The Best Car Insurance Companies of 2025
USAA ranks as the top car insurance provider in our evaluation of the best companies, with Auto-Owners, Nationwide, State Farm, and Geico following close behind.
Our study involved detailed research on over 40 insurers and gathered responses from more than 4,200 consumers. This feedback highlighted customer experiences in areas like claims processing, customer service, and overall satisfaction. Additionally, we analyzed car insurance rates across various driver categories to offer a clearer picture of average costs.
The Best Car Insurance Companies in Detail
1) USAA
Average National Rate: $1,335 & Savings Vs Overall Average: $733
USAA leads our ranking of the best car insurance companies and consistently excels across all evaluated subcategories. It holds the No. 1 spot for customer service, claims handling, and is also rated best for seniors and discounts. Additionally, USAA ranks second in customer loyalty, likelihood of being recommended, and likelihood of policy renewal, just behind Auto-Owners.
USAA also offers the lowest average rates in our analysis, making it the most affordable choice for several driver categories, including young adults and those with a speeding ticket. For more insights on cost-effective options, check out our report on the cheapest car insurance companies, which highlights insurers with the lowest average rates across various driver groups.
While USAA is a standout performer in every area of our evaluation, its policies are only available to military members and their families. For most drivers, exploring other top-rated insurers in our list is a practical alternative.
USAA Car Insurance Discounts
USAA provides several discount opportunities to help customers save on their car insurance. These include:
- Bundle and Save: A multi-policy discount for combining car insurance with other USAA policies.
- Military On-Base Discount: Savings for storing your vehicle on a military base.
- Good Student Discount: A discount for students maintaining strong academic performance.
- Clean Driving Record Discount: Rewards for maintaining a driving history free of accidents or violations.
- Safe Driver Discount: Savings for demonstrating safe driving habits over time.
2) Auto-Owners
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In terms of cost, Auto-Owners offers rates below the national average for most driver categories. This includes affordable options for teen drivers and those with a DUI, two groups that often face higher insurance premiums.
Auto-Owners provides car insurance policies in the following states:
Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
For drivers in these states, Auto-Owners is a strong option to consider for both affordability and quality of service.
Auto-Owners Car Insurance Discounts
When considering Auto-Owners for your car insurance needs, be sure to ask about their available discounts, which can help reduce your premium. These include:
- Multi-Policy Discount: Savings for bundling car insurance with other policies.
- Payment History Discount: Rewards for a history of on-time payments.
- Green Discount: Discounts for opting into paperless billing or other environmentally friendly practices.
- Multi-Car Discount: Savings for insuring multiple vehicles under the same policy.
- Life Multi-Policy Discount: Additional savings for combining life insurance with an Auto-Owners car insurance policy.
3) NationWide
Average National Rate: $1,621 & Savings Vs Overall Average: $447
Nationwide ranks No. 3 in our list of the best car insurance companies, earning an overall score of 4.1 out of 5. It also secures third place in several subcategories, such as customer service, customer loyalty, likelihood of policy renewal, and likelihood of being recommended, trailing only USAA and Auto-Owners.
Survey respondents praised Nationwide’s claims handling, with 59% expressing complete satisfaction with the resolution of their claims.
In our analysis of the cheapest car insurance companies, Nationwide offers the fourth-lowest average rates, following USAA, Erie, and Auto-Owners. This combination of affordability and quality service makes Nationwide a solid choice for many drivers.
Nationwide Car Insurance Discounts
Nationwide offers a variety of discounts to help policyholders save on their car insurance premiums. These include:
- Multi-Policy Discount: Savings for bundling auto insurance with other policies, such as homeowners or renters insurance.
- Defensive Driving Discount: A discount for completing an approved defensive driving course.
- SmartRide Program: Rewards for safe driving behaviors through a usage-based insurance program.
- Anti-Theft Devices Discount: Savings for vehicles equipped with qualifying anti-theft systems.
- SmartMiles Program: A pay-per-mile insurance option for drivers who drive fewer miles.
4) State Farm
State Farm ranks No. 4 in our evaluation of the best car insurance companies, earning a solid score of 4.0 out of 5. It performs well across all subcategories we analyzed, including customer service, claims handling, and customer loyalty, placing it in the top half of the companies researched.
