
The Best Car Insurance Providers of April 2026
State Farm, GEICO, Nationwide, Progressive, and USAA are among the top picks, depending on your needs and budget.

Full Coverage Averages
- Annual Premium: $2,030
- Monthly Premium: $169

Full Coverage Averages
- Annual Premium: $1,867
- Monthly Premium: $156

Full Coverage Averages
- Annual Premium: $1,533
- Monthly Premium: $128
Key Takeaways
- Our overall top pick for car insurance is State Farm, which provides an ideal mix of affordability, availability, and quality service.
- Drivers can also find excellent coverage from GEICO, USAA, Amica, Auto-Owners, Country Financial, Nationwide, Erie, Progressive, and The Hartford, depending on their demographics, location, and needs.
- Our data reflects average rates, which are useful starting points for comparison, but may not reflect the premiums you’re quoted.
10 Best Auto Insurance Companies
- Best Overall for Quality and Affordability: State Farm
- Best for Cheap Coverage: GEICO
- Best for Military/Veterans: USAA
- Best for Bundling: Amica
- Best for Full Coverage: Auto-Owners
- Best for Families With Young Drivers: COUNTRY Financial
- Best for Mileage-Based Insurance: Nationwide
- Best for Customer Satisfaction: Erie
- Best for Rideshare Drivers: Progressive
- Best for Seniors: The Hartford
Comparison of the Best Auto Insurance
| Company | Full coverage average | Minimum coverage average | J.D. Power Claims Satisfaction (avg. 700)1 | States available |
|---|---|---|---|---|
| State Farm | $2,030 | $650 | 716 | 48 and D.C. (no longer selling new policies in MA or RI) |
| GEICO | $1,867 | $558 | 697 | All and D.C. |
| USAA | $1,533 | $436 | 741 | All and D.C. |
| Amica | $2,274 | $1,205 | 718 | 49 and D.C. (all except Hawaii) |
| Auto-Owners | $1,870 | $520 | 711 | 26: AL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, MI, MN, MO, NE, NC, ND, OH, PA, SC, SD, TN, UT, VA, and WI |
| Country Financial | $1,862 | $681 | N/A | 19: AK, AL, AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NV, OK, OR, TN, WA, and WI |
| Nationwide | $1,987 | $722 | 729 (#4 overall) | 46 and D.C. (all except AK, HI, LA, and MA) |
| Erie | $1,833 | $565 | 743 (#1 overall) | 12: IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI, and D.C. |
| Progressive | $2,060 | $702 | 673 | All and D.C. |
| Hartford (AARP) | $2,914 | $840 | 716 | All and D.C. |
Breaking Down the Best Auto Insurance Companies

- Average Rate forMinimum Coverage$54 mo.
- Average Rate forFull Coverage$169 mo.
- Cheaper-than-average rates
- Local agents across the country
- Easy claims process
- Must complete quotes by phone
- No accident forgiveness
State Farm offers all of the standard coverage options, as well as a few extras like rideshare coverage — 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.
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, taking a driver education course if you’re under 21, insuring multiple vehicles in your household, purchasing another type of policy in addition to auto, and more.
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.
FYI:
State Farm announced its intent to re-enter the insurance market in Massachusetts in early 2027, with more details expected later in 2026.3
Who it’s best for
Those looking for a mix of affordability and quality service, drivers who prefer to work with a local agent
State Farm Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $169 | $54 |
| Annually | $2,030 | $650 |
| Difference from national average | -14% | -10% |

- Average Rate forMinimum Coverage$46 mo.
- Average Rate forFull Coverage$156 mo.
- Available in all states
- Cheap rates even for drivers with bad credit or a speeding ticket
- Repair estimates straight from the mobile app
- Limited agent presence
- Doesn't underwrite home insurance
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.
While no single insurance provider will be the cheapest for absolutely everybody, GEICO is a good bet for most drivers, even certain high-risk drivers like those with poor credit. Drivers with bad credit pay an average of 75 percent more for car insurance, or about $4,126 annually for full coverage. GEICO’s average rate increases 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.
The company also offers one of the longest lists of discounts of any auto insurance provider, including discounts for military members and federal employees. 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.
Who it’s best for
Those looking for the best rates, drivers with poor credit, those who want to purchase a policy online
GEICO Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $156 | $46 |
| Annually | $1,867 | $558 |
| Difference from national average | -21% | -23% |

