Car Insurance Companies

When people think of car insurance companies they sometimes think of just the big brand names such as Nationwide®, Allstate®, Progressive®, State Farm®, Geico® (who doesn’t love the caveman and gecko) however do you know that 100’s of car insurance companies exist?

Minimum coverage requirements are mandated by state laws but many times these minimum requirements are less than enough to protect your family from the litigious nature of car accidents.

We can help you locate car insurance rates nationwide, learn about the different types of car insurance available and even help you compare car insurance quotes online with just a few clicks.

Find the Best Car Insurance Company

This question is hard to answer since all car insurance companies have different advantages and disadvantages.

Obviously, you want to choose a provider who is solvent and ready to pay any car accident claims should you find yourself needing to file a claim against your auto insurance policy, however, how about 24-hour customer service? Roadside assistance no matter where you are? Assistance in Spanish? Online claims handling?

A number of factors exist that should all be considered when choosing a car insurance company. Learn more about some of the questions to ask car insurance companies even read policyholder reviews online here.

Best Car Insurance Companies with the Lowest Rates

Some of the best rated car insurance companies can have the lowest rates. Below, you will find the top 10 car insurance companies in the USA:

Top 10 Car Insurance Companies Average Car Insurance Rates
CompanyAvailabilityAverage Annual RatesHigher/Lower than
National Average
Annual Rates
Cheapest Insured
Make and Model
AllstateAll 50 States and D.C.$4,532.9623.82%
(Higher)
2015 Toyota RAV-4
American Family19 States$3,698.771.03%
(Higher)
2015 Honda Civic
FarmersAll 50 States and D.C.$3,907.996.75%
(Higher)
2015 Toyota RAV-4
GEICOAll 50 States and D.C.$3,073.66-16.04%
(Lower)
2015 Toyota RAV-4
Liberty MutualAll 50 States and D.C.$5,295.5544.65%
(Higher)
2015 Toyota RAV-4
Nationwide46 States and D.C.$3,187.20-12.94%
(Lower)
2018 Toyota RAV-4
ProgressiveAll 50 States and D.C.$3,935.367.5%
(Higher)
2015 Toyota RAV-4
State FarmAll 50 States and D.C.$2,731.48-25.39%
(Higher)
2015 Honda Civic
Travelers42 States and D.C.$3,729.321.87%
(Higher)
2015 Ford F-150
USAA
(Military & Family Members)
All 50 States and D.C.$2,489.49-32%
(Lower)
2015 Honda Civic
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Best Rated Car Insurance Companies

Below you will find the financial ratings of the top 10 car insurance companies:

Highest Rated Auto Insurance Companies
CompaniesA.M. Best RatingsDirect Premiums Written
(in Billions)
Market Shares
(in Percent)
Loss Ratios
(in Percent)
AllstateA+ (Superior)$22.7 (↑)9.19 (↓)56 (↓)
American FamilyA (Excellent)$4.7 (↑)1.9 (↑)69 (~)
FarmersA (Excellent)$10.5 (↑)4.26 (↓)61 (~)
GEICOA++ (Superior)$33.1 (↑)13.41 (↑)71 (~)
Liberty MutualA (Excellent)$11.8 (↑)4.77 (↓)62 (~)
NationwideA+ (Superior)$6.7 (↓)2.73 (↓)58 (↓)
ProgressiveA+ (Superior)$27.1 (↑)10.97 (↑)62 (~)
State FarmA++ (Superior)$41.9 (↑)17.01 (↓)63 (↓)
TravelersA++ (Superior)$4.7 (↑)1.9 (↑)60 (~)
USAA
(Military &
Family Members)
A++ (Superior)$14.5 (↑)5.87 (↑)77 (~)
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You can also see which car insurance companies were highly rated by companies via JD Power.

J.D. Power Auto Insurance Regional Ratings
Auto Insurance CompaniesAverage J.D. Power Regional Ratings (out of 1,000)
GEICO830
Allstate826
Progressive818
Auto-Owners Insurance*841
Esurance*836
Liberty Mutual Insurance810
Nationwide808
Travelers Insurance*818
Safeco*810
USAA*891
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Best Car Insurance Companies: J.D. Power Ratings and Complaint Ratios
CompanyOverall Satisfaction of Shopping Experience
(JD Power Rating)
Overall Satisfaction of Claims Process
(JD Power Rating)
Complaint Ratios
(Lower or Higher than National Average of 1.15)
Allstate3 Power Circles
(about average)
3 Power Circles
(about average)
0.64
(Lower)
American Family4 Power Circles
(better than most)
3 Power Circles
(about average)
0.70
(Lower)
Farmers3 Power Circles
(about average)
4 Power Circles
(better than most)
0.97
(Lower)
GEICO3 Power Circles
(about average)
3 Power Circles
(about average)
0.92
(Lower)
Liberty Mutual3 Power Circles
(about average)
2 Power Circles
(the rest)
6.32
(Higher)
Nationwide2 Power Circles
(the rest)
3 Power Circles
(about average)
0.36
(Lower)
Progressive3 Power Circles
(about average)
3 Power Circles
(about average)
0.89
(Lower)
State Farm3 Power Circles
(about average)
3 Power Circles
(about average)
0.57
(Lower)
Travelers3 Power Circles
(about average)
3 Power Circles
(about average)
1.27
(Higher)
USAA
(Military &
Family Members)
4 Power Circles
(better than most)
5 Power Circles
(among the best)
1.14
(Lower)
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Best Car Insurance Companies Overall and by Discounts

