Many companies featured on Money advertise with us. Opinions are our own, but compensation and
in-depth research may determine where and how companies appear. Learn more about how we make money.

Editor: and
Published: Sep 01, 2023 41 min read
Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Best for Customizable Premiums
Easily Compare Quotes In One PlaceBest for Essential Worker and First Responder DiscountsBest for Flexible PoliciesBest for Young Drivers
Progressive LogoInsurify LogoFarmers LogoNationwide LogoState Farm Logo
ProgressiveInsurifyFarmersNationwideState Farm
Our PartnerOur PartnerOur PartnerOur Partner

Bundling, multiple vehicles, installing anti-theft devices, automatic and paperless statements, loyalty rewards, teen driver discounts

Bundling, multiple vehicles, safe driver, anti-theft, low mileage, vehicle safety, homeowner, student, senior, hybrid/electric vehicle, group savings, newly marries, fully/automatic payment

Bundling, good student and students away from home, automatic, paperless, on-time payments, shared family car, anti-theft, anti-lock brake and passive restraint systems, hybrid/ electric vehicles, military members and essential service professionals

Bundling, vehicle safety and anti-theft devices, automatic and paperless billing, safe driver rewards, defensive driving course completion, good student driver (ages 16-24)

Bundling, multiple vehicles, Drive Safe & Save telematics program, defensive driving course completion, vehicle safety features


Mobile app, Name Your Price tool, car insurance calculator, Snapshot tool

Mobile app

Mobile app

Mobile app, SmartMiles, Smart Ride

Mobile app


All 50 states

All 50 states

All 50 states

47 states (Not Alaska, Louisiana or Massachusetts)

All 50 states

Best for Customizable Premiums
Our Partner
View Rates

Bundling, multiple vehicles, installing anti-theft devices, automatic and paperless statements, loyalty rewards, teen driver discounts


Mobile app, Name Your Price tool, car insurance calculator, Snapshot tool


All 50 states

Easily Compare Quotes In One Place
Our Partner
View Rates

Bundling, multiple vehicles, safe driver, anti-theft, low mileage, vehicle safety, homeowner, student, senior, hybrid/electric vehicle, group savings, newly marries, fully/automatic payment


Mobile app


All 50 states

Best for Essential Worker and First Responder Discounts
Our Partner
View Rates

Bundling, good student and students away from home, automatic, paperless, on-time payments, shared family car, anti-theft, anti-lock brake and passive restraint systems, hybrid/ electric vehicles, military members and essential service professionals


Mobile app


All 50 states

Best for Flexible Policies
Our Partner
View Rates

Bundling, vehicle safety and anti-theft devices, automatic and paperless billing, safe driver rewards, defensive driving course completion, good student driver (ages 16-24)


Mobile app, SmartMiles, Smart Ride


47 states (Not Alaska, Louisiana or Massachusetts)

Best for Young Drivers
State Farm
View Rates

Bundling, multiple vehicles, Drive Safe & Save telematics program, defensive driving course completion, vehicle safety features


Mobile app


All 50 states

Whether you’re looking to switch insurers or this is your first time picking out a car insurance policy, our picks for best auto insurance companies offer all the coverage you need.

The companies on our list all offer the five main types of coverage: collision, comprehensive, personal injury protection, liability, and uninsured/underinsured motorists coverage.

They also have a slew of discounts to help offset the cost of your monthly premium. You can lower your rate by choosing paperless billing, insuring multiple cars, taking safe driving courses and staying with the same company, among others.

We prepared a comprehensive breakdown of each company’s policies, provisions and perks to help you on the road to solid and affordable protection.

So, hop in as we review the eight best auto insurance companies for September 2023.

Our Top Picks for Best Car Insurance Companies of September 2023

Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Regardless of time and miles, your car was and still is an investment. Protect it!
Get the kind of coverage that will keep your mind at ease and your car protected. For a free quote, click on your state today.
HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas
View Rates

Best Car Insurance Companies Reviews

  • Free airbag replacement (after it deploys)
  • Lock replacement if your keys are stolen
  • $1K for bail bonds and wage reimbursement if you're required to appear in court
  • Offers non-binary option for gender
  • Doesn't offer rideshare insurance
  • Not all features are available nationwide
  • Coverage not available in Hawaii
Above average (895/1,000)
NAIC Complaint Index
Below median (0.49)

Why we chose it: Amica Mutual made our list for its Platinum Choice Auto policy, which lets drivers earn Advantage Points rewards and save significantly on their deductible.

Amica Platinum Choice Auto Policy is a ready-made package that includes all the basic coverage most people need, in addition to unique perks such as identity fraud monitoring.

In addition, it offers deductible-free glass coverage, rental car coverage and an Advantage Points program where drivers can earn points to reduce their deductibles or keep rates from increasing after a claim.

Amica breaks down its coverage into two categories: the things you need to have and those that are nice to have.

