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5 Best Auto Insurance Companies Of 2025

We've reviewed and ranked the best auto insurance providers of 2025 based on available driver discounts, past customer reviews, AM Best rating, time in business, and ease of the online quote process.

Last Updated: June 10, 2025

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InsuranceRanked.com is a free online resource that provides valuable content and comparison features to visitors. To keep our resources 100% free for consumers, InsuranceRanked.com attempts to partner with some of the companies listed on this page, and may receive marketing compensation in exchange for clicks and calls from our site. Such compensation can impact the location and order in which such companies appear on this page. All such location, order and company ratings are subject to change based on editorial decisions.

Our Auto Insurance Partners

AAA, Allstate, Blue Sky Coverage, Branch Insurance, Direct Auto, Esurance, Farmers, GEICO, Liberty Mutual, Mercury Insurance, Noblr, Progressive, Root Insurance, The General, unitedstatesinsurance.com, USAA

Shop Around: Click on 2 or more insurers below to compare quotes and maximize your savings

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1
QuoteWizard
  • Acquired by LendingTree in 2018
  • Includes informative guides to safe driving
  • Can compare up to 30 insurance providers online
  • Provides information about car insurance costs in each state
View Rates100% Free Quote
2
Clearcover
  • Online and in-app purchasing, customer service, and claims processing
  • 24/7 roadside assistance
  • Premiums up to 30 percent less than competitors
  • Ridesharing Endorsement allows drivers to use their regular policy for rideshare driving
View Rates100% Free Quote
3
CoverHound
  • Offers real-time quotes for auto insurance
  • Accept all forms of credit and debit cards
  • Partnerships with more than 25 big-name insurance carriers
  • No brokerage fees
View Rates100% Free Quote
4
Metromile
  • Uses AI and telematics to keep costs down
  • Charges customers a base rate plus pay-per-mile
  • Customers save on average $600/year
View Rates100% Free Quote
5
Gabi
  • Fully licensed in all 50 states
  • Get a quote in minutes
  • Compare quotes from leading carriers
View Rates100% Free Quote

AM Best Rating: A.M. Best's Financial Strength Rating (FSR) is a measure of an insurer's financial strength and ability to pay out claims to policyholders. An "A" rating with A.M. Best indicates that an insurer is considered to be top of the industry in ability to meet ongoing insurance obligations.

Best Auto Insurance Companies of 2024: Which One is Right for You?

Choosing the best auto insurance company can seem like a tedious task. With so many options, how do you know which is the best?

Our comprehensive guide covers the importance of understanding auto insurance, its different types, how to compare coverage, and the various factors that can affect your auto insurance rates.

Understanding Auto Insurance and Its Importance

As a driver, understanding auto insurance and its importance is essential in case you ever need to use it, particularly in a severe accident. They can have significant financial and legal consequences.

Car insurance protects you financially if an unexpected accident or incident occurs on the road. Auto insurance can include medical expenses, vehicle repairs, and legal liabilities that protect you and your property.

Auto insurance is customizable, so you can add or remove coverage to suit your needs and budget.

When choosing an insurance company, coverage options and customer service experiences vary. Comparing reviews and ratings helps you make an informed decision and save money.

Methodology

Our methodology involved thorough research and analysis of customer reviews and ratings. We carefully examined coverage options and pricing, evaluating how each insurance company handles customer service and claims.

Considering their financial strength and stability, we compared each company's discounts and benefits. Additionally, we assessed their industry reputation and customer satisfaction.

Assessing Your Car Insurance Needs

In selecting the right car insurance, you need to be in the driver's seat and navigate through the essentials.

  • Minimum Coverage: Find out what minimum coverage is required in your area to stay compliant with the law.
  • Review Coverage Options: Review each available coverage type's prices, pros, and cons to identify what areas you want to protect. Drivers less comfortable taking on the financial risk of loss tend to buy more coverage than people with high-risk tolerances.
  • Budget: Strike a balance between affordability and suitable coverage. Don’t skimp on protection, but avoid overburdening yourself with hefty costs.

Proactively assess your car insurance needs by understanding the minimum requirements, customizing options to fit your lifestyle, and staying mindful of your budget for a smooth and confident decision.

Navigating Different Types of Auto Insurance

Understanding auto insurance coverage types is crucial for selecting the right policy. Liability, collision, and comprehensive coverage cater to specific needs and budgets.

Research and compare insurers based on customer satisfaction, financial stability, and discounts. Evaluate additional benefits like roadside assistance or accident forgiveness for peace of mind, and regularly review and update your policy to suit changing circumstances.

