Best Auto Insurance in 2024 (Top 10 Companies)

Find the best auto insurance from State Farm, USAA, and AAA. However, comparing quotes is always a great way to locate cheap auto insurance.

Still, it’s also vital to consider coverage options, customer service, and financial ratings to find the top auto insurance providers by state.

Navigating the world of auto insurance can be daunting, but fear not. We’ve compiled a comprehensive list of the top 10 best companies to ease your decision-making process. From comprehensive coverage to customizable policies.

Our Top 10 Company Picks: Best Auto Insurance

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#1 – State Farm: Top Overall Pick 

Comparing Coverage Rates With the Best Auto Insurance Companies

Understanding the cost of coverage is a pivotal aspect of selecting the right auto insurance. We’ve curated the average monthly rates for both full and minimum coverage from some of the best auto insurance companies to facilitate an informed decision.

Auto Insurance Monthly Rates by Coverage Level & Provider

Dive into our comparison of coverage rates from leading auto insurance providers! We’ve compiled average monthly rates for full and minimum coverage to help you make an informed decision. Explore and find the best fit for your needs!

Read more: Liberty Mutual vs. USAA Auto Insurance

The Best Auto Insurance Companies

We’ve ranked the top auto insurance companies based on specific factors that could impact your experience with the provider.

In compiling the picks, we considered average rates by driver profile, coverage options, complaints, collision claim grades from auto body repair professionals, and the company’s website usability. To find the best auto insurance provider for your unique situation, take a look at the best providers for each category below.

Read more:

• Apparent Insurance Review
• Assuranceamerica Auto Insurance Review
• Capitol County Mutual Fire Insurance Company: Customer Ratings & Reviews
• Canopius Us Insurance, Inc. Review
• Crestbrook Insurance Company Review
• Integon Indemnity Corporation: Customer Ratings & Reviews
• Hochheim Prairie Casualty Insurance Company: Customer Ratings & Reviews
• Hochheim Prairie Farm Mutual Insurance Association: Customer Ratings & Reviews
• Medical Mutual Insurance Company of North Carolina Review
• Michigan Millers Mutual Insurance Company Review
• Mid-Continent Casualty Company Review
• Mountain Valley Indemnity Company Review
• National Fire & Marine Insurance Company Review
• National Fire and Indemnity Exchange Review
• Norcal Insurance Company Review
• Northland Insurance Company Review
• Oak River Insurance Company Review
• Pacific Specialty Insurance Company Review
• Peleus Insurance Company Review
• Penn Millers Insurance Company Review
• Scottsdale Insurance Company Review
• Service American Indemnity Company Review
• Shelter General Insurance Company Review
• Shelter Mutual Insurance Company Review
• Southern Guaranty Insurance Company Review
• Southern States Insurance Exchange Review
• The Commerce Insurance Company Review
• The Ohio Casualty Insurance Company Review
• The Travelers Indemnity Company of America Review
• The Travelers Protective Association of America Review
• The Zebra Auto Insurance Review
• Fireman’s Fund County Mutual Insurance Company Review
• Firemen’s Insurance Company of Washington, D.C. Review
• Travelers Casualty Company of Connecticut Review
• Travelers Personal Insurance Company Review
• Travelers Constitution State Insurance Company Review
• Triton Insurance Company: Customer Ratings & Reviews
• Triumphe Casualty Company Review
• TruAssure Insurance Company Review
• Trumbull Insurance Company: Customer Ratings & Reviews
• Twin City Fire Insurance Company: Customer Ratings & Reviews
• United Guaranty Residential Insurance Company Review
• United Security Assurance Company of Pennsylvania Review
• United Services Automobile Association Review
• Universal Property & Casualty Insurance Company Review
• Victoria Fire & Casualty Company: Customer Ratings & Reviews
• Young America Insurance Company Review
• 21st Century Premier Insurance Company Review

Our free online comparison tool  allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.

Best Auto Insurance Company for Military and Veterans: USAA

USAA is the best auto insurance company for military and veterans, selling motorcycle, ATV, motorhome, boat, aviation, and classic auto insurance. Expect to pay around $59 a month for USAA full coverage. However, only military members, veterans, and their families are eligible for coverage with USAA.

You can also get accident forgiveness with USAA if you’re worried about an accident increasing your rates. To qualify, you must remain accident-free for at least five years. USAA also sells rideshare coverage if you work for a company like Uber or Lyft.

Explore further by checking our “Auto Insurance Company Reviews.”

