Compare car insurance companies

For most drivers with a clean record, GEICO consistently delivers lower premiums and fewer customer complaints (NAIC index 0.79 vs 0.93). Progressive flips the script if you have accidents or violations on your record — their Name Your Price tool and high-risk underwriting are purpose-built for non-standard drivers. Both are budget-tier. The deciding factor is your driving history.

State Farm's J.D. Power auto score (891) beats GEICO's (874), and its NAIC complaint index (0.55) is far better than GEICO's (0.79) — meaning dramatically fewer complaints relative to its size. If you want the lowest possible premium and rarely need to call your insurer, GEICO is hard to beat. If you want a local agent and top-tier claims handling, State Farm is worth the small price premium.

State Farm outscores Progressive on every satisfaction metric — J.D. Power auto (891 vs 856), NAIC complaints (0.55 vs 0.93), and overall claims satisfaction. State Farm's Drive Safe & Save telematics program also offers meaningful discounts for low-mileage or cautious drivers. Choose Progressive only if your record includes accidents, a DUI, or other violations that would penalize you at standard carriers.

Allstate's NAIC complaint index of 1.15 means it receives more complaints than average for its size — while GEICO sits at 0.79. GEICO also consistently undercuts Allstate on premium for comparable coverage. Allstate's edge is in extras: accident forgiveness, new car replacement coverage, and the Drivewise telematics program. If you specifically need those features, Allstate may be worth the higher cost. Otherwise, GEICO.

USAA's numbers are simply in a different category: NAIC complaint index 0.26 (74% fewer complaints than the industry average), J.D. Power auto score 909 (highest in the industry), and rates that compete with GEICO and Progressive. The only catch is eligibility — USAA is exclusively available to active military, veterans, and their immediate families. If you or a direct family member served, apply before comparing anyone else.

This is one of the clearest comparisons: State Farm beats Allstate on J.D. Power auto satisfaction (891 vs 848), NAIC complaints (0.55 vs 1.15), and typically on price. Allstate counters with its accident forgiveness program — useful if you're worried about a rate spike after a first incident — and new car replacement coverage. Unless you specifically want those features, State Farm is the better pick for the average homeowner or driver.

Liberty Mutual's NAIC complaint index of 1.72 is the highest among the major carriers we track — meaning significantly more complaints per customer than average. Progressive's 0.93 is much better, and its rates for most driver profiles come in lower. Liberty Mutual's strength is coverage customization (Better Car Replacement, RightTrack telematics up to 30% off). Only choose Liberty Mutual if you specifically need those coverage options and have gotten a competitive quote.

Nationwide actually has a respectable NAIC index (0.68) and solid J.D. Power auto score (876) — but State Farm beats it on both (0.55 and 891). Where Nationwide competes strongly is bundling: up to 20% discount for combining home and auto, which rivals or beats State Farm's offering. Nationwide is also worth serious consideration for rural customers, farmers, and ranchers who need farm property or livestock coverage.