Its offerings include:

  • MedPay — additional coverage for medical bills and funeral expenses
  • Collision — covers accident-related damage
  • Comprehensive collision — covers damage caused by theft, fire or other natural disasters
  • Guaranteed asset protection (GAP) — covers the “gap” between what you owe and the depreciated value of your car if it were to be totaled
  • Credit monitoring service — offered by very few companies, this can help you keep track of your credit and alert you to any potential identity theft

As for customer satisfaction, Amica has had the highest score in the New England region for 10 years in a row in J.D. Power's Auto Insurance Customer Satisfaction study. Amica also has a low National Association Of Insurance Commissioners (NAIC) complaint ratio (rate increases and delays in claims handling are recurring issues) and received a B+ in the 2022 CRASH report card, where mechanics rate insurers based on how they handle policies and make payments.

Amica car insurance discounts
Bundling policies and insuring multiple vehicles
Paperless payments, up-front premium payments and AutoPay
Good driving habits: being claim-free for three years and taking a defensive driving course
Young drivers: for completing a training program, students with good grades and full-time students away at school
Having anti-theft devices, passive restraint or electronic stability features
Loyalty discounts after two years of being insured
Legacy discounts for drivers under 30 whose parents have been insured with Amica for at least five years
Amica car insurance tools
Mobile app: track claims, request roadside assistance, pay bills
Car Connection tool for comparing prices on new and used cars
  • Save on your premium by signing up for the drive-monitoring program
  • Look for premiums within your budget with its Name Your Price tool
  • Compare quotes with Progressive's comparison tool
  • Loyalty Reward program
  • Pricing may vary depending on whether you buy online or over the phone
  • Discounts vary and are not available in all states
Below average (862/1,000)
NAIC Complaint Index
Above median (0.83)

Why we chose it: We picked Progressive as the best car insurance for customizable premiums because its Name Your Price tool lets drivers pick coverage that fits their budget.

Customization sets Progressive apart from the rest. With the Name Your Price tool customers set a budget and Progressive creates a policy to match it. From there, policyholders can pick and choose coverage limits and deductibles.

For example, you can increase the deductible for collision coverage and save on your premium; however, note that if you're in an accident, you'll have to pay a higher amount before the insurance kicks in.

Among the notable add-ons Progressive offers is GAP coverage. For an extra $14 a month, this coverage pays up to 25% of the difference between the value of the vehicle and what you owe. Another valuable add-on is the custom equipment coverage that you can use to repair any accessories meant to aid mobility, a GPS system or any other customization you’ve done to the vehicle.

Progressive also covers some things that few other insurers do. One is rideshare coverage, which covers you if you work for any type of rideshare service (Uber, Lyft or even food delivery), whether you do it full time or as your side hustle. In addition to this, Progressive’s collision policy covers medical care for any injuries your pet sustains during an accident.

In terms of savings, Progressive's telematics Snapshot program uses driving data such as acceleration, braking and distance and gives drivers a discount for safe driving behavior. It also gives customers the option of joining its deductible savings bank. This program puts $50 into savings every six months that go by without a claim until it reaches your deductible limit. Then, if you file a claim your deductible will already be paid for.

Read full review

Progressive car insurance discounts
Bundling auto insurance policy with home, renters or life insurance
Insuring multiple vehicles
Choosing automatic and paperless payments
Maintaining continuous coverage with Progressive
Teen driver discounts: full-time students with good grades and students away from home
Progressive car insurance tools
Find coverage options within your budget with the Name Your Price tool
Car insurance calculator based on your state and personal details
Get personalized rates with Snapshot, a usage-based insurance program (not available in California or North Carolina)
Mobile app: view your driving status, see recent trips and learn ways to improve your driving
  • Available in most states
  • Save money with Drive Safe & Save and Steer Clear programs
  • Travel expenses coverage
  • Drive Safe & Save program not available in CA, MA or RI
Above average (892/1,000)
NAIC Complaint Index
Below median (0.70)

Why we chose it: We chose State Farm as the best car insurance for young drivers because it rewards teenage student drivers with a GPA of 3.0 or higher with up to 25% in savings.

Teen drivers are the most expensive to insure, but State Farm stands out from other insurers by offering teen drivers steep discounts that can offset the high premiums. With the Good Student Discount policyholders can save up to 25% if their teen driver keeps a GPA of 3.0 or higher until they turn 25. Drivers under 21 can also get a discount for taking a driver’s ed course.

Additionally, the “Student Away at School” discount helps customers save by only covering the student while at home on vacation and holidays.

State Farm is well known for its network of close to 19,000 agents across all fifty states. This makes it ideal for people who prefer more personalized service, and who prefer to have a dedicated agent they can go to with questions. It was also the highest ranking car insurer In J.D. Power’s 2021 Auto Insurance Customer Satisfaction report in the Southwest region and came in second in Texas, New York and the New England and Northwestern regions.

