The Best Car Insurance Providers of 2025

State Farm offers all of the standard coverage options, as well as a few extras like rideshare insurance — and you can manage your policy with a user-friendly mobile app. An A++ rating for financial stability from AM Best and an above-average score for claims satisfaction from J.D. Power make it a reliable and affordable provider.

State Farm Driving Discounts and Competitive Rates

One way State Farm is able to keep rates low is by offering a number of auto insurance discounts. Depending on where you live, you might be able to save by:

• Remaining accident- and violation-free
• Maintaining good grades if you’re a student, or keeping your vehicle at home while away at college
• Taking a driver education course if you’re under 21
• Insuring multiple vehicles in your household
• Purchasing another type of policy, like home or renters insurance
• Having a vehicle with an anti-theft device or certain safety features
• Renewing your policy with State Farm for at least three years
• Taking a defensive driving course

Strong Customer Service Record

Compared to other major national insurers, State Farm has an excellent customer service record. It ranked above average in every region in J.D. Power’s 2025 Auto Insurance Study — the only national insurer to do so.² It sells policies exclusively via local agents, who provide personalized service and help you get the coverage you need.

Coverage for Rideshare Drivers

If you use your vehicle for a rideshare or delivery service like Uber, Lyft, or DoorDash, it’s wise to purchase rideshare coverage. State Farm is one of the best options for rideshare drivers, due to its strong protections and availability. Many major insurers offer rideshare coverage only in a handful of states, but with State Farm, you can add it to your policy everywhere except Alaska, Hawaii, Illinois, Massachusetts, North Carolina, Rhode Island, and South Dakota.

GEICO has some of the cheapest auto insurance prices in the country, especially if you live in New York or New Jersey. While some providers offer cheaper rates than GEICO — USAA and Erie, specifically — GEICO is the only company that is widely available in all 50 states and D.C., as well as to non-military members. Unlike State Farm, which has a wide agent network, GEICO conducts most of its business online. If budget is top of mind for you, consider GEICO as your car insurance provider.

Low Premiums for Drivers on a Budget

While no single insurance provider will be the cheapest for absolutely everybody, GEICO is a good bet for most drivers. With an average annual cost of $1,867 for full coverage, GEICO is the second-cheapest large service provider available in all 50 states and D.C. after Travelers (the average cost of auto insurance in 2025 is $2,356), but it has a better customer service record.

Save More With GEICO Discounts

GEICO stands out for offering a number of discounts:

Good Rates for Drivers With Bad Credit

Drivers with bad credit pay more for auto insurance — an average of 72 percent more, or about $4,126 annually for full coverage. GEICO’s rates increase to only $2,912, about 56 percent higher than its full coverage policy and around 29 percent less than the national average cost for drivers with poor credit. This makes it a solid choice for those with a less-than-stellar credit rating.

USAA offers financial services like insurance, banking, and investment advice for members and veterans of the U.S. military, pre-commissioned officers, and their spouses and children. If you qualify, USAA is a great choice — offering the cheapest car insurance rates of our top picks along with exceptional customer service. It’s the only provider on our list available exclusively to those affiliated with the U.S. military.

Extensive Discounts

USAA has various car insurance discounts available, including the following:

• 10 percent off for bundling home and auto
• 10 percent off if your parents also have a USAA car insurance policy
• Up to 15 percent off for garaging your car on a military base
• Up to 60 percent off for putting your car in storage if you’re deployed
• Discount for teen drivers who maintain good grades
• Discount for driving fewer miles
• Discount for having two or more vehicles on a policy
• Discount for good driving record for more than five years
• Discount for completing a defensive driving course

These discounts make USAA a great choice whether you’re the parent of a teen driver, deployed overseas, or the child of veteran parents.

Coverage for All Vehicle Types

Aside from regular cars, USAA also offers insurance for these vehicles:

• ATVs
• Classic cars
• Boat
• Motorcycles
• Motor homes
• RVs

In many cases, insuring more than one vehicle on a policy will get you a discount.

Domestic and International Insurance

If you have to go overseas for a permanent change of station (PCS), USAA will not make you cancel your policy. Instead, the company will protect your car while you’re away, offering liability coverage, personal injury protection, and vehicle storage. USAA also offers information about moving abroad and returning to the U.S. from the following countries:

• Azores
• Belgium
• Cuba
• France
• Germany
• Greece
• Guam
• Italy
• The Netherlands
• Portugal
• Puerto Rico
• South Korea
• Spain
• U.S. Virgin Islands
• United Kingdom

One of the oldest auto insurance companies in the country, Amica stands out for its exceptional customer service. It holds a score of 741 out of 1,000 from J.D. Power for claims satisfaction — the highest of all our top pick providers. It also fares well on the 2025 CRASH Network Insurer Report Card, with a B+ grade and 13th place overall among 97 companies. In addition, it earned the top spot for both homeowner and renter customer satisfaction in J.D. Power’s 2025 Home Insurance Study, making it a great option for customers looking to bundle policies.³ Amica is not the cheapest provider on our list, but in exchange for higher rates, you’ll receive an exceptional level of service.

