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Best Car Insurance Companies Of February 2023

We evaluated auto insurers to find the best car insurance companies based on average rates for a variety of drivers, coverage features available, levels of complaints and their collision claims process. Satisfaction with car insurance companies is high right now, according to a recent Forbes Advisor survey. But many car owners still think about switching.


Not all car insurance companies are created equal. We surveyed more than 10,000 drivers to learn more about their car insurance experience, focusing on key areas like customer service, claims handling, and customer loyalty. Using that data, we rated the best car insurance companies of 2023 to help you find the best one.

Key points

  • USAA is No. 1 in our rating and also has the lowest average rates in our study. Its products are only available to the U.S. military community.
  • Geico, the company at No. 5 in our rating, has the next lowest annual premiums, on average, among companies we reviewed.
  • State Farm, the insurer rated No. 2 overall, has the third lowest average rates in our ranking of the 10 best car insurance companies.

What Is the Best Car Insurance Company?

According to our data, the best car insurance company is USAA, but its insurance products are only available to members of the military community. If that doesn’t apply to you, the next best option is State Farm, which holds the No. 2 spot in our analysis.
To determine the best car insurance companies, we analyzed rates data as well as feedback from policyholders, with specific attention to customer service, claims handling, customer loyalty, and policy renewal. We also asked survey participants how likely they were to recommend their existing insurer to a driver shopping for a new policy.
If you’re looking for auto insurance, this list can help you compare insurers based on the factors that matter most to you. Though USAA and State Farm lead the pack, you may find a better fit with one of the other eight companies in our rating. As such, it’s a good idea to compare several insurers and their rates before you purchase or renew your policy.

usaa car insurance plan

Top Rated Car Insurance Companies

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American Family – Best for Low Level of Complaints

  • Auto-Owners – Best Cost for Drivers Who Have Caused an Accident
  • Nationwide – Good for Usage-based or Mileage-based Insurance
  • USAA – Best for Military Members & Veterans
  • Geico – Best Overall Car Insurance Rates
  • Travelers – Best Price for Gap Insurance
  • Westfield – Best Family Discounts
  • Erie – Best Grade from Collision Repair Professionals
  • Progressive – Best Price for Drivers With a DUI
  • State Farm – Best Renewal Discount
  • Best Carriers Ranked

    Rank Company Customer Satisfaction Rating (out of 5)
    1st USAA 4.6
    2nd State Farm 4.4
    3rd GEICO 4.4
    4th Allstate 4.4
    5th Kemper 4.4
    6th Progressive 4.3
    7th Erie 4.3
    8th American Family 4.3
    9th Auto Club (AAA) 4.3
    10th Nationwide 4.3
    11th Auto-Owners 4.2
    12th Farmers 4.2
    13th Travelers 4.2
    14th Liberty Mutual 4.2
    15th National General 4.1

    Customer service satisfaction

    Rank Company Customer Satisfaction Rating (out of 5)
    1st USAA 4.6
    2nd State Farm 4.5
    3rd Allstate 4.4
    4th GEICO 4.4
    5th Progressive 4.4

    Other Ratings

    CAR INSURANCE COMPANY REVIEWS

    Insurance company Claims satisfaction Customer service Financial strength NAIC complaint index
    USAA Excellent Above average Superior Excellent
    GEICO Average Above average Superior Average
    Erie Excellent Above average Superior Very good
    Auto-Owners Average Above average Superior Excellent
    The Hartford Excellent Below average Excellent Excellent
    NJM Not rated Above average Superior Excellent
    Cincinnati Not rated Above average Superior Above average
    Amica Excellent Excellent Superior Poor
    Allstate Average Below average Excellent Excellent
    AIG Not rated Below average Excellent Above average
    Metromile Not rated Not rated Not rated Below average
    Progressive Below average Below average Superior Excellent
    Plymouth Rock Not rated Below average Excellent Above average
    Travelers Average Below average Superior Above average
    Bunker Hill Not rated Not rated Excellent Above average
    Chubb Not rated Average Superior Excellent
    Noblr Not rated Not rated Not rated Above average
    PURE  Not rated Not rated Excellent Above average
    State Farm Above average Above average Superior Excellent
    American Family Above average Excellent Excellent Average
    Farmers Excellent Below average Excellent Below average
    Nationwide Average Below average Superior Average
    Allied Not rated Not rated Superior Above average
    MAPFRE Not rated Not rated Superior Average
    21st Century Not rated Not rated Excellent Below average
    Elephant Not rated Not rated Excellent Below average
    MetLife Not rated Below average Superior Below average
    Mercury Not rated Below average Superior Above average
    Liberty Mutual Average Below average Superior Average
    Safeco Average Below average Excellent Below average
    Kemper Poor Not rated Excellent Below average
    The General Not rated Not rated Excellent Below average
    Esurance Not rated Below average Superior Below average
    AAA Below average Below average Superior Average
    Foremost Not rated Not rated Excellent Below average
    Infinity Not rated Not rated Excellent Below average
    Safe Auto Not rated Not rated Good Below average
    Commonwealth Casualty Not rated Not rated Not rated Above average
    California Casualty Not rated Not rated Good Below average
    Hallmark Not rated Not rated Excellent Average
    Root Not rated Not rated Not rated Below average
    Direct Auto Not rated Not rated Excellent Poor
    Stonegate Not rated Not rated Not rated Above average
    AssuranceAmerica Not rated Not rated Not rated Poor
    Aspire General Not rated Not rated Good Below average
    Founders Not rated Not rated Excellent Poor
    Good2Go Not rated Not rated Not rated Poor
    Falcon Not rated Not rated Not rated Poor

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