56 reviewed. 36 more in the directory, 7 comparison platforms flagged.

USAA

Est. 1922

4.86

/5.00

#1

USAA ranks #1 for affordability among major car insurance carriers, with average rates of $248 monthly.

State Farm

Est. 1922

4.41

/5.00

#1

State Farm ranks #5 for affordability among major car insurance carriers, with average rates of $337 monthly.

NJM

4.35

/5.00

NJM is a mutual carrier with one of the strongest customer-satisfaction reputations in the industry

GEICO

Est. 1936

4.34

/5.00

#4

GEICO ranks #2 for affordability among major car insurance carriers, with average rates of $286 monthly.

Travelers

4.25

/5.00

Travelers is the carrier most often picked by drivers who'd rather pay a bit more for confidence in the claims

Progressive

Est. 1937

4.22

/5.00

#5

Progressive is the fifth-best car insurance overall with strong telematics savings and pioneering comparison-r

Acuity

4.05

/5.00

Acuity Insurance is a Wisconsin-based mutual with strong customer-satisfaction reputation.

Allstate

Est. 1931

4.05

/5.00

#6

Allstate ranks #6 for affordability among major car insurance carriers, with average rates of $363 monthly.

Auto-Owners

4.05

/5.00

Auto-Owners is one of those carriers you might not have heard of unless your independent agent recommended it

Cincinnati Insurance

4.05

/5.00

Cincinnati Insurance distributes exclusively through independent agents — no direct-to-consumer purchase.

Nationwide

Est. 1925

4.05

/5.00

#7

Nationwide ranks #7 for affordability among major car insurance carriers, with average rates of $354 monthly.

Texas Farm Bureau

4.05

/5.00

Texas Farm Bureau is Texas-only and requires Farm Bureau membership (open to anyone, modest annual fee).

Wawanesa

4.05

/5.00

Wawanesa is a Canadian-owned mutual that's been a hidden value in California and Oregon for decades.

Safety

4.00

/5.00

Safety Insurance is a Massachusetts-focused regional with strong in-state market share.

Amica Mutual

3.95

/5.00

Amica is the carrier you choose when service quality matters more than price

Arbella

3.95

/5.00

Arbella is a Massachusetts and Connecticut regional mutual with strong in-state market share.

Kentucky Farm Bureau

3.95

/5.00

Kentucky Farm Bureau is Kentucky's largest auto insurer and requires Farm Bureau membership.

MEEMIC

3.95

/5.00

MEEMIC started as the Michigan Education Employees Mutual Insurance Company and still leans heavily into that

NC Farm Bureau

3.95

/5.00

NC Farm Bureau is North Carolina-only and requires Farm Bureau membership.

Shelter

3.95

/5.00

Shelter is a Missouri-based mutual operating across 14 mostly-Midwestern states.

Georgia Farm Bureau

3.90

/5.00

Georgia Farm Bureau is Georgia-only and requires Farm Bureau membership.

Grange

3.90

/5.00

Grange Mutual is a Midwest-based carrier operating in 13 states across the central U.S.

Missouri Farm Bureau

3.90

/5.00

Missouri Farm Bureau is Missouri-only and requires Farm Bureau membership.

SECURA

3.90

/5.00

SECURA Insurance is a Wisconsin-based mutual operating across 13 states.

Westfield

3.90

/5.00

Westfield Insurance is an Ohio-based mutual operating across 10 states in the Midwest and South.

ALFA

3.85

/5.00

ALFA Insurance is Alabama's Farm Bureau carrier, with limited expansion into Georgia and Mississippi.

American Family

3.85

/5.00

American Family is a Midwest-rooted mutual carrier that ranks consistently well on customer satisfaction and o

Chubb

3.85

/5.00

Chubb's personal auto targets high-net-worth households with valuable vehicles and complex coverage needs.

Hanover

3.85

/5.00

Hanover is a multi-line carrier whose personal auto sits within a broader portfolio including commercial and s

Pekin

3.85

/5.00

Pekin Insurance is an Illinois-based mutual operating in Illinois, Indiana, Iowa, Ohio, and Wisconsin.

Plymouth Rock

3.85

/5.00

Plymouth Rock is a Northeast regional that earns most of its market share in Massachusetts

Selective

3.85

/5.00

Selective Insurance is a Northeast-rooted multi-line carrier where personal auto sits alongside a substantial

The Hartford

3.85

/5.00

The Hartford has spent decades positioning itself as the auto carrier for AARP members — its exclusive partner

AAA

3.75

/5.00

AAA sits at the intersection of insurance and membership — its auto coverage is competitive on service and roa

AIG

3.75

/5.00

AIG's personal auto offering is part of its Private Client Group, designed for high-net-worth households with

Liberty Mutual

Est. 1912

3.75

/5.00

#7

Liberty Mutual is a major national carrier with a 'pay only for what you need' marketing pitch and broad cover

Mercury

3.75

/5.00

Mercury earns its space in the market on price — particularly in California where it's been a major regional p

Sentry

3.75

/5.00

Sentry Insurance is a major Wisconsin-based mutual whose primary business is commercial insurance — fleet, bus

State Auto

3.75

/5.00

State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Au

Clearcover

3.70

/5.00

Clearcover is a digital-first carrier focused on competitive rates for clean-record drivers in select states.

