
Cheapest Car Insurance Companies
USAA, Erie, Nationwide, Country Financial, and Farmers are top-rated providers that offer affordable car insurance coverage for budget-conscious drivers.
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Key Points:
- The top cheap car insurance companies are USAA, Erie, Nationwide, Country Financial, and Farmers.
- The best way to find the cheapest coverage is to compare quotes from several insurers.
- Make sure to inquire about discount opportunities offered by your insurance provider.
Our team did an in-depth, industry wide review of the best car insurance companies in the country. In this article, we’ll look at which insurers offer the cheapest car insurance and evaluate them by cost, available discounts, and customer reviews.
Cheapest Car Insurance Companies
Based on our industry-wide research, we found that the top five providers of cheap auto insurance are USAA, Erie, Nationwide, Country Financial, and Farmers. In the sections below, we’ll take an in-depth look into each company.
Provider | Our Overall Rating | Average Annual Cost | |
---|---|---|---|
1. USAA | 4.6 | $1,054 | |
2. Erie Insurance | 4.5 | $1,238 | |
3. Nationwide | 4.3 | $1,281 | |
4. Country Financial | 4.3 | $1,295 | |
5. Farmers | 4.2 | $2,140 |
*All cost data is for the profile of a 35-year-old driver with good credit and a clean driving record unless otherwise noted.
#1 USAA: Best For Military Members
Founded: 1922
AM Best Rating: A++
Better Business Bureau (BBB) Rating: NR
According to the National Association of Insurance Commissioners (NAIC), USAA is the fifth-largest auto insurer in the U.S. In 2022, the company captured 5.92 percent of the market share and wrote over $16.4 billion in car insurance premiums. USAA offers insurance coverage to members of the military, veterans, and their children.
USAA Pros And Cons
Here are some pros and cons of insurance coverage from USAA.
USAA Average Auto Insurance Rates
USAA is one of the cheapest auto insurance providers on the market. Full-coverage policies from the company cost an average of $88 per month or $1,054 per year. USAA coverage is about 39 percent cheaper than the national average.
USAA Car Insurance | Average Monthly Cost | Average Annual Cost | |
---|---|---|---|
Full Coverage | $88 | $1,054 | |
Minimum Coverage | $28 | $333 |
USAA Insurance Cost For Teen Drivers
Teen drivers typically pay the most for car insurance coverage. Here’s a table that shows average costs for teen drivers covered by USAA.
Age | USAA Average Monthly Cost | USAA Average Annual Cost | |
---|---|---|---|
16 | $399 | $4,784 | |
17 | $283 | $3,398 | |
18 | $241 | $2,897 | |
19 | $188 | $2,261 |
USAA Insurance Cost For Other Driving Profiles
Below are averages for 35-year-old male drivers with speeding tickets, DUIs, or recent accidents.
Driver Profile | USAA Average Monthly Cost | USAA Average Annual Cost | National Average Annual Cost | |
---|---|---|---|---|
Recent speeding ticket | $118 | $1,413 | $2,313 | |
DUI | $186 | $2,236 | $3,277 | |
Recent accident | $137 | $1,647 | $2,689 |
USAA Car Insurance Discounts
In addition to offering some of the cheapest rates, USAA provides the following discounts to policyholders:
Discount | Details | |
---|---|---|
Good student discount | Available to students who maintain a “B” average or higher | |
Good driver discount | Available to drivers who maintain a good driving record for at least five years | |
Military garage discount | Available to policyholders who garage their vehicle on a military installation | |
Bundling discount | Available to those who bundle USAA auto coverage with other insurance products like homeowners, renters, or life insurance | |
New vehicle discount | Available to drivers with cars at least three model years old or newer | |
Anti-theft discount | Available to those with anti-theft devices installed in their vehicle | |
Deployment discount | Available to military members that store their cars during deployment |
USAA Customer Reviews
USAA has an average star rating of 1.1 out of 5.0 on the BBB’s website and 1.3 out of 5.0 on Trustpilot. Though the ratings are low, it’s important to keep in mind that both sites have less than 2,000 USAA reviews, which is a small fraction of the company’s consumer base.
