Compare insurance companies
Data sourced from NAIC complaint reports and J.D. Power surveys. No company pays to be listed or ranked.
NAIC complaint index: below 1.0 is better than average. J.D. Power scores out of 1,000.
USAA is only available to military members, veterans, and their immediate families
If you or a family member served in the US military, USAA consistently scores highest in every major satisfaction metric — apply first.
| Company | Price tier | NAIC complaint index | J.D. Power auto | J.D. Power home | AM Best | Best for | |
|---|---|---|---|---|---|---|---|
| GEICO | Budget-friendly | 0.79 | 874 | Not rated | A++ | budget-conscious driversmilitary members | View review → |
| Progressive | Budget-friendly | 0.93 | 856 | 801 | A+ | high-risk driversbundlers | View review → |
| State Farm | Mid-tier | 0.55 | 891 | 829 | A++ | those wanting a local agentbundlers | View review → |
| Allstate | Mid-tier | 1.15 | 848 | 815 | A+ | bundlersthose wanting new car replacement | View review → |
| Liberty Mutual | Mid-tier | 1.72 | 822 | 805 | A | new car ownersthose wanting customizable coverage | View review → |
| Nationwide | Mid-tier | 0.68 | 876 | 828 | A+ | bundlersfarmers and ranchers | View review → |
| Farmers | Premium | 0.88 | 856 | 791 | A | those wanting agent relationshipshigh-value home owners | View review → |
| USAAMilitary only | Budget-friendly | 0.26 | 909 | 882 | A++ | military membersveterans | View review → |
GEICO
Budget-friendlyNAIC complaint
0.79
AM Best
A++
GEICO is the go-to choice for drivers who prioritize low premiums over personalized service. Ideal for straightforward coverage needs and tech-comfortable customers.
View full review →Progressive
Budget-friendlyNAIC complaint
0.93
AM Best
A+
Progressive shines for non-standard drivers. If you have a spotty record or want to start with a target price and work backward, Progressive is worth a serious look.
View full review →State Farm
Mid-tierNAIC complaint
0.55
AM Best
A++
State Farm is the relationship insurer. If you want a real person handling your policy and claims, and you're willing to pay a small premium for it, State Farm consistently earns that trust.
View full review →Allstate
Mid-tierNAIC complaint
1.15
AM Best
A+
Allstate offers solid coverage with useful extras like accident forgiveness, but you'll pay more for it. Best when you value those specific features over raw savings.
View full review →Liberty Mutual
Mid-tierNAIC complaint
1.72
AM Best
A
Liberty Mutual's coverage customization is genuinely good, but the higher rates and weaker service scores mean you should comparison-shop carefully before committing.
View full review →Nationwide
Mid-tierNAIC complaint
0.68
AM Best
A+
Nationwide is a solid mid-tier choice with strong claims satisfaction and good bundling. Especially worth considering for rural customers and farm property.
View full review →Farmers
PremiumNAIC complaint
0.88
AM Best
A
Farmers costs more but offers coverage options others don't — particularly for rideshare drivers and classic car owners. The price premium is only justified if you need those specifics.
View full review →USAA
Budget-friendlyNAIC complaint
0.26
AM Best
A++
USAA is the best insurance company in America by virtually every metric — but only if you're eligible. If you or a family member served, apply immediately.
View full review →Company data sourced from public NAIC reports and J.D. Power surveys. Data may not reflect current rates or recent company changes.
Quick guide: which insurer is right for you?
I want the lowest premium
GEICO or USAA (if eligible). GEICO consistently ranks among the cheapest for clean-record drivers nationally.
Read the full review →I had an accident or violation
Progressive. Their Name Your Price tool and high-risk driver rates are often best-in-class after incidents.
Read the full review →I want the best claims experience
USAA (if eligible) or State Farm. Both score highest in J.D. Power claims satisfaction surveys.
Read the full review →I want a local agent
State Farm has the largest agent network in the US. Farmers is also strong for agent-based service.
Read the full review →I want to bundle home and auto
Nationwide (up to 20% discount) or State Farm (17%). Both score well on home insurance claims.
Read the full review →I am military or a veteran
USAA — no other insurer comes close. Lowest complaint index, highest J.D. Power scores, competitive rates.
Read the full review →