- Average Rate forMinimum Coverage$36 mo.
- Average Rate forFull Coverage$128 mo.
- Lowest rates for military members, veterans, and their families
- Strong claims satisfaction scores
- Two telematics programs
- Military eligibility required
- Limited to members
- Fewer branch locations
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.
USAA has various car insurance discounts available, including for garaging your car on a military base and putting your car in storage if you’re deployed. Young drivers can also get 10 percent of a USAA auto policy if their parents also have a USAA car insurance policy. The company has two telematics programs, one of which is geared toward low-mileage drivers.
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.
FYI:
USAA membership is completely free.
Who it’s best for
Military members, veterans, and their families
USAA Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $128 | $36 |
| Annually | $1,533 | $436 |
| Difference from national average | -35% | -40% |

- Average Rate forMinimum Coverage$100 mo.
- Average Rate forFull Coverage$190 mo.
- Top-tier customer service
- Available in 49 states (all except Hawaii) and D.C.
- #1 for homeowners and renters insurance on J.D. Power
- Higher base premiums
- Fewer local agents
One of the oldest auto insurance companies in the country, Amica stands out for its exceptional customer service. It ranked above average in J.D. Power’s Claims Satisfaction Study and earned a spot on the Honor Roll of the 2026 CRASH Network Insurer Report Card, with a B+ grade and a 12th place ranking overall among 91 companies.4
In addition, Amica 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.5 It ranked in the top two in J.D. Power’s Digital Experience Study for both the service and shopping categories, making it a great option for those looking to manage their policy digitally.6 Amica is not the cheapest provider on our list, but in exchange for higher rates, you’ll receive an exceptional level of service.
Amica is a mutual insurance company, meaning it is owned by policyholders rather than investors or stockholders, and offers customers the option of 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. A dividend-paying policy often costs more upfront but can save you money in the long run.
Who it’s best for
Those looking to bundle home and auto policies, drivers prioritizing customer service, those looking for an excellent digital experience
Amica Pricing
| Amica | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $189 | $100 |
| Annually | $2,274 | $1,205 |
| Difference from national average | -3% | +67% |

- Average Rate forMinimum Coverage$43 mo.
- Average Rate forFull Coverage$156 mo.
- Competitive full coverage rates, even after an accident
- Many coverage add-ons
- Independent agents
- Agent-only sales
- Slower digital adoption
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. Several of these are particularly beneficial to customers with new vehicles, such as loan or lease gap coverage and diminished value coverage. It also has accident forgiveness and a common loss deductible, which means you’ll only have to pay one deductible if your home and car are insured with Auto-Owners and are damaged in the same covered event.
While Country Financial is our top pick for young drivers, Auto-Owners 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 several discounts for teen drivers, such as a good student discount and a student away at school discount.
Who it’s best for
Drivers looking for cheap rates, drivers who want add-on coverage options, those with leased or financed vehicles
Auto-Owners Pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $156 | $43 |
| Annually | $1,870 | $520 |
| Difference from national average | -21% | -28% |

- Average Rate forMinimum Coverage$57 mo.
- Average Rate forFull Coverage$155 mo.
- Affordable rates for families with teen drivers
- Discount program for new drivers
- Discounts for teachers
- Limited footprint
- Basic app features
- Rate variability
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’s average rates for teens are 26 percent below the national average. While Auto-Owners and Erie have 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.
The company offers an online 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. Country Financial also 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.
Who it’s best for
Families with young drivers, those who want to work with a local agent, people who need farm or business insurance, teachers and educators
Country Financial Pricing
| Country Financial | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $155 | $57 |
| Annually | $1,862 | $681 |
| Difference from national average | -21% | -6% |

- Average Rate forMinimum Coverage$60 mo.
- Average Rate forFull Coverage$166 mo.
- Excellent telematics discount for safe driving
- Pay-per-mile option for low-mileage drivers
- Perks for loyal customers
- Not available in select states
- Expensive for teen drivers
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 drive fewer than 8,000 to 10,000 miles per year. 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.
TIP:
If you go on a road trip, Nationwide will cap the daily mileage charge at 250 miles.
Most major providers offer a telematics discount, which requires tracking driving behaviors like braking, acceleration, and speed. 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.
Nationwide also offers special coverages like gap protection, a vanishing deductible, and a total loss deductible waiver, as well as loyalty perks such as up to $400 for car key replacement and lockout services, and pet coverage for any pets injured in an accident in your vehicle.
Who it’s best for
Low-mileage drivers, safe drivers, those who want to manage their policy online
Nationwide Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $166 | $60 |
| Annually | $1,987 | $722 |
| Difference from national average | -16% | 0% |

