaint levels than many competitors
• Several discounts and cost-saving opportunities may apply, depending on your profile
• Dividend programs may be available for some policyholders (varies by state and policy)
• Strong focus on personal lines, which can make service feel more specialized

Cons:

• Limited availability (regional footprint)
• Eligibility and underwriting guidelines can be stricter than some national carriers
• Online quoting and digital tools may feel less “big-tech” than some direct-to-consumer insurers
• Some coverages and discount programs vary significantly by state

NJM Ratings

5. Erie Insurance

Pennsylvania-based insurance company Erie Insurance Exchange is a well-known regional carrier that often shines on service and claims support within its operating area.

Both personal auto coverage and commercial coverage for small businesses are offered. If you live in Erie’s footprint and like working with an agent, it’s a strong company to include when comparing quotes.

Erie is known for offering valuable add-ons and coverage enhancements, but availability is limited to a set of states. If you’re outside that region, you won’t be able to buy a policy.

Erie Pros & Cons

Pros:

• Strong reputation for customer service and claims satisfaction in many markets
• Often performs well in purchase/claims experience studies (region-dependent)
• Useful coverage perks can include rideshare options, new-car protection, pet injury coverage, and more (varies by state)
• Claim support and agent support are typically easy to access
• Rate-lock style options may appeal to drivers who value predictable premiums (where offered)

Cons:

• Coverage is limited to a portion of the U.S. (regional insurer)
• Relatively few discounts compared to some large national carriers
• Online quoting and policy management may feel more “agent-first” than some direct insurers

Erie Ratings

6. GEICO

The Government Employees Insurance Company (GEICO) is a household name for affordable, direct-to-consumer auto insurance. It’s often a strong choice for drivers who want a fast online quote experience, solid discounts, and easy digital policy management—especially if you have a clean record.

GEICO Pros & Cons

Pros:

• Often competitive pricing for many driver profiles
• Strong digital tools (app, online claims, easy policy changes)
• Backed by significant financial strength as a Berkshire Hathaway subsidiary
• Many coverage and discount options (varies by state)
• Can be a practical option for drivers trying to keep premiums low

Cons:

• Claims and service experiences can vary by location and claim complexity
• Fewer “local agent” relationships than traditional agent-based insurers
• Some specialty add-ons (like new-car replacement) may be limited compared to competitors

GEICO Ratings

7. The Hartford

Known for its long-running relationship as an auto and home insurance provider for AARP members, The Hartford Financial Services Group is a strong consideration for older drivers who want solid coverage options and a guided customer experience.

The Hartford Pros & Cons

Pros:

• Often a good fit for seniors and AARP members looking for tailored benefits
• Strong coverage options and helpful add-ons in many states
• Usage-based programs and safe-driving incentives may be available
• Accident forgiveness and renewal-related perks may apply (varies by state)

Cons:

• Availability, discounts, and policy features vary by state
• Not always the cheapest option for younger drivers or higher-risk profiles
• Some customers prefer a faster “instant quote” experience than what’s offered in certain markets

The Hartford Ratings

8. State Farm

State Farm is the largest U.S. personal auto insurer and is known for its huge agent network and strong bundling options. If you like having a local agent to call and want a wide menu of discounts and endorsements, State Farm is usually worth comparing.

State Farm Pros & Cons

Pros:

• Large local-agent footprint for in-person help
• Strong bundling opportunities (auto + home/renters/umbrella)
• Wide range of discounts, including safe driving and student discounts
• Claims support is widely available and typically easy to access
• Good option for drivers who prefer an agent relationship instead of a fully direct insurer

Cons:

• May require extra personal details to finalize a quote, depending on state rules and underwriting (learn more here)
• Doesn’t always offer every specialty add-on in every state (availability varies)
• State Farm does not actively market new auto insurance in Massachusetts and Rhode Island (accommodation policies may exist for some movers)
• Rates can be higher for drivers with accidents, tickets, or other high-risk factors

State Farm Ratings

9. The Hanover

The Hanover Insurance Group sells policies primarily through independent agents and is often considered by drivers who want more customizable coverage, including endorsements for higher-value vehicles or unique needs.