Dividend-Paying Policy

Amica is a mutual insurance company, meaning it is owned by policyholders rather than investors or stockholders. Because of this, Amica offers customers the option of purchasing a traditional policy or a dividend-paying policy.

The company reports that policyholders receive an average of 5 to 20 percent of their annual premium, which you can receive as a check or credit toward your next bill. A dividend-paying policy often costs more upfront but can save you money in the long run.

Premium Coverage Option

For those who want extra peace of mind, Amica offers a Platinum Choice Auto plan. The package includes the following protections, which can also be purchased individually:

• Glass repair or replacement with no deductible
• Credit monitoring service
• New-car replacement (for vehicles less than one year old with fewer than 15,000 miles)
• Prestige rental reimbursement, with no daily limit and a $5,000 maximum

Even if this premium option isn’t for you, you’ll still receive great protection with Amica’s standard coverage options:

• Bodily injury and property damage liability
• Medical payments and personal injury protection (PIP)
• Uninsured/underinsured motorist
• Collision and comprehensive
• Rental car reimbursement
• Loan/lease (gap) protection
• Roadside assistance
• Glass repair
• Rideshare (in some states)

Amica Discounts

Amica offers the following discounts, which can help you save on your premium:

• Loyalty, when you’ve stayed with any auto insurance (not just Amica) for at least two years — with a higher discount the longer you’ve stayed
• Owning a home, even if you don’t insure it with Amica
• Bundling a home, umbrella, or life insurance policy can save you up to 30 percent.
• Insuring multiple vehicles on the same policy will save you up to 25 percent.
• Driver education, for drivers under age 21 who complete an approved course
• Good student, for drivers under 25 who maintain at least a B average
• Student away at school, for college students who don’t take their car to school
• Legacy, for children under 30 whose parents have held an Amica policy for at least five years
• Accident-free, if you haven’t filed an at-fault claim in three years
• Defensive driver, for drivers who take an approved course (age varies by state)
• Safe driving, for Amica customers who enroll in its safe driving program StreetSmart and demonstrate safe driving habits.
• Vehicle features, if your car has an anti-theft device, electronic stability control, passive restraints (like airbags), forward-collision warning, or adaptive headlights
• Paid in full, when you pay your entire premium upfront
• Paperless, when you sign up to receive policy documents and bills electronically
• AutoPay, when you set up your premium for automatic payments

Operating in 26 states, Auto-Owners Insurance stands out for its affordable rates, great customer service ratings, and wide variety of coverage options. It has some of the cheapest rates of any provider, with an average annual full coverage premium of $1,870 — that’s 21 percent below the national average. For those looking for added protection, it offers many add-on coverages that can be included on your policy, from accident forgiveness to rental gap coverage.

Highly Competitive Prices

Auto-Owners’ full and minimum coverage policies are both the lowest on average among our top picks (with the exception of USAA, which is available only to military customers).

New-Vehicle Coverage Options

Auto-Owners offers a couple of coverage options that benefit customers with new vehicles:

• Loan or lease gap: Covers the difference between the actual cash value of the vehicle and the amount remaining on the loan or lease in the event of a total loss.
• Diminished value coverage: After an accident, your car may lose value even if it’s fully repaired. This coverage pays for the difference in value, helping to protect your investment.

Low Premiums for Families With Teens

While Auto-Owners is not our top pick for young drivers, it has the second-cheapest average premiums for teens at $4,407 annually ($367 monthly), which is 27 percent below the national average.

The company also offers the following discounts for teen drivers:

• Good student discount, up to 20 percent off for drivers under 25 who maintain a B average (3.0) GPA or higher
• Away at school discount, for students who attend university at least 100 miles away and keep their car at home
• GPS monitoring discount, for attaching a GPS device to the vehicle a teen uses most or if the teen has an eligible tracking app on their phone
  

Country Financial is available in 19 states, and while its rates for adult drivers are slightly above average, it offers some of the cheapest rates for teen auto insurance. The cost of insuring a teen driver is around $6,054 annually, making teens the most expensive drivers to insure on average. Country Financial has a strong customer service record, as well as certain coverages that can be key when you have a teen driver, such as new car replacement.

