Finding the best car insurance company for your needs can be a lot of work.

To make things easier, we’ve gathered and analyzed the top auto insurers’ rate data, financial stability scores and complaint records. We also surveyed their customers to gauge each company’s level of customer experience, claims expertise and policy offerings. We also asked customers if they trusted their insurer, whether they planned to renew and what they thought about their insurance company’s digital experience.

Based on that data and other essential insurance metrics, we created best car insurance company ratings for 2023 and gave each company one to five stars.

According to our analysis, the top car auto insurance company is State Farm with 4.6 out of 5 stars, followed by Geico with 4.1 stars and Auto-Owners with 3.8 stars.

See a list of the top 10 car insurance companies and reviews below.

What are the best car insurance companies?
Here’s a list of the best-rated car insurance companies from first to 10th – with their rounded star ranking. All these companies are among the market leaders, and the list features industry heavyweights like State Farm, Geico and Progressive, as well as smaller companies such as Auto-Owners and Erie.

Rank    Company    Overall rating    Customer satisfaction rating    Learn more
1    State Farm    
4.6
4.5
State Farm insurance review
2    Geico    
4.1
4.2
Geico insurance review
3    Auto-Owners    
3.8
4.1
Auto-Owners insurance review
4    Travelers    
3.7
4.8
Travelers insurance review
5    Nationwide    
3.5
4.2
Nationwide insurance review
6    Erie    
3.2
4.8
Erie insurance review
7    Progressive    
3.1
4.2
Progressive insurance review
8    American Family    
2.7
4.6
American Family insurance review
9    Allstate    
2.7
4.2
Allstate insurance review
10    Farmers    
2.0
3.9
Farmers insurance review
How we picked Insure.com’s top-rated auto insurance companies
insure logo
60+

Carriers reviewed
insure logo
1500

Insurance consumers surveyed
insure logo
65+

Insurance metrics examined
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14.7M

ZIP codes examined
Insure.com in the fall of 2022 surveyed more than 1,500 people about insurance. Online market research company Slice MR conducted the survey.

Respondents ranked their auto insurers and, based on the number of survey responses, the editors then selected the top companies for further evaluation. 

Insure.com’s editors gathered and analyzed the companies’ rate data, AM Best financial stability grades, National Association of Insurance Commissioners (NAIC) complaint data and more to select the nation’s best insurance companies.

USAA is excluded from our overall ranking because it only provides services to members of the military community. Liberty Mutual and Safeco also were omitted from our best automobile insurance rankings because they don’t provide pricing information – one of our key rating metrics – to our data partner Quadrant Information Services. Some other familiar names also didn’t make the cut because those companies didn’t generate enough survey responses.

The best auto insurance companies, by category
So, how do you find the top-rated car insurance company that’s right for you?

Based on Insure.com’s analysis, we selected the best companies for specific situations and needs. This list includes the companies we evaluated beyond the top 10 – like USAA and The Hartford – and are showing here if they performed notably well in the survey.

Best for cheapest rates: Nationwide
Best for customer satisfaction: Erie and Travelers
Best for ease of service: Liberty Mutual and USAA
Best for policy offerings: Erie
Best for claims handling: Nationwide
Best website/online experience: Nationwide
Best discounts: The Hartford
Best military discounts: USAA
Best for young drivers and teens: American Family
Best for college students: Travelers
Best for senior drivers: The Hartford
Best for drivers with tickets: Progressive
Best for high-risk drivers: Allstate
Best for auto and home bundling: Safeco
Most likely to be recommended to others: Travelers and Erie
Most trustworthy: State Farm
Best for renewals: Erie
People also have a preference for how they buy car insurance – some prefer talking to an agent on the phone while others prefer to purchase a policy online.

“You should feel comfortable with your insurance purchase, whether you buy it from a local agent or directly from the company,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute. “Make sure that the agent or company will be easy to reach if you have a question or need to file a claim.”

The top 10 car insurance companies in the U.S.
Additional details about the top-rated car insurance companies of 2023 are below. You’ll note that we rounded each company’s star ranking in our profile boxes. You can find out more about each insurer by clicking on the “Learn More” button.