Best Auto Insurance Company for a Driver’s Top Choice: Progressive

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Average Auto Insurance Rates by Driving Profile

Your driving profile heavily influences your auto insurance rates. For example, a driver with a DUI or a driver with poor credit will pay higher rates than drivers with a clean record. Check out the average auto insurance rates by the driving profile in the table below. For more information, read our best auto insurance companies after a DUI

Auto Insurance Monthly Rates by Driving Record & Provider

As you can see, a driver with a DUI pays about $209 monthly for full coverage auto insurance, whereas a driver with a clean record pays only $119. Compare average rates and get quotes to find the best auto insurance company for your needs. Learn about how long a DUI stays on your record.

Factors Affecting the Cost of Auto Insurance

Insurance companies consider various factors — both within and outside of human control — that influence your auto insurance rates. If you’re shopping around for the best auto insurance, know that they’ll probably all consider the following factors:

• Driving record
• Age
• Location
• Coverage options
• Deductible amount
• Vehicle model
• Any coverage lapses
• Credit score, except California, Hawaii, Massachusetts, and Michigan

To offset the risk policyholders pose, insurers consider the factors listed above when determining what they’ll pay for coverage. The best way to find out what you’ll pay is to get quotes from multiple companies.

For additional information, read our “Why is my auto insurance so high?”

Required Auto Insurance Coverages

Which states require auto insurance? Almost all U.S. states require at least a minimum amount of liability auto insurance. However, required coverage types and amounts vary by state. Take a look at the table below for a list of the typical auto insurance coverages required by most states.

Auto Insurance Minimum Requirements by State

Since required coverage types and amounts vary, you won’t know what you’ll pay for auto insurance until you get a quote.

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Other Add-on Auto Insurance Coverages to Consider

Most insurance companies offer optional add-on auto insurance coverages to maximize protection or prevent paying for expenses out of pocket. Below is a list of additional auto insurance coverages:

• Gap Insurance: Gap insurance pays the difference between your car’s market value and remaining loan balance if it gets totaled. Learn about how much gap insurance costs.
• SR-22 Insurance: Your state may require you to file an SR-22 certificate if you have a DUI or multiple moving violations. Your insurer may be able to file one on your behalf, but some could drop you as a customer. Learn how to find companies with the top SR-22 auto insurance coverages here.
• Pay-Per-Mile Insurance: Pay-per-mile insurance is great for drivers who travel infrequently. With this coverage, your insurer considers your monthly mileage when setting your rates.
• New Car Replacement: If you total your new car, this coverage pays to replace it with a new one of the same make and model. However, rules for new car replacement vary by insurer, so speak with a company representative for more details.
• Accident Forgiveness: With accident forgiveness, your rates won’t increase after an accident. Some companies also forgive a rate increase following a moving violation. In addition, you might get this coverage for free if you go for a certain period without an accident.
• Vanishing Deductibles: An auto insurance deductible is the amount a policyholder pays before their insurance kicks in. If you have a vanishing deductible, your deductible decreases a certain amount — usually $100 — for each year you go claim-free.

While add-on coverages increase your policy’s value and enhance your vehicle’s protection, they also cost more, so make sure you’re only paying for the coverage you need.

Complaints Against Auto Insurance Companies

Best Auto Insurance Discounts by Company

Many auto insurance providers offer auto insurance discounts to eligible policyholders to help them save on their monthly premiums. However, you may not qualify for some discounts, and you might have to specifically request a certain discount.

It’s important to look around for discounts and ask about eligible discounts when shopping for insurance. Below, you can see what discounts the best auto insurance companies offer to policyholders.

State Farm Auto Insurance Discounts

While State Farm offers some of the lowest rates on average for drivers with an accident, it also provides discounts to individuals who remain accident- or ticket-free. Take a look at State Farm’s list of auto insurance discounts to see if you qualify for savings:

• State Farm Drive Safe & Save: State Farm’s drive safe & save allows policyholders to save up to 30% on auto insurance if they have good driving habits. If you want to find out more about this app. Learn about the best auto insurance companies for people who don’t drive often here.
• Accident-Free Discount: State Farm will discount your auto insurance if you go three consecutive years without a collision.
• Good Student Discount: Full-time high school or college students can save up to 25% with State Farm if they have a B average or better.
• Student Away at School Discount: Drivers under 25 who move away to school can save on their auto insurance with State Farm.
• Safe Vehicle Discount: If you have a new vehicle with updated safety features, you can save with State Farm. For instance, cars made after 1994 could earn up to 40% off medical-related coverages.
• Anti-Theft Discount: State Farm offers a discount if your car is equipped with an alarm or other anti-theft device.
• Multi-Vehicle Discount: Insuring more than one vehicle with State Farm earns you a discount.
• Multi-Policy Discount: If you bundle your auto insurance with State Farm’s homeowners, renters, condo, or life insurance, you’ll receive a multi-policy discount.
• Loyal Customer Discount: State Farm has a loyalty discount for policyholders who have insurance on more than car or other insurance types.
• Defensive Driving Discount: Completing a defensive driving class approved by State Farm will discount your rates by 10% to 15%.
• Driver Training Discount: Drivers under 21 qualify for savings with State Farm if they finish a driver training course.

