Finding a car insurance company that both fits your budget and provides you and your car with solid coverage can be time-consuming, which is why so many people end up sticking with the same car insurance company for years. But just because you scored a good deal with a company a year or two ago doesn’t mean it’s still the best choice for you today.
Check out Insurify’s ranking of America’s ten best car insurance companies to get a better idea of which companies are providing quality coverage at the best rates. Once you’ve browsed our list, compare policies and prices for your unique driver profile with Insurify’s car insurance comparison tool to secure the right coverage for your needs.
Here are the best car insurance companies on the market, according to the Insurify Composite Score—an aggregate of customer satisfaction, user reviews, and external ratings from experts such as J.D. Power and A.M. Best
| Rank | Company Name | Average Cost Per Month | Insurify Composite Score |
|---|---|---|---|
| 1 | Clearcover Best Overall | $135 | 97 |
| 2 | Nationwide Best for Safe Drivers | $199 | 89 |
| 3 | American Family Best for Families with Teen Drivers | $234 | 89 |
| 4 | Safeco Best for Drivers with Poor Credit | $186 | 86 |
| 5 | Farmers Best for Rideshare Coverage | $239 | 85 |
| 6 | Foremost Signature Best for Hassle-Free Claims | $159 | 82 |
| 7 | Liberty Mutual Best for Accident Forgiveness | $241 | 82 |
| 8 | Mercury Best for Face-to-Face Service | $232 | 81 |
| 9 | Progressive Best for Senior Drivers | $147 | 80 |
| 10 | Travelers Best for Young Drivers | $163 | 80 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Here are the best car insurance companies on the market, according to the Insurify Composite Score—an aggregate of customer satisfaction, user reviews, and external ratings from experts such as J.D. Power and A.M. Best
Top Car Insurance Companies: Find the Right One for You
Clearcover
If you’re looking for a cutting-edge insurer utilizing 21st century technology to provide drivers with unparalleled savings, Clearcover may be the company for you. Founded in 2016 and based out of Chicago, Clearcover has a stellar ICS score of 97––the best rating on this list––and a strong reputation for helping drivers save money.
Clearcover customers rave about the company’s easy-to-use mobile app, and this new kid on the block offers roadside assistance and rideshare coverage, too. Unlike most other insurance companies, you don’t need to apply for discounts from Clearcover. Instead, discounts you qualify for are automatically applied to your policy.
Top discounts that the company offers include:
Safe Driving Discount
Vehicle Safety Features Discount
Electronic Billing Discount
Upfront Payment Discount
Military Member Discount (15% off in all states except Louisiana; 25% off in Louisiana)
Learn more about the average monthly cost of Clearcover’s car insurance for drivers in the different categories below, with data drawn from Insurify’s proprietary database of millions of unique driver quotes.
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $196 |
| Drivers Over 60 | $111 |
| Safe Driver (No Prior Violations) | $127 |
| Driver With Prior Accident | $168 |
| With Prior Speeding Ticket | $155 |
| Driver With Average Credit | $140 |
One thing to note: Clearcover is currently only available in Arizona, California, Illinois, Ohio, Louisiana, Texas, Utah, and Wisconsin. If you live elsewhere, read on to learn more about other companies in our top 10 to find the best rates
Nationwide
Like USAA and Allstate, Nationwide is one of the best-known and best-loved car insurance companies around. That reputation is well earned: Nationwide scores highly with an ICS score of 89, and its extensive accident forgiveness program and ability to bundle almost any different insurance type appeals to customers in all 50 states.
Nationwide rewards safe drivers with lower premiums, too, with average monthly rates for safe drivers coming in at $170, $31 less than the average for insurers across this list. If you’re looking for a solid, reputable insurance company with a stellar track record, Nationwide makes an excellent choice. Top discounts from Nationwide include:
Top discounts from Nationwide include:
Multi-Policy Bundling Discount
Defensive Driving Course Discount
Safe Driving (5 Years Accident-Free) Discount
Good Student Discount
Easy Pay Discount
Learn more about the average monthly cost of Nationwide’s car insurance for drivers in the different categories below.
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $321 |
| Drivers Over 60 | $160 |
| Safe Driver (No Prior Violations) | $170 |
| Driver With Prior Accident | $235 |
| With Prior Speeding Ticket | $220 |
| Driver With Average Credit | $210 |
American Family
Ranking #1 for Overall Customer Satisfaction in the Midsize Insurers Category in J.D. Power’s 2022 U.S. Insurance Shopping Study, American Family is an ideal choice for those seeking sterling customer service and a wide range of deals and discounts.
American Family is especially well known for its cheap car insurance rates for families with teen drivers; teens who participate in the insurer’s Teen Safe Driving program can have 10% knocked off their policy price. American Family also has a lofty ICS score of 89.
