7 best car insurance companies

The best car insurance companies help you save money with competitive rates, valuable discounts and reliable coverage that fit your needs. Beyond cost, the right insurer can make life easier with strong customer service, flexible policy options, bundling benefits and innovative features like usage-based programs. Insurance offerings and discounts may vary by state. Below are our picks for the best car insurance companies.

Best for discounts: Farmers

Here’s why: Most drivers should be able to find a way to save with Farmers’ extensive list of more than 20 discounts, including discounts for paying in full, bundling, being a good student and driving safely. Farmers even offers discounts for setting up autopay, enrolling in paperless billing or being part of certain professional or affinity groups.

Best for new drivers: Geico

Here’s why: Geico can be a great option for new drivers due to its beginner-friendly discounts and user-friendly features. Geico offers several discounts specifically for new drivers, including a discount for completing a drivers education course and a good student discount, which can lower premiums. The DriveEasy program uses a mobile app to monitor driving habits and may reward new drivers with an additional discount for safe driving.

Best for multiple policies: Amica

Here’s why: Amica is great for drivers who want to manage their auto insurance alongside other policies. Depending on where you live you can get up to 30% off your premium when you bundle your auto insurance with home, life or even umbrella insurance. In some states Amica also offers up to 25% in premium savings when you insure more than one car.

Best for those deemed high-risk: Progressive

Here’s why: Progressive is often willing to insure individuals deemed high-risk — such as those with little-to-no driving experience or with multiple recent claims or driving infractions (including DUIs) — without drastic rate increases. Progressive also offers:

• Free small accident forgiveness in most states as part of its Loyalty Rewards program (your rate won’t change if your first claim is no more than $500)
• Snapshot, which can save you money for safe driving habits

In most states, if you need to file an SR-22 form, Progressive will submit it to your state’s Department of Motor Vehicles on your behalf after you purchase a policy.

Best for customer satisfaction and claims: State Farm

Here’s why: State Farm combines a vast local agent network with one of the highest-rated claims experiences in the industry. The company ranked above average in all regions of J.D. Power’s 2025 U.S. Auto Insurance Study for customer satisfaction as well as in J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study.

Best for safe drivers (UBI): Root

Here’s why: Root uses a unique, usage-based insurance model that weighs your driving behavior more heavily than a traditional pricing model to determine your premium. To get a quote, you complete a test drive that tracks habits such as braking, turning and driving times. This allows Root to calculate a driving score and potentially offer significant savings to safe drivers. It’s important to note, however, that Root isn’t available in all states.

Best for rideshare drivers: Allstate

Here’s why: Allstate offers Ride for Hire®, a coverage option that can help fill gaps between your personal auto policy and the commercial coverage provided by a rideshare company. This could be especially helpful during the time you’re logged into the rideshare app and waiting for a passenger assignment — a period that may have limited coverage and/or coverage exclusions.