Cheap Rates for Teens

Country Financial offers low average rates for teen drivers (except for USAA, which is only available to military families) with an average annual premium that’s 26 percent below the national average for teens. While Auto-Owners has slightly lower rates for teens, Country Financial offers more savings opportunities for young drivers — including its legacy discount, which lets parents pass on their multi-car and bundling discounts to their children.

Simply Drive Discount for New Drivers

Country Financial has a driver’s safety course designed for new drivers, which provides a discount of up to 10 percent upon completion. This can be very helpful to reduce auto insurance costs for families adding a teen driver to their policy. Teens aged 16 or 17 with a clean driving record are eligible to enroll in Simply Drive, which is a fully online course.

Easy to Bundle

Country Financial makes it easy to bundle home and auto policies, as well as a third policy type, as long as you have at least those two. You can save up to 30 percent by bundling policies, which is on the higher end of bundling discounts.

Nationwide is one of the few major providers to offer a pay-per-mile insurance option in nearly every state, which can help you save money if you don’t drive much. Nationwide also offers special coverages like gap protection, a vanishing deductible, and a total loss deductible waiver.

Nationwide’s SmartMiles Low-Mileage Insurance

Pay-per-mile insurance is most likely to benefit people who drive fewer than 8,000 to 10,000 miles per year, for example:

• Remote workers
• People who commute by public transit or live close to work
• Retirees
• Stay-at-home parents
• People with a second car they don’t use as much

Nationwide offers a plan called SmartMiles, which charges you based on how much you drive. With SmartMiles, you’ll pay a monthly base rate, plus a per-mile rate. For example:

Nationwide’s pay-per-mile insurance is more widely available than Allstate’s. Nationwide offers SmartMiles everywhere except Alaska, Hawaii, Louisiana, North Carolina, New York, and Oklahoma.

Nationwide Discounts for Safe Driving

Most major providers offer a discount for tracking driving behaviors like braking, acceleration, and speed — often known as a telematics discount. Typically, this discount can earn you anywhere from 5 to 10 percent off for signing up and 15 to 30 percent off depending on your driving habits.

Nationwide’s telematics program, called SmartRide, stands out in that you get 10 percent off for signing up and up to 40 percent off for safe driving. This is a higher discount than what you’ll see with many other providers.

Customers should take note that SmartRide is available only with a traditional unlimited mileage policy. SmartMiles customers can earn up to 10 percent for safe driving habits.

Loyal Customer Perks

Nationwide offers the following perks to its customers:

• Up to $400 for car key replacement and lockout services
• Fender bender forgiveness, so a minor accident ($2,000 or less after deductible) doesn’t increase your premium
• Up to $250 in locksmith reimbursement if you’re locked out of your house
• Waived or reimbursed lower deductible if you experience an auto and property loss
• Guaranteed repairs when you take your vehicle to an in-network mechanic
• Pet coverage for any pets injured in an accident in your vehicle.

We like Erie for its low prices, exceptional claims satisfaction ratings, and unique coverages. Unlike the major providers, which operate in nearly every state, Erie’s main downside is that it’s available in only 12 states and D.C.

Lock in Your Rates

Since 2021, auto insurance rates have been on the rise, increasing by over 11 percent from 2024 to 2025.⁴ Rates are expected to continue to increase by 2026.

Erie offers a unique feature called Rate Lock, which keeps your premium stable year after year. If you add this feature to your policy, your premium will increase only if you move or change the vehicles or drivers on your policy. If you change your coverages, your policy will reflect only that adjustment.

Rate Lock protects you not only from inflation and market fluctuations, but also from increases due to accidents or speeding tickets. Keep in mind that Rate Lock doesn’t guarantee coverage, meaning Erie can refuse to renew your policy in the event of a serious violation like a DUI.

Additional Perks

When you add comprehensive coverage to your Erie policy, you can choose to include the following additional benefits:

• Glass repair and wiper blades: If your windshield is replaced, Erie provides glass repair with no deductible and supplies a new set of wiper blades.
• Locksmith service: If you lock your keys in your car, Erie reimburses you for locksmith services up to $75.
• Personal items coverage: Erie offers coverage of up to $350 for personal items like clothing and luggage inside the insured vehicle. Most auto policies do not include coverage for personal items. This option is also available with Erie’s collision insurance.
• Pet coverage: If your pet is injured in an accident, Erie will cover up to $1,000 in veterinary treatment (up to $500 per pet).
• Roadside and rentals: You’ll receive extra assistance and more robust rental car coverage in the event of a roadside emergency.