The Hanover Pros & Cons

Pros:

• Good fit for drivers who want customized coverage through an independent agent
• Often fewer complaints than expected for an insurer of its size (varies by line and state)
• Can be a strong option for classic cars or higher-value vehicles with the right endorsements
• Speedy claims processing is a common goal, but experiences can vary by claim type and region
• Solid financial backing compared with many niche carriers

Cons:

• Pricier than some competitors for standard drivers in some regions
• Quotes often require going through an independent agent
• Some common add-ons (like accident forgiveness) may be limited or state-dependent
• Availability and policy features can vary substantially by state

The Hanover Ratings

10. Allstate

Allstate is one of the most recognized insurers in the U.S., offering a wide menu of coverage options, discounts, and add-ons. Its usage-based and pay-per-mile options are popular with drivers who want pricing that better matches how they drive. Allstate also sells other property insurance products, so bundling can be a major reason to compare it.

Allstate Pros & Cons

Pros:

• Strong set of add-on coverages and endorsement options
• Often ranks well in purchase experience studies in many markets (region-dependent)
• Offers usage-based and pay-per-mile options: Drivewise and Milewise
• Rideshare coverage offered in most states
• Local agents plus solid digital tools (best of both worlds for some shoppers)

Cons:

• Rates can be higher than average in some states and for some driver profiles
• Some coverages and endorsements vary significantly by state
• Mobile app experience is “fine” for many users, but not always top-rated compared to the most digital-first carriers

Allstate Ratings

11. Nationwide

Nationwide offers a broad set of personal lines products and is often a strong bundling contender. If you like unique perks (like disappearing deductibles) and want telematics-based savings opportunities, Nationwide is worth comparing.

Nationwide Pros & Cons

Pros:

• Plenty of coverage options can be available, including accident forgiveness, new car replacement, and gap insurance (varies by state)
• Its vanishing deductible program can reward safe drivers over time
• AutoWatch-style features may help customers track repairs (availability varies)
• Offers two telematics programs: SmartRide and SmartMiles
• Strong bundling opportunities for many customers

Cons:

• Customer support experience can vary by state, product line, and distribution channel
• Claims handling can be inconsistent in some regions (always check recent reviews in your state)
• Some shoppers report below-average claims satisfaction compared with top performers in their region
• Drivers with certain high-risk flags (like a DUI) may see above-average premiums

Nationwide Ratings

12. MAPFRE Insurance

MAPFRE USA Corporation is best known in the Northeast (especially through Commerce Insurance in Massachusetts) and is a solid regional option to compare if you live in the states it serves. Like many regional insurers, your experience can vary by the local claims network and the policy options available in your state.

MAPFRE Pros & Cons

Pros:

• Discount opportunities, including safe driver and teen-driver programs (varies by state)
• Mobile and digital tools can make service easier for many customers
• Potentially strong discounts on auto premiums for customers using telematics technology (where offered)
• Often competitive for many full coverage shoppers in its key markets
• Useful add-ons like accident forgiveness and new car replacement may be available (state-dependent)
• Repair programs and preferred shop networks can simplify claims in some areas

Cons:

• Not available nationwide—MAPFRE’s footprint is regional
• Some reviewers report slow claims processing in certain markets
• Customer service quality can vary widely by region and claim complexity
• Some coverages and discounts may only be available in select states

MAPFRE Ratings

13. Travelers

The Travelers Companies is a major insurer that offers both personal and commercial coverage. Travelers is often a strong option for drivers who want solid coverage flexibility, competitive bundling, and a reputable claims infrastructure—especially if you also want home coverage through the same company.

If you’re learning the basics of property and casualty insurance or want a deeper explanation of liability coverage, Travelers can be a good “baseline” company to quote against other national insurers.