Positive reviews mention excellent customer service, while negative reviews often cite a slow claims process.
#2 Erie Insurance: Best Basic Coverage
Founded: 1925
AM Best Rating: A+
BBB Rating: A+
Erie is a midsize insurance company that serves 12 states in the Northeast, Southeast, and Midwest. According to the NAIC, the company Erie Insurance held 1.30 percent of the market share and wrote almost $3.6 billion in insurance premiums in 2022.
Erie Insurance Pros And Cons
Below are some of the pros and cons of Erie Insurance.
Erie Average Auto Insurance Rates
We found that Erie car insurance coverage costs about 28 percent cheaper than the national average. A full-coverage policy from Erie usually runs an average of $103 per month or $1,238 per year.
Erie Car Insurance | Average Monthly Cost | Average Annual Cost | |
---|---|---|---|
Full Coverage | $103 | $1,238 | |
Minimum Coverage | $38 | $459 |
Erie Insurance Cost For Teen Drivers
Car insurance typically costs a lot more for teen drivers than older drivers. Below is a table showing how much teen drivers pay for an Erie full-coverage policy on average.
Age | Erie Average Monthly Cost | Erie Average Annual Cost | |
---|---|---|---|
16 | $284 | $3,410 | |
17 | $261 | $3,137 | |
18 | $241 | $2,888 | |
19 | $212 | $2,549 |
Erie Insurance Cost For Other Driving Profiles
Speeding tickets and other violations can raise your insurance rates. Below, we take a look at the cost of Erie full-coverage car insurance for 35-year-old male drivers with recent speeding tickets, DUIs, or at-fault accidents.
Driver Profile | Erie Average Monthly Cost | Erie Average Annual Cost | National Average Annual Cost | |
---|---|---|---|---|
Recent speeding ticket | $129 | $1,549 | $2,313 | |
DUI | $194 | $2,326 | $3,277 | |
Recent accident | $153 | $1,832 | $2,689 |
Erie Car Insurance Discounts
In addition to being one of the cheaper car insurance companies available, Erie offers many ways to save money on your premium. Here are some of Erie’s discount opportunities:
Discount | Details | |
---|---|---|
Rate LockⓇ | Your rate is locked in even if you file a claim and only changes if you add a vehicle to the policy | |
Multi-policy discount | Available to those who have more than one Erie insurance product | |
Vehicle storage discount | Available to those who park or store their car for at least 90 consecutive days | |
Safety discount | Available to those who have safety features like anti-lock brakes and airbags installed in their car | |
Annual payment discount | Available to those who pay their premium in full and up front | |
Youthful driver discount | Available to young, unmarried drivers who live with their parents |
Erie Insurance Customer Reviews
Erie Insurance holds a 1.1-star rating out of 5.0 from customers on the BBB’s website. It fares a little better at Trustpilot, receiving an average rating of 2.9 out of 5.0 at Trustpilot. Like a lot of insurance companies, a tiny fraction of its customer base left reviews. In Erie’s case, there are just over 60 reviews total across both sites.
Positive reviews praise Erie’s customer service, while negative reviews mention poor communication.
#3 Nationwide
Founded: 1987
AM Best Rating: A+
BBB Rating: A+
Headquartered in Columbus, Ohio, Nationwide is a large insurer available to drivers in all 50 states. According to findings from the NAIC, Nationwide held 1.99 percent of the market share and wrote over $5.5 billion in insurance premiums in 2022.
Nationwide Insurance Pros And Cons
Here are some pros and cons for Nationwide Insurance.
Nationwide Average Annual Auto Insurance Rates
Based on our research, Nationwide is one of the cheapest companies in the nation. A full-coverage policy from Nationwide costs an average of $107 per month or $1,281 per year, about 26 percent less than the national average.
