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Here at Expert Insurance Reviews, we constantly monitor over 200 insurance companies so you don’t have to.
Below you will find our Top 10 Picks for Car Insurance. We use a four-part system that includes Price, Claims, Customer Feedback, and Financial Strength to determine their overall star rating. Each company has their own strengths that make them a good fit for specific people, which you can see below.
To find out if they are right for you, click the “Get a Quote” button and get a customized quote today. If price is a major factor in your decision, we recommend getting at least 3 different quotes so you can compare them directly.
Top 10 Picks for Car Insurance
Best Overall
Why: Liberty Mutual consistently scores very high in our rating system due to their lower-than-average premiums, high scores from 3rd party rating firms like JD Power, and their wide range of available products. Liberty Mutual operates across the entire US, and can write policies for just about anyone.
Best for Budget Shoppers
Why: Progressive practically invented the internet-based insurance industry, and continues to be a leader in the field. With their direct-to-consumer approach, they are able to keep costs low because they allow customers the option to buy policies without using an agent (no commission fees).
Best for Military Members
Why: USAA consistently scores near the top of almost every consumer satisfaction survey when it comes to auto insurance, and most of their policyholders stay with them for life. The catch is you must be active/retired military or related to someone who is.
Best for Budget Shoppers
Why: GEICO has some of the lowest rates in the car insurance industry. They utilize a similar business model to Esurance, and are able to keep their rates so low because they sell directly to their customers and cut out the agent.
Best for Multi-Policy
Why: Amica Mutual is another company that tends to score high marks in customer satisfaction surveys. While they are not always the cheapest option, individuals and families looking to bundle multiple policy types can see very good discounts.
Best for Agent Driven
Why: Allstate is one of the most recognizable names in car insurance, and for good reason. As one of the largest auto insurers, its hard to avoid their name. For people who prefer face-to-face time with their agent, Allstate is a good choice.
Best for Agent Driven
Why: State Farm is the largest auto insurance company in the US, and almost twice as big as their nearest competitor. People who prefer working with an agent will almost certainly find one from State Farm in their neighborhood.
Best for Multi-Policy w/ Life Insurance
Why: While not generally thought of as a car insurance company, MetLife actually has a pretty large presence in the space. In addition, they have had some of the lowest car insurance premuims every time we have tested them.
Best for Complicated Estates
Why: Despite the name, Auto-Owners provides nearly every type of personal insurance policy under the sun. With a coverage area that spans over half the country, people looking for multiple policies will find a good home with Auto-Owners.
Best for New Drivers & Budget Shoppers
Why: 21st Century sells cheap car insurance, period. While those with complicated insurance needs may be better suited elsewhere, new drivers and people simply looking to insure their car at a low rate would be well served with a 21st Century policy.