State Farm’s competitive rates and various discounts make it an excellent choice for drivers looking to reduce their auto insurance rates.

USAA Auto Insurance Discounts

Loyal USAA auto insurance customers who’ve been with the company for a few years could receive savings for “length of membership.” USAA’s list of auto insurance discounts include the following:

• Safe Driver Discount: Drivers who’ve had a clean driving record for at least five years could save money with USAA’s safe driver discount.
• Defensive Driver Discount: You can get a USAA auto insurance discount if you complete an approved defensive driving course.
• Driver Training Discount: If you’re under 21, you can complete a driver training course and save with USAA.
• Good Student Discount: High school or college students who have good grades qualify for USAA’s good student discount.
• New Vehicle Discount: You can get a new vehicle discount with USAA if your car is older than three years.
• Multi-Vehicle Discount: USAA drivers who insure more than one vehicle qualify for a multi-vehicle discount.
• Annual Mileage: If you have low annual mileage, you pose less of a risk to insurance companies, so drivers who don’t drive often qualify for a discount with USAA.
• Vehicle Storage: You could save up to 60% on your auto insurance rates if your vehicle is in storage, a significant discount geared toward military members on deployment. Learn more by reading our best auto insurance for a vehicle in storage.
• Family Discount: You’ll save on your auto insurance if your parents also have USAA.
• Military Installation Discount: If your car is garaged on a military base, you could get 15% off your comprehensive coverage.
• Length of Membership Savings: USAA will discount your auto insurance if you’ve been with the company for several years.

If you’re an active duty service member, a veteran, or their family members, USAA is the best auto insurance provider, offering competitive rates and several ways to save.

Progressive Auto Insurance Discount

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Best Auto Insurance Companies by State

The best auto insurance in the USA heavily depends on your location since certain areas have heavier traffic or more claims. Take a look at the table below to see the average rates for auto insurance in each state.

Auto Insurance Monthly Rates by State & Coverage Level

Discover the best auto insurance options by state with our guide! Find average monthly rates for liability, top collision auto insurance coverage, comprehensive, and full coverage tailored to your location. Choose wisely with our comprehensive breakdown.

Case Studies: Best Auto Insurance

Explore these case studies to uncover the innovative strategies employed by State Farm, USAA, and Progressive in revolutionizing the auto insurance landscape.

• Case Study #1 – State Farm’s Digital Transformation: John, a loyal State Farm customer, enjoyed the convenience of their mobile app for managing policies and filing claims. Personalized offerings based on his preferences showcased State Farm’s commitment to customer experience, making insurance management more convenient for John.
• Case Study #2 – USAA’s Customer-Centric: Sarah, a USAA member and military spouse stationed overseas, found their online banking and mobile claims processing invaluable. USAA’s seamless solutions simplified her finances and insurance needs.
• Case Study #3 – Progressive’s Telematics and Data Analytics: David saved with Progressive’s snapshot telematics by tracking his safe driving for discounts. Personalized rates based on his driving patterns encouraged safer driving. This data-driven approach created a win-win for both David and Progressive.

Discover Strategies for Affordable Auto Insurance Rates

Finding affordable auto insurance doesn’t have to be complicated. Explore these strategies to help you secure the best rates tailored to your needs.

• Shop Around: Obtain quotes from multiple insurance companies to compare and find the most affordable. You could work with an insurance agent or get free quotes online.
• Ask About Discounts: When shopping around, ask about any eligible discounts. For example, you could earn savings if you bundle several insurance products or take a defensive driving class.
• Increase Your Deductible: A deductible is the amount you pay before insurance pays out, so the higher it is, the lower your rates. However, never increase your deductible to an amount you can’t afford to pay out of pocket.
• Consider Pay-Per-Mile Insurance: Pay-per-mile policies charge a base rate and a per-mile rate, which considers your monthly mileage. If you don’t use your vehicle a lot, pay-per-mile could be for you.
• Consider Usage-Based Insurance: Usage-based insurance monitors your driving habits, like hard braking, speeding, phone usage, etc., and offers a discount based on how you score.

By following the steps above, you can find cheap auto insurance that fits your budget and unique needs.

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