Below you can find which car insurance companies are best for what type of driver:

Best Car Insurance Companies Overall and by Discounts
Insurance CompanyTotal Number of DiscountsHighest Percent DiscountBest for
Allstate2945%Usage-based and
pay-as-you-drive
policies
American Family2740%Best value in
coverage level
and 60+
Farmers345%Married and
longer commute
GEICO3140%Teen drivers and
those with a speeding
ticket or accident
Liberty Mutual3835%Vehicle recovery
system discount
Nationwide3540%Teen drivers and
best value in
coverage level
Progressive3631%Poor credit and DUI
State Farm1950%Poor driving record
and 60+
Travelers2830%Middle-aged drivers
and poor credit
USAA2815%Military
(especially if single)
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Cheapest Car Insurance by Company and State

Where you live can play a major role in how you pay for car insurance:

Cheapest Car Insurance by Company and State
StateAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35N/A$3,898.00$2,408.94$3,393.75$1,630.86
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Michigan$22,902.59N/A$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49N/A$2,066.99N/A$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91N/A$2,525.78
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71N/A$2,330.78
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53N/A$2,006.80
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23N/AN/A
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53N/A$2,975.74
Connecticut$5,831.60N/A$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00N/A
Maine$3,675.59$2,770.15$2,823.05$4,331.39N/A$3,643.59$2,198.68$2,252.97$1,930.79N/A
Massachusetts$2,708.53N/A$1,510.17$4,339.35N/A$3,835.11$1,361.86$3,537.94$1,458.99N/A
New Hampshire$2,725.01N/A$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46N/A$1,906.96N/A
New Jersey$5,713.58$7,617.00$2,754.94$6,766.62N/A$3,972.72$7,527.16$4,254.49N/AN/A
New York$4,740.97N/A$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69N/A
Pennsylvania$3,984.12N/A$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37N/A
Rhode Island$4,959.45N/A$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98N/A
Vermont$3,190.38N/A$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84N/A$1,903.55N/A
Alabama$3,311.52$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09N/A
Arkansas$5,150.03$4,257.87$3,484.63N/A$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06N/A
Delaware$6,316.06N/A$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98N/A
Florida$7,440.46N/A$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67N/A$2,850.41N/A
Georgia$4,210.70N/A$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88N/A$3,157.46N/A
Kentucky$7,143.92N/A$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89N/A
Louisiana$5,998.79N/A$6,154.60N/AN/A$7,471.10$4,579.12N/A$4,353.12N/A
Maryland$5,233.17N/A$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87N/A$2,744.14N/A
Mississippi$4,942.11N/A$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13N/A
North Carolina$7,190.43N/A$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66N/AN/A
South Carolina$3,903.43$4,691.85$3,178.01N/A$3,625.49$4,573.08$3,071.34N/A$3,424.77N/A
Tennessee$4,828.85$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28N/A
Virginia$3,386.80N/A$2,061.53N/A$2,073.00$2,498.58$2,268.95N/A$1,858.38N/A
West Virginia$3,820.68N/A$2,120.80$2,924.39N/AN/A$2,126.32N/A$1,984.62N/A
Arizona$4,904.10N/A$5,000.08$2,264.71N/A$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
New Mexico$4,200.65N/A$4,315.53$4,458.30N/A$3,514.38$3,119.18$2,340.66N/A$2,296.77
Oklahoma$3,718.62N/A$4,142.40$3,437.34$6,874.62N/A$4,832.35$2,816.80N/A$3,174.15
Texas$5,485.44$4,848.72N/A$3,263.28N/A$3,867.55$4,664.69$2,879.94N/A$2,487.89
Alaska$3,145.31$4,153.07N/A$2,879.96$5,295.55N/A$3,062.85$2,228.12N/A$2,454.21
California$4,532.96N/A$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77N/A$3,338.87
Hawaii$2,173.49N/A$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28N/A$1,189.35
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19N/A$1,867.96$3,226.29$1,877.61
Montana$4,672.10N/A$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74N/A$2,031.89
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83N/A$2,491.10
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78N/A$2,262.16
Wyoming$4,373.93N/A$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55N/A$2,779.53
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Where do you Start?

Well, you certainly are here so that is a good first step.

As a new driver, you really want to compare car insurance and understand the different forms of coverage car insurance companies provide and what they mean. Remember, its never a wise financial decision to buy an insurance policy without understanding exactly how you are insured.

You should also check out online reviews of car insurance companies to get feedback from other drivers, read up on the factors which influence car insurance premiums such as the different makes and models of cars and your area of residence.

Both new and existing drivers do have one thing in common – Always shop around and get multiple car insurance quotes before choosing a provider.