The most common and extensive car insurance policy types are:

  • Liability Car Insurance: Pays for other people's property damage and injuries you cause. Does not reimburse for your injuries or vehicle damage. Legally required in most states.
  • Collision Car Insurance: Covers damages resulting from collisions with other vehicles or objects, making it a typical requirement for those with car loans or leases, and it may also extend coverage to damages caused by potholes, fences, or buildings.
  • Comprehensive Car Insurance: Safeguards against damages caused by non-collision incidents like theft or vandalism, protecting against various risks and damages.
  • Full Coverage Car Insurance: Bundles your vehicle’s protection for liability, collision, and comprehensive coverage against potential risks and damages.
  • Uninsured and Underinsured Motorist Car Insurance: Protects you during accidents with uninsured drivers or hit-and-run incidents and at-fault drivers with insufficient coverage to pay for damages to your vehicle. Several states require all drivers to buy this insurance.

Your car insurance policy may include some or all of the following additional coverage types:

  • Gap Insurance: Pays for the price gap between your car's cash value and loan balance. Some lenders require gap insurance.
  • Non-Owner Car Insurance: Provides liability protection for individuals who don't own a vehicle and frequently rent or borrow cars. Does not include physical damage to the vehicle.
  • Personal Injury Protection (PIP) Insurance: Broad coverage for medical expenses, lost wages, and other costs for you and your passengers, regardless of who was at fault in the accident. Also known as "no-fault" insurance.
  • Medical Payments (MedPay): Helps pay for your and your passenger's medical bills after an accident, regardless of who was at fault.
  • Rental Reimbursement: Covers rental car costs while your vehicle undergoes repairs after an accident or covered event.
  • Roadside Assistance: Pays for services like towing, flat tire assistance, fuel delivery, and jump-starts to help drivers in case of breakdowns or emergencies on the road.

One other thing to consider is whether you should request replacement value coverage or stick with the lesser actual cash value.

Suppose you have a one-year-old car and hit a deer that totals the vehicle. Replacement value coverage provides you with a new, similar car. However, the actual cash value is what the car was worth when totaled, minus depreciation, wear and tear.

Understanding the different car insurance types empowers you to protect yourself and your loved ones on the road. Whether you opt for liability, collision, or comprehensive coverage, reexamine and update your policy regularly to changing circumstances, ensuring you have the appropriate protection on the road.

Comparing Auto Insurance Companies

When selecting the right auto insurance company, considering more than price helps you make an informed decision and find affordable prices. Check out an insurance company's financial strength, reviews, policy options, claims process, and accessibility features like mobile apps.

Evaluating Financial Stability and Customer Ratings

Banks aren't the only institutions that can fail -- insurers can too. Third-party organizations like AM Best, a global credit agency, evaluate a company's financial stability and ability to handle claims. Choose a company with an AM Best rating of A- or higher.

Next, weigh the customer ratings and reviews from policyholders. Customer feedback provides valuable insights into the insurance company's overall satisfaction and service quality.

Research complaints filed against the insurer to assess their customer service track record. You can access resources like your state’s insurance department and the Better Business Bureau.

Finally, evaluate the claims process of different insurers to find one with a streamlined and efficient method for easy resolution after an accident.

Comparing Coverage Options and Policy Terms

Review available coverage types, such as liability, collision, and comprehensive, and determine which ones meet your requirements. Although auto insurance companies tend to offer similar coverage options, policy terms can vary among them.

Deductibles, limits, and exclusions can affect out-of-pocket costs, so factor them into your decision. Many companies offer customization options like roadside assistance or rental car reimbursement.

Understanding the Claims Process and Customer Service

Choosing one insurance company over another may not come down to price--the claims process and customer service can be the deciding factors.

A streamlined claims process and responsive customer service team can significantly impact your overall satisfaction with the company. Customer reviews can indicate and foreshadow your claims experience and the insurance company’s customer service reputation,

Take your time to find an insurer that offers a stress-free claims process and excellent customer service.

Usage-Based Insurance (UBI) and Telematics

Usage-based insurance (UBI) and telematics collect and transmit data about your driving habits, like speed, mileage, and braking. Insurance companies use devices installed in the car or smartphone mobile apps to personalize premiums based on your driving behavior.

Telematic data can reward safe driving practices with discounts or lower premiums, offering potential savings if you're a low-mileage driver with safe driving records. UBI and telematics promote transparency and allow safe drivers to receive additional discounts.

Mobile Apps and Digital Services for Policy Management

Many auto insurance companies offer mobile apps for convenient policy management. Apps can simplify policy management through easy online claims filing and policy document access. Some apps also include convenient features like roadside assistance and accident reporting.

Investigate the mobile app’s user-friendliness and functionality to help you determine if the insurer’s digital services align with your needs and preferences.

Discounts Available

Car insurance companies offer various discounts, including safe driver, multi-policy, and good student discounts.

They may also provide discounts for anti-theft devices and usage-based insurance. Some companies extend discounts based on occupation or membership in specific organizations.