Other top discounts from American Family include:
Away at School Discount
KnowYourDrive Telematics Discount
Young Volunteer Discount
Steer Into Savings Discount (drivers who switch to American Family from a competing insurer are eligible)
Early Bird Discount
Learn more about the average monthly cost of American Family car insurance for drivers in the different categories below.
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $346 |
| Drivers Over 60 | $190 |
| Safe Driver (No Prior Violations) | $203 |
| Driver With Prior Accident | $296 |
| With Prior Speeding Ticket | $287 |
| Driver With Average Credit | $249 |
Safeco
While less well-known than other insurers on this list, Safeco, which was founded in Seattle in 1923 as the General Insurance Company of America, is a natural fit for drivers considered to be “high risk”––those with accidents, speeding tickets, or other traffic accidents on their driving records. Safeco drivers with a prior accident pay just $225 on average per month.
Safeco also charges less on average for drivers with poor credit than many larger insurance providers, and also offers SR-22 and FR-44 forms to those who need them. If you have a spottier history behind the wheel and are seeking to cut your insurance costs, Safeco is a promising option to consider.
Top discounts from Safeco include:
RightTrack Telematics Discount
Claims-Free Cash Back Discount
Further Education Discount
Occupational Discount (Firefighters, Teachers, Business Owners, Police Officers)
Driver’s Education Discount
Learn more about the average monthly cost of Safeco’s car insurance for drivers in the different categories below.
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $304 |
| Drivers Over 60 | $149 |
| Safe Driver (No Prior Violations) | $164 |
| Driver With Prior Accident | $225 |
| With Prior Speeding Ticket | $223 |
| Driver With Average Credit | $189 |
Farmers
Farmers combines the reliability and tradition of a big-name insurer with a reassuringly thorough claims process and a host of perks, including deals catered to families and budget-seekers and rideshare coverage a cut above the industry standard. Farmers was one of the first major insurers to offer rideshare coverage to Uber and Lyft drivers.
Farmers––founded in 1928 as Farmers Insurance Group––is well-known for its reputation for handling even the most bewildering and complex car insurance claims, so the insurer is a safe bet whether you’re seeking excellent customer service or deals for growing households like Farmer’s shared family car policy. You can bundle with your other Farmers policies to save.
Top insurance discounts from Farmers include:
Good Driver / Safe Driver Discount
Youthful Driver Discount
Mature Driver / Senior Driver Discount
Good Payer Discount (Customer has no late billing fees in past year)
Alternative Fuel / Hybrid Discount (California only)
Learn more about the average monthly cost of Farmer’s car insurance for drivers in the different categories below.
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $355 |
| Drivers Over 60 | $182 |
| Safe Driver (No Prior Violations) | $217 |
| Driver With Prior Accident | $294 |
| With Prior Speeding Ticket | $287 |
| Driver With Average Credit | $246 |
Foremost Signature
Foremost may not be one of the better-known car insurance providers, but flying under the radar isn’t necessarily a bad thing. The company, founded way back in 1868 at “MetLife”, offers a wide range of insurance types and apps for mobile claims filing and telematics-style driver tracking. With stellar industry rankings, you know claims processes with Foremost are a breeze.
With an above-average Insurify ICS score of 82, one of the more unique perks Foremost offers is the identity theft protection included in all home, auto, and renters policies. Foremost’s homeowners insurance product is also very highly-regarded, making the insurer a potential match for drivers seeking to bundle their auto and home insurance policies.
Top discounts from Foremost Signature include:
Good Driving Discount
Automated Payment Discount
Multi-Product Discount
Household Superior Driver Discount (eligible if all members in a household have clean driving records)
Anti-Theft Device Discount
Learn more about the average monthly cost of Foremost Signature’s car insurance for drivers in the different categories below.
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $238 |
| Drivers Over 60 | $118 |
| Safe Driver (No Prior Violations) | $138 |
| Driver With Prior Accident | $185 |
| With Prior Speeding Ticket | $189 |
| Driver With Average Credit | $181 |
Liberty Mutual
Liberty Mutual and its famous LiMu Emu are well-known pillars of the insurance industry. But drivers may not know that the century-old insurer takes a surprisingly new-school approach to customer service and claims handling, with a high-tech mobile app that customers love and a sophisticated telematics program, RightTrack, that tracks your driving to score savings.
If you’re just interested in rock-bottom rates, you may find yourself paying slightly more than anticipated for Liberty Mutual car insurance. But the company more than makes up for it with the above perks, as well as an extensive suite of discounts and a robust accident forgiveness policy.