As for its policies, State Farm offers rental cars and travel expenses coverage for when you're in an accident 50+ miles from home. Others cover road assistance if your car breaks down (i.e. you get a flat tire, need a jumpstart, or you locked your keys inside the car), whereas State Farm’s travel expenses coverage extends its roadside assistance if you're in an accident and the accident is covered by your comprehensive and collision insurance. This pays up to $500 per loss for expenses like hotel and food, as well as a rental car while your car is in the shop.

One of State Farm’s notable discounts is the Drive Safe and Save telematics program which monitors your speed, braking and other driving factors and provides feedback on these. State Farm gives you a discount just for enrolling and once you start using the app you can get up to 30% discount for safe driving habits.

State Farm car insurance discounts
Bundling with renters, homeowner’s or life insurance policies
Insuring multiple vehicles
Drive Safe & Save telematics program rewards you for good driving habits
Defensive driving courses (in select states)
Vehicle safety features (seatbelt, airbags on older vehicles)
State Farm car insurance tools
Mobile app: pay bills, file claims, request roadside assistance, view ID cards and link your bank account
Make car reservations through Enterprise or Hertz
Directory of reliable auto repair shops

Why we chose it: We chose Farmers as the best car insurance for essential workers due to its array of discounts tailored specifically for teachers, healthcare workers and other first responders.

  • Guaranteed Value coverage pays out an "agreed value" if your car is totaled
  • Has multiple discount categories available
  • Discount for alternative-fuel vehicles (first insurer to offer this)
  • Discount eligibility and percentage varies depending on your place of residence
  • Does not offer GAP insurance
Above average (893/1,000)
NAIC Complaint Index
Below median (0.80)

Why we chose it: Farmers is our pick as the best car insurance for essential workers for its array of discounts aimed specifically at teachers, healthcare workers and other first responders.

Although Farmer’s doesn’t offer the cheapest rates, it offsets these by offering policies and discounts that not many other insurers offer. One example is its Affinity discount, which gives healthcare professionals, members of certain organizations as well as active, reserve or honorably discharged military personnel.

Another notable discount is the Senior Driver discount for people over 55 (or 65, depending on the state) who take a state-approved safe driver training. This is valuable because senior drivers, like teen drivers, pay higher premiums because they’re seen as riskier to insure.

For classic car enthusiasts, Farmers offers classic and collector car insurance. With this coverage, you can protect your collectible at the car show down the road or even while abroad. Policyholders can pair this with spare parts coverage and get up to $750 for spare part repair or replacement, at no extra cost.

A drawback to Farmers is its slightly higher than average rates; however its unique offerings makes it a great option for those who are willing to spend a bit more for custom coverage.

Farmers car insurance discounts
Bundling insurance policies and insuring multiple vehicles
Student discounts for good grades and being away from home
Automatic, paperless and on-time payments
Shared family car (not available in California)
Anti-theft, anti-lock brake and passive restraint systems
Hybrid/electric vehicles or those powered by other alternative fuels (only in California)
Discounts for military members and other essential service professionals
Farmers car insurance tools
Mobile app: chat with an agent, request roadside assistance, get a quote
Specialty insurance options like motorcycle and boat insurance
  • Get discounts with the SmartRide safe driving app
  • Pay based on how many miles you drive
  • Get up to a $500 cash bonus with the purchase or lease of a qualified new car or vehicle
  • SmartRide and SmartMiles discount availability vary per state and coverage selected
  • Accident forgiveness is not available in all states
  • Not available in Alaska, Hawaii, Louisiana or Massachusetts
J.D. Power Score
Below average (876/1,000)
NAIC Complaint Index
Below median (0.34)

Why we chose it: We chose Nationwide as the best for flexible policies because it offers a free yearly policy evaluation where drivers can review their coverage, ask questions, make changes and apply for discounts.

Nationwide offers a variety of standard and optional coverage to choose from. To help drivers choose the right coverage year after year, Nationwide provides the On Your Side Review, a yearly evaluation where customers can bring up questions about their policy and evaluate whether the discounts and benefits still work for them.

Nationwide offers two programs that can help you save based on your driving habits. SmartRide is a telematics program that tracks your driving (miles driven, idle time, night driving acceleration and braking) and gives you feedback to improve your driving. You get 10% off by signing up and can save up to 40% based on how safely you drive. The other program is SmartMiles which charges a base rate of $60 and a variable rate of $0.07 per mile driven every month.

Nationwide also offers the Vanishing Deductible. This discount rewards you with $100 off your deductible for each accident-free year, up to $500. So, let’s say you’ve been with Nationwide for four years without incident. If you do have an accident in your fifth year you'd pay a $100 deductible and you’ll continue earning a yearly reward of $100 the next year.

Nationwide boasts the lowest NAIC complaint index on the list with 0.39, however its ranking on J.D. Power’s U.S. Customer Satisfaction study was below average.