When comparing insurance companies, consider the available discounts they offer. Additionally, inquire about any unadvertised discounts that may be available.

What Factors Can Affect Your Auto Insurance Rates?

Several factors can impact your auto insurance rates. Your driving record, the type of car you drive, your location, and other factors like age, gender, marital status, and credit history can all play a role in determining your rates.

  • Age, Sex, and Marital Status: Personal details can impact auto insurance rates since younger drivers, especially males, tend to have higher rates due to perceived higher risk. Likewise, married people typically receive lower rates.
  • Location and Zip Code: Crime rates, accident statistics, and population density in urban areas can lead to higher insurance rates than in rural areas.
  • Driving Experience: Newer drivers pay higher rates than more experienced drivers.
  • Driving History: Insurance companies consider your past accidents, traffic violations, DUIs, and their frequency to evaluate if you're a risky driver.
  • Occupation: Insurance companies consider factors like average mileage, commuting distance, and job-related risks; certain professions have a higher risk, leading to loftier insurance rates, while others may be eligible for discounts or lower rates.
  • Credit Score: Insurance companies reward customers with higher credit scores with lower insurance premiums. However, people with lower credit scores face higher rates.
  • **Claims History: Customers with **frequent and severe claims history can translate into higher auto insurance rates.
  • Prior Insurance Coverage: Individuals with a lapse in coverage or no previous insurance can result in higher premiums.
  • Vehicle Type and Age: Newer vehicles cost more to insure than older cars because they are more costly to repair and replace. Sports and luxury vehicles usually have higher insurance rates due to their higher value and theft risk.
  • Anti-theft and Safety Features: Cars with anti-theft features like alarms, immobilizers, and tracking systems, and safety elements like airbags, anti-lock brakes, and stability control may qualify for lower insurance rates.
  • Annual Mileage and Usage Type: Drivers with low yearly mileage or only using the vehicle for pleasure or commuting can decrease their insurance costs.
  • Coverage and Deductible Amounts: Higher coverage limits and lower deductibles typically result in higher premiums.
  • Insurance Company: Rates and discounts different companies offer vary based on their underwriting criteria.

How Can I Find the Best Price on Car Insurance?

Shopping around enables you to compare quotes from several insurers, helping you find the best price on car insurance.

Many insurance providers give discounts for bundling policies, maintaining a good driving record, or taking defensive driving courses. Another way to save on premiums is by increasing your deductible--but be prepared for higher out-of-pocket costs in case of a claim.

Shop Around

Shopping around is the key to unlocking potential savings and securing a policy that fits your budget.

Online auto insurance comparison tools make exploring a wide range of options conveniently and efficiently easy. Comparing coverage options and rates from several insurance providers helps you find the best price. Receiving an online quote is a no-obligation and free process.

Start by using identical coverage limits and comparing quotes from multiple insurance providers. Shopping around is essential since rates can vary significantly from one company to another.

When comparing quotes, check the policy's fine print to ensure you know any potential limitations or exclusions that could impact your coverage. Also, check the insurance company's financial strength ratings. Cheap insurance from an insurer with a B or lower rating could mean they have trouble covering their claims.

Anytime you experience a significant life change, such as moving, changing jobs, or marriage, notify your provider because you might need to update your coverage.

Choose a Higher Deductible

Selecting a higher deductible can be a savvy move to reduce your insurance premiums and save money.

By opting for a higher deductible, you agree to pay more out-of-pocket for a claim before your insurance coverage kicks in. This trade-off can lead to substantial savings on your premiums, making it an attractive option for budget-conscious drivers. Higher deductibles work best for drivers with a clean record and minimal claims.

However, consider whether you can handle the higher deductible amount. Although higher deductibles can mean lower premiums, you'll need to have that extra cash on hand if an accident occurs. A higher deductible may be a practical and cost-effective choice for drivers with a clean record and a history of minimal claims.

On the other hand, if you anticipate making frequent claims or don't have significant emergency savings to cover a higher deductible, it might be wiser to stick with a lower deductible. Although this could result in higher premiums, it provides security for unexpected accidents, knowing you have financial protection when needed.

Ask About Discounts

Asking about discounts is a fast way to save money on auto insurance.

Many insurers offer discounts for many reasons: driving record, grades, your car’s safety equipment, and more. These are the most common auto insurance discounts:

  • Safe and accident-free driving record
  • Defensive driving course
  • Loyalty or long-term customer
  • Good student
  • Anti-theft device
  • Low mileage
  • Multiple vehicles
  • Mature driver
  • Paperless, e-billing, pay-in-full, or electronic payment
  • New vehicle
  • Green vehicle (for eco-friendly cars)
  • Military or veteran
  • Occupation-based (e.g., for teachers, nurses, or first responders)
  • Homeowner or bundling (if you also have home insurance with the same provider)
  • Safety feature (for vehicles equipped with advanced safety features)
  • Affinity group (offered through specific organizations or employers)

Reduce Coverage on Older Vehicles

Consider adjusting your coverage for older vehicles to save on car insurance premiums. Sometimes, buying full coverage (collision and comprehensive) on an older vehicle costs more than the car is worth. However, you risk losing your vehicle in an incident without savings to put toward another car.