Top discounts on car insurance policies from Liberty Mutual include:
Military Discount (active, retired, or reserve)
Homeowner Discount
Alternative Energy / Hybrid Discount
Accident Free Discount
Violation Free Discount
Learn more about the average monthly cost of Liberty Mutual’s car insurance for drivers in the different categories below:
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $379 |
| Drivers Over 60 | $169 |
| Safe Driver (No Prior Violations) | $233 |
| Driver With Prior Accident | $277 |
| With Prior Speeding Ticket | $268 |
| Driver With Average Credit | $252 |
Mercury
While many insurers have turned to a fully digital customer experience, Mercury continues to see the value in in-person customer service, assigning a dedicated insurance agent to each individual driver. Founded in 1963 as the Mercury Insurance Group and named one of “America’s 50 Most Trustworthy Companies” by Forbes Magazine in 2015.
Mercury is only available in 11 states, however: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. If you live elsewhere, take a look at some of the other companies on this list.
Top car insurance discounts from Mercury include:
Anti-Theft Feature Discount
Auto Pay Discount
E-Signature Discount
Multi-Car Discount
Good Student Discount
Learn more about the average monthly cost of Mercury’s car insurance for drivers in the different categories below:
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $345 |
| Drivers Over 60 | $175 |
| Safe Driver (No Prior Violations) | $204 |
| Driver With Prior Accident | $309 |
| With Prior Speeding Ticket | $300 |
| Driver With Average Credit | $248 |
Progressive
Everyone’s heard of Progressive. The insurer, known for its iconic spokeswoman, Flo, is the third-largest in the United States, trailing only State Farm and GEICO. Progressive offers a big-tent approach to car insurance, with a wide variety of types of coverage and a reputation for speedy claims-handling and bargain rates for seniors.
As one of the nation’s best-known insurers, Progressive offers customers an amazing range of policy options, spanning from state minimum coverage plans to premium comprehensive coverage with full reimbursement for personal property and medical expenses. The company boasts a respectable ICS score of 80 and a long list of discounts for every kind of driver.
Top discounts from Progressive include:
Snapshots Telematics Device Discount
Teen Driver Discount
Sign Online Discount
Multi-Car Discount
Distant Student Discount
Learn more about the average monthly cost of Progressive’s car insurance for drivers in the different categories below:
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $214 |
| Drivers Over 60 | $111 |
| Safe Driver (No Prior Violations) | $144 |
| Driver With Prior Accident | $160 |
| With Prior Speeding Ticket | $170 |
| Driver With Average Credit | $149 |
Travelers
Many American drivers are familiar with Travelers insurance and the company’s iconic red umbrella. But they may not know that the insurer offers sweeter-than-average deals for young drivers and for those seeking to add a spouse or child to their car insurance plan. One of the oldest insurance companies in the business, Travelers has unmatched financial stability.
Traveler’s online insurance reviews highlight the company’s no-fuss auto claims handling, bundling of different insurance products, and strong customer service. Young drivers will benefit from a policy with Travelers: drivers under 25 pay just $234 on average per month, $95 less than the average for the other companies on this list.
Top discounts from Travelers include:
Continuous Insurance Discount
Early Quote Discount
Driver Training Discount
IntelliDrive Telematics Device Discount
New Car Discount
Learn more about the average monthly cost of Traveler’s car insurance for drivers in the different categories below:
| Driver Category | Average Monthly Cost |
|---|---|
| Driver Under 25 | $234 |
| Drivers Over 60 | $137 |
| Safe Driver (No Prior Violations) | $146 |
| Driver With Prior Accident | $180 |
| With Prior Speeding Ticket | $194 |
| Driver With Average Credit | $179 |
Monthly payment plans:
The General offers monthly payment plans in most states in which it operates, making it a sound choice for policyholders who have less liquid cash handy and would prefer to avoid an annual premium payment.
Strong customer satisfaction rating:
The General is wholly owned by American Family insurance, which ranked #1 in midsize insurer’s in J.D. Power’s 2022 U.S. Insurance Shopping Customer Satisfaction Study.
Easy-to-use mobile app:
The General supports online claims filing and boasts a well-regarded mobile app, which has a 4.8 rating on Google Play and is lauded by users for its ease of use and simple design.
You might wonder why some companies on the list have much higher monthly average premiums than others. The disparity in premium pricing is due to the fact that different insurers have different customer bases.
While some insurers specialize in low-risk drivers that are inexpensive to insure, other companies serve higher-risk customers and charge higher premiums as a result. A few more car insurance standouts that didn’t make the list and that serve higher-risk drivers include Amica, Erie Insurance, and The Hartford.
The Best Car Insurance Company in Your State
Remember, just because a company is considered “best” overall in your state, doesn’t mean it’s the best for you and your car. To find out which car insurance company is the best fit for you, check out Insurify’s tailored car insurance comparison tool today.