Farmers

3.70

/5.00

Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with ho

Safeco

3.70

/5.00

Safeco Insurance is Liberty Mutual's independent-agent brand — same parent company, different distribution mod

Foremost

3.65

/5.00

Foremost Insurance is Farmers' specialty arm, originally known for manufactured-home insurance and now writing

Metromile

3.65

/5.00

Metromile pioneered pay-per-mile auto insurance — you pay a base rate plus a few cents per mile driven.

MetLife

3.60

/5.00

MetLife exited the U

Root

3.60

/5.00

Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, an

Kemper

3.55

/5.00

Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands

National General

3.55

/5.00

National General is Allstate's non-standard and specialty subsidiary, acquired in 2021

Bristol West

3.35

/5.00

Bristol West is Farmers' non-standard arm, writing policies for drivers Farmers' main underwriting wouldn't ac

Dairyland

3.35

/5.00

Dairyland is a non-standard auto carrier that's particularly well-known for motorcycle insurance

The General

3.25

/5.00

The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carri

Direct Auto

3.15

/5.00

Direct Auto is a non-standard carrier with a heavy retail-storefront model — primarily Southern U.S. markets.

GAINSCO

3.15

/5.00

GAINSCO writes non-standard minimum-coverage auto in select Southern and Western markets.

SafeAuto

3.15

/5.00

SafeAuto's pitch is straightforward: minimum-coverage policies at competitive prices for drivers who need to b

Titan

3.05

/5.00

Titan is a non-standard auto carrier now operating as part of Nationwide's family of companies.

Esurance

3.00

/5.00

Esurance was a digital-first Allstate subsidiary that operated from 1999 to 2020

Allied

—

Pending

Allied is an auto insurance carrier headquartered in IA

American Independent

—

Pending

American Independent is an auto insurance carrier headquartered in NV

American National

—

Pending

American National is an auto insurance carrier headquartered in MO

Arrowhead General

—

Pending

Arrowhead General is an auto insurance carrier headquartered in CA

Bear River

—

Pending

Bear River is an auto insurance carrier headquartered in UT

Bluefire

—

Pending

Bluefire is an auto insurance carrier headquartered in TX

California Casualty

—

Pending

California Casualty is an auto insurance carrier headquartered in CO

Cameron

—

Pending

Cameron is an auto insurance carrier headquartered in MO

CarInsurance.net

N/A

Aggregator

CarInsurance

Co-Operative

—

Pending

Co-Operative is an auto insurance carrier headquartered in VT

Columbia

—

Pending

Columbia is an auto insurance carrier in our coverage universe

Cure

—

Pending

Cure is an auto insurance carrier headquartered in NJ

Elephant

—

Pending

Elephant is an auto insurance carrier headquartered in VA

EMC

—

Pending

EMC is an auto insurance carrier in our coverage universe

Encova

—

Pending

Encova is an auto insurance carrier headquartered in OH

Experian

N/A

Not a carrier

Experian is a credit reporting bureau, not an insurance carrier

Fast Insurance Rates

N/A

Aggregator

Fast Insurance Rates is a lead-generation marketplace, not an insurance carrier

Loya

—

Pending

Loya is an auto insurance carrier headquartered in TX

Freedom National

—

Pending

Freedom National is an auto insurance carrier headquartered in CA

Grange Mutual

—

Pending

Grange Mutual is an auto insurance carrier headquartered in OH

Gulfstream

—

Pending

Gulfstream is an auto insurance carrier in our coverage universe

Infinity

—

Pending

Infinity is an auto insurance carrier headquartered in IL

Insurance.io

N/A

Aggregator

Insurance

InsuranceQuotes.com

N/A

Aggregator

InsuranceQuotes

Insurify

N/A

Aggregator

Insurify is a venture-funded auto insurance comparison platform — it doesn't underwrite policies

La Familia

—

Pending

La Familia is an auto insurance carrier headquartered in TX

Maine Mutual Group

—

Pending

Maine Mutual Group is an auto insurance carrier headquartered in ME

Merchants Insurance Group

—

Pending

Merchants Insurance Group is an auto insurance carrier headquartered in NY

Motorist Mutual

—

Pending

Motorist Mutual is an auto insurance carrier headquartered in OH

New Jersey Skylands

—

Pending

New Jersey Skylands is an auto insurance carrier headquartered in NC

Official

—

Pending

Official is an auto insurance carrier headquartered in CA

Otto

—

Pending

Otto is an auto insurance carrier headquartered in FL

Penn National

—

Pending

Penn National is an auto insurance carrier headquartered in PA

Pioneer State Mutual

—

Pending

Pioneer State Mutual is an auto insurance carrier headquartered in MI

Pronto

—

Pending

Pronto is an auto insurance carrier headquartered in TX

Provide

—

Pending

Provide is an auto insurance carrier headquartered in MA

Safeway

—

Pending

Safeway is an auto insurance carrier in our coverage universe

Security National

—

Pending

Security National is an auto insurance carrier in our coverage universe

UltimateInsurance.com

N/A

Aggregator

UltimateInsurance

Unique

—

Pending

Unique is an auto insurance carrier headquartered in IL

USAgencies

—

Pending

USAgencies is an auto insurance carrier headquartered in CA

Victoria

—

Pending

Victoria is an auto insurance carrier headquartered in OH

Western National

—

Pending

Western National is an auto insurance carrier in our coverage universe