Nationwide Car Insurance | Average Monthly Cost | Average Annual Cost | |
---|---|---|---|
Full Coverage | $107 | $1,281 | |
Minimum Coverage | $51 | $613 |
Nationwide Insurance Cost For Teen Drivers
Young drivers often pay much more for auto coverage than those with more experience behind the wheel. Here is a table that shows average rates for drivers aged 16 through 19 insured by Nationwide.
Age | Nationwide Average Monthly Cost | Nationwide Average Annual Cost | |
---|---|---|---|
16 | $381 | $4,567 | |
17 | $353 | $4,238 | |
18 | $344 | $4,132 | |
19 | $296 | $3,552 |
Nationwide Insurance Cost For Other Driving Profiles
Traffic violations, whether an accident, speeding ticket, or other infraction, can cause your insurance rates to increase. In the table below, we look at how recent tickets, DUI convictions, or at-fault accidents affect the cost of a full-coverage Nationwide policy for a 35-year-old male driver.
Driver Profile | Nationwide Average Monthly Cost | Nationwide Average Annual Cost | National Average Annual Cost | |
---|---|---|---|---|
Recent speeding ticket | $138 | $1,656 | $2,313 | |
DUI | $239 | $2,867 | $3,277 | |
Recent accident | $172 | $2,063 | $2,689 |
Nationwide Car Insurance Discounts
In addition to Nationwide’s below-average car insurance rates, the company offers many discounts. These include:
Discount | Details | |
---|---|---|
Multi-policy | Available to those who bundle Nationwide car insurance with another insurance product | |
Defensive driving | Available to drivers over 55 who complete a state-approved defensive driving course | |
Safe driver | Available to drivers to who stay accident-free for at least five years | |
Anti-theft | Available to those who have installed anti-theft devices in their vehicle | |
Automatic payments | One-time discount available to those who set up automatic electronic payments | |
Good student | Available to student drivers aged 16 to 24 who maintain at least a “B” average |
Nationwide Insurance Customer Reviews
Nationwide holds an average rating of 1.1 stars out of 5.0 on the BBB and 1.8 out of 5.0 stars on Trustpilot. Though these ratings are low, only around 260 customers reviewed the company on the BBB. 22 left reviews on Trustpilot.
Positive Nationwide reviews mention attentive insurance agents. Negative reviews cite the inability to view policy details online.
#4 Country Financial
Founded: 1924
AM Best Rating: A+
BBB Rating: A+
Country Financial is an auto insurance company based in Bloomington, Illinois. According to the most recent NAIC study, Country Financial held 0.44 percent of the market share in 2022. The provider wrote over $1.2 billion in insurance premiums.
Though our research found that Country Financial offers some of the best cheap car insurance in the industry, its products are only available in 19 states.
Country Financial Pros And Cons
Here are a few pros and cons of Country Financial.
Country Financial Average Annual Auto Insurance Rates
Country Financial policyholders typically pay about 25 percent less than the national average. A full-coverage policy from the provider costs an average of $108 per month or $1,295 per year.
Country Financial Car Insurance | Average Monthly Cost | Average Annual Cost | |
---|---|---|---|
Full Coverage | $108 | $1,295 | |
Minimum Coverage | $39 | $467 |
Country Financial Insurance Cost For Teen Drivers
Our research found that Country Financial offers some of the lowest rates for young drivers, as shown by the table below.
Age | Country Financial Average Monthly Cost | Country Financial Average Annual Cost | |
---|---|---|---|
16 | $273 | $3,278 | |
17 | $240 | $2,885 | |
18 | $214 | $2,571 | |
19 | $277 | $3,327 |
Country Financial Insurance Cost For Other Driving Profiles
Any moving violation will increase your insurance rates, some more than others. The table below shows how much a full-coverage policy from Country Financial will cost on average for various infractions, based on the driver profile of a 35-year-old male.