Skip the Roadside Assistance

Adding Roadside assistance can increase your car insurance premium. It works on a reimbursement basis, so you must spend money out-of-pocket. Consider alternative options like your vehicle manufacturer or an auto club membership.

Final Thoughts

Finding the best auto insurance company requires careful consideration of multiple factors.

Consider the insurer's financial stability, customer ratings, coverage options, and policy terms. Most importantly, familiarize yourself with their claims process and customer service.

As a licensed insurance of more than ten years, my experience taught me that an insurance company is only as good as its claims department. Here are a couple of questions to ask about your insurer:

  • Are they difficult to contact? Do they have short queues for phone calls or chats?
  • Can you reach a human being to discuss your claim, or are you left in a general call queue or with email only?
  • Do they have a reputation for denying valid claims?
  • Do they make it difficult for customers to complete claims and say they never received the documentation you sent?
  • Can you initiate a claim using a mobile app?
  • Is it easy to check your claim status and communicate with the claims department using their app or website?

In addition, carefully evaluate the coverage you need versus what an agent might recommend. Most agents will recommend full coverage, but if you're driving a 15-year-old car, it might cost more to insure it than replace it, particularly if your collision and comprehensive insurance only pay actual cash value rather than replacement cost value. However, if you lack savings to buy another similar used vehicle, full coverage might be your best bet.

Likewise, if you have personal assets you’re concerned about protecting, such as a home, small business, retirement accounts, or other property, consider increasing the liability coverage accordingly.

Take your time to research and make an informed decision to ensure you get the best car insurance coverage that suits your needs.

If you don't like your car insurance even after buying it, you can change it in 6 months when the policy term ends.

FAQ

Frequently Asked Questions

What criteria do you use to determine the "best" car insurance companies?

We use a comprehensive evaluation process that considers financial stability, customer satisfaction, coverage options, discounts, claims handling, and overall reputation to determine the "best" car insurance companies.

How much car insurance do I need?

Determining the car insurance you need depends on circumstances like your state's minimum requirements, vehicle cost and age, and personal assets. Experts recommend having liability coverage that meets or exceeds the minimum requirements.

How does car insurance work?

Car insurance provides financial protection for accidents, theft, or damage to your vehicle. You pay the insurance company a premium in exchange for a promise of coverage.

When you have an accident or covered event, you file a claim. Then, the insurance company reimburses you based on your policy terms.

How much does car insurance cost?

Car insurance rates depend on many aspects, including your age, driving record, location, and the type of vehicle you drive.

The National Association of Insurance Commissioners (NAIC) determined that the average car insurance premium was $1,176 in 2020.

Which auto insurance company has the lowest cost?

The auto insurance company that has the lowest cost may vary depending on your driving history, location, and vehicle make, model, and year. When shopping for the lowest auto insurance price, request quotes from multiple insurers and compare rates.

Which company has the best car insurance?

Finding the best car insurance company depends on individual needs. Consider the company’s coverage options, rates, and customer reviews.

How can I find the best price on car insurance?

Here are a few strategies to find the lowest price on car insurance:

  • Shop around and evaluate quotes from multiple insurance companies.
  • Get a quote for bundling your car insurance with other policies.
  • Maintain a spotless driving record and good credit score.
  • Ask about a safe driver or multi-car discount.
  • Consider allowing telematics in your vehicle if you consistently drive safely.

Requesting an online quote is a no-obligation and completely free process. Online quotes also help you easily check which driver discounts you may qualify for.

What car insurance discounts should I look for?

There are dozens of car insurance discounts available, but they vary among providers.

The most common discounts include bundling with home or renters insurance, safety features like anti-lock brakes or airbags, and affiliations or organizations. Improving and preserving a good credit score is a reliable strategy to save you money on auto insurance.

What types of car insurance are required?

Required car insurance coverage varies by location. In most places, liability insurance is a legal requirement, covering damages to others in an accident. Some areas mandate personal injury protection (PIP) or medical payments coverage. Comprehensive and collision coverage may be necessary if you have a vehicle loan or lease.

What information do you need for a car insurance quote?

You'll provide personal details like your name, address, and vehicle information such as make, model, year, and VIN. You must also include your driving history, coverage preferences, and deductible choices.

Written by:

Bryan Huynh

•

Product Tester & Writer

Edited by:

Bryan Huynh

•

Product Tester & Writer

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