Travelers Pros & Cons

Pros:

• Broad set of coverage options and endorsements (varies by state)
• Strong brand reputation and long-standing market presence
• Vast local agency network
• Easy-to-use website and generally strong online tools
• Many discounts are available, including safe driver, homeowner, and multi-policy programs

Cons:

• Rates can vary widely by state and vehicle type (always compare quotes)
• Some customers report billing or communication issues during claims/repairs
• Not every discount or endorsement is offered in every state
• Mobile app experience depends on state, product, and updates over time

Travelers Ratings

14. National General

National General (an Allstate company) is a well-known carrier that often competes well for drivers who want flexible coverage options or who don’t fit a “perfect” preferred profile. It’s typically sold through independent agents (and some direct/online channels), so it can be a practical company to include when you’re comparing quotes—especially if you want to see how pricing changes across different underwriting approaches.

National General Pros & Cons

Pros:

• Often a strong quote to include for drivers who want more flexible underwriting (varies by state and profile)
• Backed by Allstate (corporate parent) with strong financial resources
• Low-priced policies can be possible for some profiles
• Discount options may apply depending on the state and underwriting
• Available through independent agents, which can help if you want guidance on coverage choices and endorsements

Cons:

• Pricing can be less competitive for some “preferred” drivers compared to top direct-to-consumer insurers
• Coverage features, fees, and endorsements can vary significantly by state and underwriting company—review the quote carefully
• Customer service and claims experience can vary by location and claim complexity
• Some shoppers prefer a fully self-serve/app-first experience versus agent-based quoting and service

National General Ratings

15. Progressive

Progressive Corporation is one of the biggest names in auto insurance, known for competitive pricing, strong digital tools, and broad acceptance of different driver profiles (including many higher-risk situations). It’s also a common contender for shoppers looking for high-risk auto insurance.

Progressive Pros & Cons

Pros:

• Online tools make it easy to quote, manage a policy, and file claims
• Strong 24/7 claims service
• Extensive discounts for safe driving, bundling, good students, and more (varies by state)
• Often a good option for higher-risk drivers who struggle to find affordable coverage elsewhere
• Usage-based program (Snapshot®) can be valuable for safe drivers

Cons:

• Customer satisfaction can be more “middle of the pack” than the very top-rated companies
• Rates can be higher for some drivers (especially new/teen drivers) depending on state and vehicle
• Snapshot can raise rates for some drivers if their driving data shows riskier patterns
• Some shoppers prefer agent-based service vs. a primarily digital experience

Progressive Ratings

16. Auto Club of Southern California Insurance Group

The Automobile Club of Southern California (ACSC) is a major AAA affiliate and a popular choice for drivers in its service area who want insurance plus AAA-style member benefits. If you live in Southern California and already value AAA membership perks, ACSC is worth comparing.

ACSC Pros & Cons

Pros:

• Optimized website experience and AAA-member focused support
• Teen Safe Driver Program may help families monitor teen’s driving (availability varies)
• Plenty of discounts for AAA members
• AAA membership perks can add value beyond insurance
• Multiple insurance lines available for bundling (home, renters, life, etc.)

Cons:

• Only services select counties in California
• Membership and/or enrollment costs can add to overall expense
• Roadside assistance benefits may overlap with what you already have through a vehicle warranty, credit card, or other program

ACSC Ratings

17. 21st Century

21st Century Insurance Company is best known as a direct-to-consumer option historically focused on California drivers. If you’re a “preferred” driver (clean record, stable history) and want a straightforward online shopping experience, it can be worth comparing—especially alongside other Farmers-branded options.