- Average Rate forMinimum Coverage$47 mo.
- Average Rate forFull Coverage$153 mo.
- #1 for claims satisfaction on J.D. Power
- Independent agents
- Option to lock in your rate
- Agent-only
- Fewer online features
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.
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.
Erie has an excellent claims satisfaction record, receiving an A- from the CRASH Network Insurer Report Card — fourth out of 91 companies in the report and the best among our top-pick providers. Erie also ranked first in the J.D. Power Claims Satisfaction report. In addition, AM Best gave Erie an A+ rating7, demonstrating that Erie has the financial backing to fulfill its claims.
Who it’s best for
Drivers looking for the best customer service, those who want to lock in their rate, families with young drivers
Erie Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $153 | $47 |
| Annually | $1,833 | $565 |
| Difference from national average | -22% | -22% |

- Average Rate forMinimum Coverage$59 mo.
- Average Rate forFull Coverage$172 mo.
- Cheap rates, including for drivers with a DUI
- Rideshare coverage, including for delivery driving
- Good multi-car discount
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
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. 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.
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.
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.
Who it’s best for
Rideshare drivers, those with a DUI on their record
Progressive Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $172 | $59 |
| Annually | $2,060 | $702 |
| Difference from national average | -13% | -3% |

- Average Rate forMinimum Coverage$70 mo.
- Average Rate forFull Coverage$243 mo.
- Discounts tailored for seniors
- Lifetime car repair guarantee
- RecoverCare support after an accident
- Some discounts restricted to AARP members
- Less competitive for younger drivers
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 affordable, saving members an average of $577 each year, making it worth the membership fees.
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.
An additional perk is that 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. The Hartford is the only provider on our list that caters specifically to seniors.
Who it’s best for
Those eligible for AARP membership, drivers 50 or older
The Hartford (AARP) Pricing
| The Hartford (AARP) | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $243 | $70 |
| Annually | $2,914 | $840 |
| Difference from national average | -24% | +16% |
Methodology
At AutoInsurance.com we use the following four criteria to determine our best providers:
- Pricing (40 percent): When it comes to pricing, we analyze average costs for full and minimum coverage for each of our providers. We also consider various driver profiles, including those with a DUI, poor credit, and young drivers. We also take available discounts into consideration. For minimum coverage, state limits apply. Full coverage uses the following limits:
-
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25 percent): We understand the core function of any auto insurance provider is to fulfill claims. We value providers that are transparent, efficient, communicative, and provide fair damage assessments. We review claims handling based on third-party data from J.D. Power, the CRASH Network Insurer Report Card, and financial strength sources including AM Best and S&P ratings.
- Customer Experience (25 percent): We review the customer journey, from getting an initial quote to accessing support and making policy changes. We assess the quality of online and in-person interactions along with the user experience of a company’s website and apps. Sources include app store reviews, BBB ratings, and the NAIC customer complaint index.
- Coverage Options (10 percent): We review the coverage options of each of our providers, favoring providers who offer robust coverage beyond state minimums. This includes accident forgiveness, rideshare coverage, and gap coverage.
How Does Car Insurance Work?
Here’s how car insurance works:
- You enter a contract with the insurance provider that protects you against losses if you’re involved in a car accident or your car is stolen.
- You’ll pay a premium, usually monthly, to maintain your coverage. If you have full coverage, you’ll also choose a deductible amount for comprehensive and collision — the amount you’ll pay to repair your car before your insurance provider contributes.
- If you’re in a primary at-fault car accident, meaning you hit someone else’s car or property, you’ll file a claim with your insurer.
- Your insurer may accept or reject your claim. If it’s accepted, your insurer will reimburse you for your losses, such as bodily injuries or property damage, after you meet your deductible. If it’s rejected (for example, because you were driving for Uber and your policy doesn’t cover commercial activity), you’ll have to pay out of pocket.
Is car insurance worth it?
Car insurance is not only worth it in cases of major accidents, thefts, or damages, but also legally necessary. All states in the U.S. require some form of auto insurance to protect against bodily injury liability and property damage liability. However, beyond the minimum state requirements, you’ll have to decide for yourself how much coverage you need.
