Auto Insurance Insurance Company

The best car insurance companies give their customers more than just coverage they want at a reasonable price — merely good companies can do that. On top of that, the best auto insurers provide a customer-first experience from quote to claim, including a headache-free way to manage policies and make payments.

NerdWallet’s editorial team considered pricing and discounts, ease of filing a claim, website transparency, complaint data from the National Association of Insurance Commissioners and more to determine the 20 best car insurance companies. As we continue to evaluate more auto insurers and receive fresh market data, this list is likely to change.

The best car insurance companies

Finding the best car insurance company for you

Pricing and discounts made up a portion of each insurer’s score, but we know that cost is the top factor for many auto insurance shoppers. Since pricing is based on personal factors including your age, location, vehicle and your credit history and gender (in most cases), it’s important to shop around for car insurance quotes.

If price is the most important factor in your search, comparing car insurance quotes can help you find the cheapest rate. But your shopping experience will also shed light on a company’s customer service standards.

To find the best company for you while shopping for car insurance:

  • Visit your state insurance commissioner’s website to find complaints and other information about companies in your area.
  • Ask your agent or a customer service representative any questions you have to make sure you’re getting all the coverage you need — and nothing you don’t want.
  • Consider smaller insurance companies, too. Small companies offer rates well below large competitors in many locations.
  • If you’ve had tickets, DUIs or other violations, be sure to shop three and five years after the incident, when surcharges can drop significantly.

Want to see rates? Navigate to your state below and compare average rates from the three cheapest car insurance companies in several categories where you live.


NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. This ranking reflects relative performance in our auto insurance rating formula; many companies are considered but only carriers with the highest scores are listed.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.

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