CAR REVIEWS

Top rated Car Insurance Companies in United States 2023

Car insurance Companies can be costly, especially if you have tickets, accidents, a teenager, or other risk factors hiking your rates. But it’s possible to meet state requirements, protect yourself and your property, and avoid paying more than you must with affordable policies through some of the best car insurance companies.

Best Cheap Car Insurance of 2023

Compare The Best Cheap Car Insurance

1. Best Overall
State Farm Auto Insurance

On State Farm’s website

State Farm State Farm Auto Insurance

Overall Ratings 

4.37/5

Perks

Offers many discounts, including good student discounts for high school and college students

JD Power Customer Satisfaction Rating

817

AM Best Financial Strength Rating

A++

Pros

  • Nationwide presence
  • High customer satisfaction and claims satisfaction rankings
  • Discounts for bundling insurance products

Cons

  • Quotes are only available through captive agents (who only quote State Farm)
  • Pricing may be higher or products unavailable for high-risk drivers
  • Rates may rise quickly for households with teen drivers
2. Best for Military Members
USAA Auto Insurance

On USDA’s website

USAA USAA Auto Insurance

Overall Rating

4.12/5

Perks

Offers numerous discounts and get up to 30% off

JD Power Customer Satisfaction Rating

871

AM Best Financial Strength Rating

A++

Pros

  • Low rates for eligible buyers
  • Coverage is available in all 50 states and Washington, DC
  • Auto policies can be bundled with other insurance plans and financial products

Cons

  • Only available to military, veterans, and their families.
  • Claims may take longer than with some other providers

The Expert’s Take

USAA Auto Insurance could be a great option if you’re a current or former military member; no one else is eligible. Coverage is available in all 50 states, and premiums are generally affordable.

USAA Auto Insurance review

Product Details

  • USAA auto insurance is open to the military, veterans, and their families
  • Discounts for safe driving and more
3. Best for Cheap Coverage
GEICO Auto Insurance

On GEICO’s website

GEICO GEICO Auto Insurance

Overall  Rating

4.62/5

Perks

Discounts for airbags, anti-theft system, military, good student, good driver, multi-car discounts, and bundling insurance

JD Power Customer Satisfaction Rating

824

AM Best Financial Strength Rating

A++

Pros

  • A national presence with coverage in all 50 states
  • Buyers can bundle with homeowners, renters, and other insurance products
  • Offers some of the most competitive auto insurance rates
  • Claims adjusters may be able to reduce or eliminate deductibles on some claims

Cons

  • Customer satisfaction varies across products
  • Claims process may be longer than some competitors based on customer reviews
The Expert Take

offers auto, homeowners, and life insurance. It’s been around since 1936 and generally offers some of the lowest rates. However, customer satisfaction may be an issue.

Product Details

  • Discounts for safe driving, good grades, military, and more
  • Available in all 50 states
4. Reasonable for Seniors
The Hartford Auto Insurance

On Hartford’s website

The Hartford The Hartford Auto Insurance

Overall Rating

3.62/5

Perks

Offers discounts for vehicle safety, insuring an electric vehicle, and completing a driver’s training course

JD Power Customer Satisfaction Rating

860

AM Best Financial Strength Rating

A+

Pros

  • Highly ranked for customer satisfaction
  • Provides discounted rates across all 50 states for senior drivers

Cons

  • Coverage is exclusively available to AARP members
  • Drivers with a mixed driving history may not qualify

The Expert Take

The Hartford offers auto, homeowners, and renters insurance. It’s been around since 1810 and is known for providing excellent customer service and a wide array of benefits for AARP members.

The Hartford review

Product Details

  • Accident forgiveness for the first accident
  • New car replacement coverage
  • Only available to AARP members
5. Best for Heroes
California Casualty Auto Insurance

On CALCA’s website

California Casualty Management Company California Casualty Auto Insurance

Overall  Rating

2.87/5

Perks

Offers discounted rates for workers deemed heroes

AM Best Financial Strength Rating

B+

Pros

  • The company offers affordable rates for nurses, firefighters, peace officers, teachers, and other heroes
  • Agents offer customers extra coverages tailored to heroes like deductible-free protection for teachers while at school or other work-related tasks
  • Benefits may be available for surviving spouses in certain circumstances
  • Partners with MexPro to offer auto insurance in Mexico

Cons

  • Not all medical professionals or heroes qualify for coverage
  • California Casualty is only available in a limited number of states
  • California Casualty is not available to the general public

The Expert Take

California Casualty offers auto and homeowners insurance to teachers, nurses, firefighters, and other heroes. Its partnership with MexPro also provides auto insurance for heroes traveling to Mexico.