Erie’s Auto Plus package, available for $35 per year, also includes a range of benefits:

• Extended rental car coverage: Additional days of rental car coverage are provided after an accident.
• Death benefit: In the event a covered accident results in death, Erie provides a death benefit of $10,000 per person.
• Deductible waiver: Erie waives the deductible on your auto policy in certain situations.
• Enhanced coverage limits: Erie provides higher limits for specific coverage aspects, such as locksmith costs and personal items.

Strong Claims Handling

Third-party data shows above-average satisfaction when it comes to Erie’s claims process. It received an A- from the CRASH Network Insurer Report Card⁵ — sixth out of the 97 companies in the report, and the best among our top pick providers. The independent report surveys collision repair shops on how well insurance companies’ practices ensure quality repairs for customers.

Erie also earned an above-average score of 743 out of 1,000 in the J.D. Power Claims Satisfaction report (first overall). And AM Best gave Erie an A+ rating⁶, demonstrating that Erie has the financial backing to fulfill its claims.

If you’re a rideshare driver, it’s important to get the right auto insurance coverage, because companies like Uber and Lyft may not adequately cover you in all situations. Progressive offers robust rideshare coverage to provide this added financial protection. If you’re a driver with a bad driving record or high-risk designation, Progressive is also a good option because it offers reasonable rates and a discount for demonstrated safe driving behaviors. In particular, Progressive is a good choice for drivers with DUIs.

Good Rates for Drivers With a DUI

A DUI will raise your insurance premium more than nearly any other violation. On average, rates rise by about 94 percent after a DUI, though the exact amount depends on factors like your state and your blood alcohol concentration (BAC) at the time of arrest. Progressive’s rates increase by only about 37 percent for drivers with a DUI, to approximately $2,816 annually.

Rideshare Coverage

Progressive offers coverage for drivers who work for Lyft, Uber, DoorDash, or similar services. When you add rideshare coverage, Progressive extends the protections on your personal policy to the periods when the app is on and you’re waiting to match with a passenger. These include:

• Bodily injury and property damage liability
• Comprehensive and collision
• Uninsured/underinsured motorist
• Personal injury protection/medical payments
• Roadside assistance and trip interruption
• Rental car reimbursement

Once you’re transporting a passenger, the rideshare company’s own insurance will kick in, but often with a high deductible. Progressive will reimburse you the difference between the rideshare company’s deductible and the deductible on your personal policy. For example, if the rideshare’s deductible is $2,000 and yours is $500, Progressive will give you $1,500 in the event of a covered incident.

Diminishing Deductible

Progressive offers an optional diminishing deductible add-on, which it calls Deductible Savings Bank Coverage. If you purchase it, Progressive lowers your deductible by $50 every six-month policy renewal you go without an accident or a violation ($100 for annual policies).

You can get a diminishing deductible with an auto, RV, motorcycle, or boat policy.

If you’re 50 or older, consider The Hartford, which underwrites car insurance from the American Association of Retired Persons (AARP). This program is for AARP members only, but you can become a member online easily. Annual costs begin at $15 for the first year and go to $20 per year from the second year on, with discounts if you sign up for multiple years. The car insurance is also affordable, saving members an average of $577 each year, making it worth the membership fees. It’s the only provider on our list that specifically caters to seniors.

Post-Accident Assistance

If you get into an accident and have medical payments coverage or PIP, your insurance company will cover your medical costs, lost wages, and child care, in some cases. However, AARP goes above and beyond with services we haven’t seen from any other car insurance provider. If you’re hurt in an accident, the RecoverCare program provides personal services, such as housecleaning, if you’re injured in an accident and unable to complete these tasks yourself.

In other words, you won’t have to depend on your friends and family for your basic household needs. Even if you’re injured, you can maintain your independence — an important factor for many older adults.

Accident Forgiveness

The stereotype that older adults have more car accidents isn’t true. In fact, drivers 55 and older are 85 percent less likely to be involved in car crashes compared to the national average. Accident rates are even lower for those 65 and older, according to data from the National Highway Traffic Safety Administration.

Of course, accidents can happen to anyone, but once you’ve had a clean driving record for five consecutive years, The Hartford offers accident forgiveness, so your rates won’t go up after your first accident.

Easy Claims Process

No one enjoys making a car insurance claim, but AARP makes it as easy as possible for older adults. If you have a claim, call its phone line (available 24/7) to speak to a human. You’ll describe your claim, submit documentation and photos, and track your claim online. In the meantime, you’ll benefit from AARP’s network of repair shops, glass installers, roadside assistance, and rental car partners.