Nationwide car insurance discounts
Save an average of $646 when bundling auto and home insurance
Vehicle safety and anti-theft devices
Automatic and paperless billing
Safe driver rewards for customers who go five years without major violations or at-fault accidents
Complete a defensive driving course
Good student discounts for drivers aged 16 to 24 who maintain a minimum B average
Nationwide car insurance tools
Mobile app: manage insurance policies, make payments, file and track claims and request roadside assistance
SmartMiles, a pay-per-mile car insurance program for low-mileage drivers
SmartRide, a usage-based car insurance program for safe drivers
  • Pay bills or request roadside assistance with the mobile app
  • Coverage calculator
  • Discounts available to federal and military employees, seniors and students
  • Accident forgiveness not available in CA, CT and MA
  • Does not offer GAP insurance
A.M. Rating
J.D. Power Rating
Above average (881/1,000)
NAIC Complaint Index
Below average (0.62)

Why we chose it: GEICO's mobile app not only lets you access digital insurance cards and file claims, it also connects to CARFAX which gives you access to your vehicle’s history and check for recalls.

While the first thing that comes to mind when you think of GEICO is its gecko mascot, where its service stands out the most is its completely digital experience, which is ideal for those who would rather go online than call customer service.

With GEICO's mobile app, policyholders can request roadside assistance, upload photos to get damage estimates as well as submit and manage their claims. It can also serve as a type of “agent in your pocket” that answers insurance-related questions and helps you stay on top of your car's history, sending you alerts about recalls or when it's time for maintenance.

GEICO offers all the standard types of coverage, such as bodily injury liability, collision, comprehensive, uninsured/underinsured motorist and medical coverage. Its site offers a breakdown of these along with information on limits, premiums and deductibles to help customers create a policy that fits their needs and budget.

It also offers a slew of discounts to help customers get lower rates. These are divided into four areas: vehicle equipment, driving history and habits, driver affiliation and customer loyalty. For example, their anti-theft system discount can save members up to 23% and a driver that has gone accident free for 5 years can save up to 22%.

GEICO also offers notable discounts for the military — one for being an active or retired member and one in case of emergency deployment. These can save policyholders 15% and 25% respectively. Of all the companies on our list, GEICO is one of only two who offer such discounts for military personnel.

As for third-party ratings, GEICO scored above average in almost every region surveyed by J.D. Power’s 2022 U.S. Auto Insurance Customer Satisfaction study, with the exceptions being Texas, and the Mid-Atlantic and Southeastern regions.

GEICO car insurance discounts
Equipment discounts for new cars, airbags, anti-lock brakes, anti-theft systems and others
Being accident-free for five years
Using a seatbelt, taking defensive driving or driver's education courses and being a good student
Affiliation discounts for military members and federal employees
Insuring multiple vehicles and having multiple policies
Senior driver discounts for drivers over 50
GEICO car insurance tools
Mobile app: access ID cards, pay bills and request roadside assistance or customer support 24/7
DriveEasy telematics program rewards safe driving behavior
Car insurance coverage calculator
  • Get driving insights and discounts for safe driving with Drivewise
  • Safe Driving Bonus for every 6 months you're accident-free
  • Get discounts for new cars and teen drivers
  • Drivewise program not available in every state
  • Premiums vary depending on whether you buy online or through a local agent
A.M. Best Rating
J.D. Power Rating
Below average (870/1,000)
NAIC Complaint Index
Above median (1.09)

Why we chose it: We chose Allstate’s as the best auto insurance for usage-based programs due to its Drivewise telematics feature, which helps drivers save by tracking their driving, offering feedback and rewarding them for being safe on the road.

Nowadays, the best auto insurance companies offer telematics and our top pick from among them is Allstate Drivewise. This telematics provides feedback on your driving behavior and rewards you for safe driving. Customers get 10% off just for signing up and can save up to 40% with all the combined discounts.

One of Drivewise’s notable safety features is crash detection. As the name says, it detects when you’re in an accident — regardless if you’re the driver or passenger — and sends you a notification offering to contact roadside assistance or 911.

Allstate also stands out when it comes to bundling discounts. Customers can get 10% off auto insurance and 25% off homeowners when they get both policies. In contrast with other providers, Allstate’s home insurance policies include flood protection, making bundling a very attractive alternative.

Additionally, unlike many competitors, Allstate offers coverage in Mexico for either your own vehicle or a rental while you travel. This makes them a great option for customers in Texas and other border states.

Having said that, Allstate's low customer satisfaction scores in both J.D. Power's 2020 studies (Claims Satisfaction and Auto Insurance Customer Satisfaction) could be cause for concern, especially because these scores haven't improved much in the 2022 Auto Insurance Study. (Note that the 2022 Claims Satisfaction study has not been published). Customer satisfaction varies by specific location, so our advice would be to research Allstates service in your area to determine if it's a good fit for you.

