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What Is the Best Car Insurance Company?
We found that Travelers is the best overall car insurance company in 2023. The provider offers a stellar customer service experience for policyholders, along with affordable pricing and a wide range of coverage options to fit most drivers’ needs.
Car Insurance Company Ratings
After over 800 hours of research, we’ve identified the best car insurance companies. Each insurer was rated on five main factors: reputation, customer experience, coverage, availability and cost. Scores in each category were compiled and weighted to generate the overall rating we use to rank the providers.
The table below shows our ratings for the top 10 auto insurance companies. Along with the overall rating we gave each provider, the table highlights the award it was given by our team and the average annual cost of a full-coverage insurance policy from each:
| Car Insurance Provider | Overall Rating | Award | Average Annual Full-Coverage Cost |
|---|---|---|---|
| Travelers | 9.5 | Best for Most Drivers | $1,595.00 |
| State Farm | 9.4 | Best Customer Experience | $1,657.00 |
| Erie Insurance | 9.4 | Best for Basic Insurance Coverage | $1,458.00 |
| USAA | 9.2 | Best for Military Members | $1,512.00 |
| Nationwide | 9.1 | Best for Usage-Based Insurance | $1,433.00 |
| Geico | 9.1 | Best for Budget-Conscious Drivers | $1,596.00 |
| Liberty Mutual | 9.1 | Good Programs for Young Drivers | N/A |
| American Family Insurance | 9.1 | Best for Family Policies | $1,851.00 |
| Progressive | 9 | Best for Tech-Savvy Drivers | $2,030.00 |
| Country Financial | 8.9 | Best for High-Risk Drivers | $1,411.00 |
Best Auto Insurance Company Reviews
While Travelers is the highest-rated provider overall, the best car insurance company for a specific person can vary heavily depending on one’s overall needs.
Along with Travelers, we’ve identified nine other car insurance providers that are worth considering as you shop around for coverage. The sections below will give you an in-depth look into each of the top auto insurance companies on our list.
Car Insurance Companies: What To Look For
Our editorial team spent hundreds of hours combing through data to assess the landscape of the insurance industry and provide you with a complete guide to the best car insurance companies.
We’ve reviewed each provider’s coverage options, features, discounts and reputation among customers and insurance industry evaluators like J.D. Power. Our team also received cost data from Quadrant Information Services for both full and minimum coverage.
The sections below will provide an in-depth look into the factors worth considering as you shop around for the best car insurance coverage. We also offer information into our two car insurance studies completed in 2022.
Auto Insurance Company Rating Factors
Here’s a further look into the factors that influenced how we rated each of the best car insurance companies on our list:
Reputation
The reputation score comes from how the company ranks in J.D. Power consumer studies as well as its BBB rating. The BBB (Better Business Bureau) is an organization that evaluates a company’s business practices, licensing information, customer reviews and response to those reviews. We also factor in whether the provider is accredited by the BBB.
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