21st Century Pros & Cons

Pros:

• Can be competitively priced for some preferred drivers
• Website can be helpful for drivers purchasing insurance directly
• Second-chance underwriting may exist for some incidents like DUIs (varies by state and company rules)
• Connected to well-known parent groups/brands in the industry
• Roadside assistance may be available depending on the policy and state

Cons:

• Availability is limited and often heavily concentrated in California
• Some customers report claim frustrations (always check recent state-specific reviews)
• Coverage options may be more limited than larger national insurers
• Less in-person help due to direct/online structure

21st Century Ratings

18. American Family

American Family Mutual Insurance (AmFam) is a regional insurer with a strong presence in select states. It’s often a good fit for drivers who want bundling options, solid discounts, and telematics programs—especially families insuring multiple vehicles and drivers.

American Family Pros & Cons

Pros:

• Several benefits and generous discounts may apply depending on your profile
• Wide range of products and coverage options, including rideshare and accident forgiveness (state-dependent)
• Telematics options, including KnowYourDrive and teen-focused programs (availability varies)
• Strong bundling potential for households with auto + home/renters/umbrella
• Can be a good option for certain higher-risk profiles in some markets

Cons:

• Not available nationwide (regional footprint)
• Customer satisfaction can be average in some studies and regions
• Rates can be higher for teen drivers depending on state, vehicle, and household profile

American Family Ratings

19. Arbella

Arbella Insurance is a regional carrier focused on New England, best known for writing personal auto and home coverage primarily in Massachusetts and Connecticut (with other products varying by state). If you live in Arbella’s footprint and want an insurer built around local claims networks and independent agent support, it’s a smart company to include in your quote comparison.

Arbella Pros & Cons

Pros:

• Strong regional focus in New England, which can be a plus for market-specific underwriting and claims networks
• Often a solid option to compare for drivers in Massachusetts and Connecticut (availability varies by product and location)
• Agent support can be helpful for coverage planning, endorsements, and policy changes
• Discount opportunities may be available depending on your state, policy, and driver profile (always confirm what applies)
• Strong financial strength rating compared with many smaller regional carriers

Cons:

• Not a nationwide insurer—if you’re outside its operating area, you won’t be able to buy a policy
• Quotes may require working with an agent, depending on state and product
• Coverage options and endorsements can vary a lot by state, so you need to review the quote details carefully
• Customer service and claims experiences can vary by location and claim complexity (as with any regional carrier)

Arbella Ratings

20. Root

Root Insurance is a tech-forward carrier that focuses heavily on app-based quoting, policy management, and claims. In many states, Root’s pricing is built around driving behavior and other rating factors, so it can be especially worth comparing if you’re a lower-mileage, safer driver who’s comfortable handling most tasks digitally.

Root Pros & Cons

Pros:

• App-first experience for quoting, policy changes, and claims management
• Can be competitively priced for some low-risk drivers, depending on state and driving profile
• Usage-based/behavior-based pricing approach may reward safer driving habits (where offered)
• Convenient for shoppers who prefer a direct-to-consumer, digital-only insurer
• Often quick to compare alongside other “online-first” carriers

Cons:

• Not available in every state, and availability can change over time
• Rates may be less competitive for drivers with higher-risk factors or less favorable driving data
• Fewer local-agent options for people who want in-person support
• Claims and customer service experiences can vary by state and claim complexity

Root Ratings

21. Farmers

Farmers Insurance Exchange is a major agent-based insurer known for customizable coverage and add-ons. It’s often a strong fit for drivers who want a local agent, have more complex insurance needs, or want guidance with coverage decisions.

Farmers Pros & Cons

Pros:

• Specialized plans offered for collectible or classic cars in many markets
• Wide range of products and coverage options, including rideshare insurance and accident forgiveness (state-dependent)
• Local agent support can be helpful during claims and major policy changes
• Telematics program: Signal
• Can be a solid option for some higher-risk profiles depending on state and underwriting

Cons:

• Not always the cheapest option, especially for standard “preferred” drivers in some states
• 24/7 service availability can vary by channel and claim type
• Some shoppers report higher premiums for teen drivers depending on state and vehicle
• Customer satisfaction varies by region and local agency experience

Farmers Ratings

22. Mercury

Founded in 1961, Mercury Insurance is best known for competitive pricing in select states (especially California). It can be a strong quote to compare if you’re in Mercury’s footprint and want a more budget-friendly option with decent coverage flexibility.

