Looking for the best car insurance for your needs? Our team of experts researched hundreds of carriers and identified our top 10 auto insurance providers to make your shopping process easier.

10 Best Car Insurance Companies of 2025

1. Best Overall for Quality and Affordability: State Farm

2. Cheapest: GEICO

3. Best for Bundling: Allstate

4. Best for Military: USAA

5. Best for Full Coverage: Erie

6. Best for Families With Young Drivers: Auto-Owners

7. Best for Mileage-Based Insurance: Nationwide

8. Best for Customer Satisfaction: Amica

9. Best for High-Risk Drivers: Progressive

10. Best for Seniors: AARP

Comparison of Best Car Insurance

State Farm offers all of the standard coverage options, as well as a few extras like rideshare insurance — and you can manage your policy with a user-friendly mobile app. An A++ rating for financial stability from AM Best and an above-average score for claims satisfaction from J.D. Power make it a reliable and affordable provider.

State Farm Driving Discounts and Competitive Rates

One way State Farm is able to keep rates low is by offering a number of auto insurance discounts. Depending on where you live, you might be able to save by:

• Remaining accident- and violation-free
• Maintaining good grades if you’re a student, or keeping your vehicle at home while away at college
• Taking a driver education course if you’re under 21
• Insuring multiple vehicles in your household
• Purchasing another type of policy, like home or renters insurance
• Having a vehicle with an anti-theft device or certain safety features
• Renewing your policy with State Farm for at least three years

Reasonable Rates for Drivers With an At-Fault Accident

On average, the cost of auto insurance after an accident increases by about 30 percent for three to five years. State Farm’s rates increase by an average of only 34 percent, making it a good choice for drivers with an at-fault accident on their record.

Coverage for Rideshare Drivers

If you use your vehicle for a rideshare or delivery service like Uber, Lyft, or DoorDash, it’s wise to purchase rideshare coverage. State Farm is one of the best options for rideshare drivers, due to its strong protections and availability. Many major insurers offer rideshare coverage only in a handful of states, but with State Farm, you can add it to your policy everywhere except Alaska, Hawaii, Illinois, Massachusetts, North Carolina, Rhode Island, and South Dakota.

GEICO has some of the cheapest auto insurance prices in the country, especially if you live in New York or New Jersey. While some providers offer cheaper rates than GEICO — Auto-Owners, USAA, and Erie, specifically — GEICO is the only company that is widely available in all 50 states and D.C., as well as to non-military members. Unlike State Farm, which has a wide agent network, GEICO conducts most of its business online. If budget is top of mind for you, consider GEICO as your car insurance provider.

Low Premiums for Drivers on a Budget

While no single insurance provider will be the cheapest for absolutely everybody, GEICO is a good bet for most drivers. With an average annual cost of $1,731 for full coverage, GEICO is the cheapest large service provider available in all 50 states and D.C. (The average cost of auto insurance in 2025 is $2,399). However, expect lower prices in states like Maine and higher prices in states like Louisiana, where car insurance is more expensive in general.

Save More With GEICO Discounts

GEICO stands out for offering a number of discounts:

Good Rates for Drivers With Bad Credit

Drivers with bad credit pay more for auto insurance — an average of 80 percent more, or about $3,377 annually for full coverage. GEICO’s rates increase to only $2,498, about 40 percent higher than its full coverage policy and around 25 percent less than the national average cost for drivers with poor credit. This makes it a solid choice for those with a less-than-stellar credit rating.