Allstate car insurance discounts
Vehicle equipment discounts for new cars, anti-lock brakes and anti-theft devices
Multiple policies
Safe driving
Signing your policy seven days before it becomes effective
Not missing any payments for a year
Discount for students with good grades, those who study away from home and complete a driver's education program
Automatic payments, full payments and paperless billing
Allstate car insurance tools
Mobile app: access ID cards, pay bills, report claims, request roadside assistance and accident support
Drivewise, a usage-based insurance program
Milewise, a pay-per-mile car insurance program
Bumper-to-Bumper Basics, a tool for selecting the right coverage limits and deductible
  • The highest overall customer satisfaction rating out of the companies we reviewed
  • Offers family discount for members whose parents were customers of USAA
  • Available in all 50 states, including Washington, D.C.
  • Not available to civilians
  • Offers fewer specialty coverages compared to other car insurance providers
A.M. Best Rating
J.D. Power Rating
Highest Overall (909/1,000)
NAIC Complaint Index
Above median (0.85)

Why we chose it: Our pick for the best car insurance company for military families and veterans is USAA because it caters specifically to these groups and has one of the highest customer satisfaction ratings of all the companies we reviewed.

In J.D. Power's 2022 Auto Customer Satisfaction Study, USAA scored the highest in all states and regions studied except California. (Note that USAA did not earn a rank because, according to J.D. Power, it doesn’t meet the study award criteria.)

Like other companies, USAA offers a variety of discounts with some unique features. These include a car storage discount for those members who store their vehicle at a military installation. In this case, customers get up to 60% off their policy and could save up to 15% on comprehensive coverage for storing their car in a military base or installation. It also offers a low-mileage discount that both stateside and deployed members can benefit from.

Another area where USAA shines is its Safepilot telematics program. By enrolling, members get an automatic 10% discount and then stand to earn up to 30% off for safe driving. However, note that Safepilot works through an app, and the latest reviews for these show a pattern of complaints describing the last update as “buggy” and frustrating to use.

Although well known for customer service, recent reviews logged with the Better Business Bureau point to a possible slump. Customers complained about problems with the claims process and inconsistent customer support.

Although USAA is one of the best providers out there for military members, we recommend you make sure that USAA's other insurance policies are a good fit as well, for there may be other providers that offer a better bundle.

Read full review

USAA car insurance discounts
Safe driver discount for being accident-free for more than five years
Defensive driving discount for taking an approved course
Driver training discount for completing a basic driver training course
Good student discount for teenage drivers with good grades
New vehicle discount for a car that’s less than three years old
Multi-vehicle discount
Vehicle storage discount
Family discount
Military installation discount
Automatic payments
USAA car insurance tools
Mobile app: manage policy, get car insurance quotes, get auto ID cards and transfer funds
Ads by Money. We may be compensated if you click this ad.AdAds by Money disclaimer
Protect yourself and your car with Auto Insurance
If you're looking for insurance that fits your budget and your lifestyle, request a quote and start shopping today. Click below for more information.
View Rates

Other car insurance companies we considered


  • Above-average customer satisfaction rating with J.D. Power
  • Ability to lock in rates until you change covered drivers, covered car or home address
  • It only operates in IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI and DC

Why Erie didn’t make the cut: This provider only operates in 12 states and the District of Columbia.

Erie came in as the top auto insurance company in J.D. Power’s 2022 Auto Customer Satisfaction Study in both the Mid-Atlantic and North-Central regions.

The Rate Lock feature helps Erie stand out among the rest. This unique feature freezes policyholders insurance premium year after year — even after filing a claim. We found no other provider that offers this feature.

When it comes to discounts, Erie offers similar ones to others on our list — notable among these are diminishing deductibles, first accident forgiveness and vehicle storage.

Liberty Mutual

  • Save up to 30% on your policy for safe driving with RightTrack app
  • Get a discount for your hybrid or electric vehicle
  • Get a better price when you purchase your policy online
  • Second highest NAIC complaint ratio out of all insurers on our list
  • Accident forgiveness not available in CA

Why Liberty Mutual didn’t make the cut: Liberty Mutual didn’t make our main list because it has one of the highest complaint ratios with the National Association of Insurance Commissioners (NAIC) from the companies we evaluated.

Liberty Mutual didn’t make our main list because it has one of the highest complaint ratios with the National Association of Insurance Commissioners (NAIC) from the companies we evaluated. This is not to say that its coverage is poor or lacking.

Like many other companies, Liberty Mutual offers medical expense payments, uninsured motorist, personal injury protection, liability coverage, collision and comprehensive coverage. It also offers riders such as roadside assistance, GAP coverage and rental reimbursement.

Some unique features include coverage for teachers who store valuable supplies in their cars and its lack of caps on the discounts you can accrue. It also provides a coverage calculator right on its site which you can use to determine the level of protection you want.

Read full review


  • Features two accident forgiveness plans
  • Intellidrive program can reduce rates by as much as 20%
  • Optional premier program combines new car replacement, loan/lease GAP coverage and a glass deductible
  • High NAIC complaint index compared to other insurers
  • Rideshare coverage only available in CO and IL
  • Not available in AL, HI, LA, MI, ND, SD or WV

Why Travelers didn’t make the cut: Travelers didn't make our best auto insurance list because it doesn’t offer policies in Alaska, Hawaii, Louisiana, Michigan, South Dakota, North Dakota or West Virginia.