California Casualty Auto Insurance review

7. Best for High-Risk Drivers
Progressive Auto Insurance

On Progressive’s website

Progressive Progressive Auto Insurance

Overall  Rating

4.62/5

Perks

Offers personalized rate based on driving

JD Power Customer Satisfaction Rating

842

AM Best Financial Strength Rating

A+

Pros

  • Coverage available in all 50 states
  • Discounts for bundling insurance products with competitive rates
  • Highly rated with JD Power and AM Best

Cons

  • Rates may jump significantly after your first accident or for higher-risk drivers
  • Mixed reviews on claims and customer service on sites like Consumer Affairs and Trustpilot

The Expert Take

A highly ranked and long-standing insurance company, Progressive offers auto, home, motorcycle, and other insurance across the United States.

Progressive Auto Insurance review

Product Details

  • Ranked #17 out of 18 in auto claims satisfaction
  • Bundling, vehicle safety, and student driver discounts
  • Low rates
  • Name your price tool

How Can I Find the Best Price on Car Insurance?

Knowing the factors that affect car insurance rates, such as your credit, can help you identify ways to save. Here are the easiest ways to find a good deal on cheap car insurance.

Shop Around

To find the best price on car insurance, compare car insurance quotes from at least three companies for the same level of coverage. Because rates can vary wildly among companies, shopping around is the best way to get the biggest potential savings.

Choose a Higher Deductible

If you have collision and comprehensive coverage, choosing a higher car insurance deductible is another reliable method for lowering your insurance bill. (There is no deductible for liability insurance.)

Ask About Discounts

Many car insurance discounts will be automatically applied to your bill, such as “pay in full” discounts. But sometimes your insurance company won’t know you’re eligible for a discount, so it’s good to ask. For example, if you have a high school or college-age driver who gets good grades, ask about a good student discount.

State Average annual cost for full coverage car insurance
Alabama $1,809
Alaska $2,323
Arizona $1,696
Arkansas $2,061
California $2,462
Colorado $2,489
Connecticut $1,730
Delaware $2,462
Florida $4,326
Georgia $2,181
Hawaii $1,633
Idaho $1,021
Illinois $2,345
Indiana $1,454
Iowa $1,238
Kansas $1,693
Kentucky $1,979
Louisiana $3,629
Maine $1,216
Maryland $3,349
Massachusetts $2,333
Michigan $2,995
Minnesota $2,360
Mississippi $1,704
Missouri $2,323
Montana $1,770
Nebraska $1,538
Nevada $3,342
New Hampshire $1,411
New Jersey $2,240
New Mexico $2,104
New York $4,769
North Carolina $1,307
North Dakota $1,319
Ohio $1,112
Oklahoma $2,291
Oregon $1,459
Pennsylvania $3,600
Rhode Island $2,715
South Carolina $2,387
South Dakota $1,821
Tennessee $1,720
Texas $2,938
Utah $1,955
Vermont $1,037
Virginia $1,486
Washington $1,829
West Virginia $1,688
Wisconsin $1,905
Wyoming $1,341
Source: Quadrant Information Services. Rates are based on liability coverage of 100/300/100 ($100,000 in bodily injury liability per person, $300,000 per accident, and $100,000 in property damage liability) uninsured motorist coverage and collision and comprehensive insurance with a $500 deductible. 

What Is Car Insurance?

Car insurance is a contract between you and the insurance company that provides you with specific coverage in exchange for your premium payments. Your car insurance policy is the contract that outlines what you can make claims for.


How Much Does Car Insurance Cost?

Car insurance costs an average of $2,067 a year, based on expert analysis from large car insurance companies. That’s $172 per month, on average.

Company Average annual car insurance cost for good drivers Average monthly car insurance cost for good drivers
USAA $1,412 $118
Auto-Owners $1,628 $136
Geico $1,716 $143
Westfield $1,759 $147
Travelers $1,852 $154
State Farm $1,959 $163
Nationwide $2,041 $170
Erie $2,144 $179
Progressive $2,157 $180
American Family $2,176 $181
Farmers $2,381 $198
Safe Auto $2,647 $221
Allstate $3,000 $250
Rates are based on a female driver, age 45, insuring a Toyota RAV4 with liability coverage of 100/300/100 ($100,000 in bodily injury liability per person, $300,000 per accident, and $100,000 in property damage liability) and collision and comprehensive insurance with a $500 deductible.

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