How much car insurance do I need?
How much car insurance you need depends on factors like how much your state requires and how much you can afford to pay out of pocket in the event of an accident. The following coverages are a good place to start:
- Liability coverage with 100/300/100 limits, which is bodily injury liability of $100,000 per person/$300,000 per accident and $100,000 of property damage liability
- Uninsured/underinsured motorist coverage with similar limits to your liability coverage
- Collision and comprehensive (unless you have a very old car), with a $500 or $1,000 deductible
- Personal injury protection or medical payments, depending on your state’s requirements
Average Cost of Car Insurance
In 2026, the average cost of auto insurance is $2,356 annually for full coverage, or $196 per month. The average cost of minimum coverage is $722 annually, or $60 per month.
Below you can see the average cost nationally for various coverage levels and driver profiles.
| Category | Annual Average | Monthly Average |
|---|---|---|
| Full Coverage | $2,356 | $196 |
| Minimum Coverage | $722 | $60 |
| DUI | $4,461 | $372 |
| At-Fault Accident | $3,156 | $263 |
| Poor Credit | $4,126 | $344 |
| Speeding Ticket | $2,730 | $228 |
| Teen Driver | $6,054 | $505 |
| Senior Driver | $2,248 | $187 |
| 25-year-old Driver | $2,781 | $232 |
How to Save on Car Insurance
Many factors that affect the cost of auto insurance are out of our control, such as age, ZIP code, vehicle, and driving history. However, there are several things you can do to save on auto insurance:
- Compare quotes from at least three companies to ensure you’re finding the lowest rates.
- Look for discounts. It pays to find a company whose discounts align with your own circumstances.
- Check local and regional companies, which sometimes offer cheaper rates than the big providers.
- Shop around every six months, as rates fluctuate regularly and the cheapest company for you may change.
- Adjust your policy by raising your deductibles or changing your coverages.
- Get a pay-per-mile policy if you drive fewer than 10,000 miles per year.
Frequently Asked Questions
Auto insurance typically includes liability coverage, which pays for injuries or property damage you cause to others, as well as optional protections like collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection. Each coverage type protects you in different situations—from accidents to theft, weather damage, or medical bills—so policies can be tailored to your needs. Many insurers also offer add-ons like roadside assistance or rental car reimbursement.
Yes — there are several ways to reduce your premiums. Shopping around, bundling policies, maintaining a clean driving record, raising your deductible, or qualifying for discounts (such as good driver, good student, or safety-feature discounts) can all help. Improving your credit score or adjusting coverage on older vehicles may also lower costs.
Yes — cars that are more expensive to repair or replace, have higher theft rates, or come with powerful engines tend to cost more to insure. Newer vehicles or those with advanced safety features may qualify for discounts, while older cars with lower value might allow you to reduce certain coverage types.
It’s usually smart to shop for new quotes about 30–45 days before your current policy renews so you have time to compare rates and avoid last-minute increases. Major life changes—like moving, buying a car, or improving your credit—can also be good opportunities to check for better pricing. Additionally, comparing rates at least once a year helps ensure your coverage and costs stay competitive.
Someone else can drive your car without being on the insurance as long as they have your permission. With permissive use, your insurer will cover any damages that the driver caused, even if they’re not on your insurance policy. However, if someone uses your car regularly, it’s a good idea to add them to a policy, as your insurer may reject the claim if they find out you loan your car regularly and did not disclose the information when you signed up for the policy.
When you can use your car insurance after getting it depends on the effective date of your policy. You can request a specific effective date when you sign up for your policy; it can be on the same day or within 30 days.
Sources
Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyIt’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyIntent to Enter Massachusetts Marketplace. State Farm. (2025, Oct 14).
https://newsroom.statefarm.com/statefarm-to-enter-massachusetts/Top Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, JD Power Finds. JD Power. (2025, Sept 16).
https://www.jdpower.com/business/press-releases/2025-us-home-insurance-studyAuto Insurer Websites and Apps Become Battleground for New Customers as Policy Shopping Activity Skyrockets, JD Power Finds. JD Power. (2025, May 14).
https://www.jdpower.com/business/press-releases/2025-us-insurance-digital-experience-studySearch for a Rating. AM Best. (2026).
https://ratings.ambest.com/