Travelers can give you a quote in five minutes or less, and you don’t even have to provide a driver’s license number. If you request your car insurance quote while you’re still insured with another company, you might receive a discount of up to 10% once you sign up.

Travelers' coverage options include liability, collision, comprehensive, personal injury protection and medical expenses. It also offers additional coverage options like loan/lease GAP coverage, rental reimbursement, accident forgiveness, new car replacement and roadside assistance. Note that it only offers rideshare coverage for Uber or Lyft drivers in Colorado and Illinois.

Travelers’ didn't make our list because it doesn’t offer car insurance in Alaska, Hawaii, Louisiana, Michigan, South Dakota, North Dakota or West Virginia.


  • Compare online quotes from multiple top insurance providers at the same time
  • Users can compare other types of policies such as home, renters and life insurance
  • Doesn't offer quotes, the website redirects you to lender websites
  • May share information you provide with lenders and other third parties

Why Quote Wizard didn’t make the cut: QuoteWizard didn't make our list because it’s a marketplace, not an insurance provider, therefore its quotes do not reflect the price customers will end up paying.

If you’d like to compare car insurance quotes from different companies, the QuoteWizard marketplace is a great option. Its site makes it fairly easy to compare quotes and types of coverage from the major companies, saving you the time it would take to contact each individual provider.

Do note that the quotes provided are estimates as there are many factors that affect your premium and average rates, including your vehicle make and model, location and, of course, the type of coverage you want. You’ll also have to check local and state laws to make sure your policy meets the minimum liability requirements.

QuoteWizard didn't make our list because it’s a marketplace, not an insurance provider, therefore its quotes do not reflect the price customers will end up paying.

Spark Auto Insurance

  • Partners with other auto insurance companies
  • Requires you to enter personal information before connecting you with its provider network
  • Allows drivers to compare coverage from comparing multiple companies
  • Coverage varies by provider

Why Spark Auto Insurance didn’t make the cut: When we tried to get quotes for a hypothetical customer it yielded just one result.

Spark Auto Insurance is an online marketplace where customers can compare quotes and coverage from some of the best insurance companies in the market such as Progressive, State Farm, Liberty Mutual, Travelers and Allstate.

This network of providers offers standard and optional coverage options, such as bodily injury liability, damage liability, collision, comprehensive, personal injury, medical payments and underinsured motorist, among others.

To get a quote, users need to input basic information such as their address, vehicle make and model and marital status. Spark then shows one or more results from providers that offer a policy to match their particular profile.

Car Insurance Guide

In this section, you will learn what auto insurance covers, the types of coverage most companies offer and what can raise (or lower) your monthly premium.

We also include a step-by-step guide on buying car insurance and explain why car insurance is worth your money.

How does car insurance work?

Auto insurance helps you cover losses stemming from theft, collision and liability involving your vehicle. In simple terms, you pay premiums to an insurer, and it pays for any losses as stipulated in your policy, which generally includes damage to other vehicles and injury to the persons involved.

These policies always feature a deductible, that is, an amount you must pay out of pocket before the insurer covers the rest. These can range from $250 all the way to $2,000. Policies with higher deductibles will cost less than those with lower deductibles because you’ll assume more of the cost of repair or replacement in the event of an incident.

What does car insurance not cover

Car insurance does not typically cover property within your vehicle, however. For example, if someone breaks into your car and steals your laptop, the insurer will pay to replace the window and any other damage done to the car, but not the computer. In order to cover that, you would need homeowners or renters insurance.

What states require car insurance?

Auto insurance is regulated at the state level, so your policy’s minimum liability limits will depend on local laws. Except for New Hampshire and Virginia, all other states require drivers to buy car insurance or pay some sort of fee if uninsured.

Types of car insurance coverage

There are seven standard components of auto insurance coverage:

  • Liability insurance includes property damage and bodily injury liability; the latter covers medical expenses to others stemming from an at-fault accident.
  • Uninsured/underinsured motorist coverage covers medical bills and repairs if you’re in an accident caused by another driver with little or no insurance.
  • Comprehensive coverage covers repairs if your vehicle is damaged by something other than another vehicle (including hail, fire, floods, theft and vandalism).
  • Collision coverage covers repair costs to your vehicle if you're involved in a car accident that is deemed to be your fault.
  • Medical payments coverage covers medical expenses if you or your passengers are injured in an accident.
  • Personal injury protection (PIP), also known as no-fault insurance, covers medical bills, loss of wages and funeral costs for you or your passengers if you're in an accident, regardless of who is at fault.
  • Guaranteed asset protection (GAP), supplements your car insurance when you owe more on the car than its cash value. This would typically not be covered under a regular policy.

In addition to these, optional insurance riders can give you additional coverage such as roadside assistance, glass replacement and rental reimbursement at an extra cost.

What does full coverage car insurance cover?