While State Farm’s overall sample premium is slightly above the national average and higher than six of the ten companies in our rating, its rates are competitive for specific driver categories. These include drivers with less-than-perfect records, such as those with a speeding ticket, accident, or DUI, where its rates fall below the national average.
State Farm is a reliable option for drivers seeking strong service and competitive pricing in specific scenarios.
State Farm Car Insurance Discounts
State Farm offers several discounts to help customers reduce their car insurance premiums. These include:
- Drive Safe & Save Discount: A discount based on safe driving habits, tracked through a driver monitoring program.
- Steer Clear Discount: A discount for young drivers who complete the Steer Clear program, which promotes safe driving.
- Accident-Free Driving Discount: Savings for drivers with a clean driving record, free of accidents.
- Defensive Driving Course Discount: A discount for completing an approved defensive driving course.
- Good Driver Discount: Rewards for maintaining a safe driving history without traffic violations.
5) Geico
Geico ranks No. 5 in our evaluation of the best car insurance companies, earning an overall score of 3.9 out of 5. The company performed in the middle range across several subcategories we assessed, including customer service and claims handling. However, Geico stands out as No. 4 in both our ranking for most likely to be recommended and among the best car insurance options for seniors.
In terms of cost, Geico offers some of the most affordable rates, with sample premiums being the fifth-lowest among the companies we reviewed. Its rates are also below the national average for many driver groups, making it a budget-friendly choice for a wide range of consumers.
Geico Car Insurance Discounts
Geico offers a range of discounts that can help customers lower their car insurance premiums. These include:
- Air Bag Discount: Savings for vehicles equipped with air bags.
- Anti-Lock Brakes Discount: A discount for cars that have anti-lock braking systems.
- Anti-Theft System Discount: Savings for vehicles with approved anti-theft devices.
- Daytime Running Lights Discount: A discount for vehicles with daytime running lights.
- New Vehicle Discount: Savings for insuring a newly purchased vehicle.
6) Allstate
Allstate ranks highly in several key areas, tying for fifth in the likelihood of being recommended, tying for sixth in customer loyalty, and securing the No. 6 spot for most likely to be renewed. It also performed well in the discounts category, tying for fourth place among the best car insurance companies.
However, Allstate’s rates are on the higher end, with its average premium being the highest among the companies we reviewed. Its sample rates are above the national average for all the driver categories we analyzed. Despite the higher costs, Allstate offers a range of benefits that may make it a suitable option for some drivers.
Allstate Car Insurance Discounts
Allstate offers several discounts to help customers save on their car insurance premiums. These include:
- Multi-Policy Discount: Savings for bundling car insurance with other policies, such as home or life insurance.
- Anti-Lock Brake Discount: A discount for vehicles equipped with anti-lock braking systems.
- Anti-Theft Device Discount: Savings for cars with approved anti-theft devices installed.
- EZ Pay Plan Discount: A discount for customers who set up automatic payments through Allstate’s EZ Pay plan.
- Paperless Discount: Savings for choosing to receive paperless billing and policy documents.
7) American Family
American Family ranks tied at No. 6 in our overall evaluation of the best auto insurers, earning a score of 3.8 out of 5. The company performs well in claims handling, where it ranks third, and customer service, where it is fifth. However, it ranks lower in customer loyalty, placing 10th. American Family also stands out for its discounts, ranking No. 3 among the best car insurance companies for savings.
Regarding premiums, American Family’s sample rates are slightly below the national average for drivers with a DUI, but for most other driver categories, its rates are just above the national average.
American Family car insurance is available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
American Family Car Insurance Discounts
American Family offers a variety of discounts that can help policyholders lower their car insurance premiums. These include:
- Multi-Vehicle Discount: Savings for insuring multiple vehicles under the same policy.
- Multi-Policy Discount: A discount for bundling car insurance with other policies, such as home or life insurance.
- Loyalty Discount: Rewards for long-term customers who stay with American Family.
- Early Bird Discount: A discount for purchasing your policy well in advance of the start date.
- Multi-Product Discount: Savings for bundling different types of insurance products, such as car, home, and life insurance.
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