Driver Profile | Country Financial Average Monthly Cost | Country Financial Average Annual Cost | National Average Annual Cost | |
---|---|---|---|---|
Recent speeding ticket | $132 | $1,578 | $2,313 | |
DUI | $153 | $1,837 | $3,277 | |
Recent accident | $140 | $1,681 | $2,689 |
Country Financial Car Insurance Discounts
Country Financial has a solid offering of discounts available to policyholders. These include:
Discount | Details | |
---|---|---|
Multi-policy discount | Available to those who combine Country Financial car coverage with another insurance product | |
Multi-car discount | Available to those who insure more than one car with Country Financial | |
Legacy discount | Available to drivers under 25 whose parents are insured with Country Financial | |
Engaged couple discount | Available to those getting married within a year | |
Good student/college graduate discount | Available to students who maintain at least a “B” average and to college graduates | |
Occupational discount | Available to K-12 teachers and first responders | |
Good driver discount | Available to drivers who remain accident and violation free for at least three years | |
Simply DriveⓇ discount | Available to new drivers who complete the Simply Drive course | |
Defensive driver discount | Available to those who complete a state-approved defensive driving course | |
Anti-theft discount | Available to drivers who install anti-theft devices in their vehicles | |
Advanced quote discount | Available to those who get a quote from Country Financial before their current policy expires |
Country Financial Customer Reviews
Though Country Financial has an A+ rating from the BBB, it doesn’t have any customer reviews on the site. On Trustpilot, the company has an average star rating of 2.9 out of 5.0. There are only two reviews on Trustpilot, neither of which have to do with the company’s auto insurance.
#5 Farmers
Founded: 1928
AM Best Rating: A
BBB Rating: A
Farmers is a large insurance company available nationwide. According to the most recent findings from the NAIC, Farmers held 4.55 percent of the market share in 2022. The company wrote just over $12.6 billion in insurance premiums.
Farmers Pros And Cons
Below are some pros and cons of Farmers Insurance.
Farmers Average Annual Auto Insurance Rates
Though Farmers offers affordable rates for car insurance, the company is a little on the more expensive side in our roundup of cheap car insurance companies. A full-coverage policy can cost an average of $178 per month or $2,140 per year, which is about 24 percent more expensive than the national average.
Farmers Car Insurance | Average Monthly Rate | Average Annual Cost | |
---|---|---|---|
Full Coverage | $178 | $2,140 | |
Minimum Coverage | $73 | $881 |
Farmers Insurance Cost For Teen Drivers
Car insurance for teenage drivers tends to be a lot more expensive than for drivers over 25. Young drivers insured through Farmers pay some of the highest insurance costs. The table below shows average costs for drivers ranging from age 16 to 19.
Age | Farmers Average Monthly Cost | Farmers Average Annual Cost | |
---|---|---|---|
16 | $1,036 | $12,429 | |
17 | $718 | $8,613 | |
18 | $664 | $7,965 | |
19 | $392 | $4,705 |
Farmers Insurance Cost For Other Driving Profiles
Having a ticket, accident, or DUI on your driving record can raise your insurance rates through the roof. Below is a table that shows full-coverage costs for 35-year old male drivers with Farmers policies who have a recent traffic violation.