Full coverage auto insurance refers to a combination of liability, collision and comprehensive coverage. These coverage options financially protect drivers by reimbursing them for damages to their vehicle, injuries to passengers, and any damages to other cars and their occupants.

How much is car insurance?

Car insurance costs $1,176 on average, according to The National Association of Insurance Commissioners (NAIC)’s most recent Auto Insurance Database Report. However, this can vary greatly depending on a wide range of factors. In fact, the NAIC explicitly mentions that state-to-state comparisons are difficult to make because of the high degree of variability on insurance requirements and other factors.

Common factors that increase premiums

While your driving record and the type of car you drive influence your premium, there are other factors that affect what you pay for car insurance. Broadly speaking, the higher the risk you seem to present for an insurer, the higher the premium will be.

What drives up car insurance premiums?

Here are some of the factors that will determine your premium.

  • Car usage: If you don’t drive often, there are fewer chances you’ll be involved in an accident. The opposite is also true; the more you drive, the more likely the insurance company has to pay out a claim, which leads to higher premiums.
  • Place of residence: Where you live influences your car insurance premium. Generally, metropolitan areas like New York City, for instance, have higher vehicle theft and vandalism rates than rural neighborhoods, which means a higher risk.
  • Age: Drivers under the age of 25 usually pay higher premiums because insurers see inexperience as a contributing factor in accidents. Teenagers, therefore, are considered high-risk drivers and will often have to pay the highest premiums.
  • Gender: Statistically speaking, women are involved in fewer car accidents than men, resulting in lower premiums.
  • Marital status: Insurers consider married drivers as safer than single drivers.
  • Commute: Insurers ask for mileage information, such as how many miles you drive a year, because longer commutes increase your risk of being in an accident. Some companies have specific guidelines to determine whether your car is what’s known as a pleasure vehicle (around 7,500 a year or 20 miles a day), and offer low rates for these.
  • Homeowner status: Generally speaking, insurers regard homeowners as more financially stable, and thus less of a risk, than renters.
  • Owning luxury or sports vehicles: These cars cost more to repair, have higher vehicle theft rates and plenty of horsepower, which makes them costlier to insure.
  • Accidents or tickets: These can hike up your payments for three years or longer. Having a speeding ticket or DUI violation on your record can also cause your rate to go up.
  • Credit score: While some states have banned the practice, many states still let insurers use credit-based insurance scores to price policies, claiming that drivers with poor credit are statistically more likely to file insurance claims than those with good credit.

How to lower your car insurance premium

There are things you can do to lower the cost of your car insurance. You might already know about bundling and discounts, but there are other things you can do to help offset the high cost of insurance. (And, if you’re interested in switching insurers to get a lower price, take a look at Money’s guide on how to change car insurance.)

Bundle insurance policies

On average, bundling can save you 8% on your combined premiums. Consider one of our best homeowners insurance or renters insurance providers if you're looking to bundle auto and home.

Increase your deductible

The deductible is the portion of damages you’ll have to pay out of pocket before the insurance company pays the rest. Increasing your deductible can reduce your premium payments into more affordable auto insurance rates. This may be a worthwhile gamble, especially for infrequent drivers.

Review your policy regularly

Reassessing your current policy annually before renewal, or whenever you make life changes that affect who is driving your car, can ensure you’re getting the type and level of car insurance coverage you need and can afford.

Apply for discounts

Companies offer discounts to policyholders that maintain a clean driving record and drive vehicles with good safety features.

Although discounts vary from one lender to the next, they often include:

  • Bundling policies with the same company
  • Insuring multiple vehicles
  • Taking a drivers education course
  • Automatic and paperless payments
  • A higher deductible
  • Maintaining continuous coverage
  • Safe driving
  • Student driver with good grades
  • Low annual mileage
  • Students away at college
  • Vehicle safety features

Reduce coverage on old cars

You can reduce your annual premium by dropping collision or comprehensive coverage on vehicles that are 10 years or older. Similarly, you might consider dropping collision coverage on vehicles you don't use or have in storage.

Consider usage-based insurance

Usage-based insurance (UBI) options take into account your current driving habits to establish your premium.

For example, pay-per-mile insurance can help infrequent or short-distance drivers save 20% to 40%, while pay-how-you-drive insurance could help good drivers save up to 40%, plus a discount for signing up.

Usage-based insurance options that measure how fast you drive, how quickly you turn and how abruptly you break could end up costing you more if you don't drive safely.

Shop for rates

Shopping around and comparing price quotes from at least three different insurance providers can help you get the cheapest car insurance rate, without sacrificing important coverage. Using a car insurance comparison tool can help match you with a provider that offers the best car insurance policy for your vehicle.

You can get rate quotes directly from insurance companies online or over the phone. Some state insurance commissioners also provide information on average car insurance prices in your state.

Besides average rates, consider available discounts, coverage limits and deductible options when shopping for car insurance coverage. If you don’t know where to start, an independent insurance agent or broker could help you narrow down your choices.

