Best Auto Insurance Companies
We analyzed the 20 largest auto insurance carriers in the United States by market share, financial strength, customer satisfaction, average premiums, and available discounts. Use this guide to find the best insurer for your driving profile, budget, and coverage needs.
State Farm
A.M. Best: A++Drivers who prefer working with a local agent and want a financially stable, well-established insurer.
Avg. Annual Premium
$1,820
GEICO
A.M. Best: A++Budget-conscious drivers who prefer managing their policy online and want competitive rates.
Avg. Annual Premium
$1,650
Progressive
A.M. Best: A+High-risk drivers, young drivers, and anyone who wants usage-based pricing or to compare rates easily.
Avg. Annual Premium
$1,750
Allstate
A.M. Best: A+Drivers who want comprehensive add-on options and prefer an agent-based experience with loyalty rewards.
Avg. Annual Premium
$2,100
USAA
A.M. Best: A++Active-duty military, veterans, and their families who want top-tier service and the lowest rates.
Avg. Annual Premium
$1,450
Liberty Mutual
A.M. Best: ADrivers who want unique coverage features like Better Car Replacement and are willing to pay a premium for comprehensive protection.
Avg. Annual Premium
$2,200
Farmers Insurance
A.M. Best: ADrivers who value personal agent relationships and want a traditional insurance experience with broad coverage options.
Avg. Annual Premium
$2,050
Nationwide
A.M. Best: A+Safe drivers who want rewards for claim-free years and appreciate the vanishing deductible feature.
Avg. Annual Premium
$1,900
Travelers
A.M. Best: A++Homeowners looking for strong bundling discounts from a financially rock-solid insurer with a long track record.
Avg. Annual Premium
$1,850
American Family
A.M. Best: AMidwest and Western US residents who want a strong regional insurer with competitive rates and personalized agent service.
Avg. Annual Premium
$1,780
Erie Insurance
A.M. Best: A+Mid-Atlantic and Midwest drivers who want top-rated customer service, rate stability, and affordable premiums.
Avg. Annual Premium
$1,550
Auto-Owners Insurance
A.M. Best: A++Drivers in the Midwest and South who prefer independent agents and want a financially top-rated, service-oriented insurer.
Avg. Annual Premium
$1,600
CSAA Insurance (AAA)
A.M. Best: AAAA members who want to leverage their membership for insurance discounts and built-in roadside assistance.
Avg. Annual Premium
$1,850
The Hartford (AARP)
A.M. Best: A+AARP members aged 50 and over who want specialized coverage, lifetime renewability, and competitive senior rates.
Avg. Annual Premium
$1,750
Mercury Insurance
A.M. Best: ACalifornia and Southwest drivers looking for affordable, straightforward auto insurance without extra frills.
Avg. Annual Premium
$1,700
Shelter Insurance
A.M. Best: A+Midwest and Southern drivers, especially in rural areas, who want competitive rates and personal agent service.
Avg. Annual Premium
$1,650
Country Financial
A.M. Best: A+Midwest residents, particularly in farming communities, who want a trusted insurer that combines insurance with financial planning.
Avg. Annual Premium
$1,700
Amica Mutual
A.M. Best: A+Drivers who prioritize top-tier customer service and are willing to pay slightly more for a mutual insurer that returns dividends.
Avg. Annual Premium
$1,900
Safeco
A.M. Best: ADrivers who prefer working with an independent agent and want access to unique coverage options like Better Car Replacement.
Avg. Annual Premium
$1,800
Wawanesa
A.M. Best: ACalifornia and Oregon drivers with clean records who want some of the lowest auto insurance rates available.
Avg. Annual Premium
$1,500
How We Ranked These Insurance Companies
Our rankings consider five key factors: financial strength (A.M. Best rating), customer satisfaction (J.D. Power and NAIC complaint data), average premiums (Quadrant Information Services rate analysis), available discounts, and coverage options. No single factor determines the “best” insurer — the right choice depends on your driving profile, location, and budget.
Market share data comes from the National Association of Insurance Commissioners (NAIC). Premium estimates represent national averages for a 35-year-old driver with a clean record and good credit. Your actual rate may differ significantly based on your state, age, driving history, vehicle, and coverage level.
Related Tools
Use these free calculators to estimate your auto insurance costs and find ways to save.
Auto Insurance Calculator
Estimate your annual auto insurance premium based on your profile.
CalculatorDeductible Optimizer
Find the deductible that minimizes your total cost of ownership.
CalculatorCoverage Builder
Build a custom auto insurance coverage package for your needs.
CalculatorRate Stress Test
See how life changes like tickets or accidents affect your rate.