Mercury Pros & Cons

Pros:

• Competitive pricing for many drivers in key states
• Solid financial history relative to many regional carriers
• Coverage options can include rideshare and roadside assistance (state-dependent)
• Can be competitive for a mix of “good driver” and some higher-risk profiles (varies by state)
• Mobile tools for policy management and claims are available
• Telematics options may be available in select states

Cons:

• Not a nationwide insurer—availability depends on your state
• Discounts and coverage features vary significantly by state
• Overall customer experience can vary widely across markets

Mercury Ratings

23. COUNTRY Financial

A group of farmers from Illinois originally founded COUNTRY Financial in 1925. COUNTRY is best known as a regional insurer with strong local-agent relationships in the states it serves, and it can be a strong contender for drivers who prefer personalized, community-based service.

COUNTRY Financial Pros & Cons

Pros:

• Often strong customer loyalty in core markets
• Policies can include useful add-ons and endorsements (state-dependent)
• Discounts can include safe driver, multi-car, and bundling options
• Personalized coverage options through local reps
• Good option to compare if you prefer working directly with a dedicated representative

Cons:

• Online quoting can be more limited than digital-first national carriers
• Mobile tools and digital experiences may feel less “modern” in some markets
• Only writes policies in select states (regional availability)
• Some negative reviews regarding claims processing and customer service (varies by state and office)

COUNTRY Financial Ratings

24. CSAA Insurance Group

The California State Automobile Association (CSAA) is another major AAA affiliate that offers auto insurance in select states. Like other AAA-related insurers, the biggest value proposition is often the combination of member benefits and competitive pricing in the regions where it operates.

If you’re already a AAA member (or considering it), it helps to understand AAA’s background and how regional clubs differ—because coverage availability and pricing can vary by club and state.

CSAA Insurance Pros & Cons

Pros:

• Can be competitively priced in certain regions
• Strong phone support experiences reported by many policyholders (varies by region)
• Part of the AAA network, offering access to roadside assistance benefits (depending on membership)
• Rideshare insurance may be available for drivers working with Uber/Lyft (state-dependent)

Cons:

• Some complaints around claims handling in certain markets
• Billing and payment experiences can vary by region
• Only available in certain regions of the United States
• AAA membership may be required to purchase certain products or receive best pricing
• May require purchasing through an agent depending on state and product

CSAA Insurance Ratings

25. Liberty Mutual

Liberty Mutual Insurance is a large national insurer known for coverage customization and a wide variety of discount programs. It’s often a strong quote to compare if you want more flexibility in endorsements and policy add-ons.

Liberty Mutual Pros & Cons

Pros:

• Strong financial backing and broad national presence
• A wide range of features and coverage options, including gap insurance, new car replacement, better car replacement, and rideshare insurance (varies by state)
• An extensive amount of discounts, such as multi-policy, multi-car, safe driver, good student, military, and more

Cons:

• Rates can be above average in some states for some driver profiles
• New car replacement is only available to select states
• Some state restrictions apply to forgiveness-style programs and endorsements
• Claims experiences can vary widely by region, repair complexity, and local networks
• Complaint volume can be higher than some smaller/regional carriers in certain markets

Liberty Mutual Ratings

FAQs on the Best Auto Insurance Companies

Final Word

These 25 auto insurance companies are among the best-known options in the U.S., but the “best” choice depends on your driver profile, location, and coverage needs. Compare multiple quotes with the same limits and deductibles, and don’t ignore the quality side of the equation—financial strength and claims experience matter most when something goes wrong. With usage-based telematics, pay-per-mile options, and more vehicle-specific pricing becoming the norm, shopping around at renewal can be one of the easiest ways to keep your premium under control.