If you want to read more about savings opportunities with online insurers, read our guide to the best cheap car insurance companies.

Finally, check out our article on how to lower your car insurance premiums for more ways to save on auto policies.

How to get car insurance

Whether you’re getting car insurance because you just bought your first car or your current insurance contract is nearing the end of its term, it’s a good idea to review the steps for buying car insurance. These are:

  • Gather your personal and vehicle information (driver's license, vehicle registration and a copy of your existing insurance declaration page if the vehicle is already insured).
  • Get quotes from several providers (we recommend between 3 to 5)
  • Compare the premiums, types of coverage and limits.
  • Read customer reviews on the providers you’re considering to determine which is the best for your location.
  • Buy your new car insurance policy (and cancel your old one).

Read our article on How to Buy Car Insurance for detailed information on what you need to know before signing on the dotted line.

Is car insurance worth it?

Car insurance is mandatory in all states with the exception of Virginia and New Hampshire, so most auto owners don’t have much of a choice in whether to insure their vehicle.

Since it's mandatory, driving while uninsured is considered a misdemeanor and will result in a fine of anywhere between $50 to $1,500, depending on your location. In some states, it can even result in jail time of up to five years. Given that the national average premium cost is $1,190 a year, it’s easy to see how it’s definitely worth it.

Latest News on Car Insurance

How We Chose the Best Car Insurance Companies

The methodology we used to find the companies that offer the best auto insurance out there, we vetted 23 insurers, all of which were featured on the NAIC’s 2022 Property/Casualty Market Share report for Private Passenger Auto as well as J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study.

We only considered companies with relatively few complaints involving their private passenger policies, as reported by the National Association of Insurance Commissioners (NAIC).

We also prioritized nationwide auto insurers with superior financial strength ratings, ample discounts, technology integration through telematics programs and above-average customer satisfaction scores from J.D. Power.

Finally, we looked at CRASH Network’s most recent report which rates insurers based on feedback from ​​1,100 automotive collision repair professionals, taking into account payment practices and policy handling.

In short, we focused on the following factors:

  • Financial stability: An insurance company’s financial stability can be gauged by its AM Best credit rating. We chose insurers with an A rating or better.
  • Discounts: Auto insurance policies that cover anything beyond basic liability can be costly. We picked companies who offered plenty of bundling options and generous discounts.
  • Technology: Most of the companies on our list use automation to provide auto insurance quotes in a matter of minutes and have a 24/7 claims process. Car insurance companies that allow policyholders to file car insurance claims via apps ranked higher on our list.
  • Customer experience: Filing a claim can undoubtedly be a hassle. To help you minimize the stress, we chose companies with high customer satisfaction ratings as reported on J.D. Power's 2022 U.S. Auto Claims Satisfaction Study.

Car Insurance FAQ

How much is car insurance a month?


Per the NAIC's most recent Auto Insurance Database Report, the national combined average cost of car insurance is $1,176 a year, which is about $100 a month.

Keep in mind however that the cost of car insurance will ultimately depend on a number of factors such as your age, location, gender, driving experience and annual mileage.

What is liability car insurance?


Liability car insurance covers drivers in the event of an at-fault accident and includes bodily injury liability and property damage coverage. In most states, this type of insurance is a requirement.

Bodily injury liability protects drivers if they're at fault for an accident by covering the medical expenses of the other driver or their passengers.

Property damage liability, on the other hand, protects at-fault drivers by covering the cost of the other person's property repairs.

What is comprehensive car insurance?


Although comprehensive auto insurance sounds like it provides coverage for everything, the truth is the name can be misleading and it is often confused with "full coverage."

However, comprehensive insurance only covers damage to your car that results from something other than a vehicle, such as theft, damage from fire, hail or vandalism.

The best car insurance companies provide what's called "full coverage," which refers to the combination of collision and comprehensive coverage. Although these two policies are optional, cars with both policies are considered "fully insured."

How much car insurance do I need?


In addition to state minimum coverage, you should get additional liability insurance for bodily injury and property damage to protect your assets in the event of an accident. The same goes for Uninsured/underinsured motorist insurance.

As for collision and comprehensive insurance, these cover the cost of damage to your car so you should focus on the deductible you want to pay. A high deductible will mean a low premium, whereas with a low deductible you'll pay a higher premium.

How much is car insurance for a 16 year old?

As insurance premiums depend on various factors, it is hard to get reliable data on car insurance rates for 16-year old drivers. What we can say for sure is that premiums for this age group are higher than most. Since younger drivers have less experience and are statistically more likely to get into accidents, insurers will charge a higher premium.

What is the best car insurance company?


The best car insurance company for you will be the one that best fits your needs and budget. That being said, Money's top pick for the best coverage package is Amica Mutual, which also garnered the highest overall customer satisfaction rating with J.D. Power.

We also consider Progressive to have the best offerings for customizable premiums and State Farm to have the best policies for younger drivers.

Summary of Money’s Best Car Insurance of September 2023