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State Farm
State Farm
State Farm
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A++
Learn More
+ Add to Compare
State Farm was No. 1 on Insure.com’s list of the Best Car Insurance Companies for 2023 with a ranking of 4.6 stars out of 5. State Farm also received an A++ credit rating for financial stability from AM Best and a J.D. Power score of 842 for customer service out of a possible 1,000.

State Farm customers report being highly satisfied with the company because of its commitment to excellent in-person service. It also received one of the highest scores for trustworthiness, and 93% of its customers said they would sign up again with the company.

Geico
Geico
Geico
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A++
Learn More
+ Add to Compare
Geico ranked No. 2 in Insure.com’s ranking with a star ranking of 4.1 stars out of 5. Geico is known for cheap auto insurance rates, and our rate analysis bears that out; Geico is cheaper than its top competitors. Geico also scored well for customer satisfaction, ease of service and renewals in Insure.com’s survey of insurance consumers.

Auto-Owners
Auto-Owners
Auto-Owners
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A++
Learn More
+ Add to Compare
Auto-Owners ranked No. 3 in the survey with a star rating of 3.8 stars out of 5. It rated highly for renewal rates and affordable monthly premiums.

The company has received many accolades and is ranked A++ (superior) for financial stability by AM Best. It has a J.D. Power score of 837 (out of 1,000) for customer service – above the average of 834.

Travelers
Travelers
Travelers
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A++
Learn More
+ Add to Compare
Travelers ranked No. 4 in Insure.com’s Best Car Insurance Companies ranking for 2023 with a star rating of 3.7 stars out of 5.

Travelers scored at the top of the auto survey for customer satisfaction, had cheaper rates than many of its competitors and was rated highly in our survey for overall satisfaction and customer loyalty.

Nationwide
Nationwide
Nationwide
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A+
Learn More
+ Add to Compare
Nationwide auto insurance came in at No. 5 in Insure.com’s ranking of the Best Car Insurance Companies for 2023 with 3.5 stars out of 5. Nationwide is ranked highly for its cheap rates, renewals and claims satisfaction.

Its rates are consistently lower than most of the companies and its many different policy options make it a good choice for one-stop insurance shopping.

Erie
Erie
Erie
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A+
Learn More
+ Add to Compare
Erie auto insurance ranked No. 6 in Insure.com’s Best Car Insurance Companies ranking for 2023 with a rating of 3.2 stars out of 5.

Few companies ranked as highly for customer satisfaction in Insure.com’s 2023 insurance-consumer survey. The company also ranked highly for policy offerings.

Additionally, customers were keen to recommend Erie to friends and family, and the company was one of the most affordable insurers of those we surveyed.

Progressive
Progressive
Progressive
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A+
Learn More
+ Add to Compare
Progressive ranked No. 7 in Insure.com’s list of the Best Car Insurance Companies for 2023 with 3.1 stars out of 5.

Progressive gets high marks for customer satisfaction, policy offerings and renewals. It also gets high marks from AM Best for its credit rating – a measure of its financial security – and a score of 819 out of a possible 1,000 in J.D. Power’s auto claims satisfaction study.

American Family
American Family
American Family
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A
Learn More
+ Add to Compare
American Family was No. 8 in Insure.com’s Best Car Insurance Companies ranking for 2023 with 2.7 stars out of 5. American Family consistently ranked toward the top of the survey in various categories, including customer satisfaction and auto and home bundling.

Allstate
Allstate
Allstate
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A+
Learn More
+ Add to Compare
Allstate ranked No. 9 with 2.7 stars out of 5. The company was rated highly for its ease of service and expansive policy offerings. The company also received an A+ credit rating for financial stability from AM Best and a J.D. Power score of 832 for customer service out of a possible 1,000. J.D. Power grades auto insurance companies on state/regional levels – it doesn’t offer national scores – so we averaged the state/regional results to see how the companies did as a whole.

Farmers
Farmers
Farmers
info
Average Premium
Customer Satisfaction
NAIC
AM Best Rating
A
Learn More
+ Add to Compare
Farmers ranked No. 10 in Insure.com’s Best Car Insurance Companies ranking for 2023 with 2 stars out of 5. Farmers, one of the largest auto insurers in the U.S. with around 5% of the industry’s market share, ranked highly in Insure.com’s survey of insurance consumers for discounts and bundling home and auto policies. Farmers received an A rating from AM Best, which measures the company’s credit rating and financial strength, and a J.D. Power score of 815 (out of 1,000) for customer service.