Driver Profile | Farmers Average Monthly Cost | Farmers Average Annual Cost | National Average Annual Cost | |
---|---|---|---|---|
Recent speeding ticket | $256 | $3,071 | $2,313 | |
DUI | $272 | $3,260 | $3,277 | |
Recent accident | $297 | $3,567 | $2,689 |
Farmers Car Insurance Discounts
Farmers offers numerous opportunities for policyholders to save money. Car insurance discounts from Farmers include:
Discount | Details | |
---|---|---|
Good driver discount | Available to drivers who keep a clean driving record for a certain amount of time | |
Homeowner discount | Available to homeowners with Farmers car insurance | |
Multi-policy discount | Available to those who bundle Farmers car insurance with the company’s homeowners, life, or renters insurance | |
Multi-vehicle discount | Available to those who insure two or more vehicles with the company | |
Good student discount | Available to students who maintain good grades | |
Occupational discounts | Available to first responders | |
Senior defensive driving discount | Available to drivers over 55 who complete an AARP driving course | |
Alternative fuel discount | Available to those who drive hybrid or electric vehicles | |
Safety feature discount | Available to those who drive cars equipped with daytime running lights, airbags, and other safety features |
Farmers Customer Reviews
Farmers holds an A rating and accreditation from the BBB, but has low customer reviews. Customers on the BBB’s website give the company an average of 1.3 stars out of 5.0, while customers on Trustpilot give Farmers a slightly better average of 1.6 stars out of 5.0. However, it’s important to note that there are only around 300 reviews on the BBB and just over 70 on Trustpilot.
Average Cost Of Car Insurance
Based on data we received from Quadrant Information Services, a company that specializes in pricing analytics of property and casualty insurance providers, we found that the average cost of state minimum car insurance is $635 per year. A full-coverage insurance policy costs an average of $1,730 annually.
Factors That Affect Car Insurance Costs
While every provider will offer different rates for your car insurance policy, most use the same factors to calculate premiums. In general, how much your car insurance costs depends on the following:
- Age
- Gender
- Marital status
- City and state
- Vehicle model, age, and mileage
- Vehicle safety features
- Credit score
- Driving history
The cheapest car insurance premiums are typically offered to drivers over the age of 25 with a clean driving record and high credit score. Those who live in cities with lower theft and accident rates will also see cheaper premiums. State insurance regulations, including which coverage is required, can impact rates as well.
Common Car Insurance Discounts
The car insurance discounts you may qualify for differ from provider to provider, but there are some that are more common than others. Most standard auto insurance discounts fall into one of the following categories:
- Policy discounts: These are administrative discounts, meaning you can earn discounts by signing up for automatic bill pay, using electronic payments or paperless billing, and paying your premium in full.
- Vehicle: Many companies offer lower rates if you have anti-theft devices installed in your vehicle. These discounts may also include savings for safety features like anti-lock brakes, daytime running lights, and air bags.
- Driving profile: Good driver discounts are pretty common at most insurance companies. People with clean driving records can usually find savings. Most of these companies also usually offer low-mileage discounts available to those who don’t drive much.
- Usage-based: Usage-based insurance programs, also known as telematics insurance, provide savings for practicing safe driving habits. These programs use mobile apps, Bluetooth devices, and plug-in devices to track certain actions for a set period of time.
- Driver affiliations/status: Affiliation discounts include members of the military, corporate group members, and students away from home. Homeowners and renters can also get discounts from many companies by bundling auto policies and other insurance products.
Types Of Car Insurance Coverage
There are two main insurance policies you can purchase, state-minimum coverage or full coverage.
What Is Minimum Insurance?
Each state (except for Virginia and New Hampshire) requires drivers to hold a certain amount of auto insurance in order to legally drive. In many states, it means drivers must carry a certain amount of liability coverage, but not much more. Some states require some form of medical coverage and others require drivers to have uninsured motorist coverage.
What Is Full-Coverage Insurance?
There are six main types of car insurance that typically make up a full-coverage insurance policy. Though not required by state law, you may be required by your lender or lessor to carry a full-coverage policy for the life of the loan or lease.
Type of Coverage | Description | |
---|---|---|
Liability | Bodily injury liability insurance (BI) pays the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage liability insurance (PD) covers the damages to other drivers’ vehicles after an accident where you’re at fault. | |
Collision | Collision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard. | |
Comprehensive | Comprehensive coverage pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism. | |
Medical payments coverage (MedPay) | MedPay covers medical bills for you and your passengers after an accident. | |
Personal injury protection (PIP) | PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages. | |
Underinsured/uninsured motorist coverage (UM/UIM) | Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance. |
Additional Car Insurance Coverages
Aside from the main kinds of coverage, most insurers offer optional coverages you can add to your policy. These additional types of car insurance include:
- Roadside assistance: This coverage provides assistance for breakdowns on the road. It often includes towing, jump-starts, and lock-out assistance.