The best-rated car insurance companies for the price, customer service, and more
So, how do you find the best insurance company for you? Insure.com editors surveyed consumers of more than a dozen top insurers. We then ranked them based on the information we received, third-party data and rate information. In some instances, we did not have an insurer’s rate information and could not rank it. We are, however, showing certain non-ranked companies here if they performed notably well in our survey of insurance consumers.

Car insurance companies with the cheapest rates
Price is undoubtedly a top concern for auto insurance consumers. The top-rated car insurance companies in this category offer the lowest rates for full coverage for a 40-year-old male with a good driving record.

The cheapest large company was Nationwide, followed by USAA, Geico and Erie. USAA also came out in this list, but it isn’t available to all consumers – only to members of the military and their families – so keep that in mind.

Nationwide
$1,190
USAA
$1,192
Geico
$1,266
Erie
$1,254
Best car insurance companies for customer satisfaction
Customer satisfaction was one of the most critical factors in our auto insurance customer survey. Of the ranked companies, Travelers and Erie came out on top with 96% of customers satisfied with their insurance company. USAA, although not ranked, rated high in our survey. American Family and Liberty Mutual also scored highly.

Erie, Travelers and USAA
96%
American Family and Liberty Mutual
92%
Top-rated car insurance companies for ease of service
Ease of service measures how easy it is for consumers to access policy documents and services, and Liberty Mutual and USAA won this category with 92% of customers satisfied with ease of service, followed by Allstate with 88%.

Liberty Mutual and USAA
92%
Allstate
88%
Best car insurance companies for policy offerings
Some companies offer more policy options than others – telematics, accident forgiveness, home/auto bundling, etc. – and Erie took the top spot among the companies we ranked with 91% of customers satisfied with the company’s policy offerings. Liberty Mutual, although not ranked, did well when looking at all the companies we surveyed.

Erie
91%
Liberty Mutual
90%
Car insurance company most likely to be recommended
Most of the companies in our ranking earned scores in the 80th or 90th percentile when it comes to customers who would recommend the company to others. More than 95% of Travelers and Erie customers would recommend it, followed by a tie between Nationwide, American Family, and State Farm.

Travelers
96%
Erie
96%
Nationwide
94%
American Family
94%
State Farm
94%
Most trustworthy car insurance company
State Farm had the highest score among the companies we ranked when it came to trustworthiness. In most cases, insurers saw percentages in the 70-to-upper-80 range in this category.

State Farm
84%
Allstate and Travelers
81%
Best auto insurance provider for renewals
When it comes to consumers renewing their policies, USAA and Erie took the top spots with 100% of survey respondents saying they plan to renew their policies, followed by Progressive and Nationwide with 97% of customers saying they’ll renew their policies.

Erie
100%
USAA
100%
Progressive
97%
Nationwide
97%

How to find an insurance company that’s right for you
When it comes to shopping for car insurance, it’s important to think about your individual needs – as well as seeking quotes from the top-rated car insurance companies.

“Prices vary greatly from one insurer to another, so it really pays to shop around. Get at least three price quotes from a mix of national and regional carriers,” Friedlander says. “You can obtain quotes through independent and exclusive agents, company websites and online comparison sites.”

Here are some things to keep in mind when shopping for car insurance:

Determine your needs: Determining your specific needs will help you narrow down the carriers you should consider and the different coverages you may need to carry.
Find local insurers: Consider national insurers (ones that operate in all states) and more regional insurance companies that write policies in your state. Look for insurers that offer the coverages and services you would use. 
Gather quotes: Be sure to compare apples to apples regarding coverage levels and deductibles. Get at least three different quotes.
Figure out your non-negotiables: If you prefer to work with an agent, you’ll need to keep that in mind. The same goes if you prefer to make changes using an app – some companies are better than others for digital experience and customer service.
Friedlander says that not every company is licensed to operate in each state: “As a general rule, you should buy from an insurer licensed in your state, because then you can rely on your state insurance department to help if there’s a problem. To find out which companies are licensed in your state, contact your state’s insurance department.”

Final thoughts: Best car insurance companies
When it comes to the best car insurance companies, the best insurance company for you is the one that offers the level of service you need and the price you can afford.