- Rental car reimbursement: If your car is in the shop, this coverage helps provide you with a rental car.
- Total loss protection: If your car is deemed a total loss after an accident where another driver is at fault, this coverage provides money to replace your vehicle.
- Gap insurance: This coverage helps you pay off your loan in the event that your car is totaled and your claims payout is less than your loan balance.
How To Shop For Car Insurance Quotes
You have a few options for sourcing auto insurance quotes. The fastest, typically most convenient option is to use a provider’s online quote tool. Most insurers offer instant quotes or comparison tools on their websites.
If you’d rather get a quote in person, you can contact an insurance agent or company representative. This method is usually a bit more time consuming, but if you have any questions, you can ask a person directly.
Here are some more details on how to shop for car insurance:
- Quote comparison tool: Quote comparison tools use information about you and your vehicle to let you compare multiple quotes from different providers at the same time. In our 2022 car insurance survey which polled 1,000 respondents, we found that 30 percent of respondents used a quote comparison tool. Among those surveyed, it was the most popular way to shop for car insurance.
- Quotes by phone: Calling an insurance provider directly can be of use in a couple of different ways. First, you’ll get a quote directly from the provider you’re researching. Second, you’ll get a sense of that provider’s customer service. Almost 21 percent of respondents to our survey called car insurance companies for a quote.
- Online quote: Most insurers offer free, instant quotes via their websites. You’ll input personal and vehicle information and the tool will calculate your quote within seconds. According to our survey, about 24 percent of the 1,000 respondents sourced quotes directly from providers.
- In-person quotes: If you work with a broker or a local insurance agent, you get in-person quotes. This tends to be a more time consuming process, as you’ll have to schedule an appointment and travel to the office during normal business hours. Close to 16 percent of respondents in our survey cited a preference for speaking with an insurance agent or broker when shopping for car insurance.
How To Get Cheap Car Insurance
No matter how much or how little you pay, it’s worth trying every method available to lower your premium. Below, we’ve compiled a few tips for lowering your car insurance rates.
Shop Around
If you think you’re paying too much, start looking to see if you could save money by switching to another insurance provider. You can cancel your insurance at any time. Some companies even offer discounts for switching.
Bundle Policies
If you have other insurance products like homeowners, life, or renters insurance, you may be able to get a discount by purchasing them from the same company as your auto coverage. Additionally, if you have more than one vehicle, most insurers offer a discount for having multiple cars on the same policy.
Ask About Discounts
Nearly all insurance companies offer at least a few discounts. Ask about which ones you may qualify for. In addition, many companies offer telematics insurance programs, which monitor driving habits and provide discounts for safe drivers.
Take A Defensive Driving Class
Every state offers defensive driving classes and some require insurers to provide discounts to drivers who complete the course. These are especially helpful for younger drivers, who pay the most for car insurance coverage.
Improve Your Credit Score
Unless you live in California, Hawaii, Maryland, Michigan, and Massachusetts, states that ban or significantly limit insurers’ use of credit scores to set rates, this is a good way to lower your premium. Pay all of your bills and debts on time and in full to bump your credit score up a few points.
Reassess Your Coverage
Whenever your life circumstances change, it’s a good idea to reassess your auto insurance policy and perhaps shop for a new one. Your current insurance provider may not offer the cheapest car insurance for your new situation.
Times to take another look at your insurance coverage include:
- Credit score changes
- Moving
- Getting married or divorced
- Buying a house
- Turning 25
Reduce Your Coverage
Every state except for Virginia and New Hampshire require you to carry state-minimum coverage in order to legally drive. We generally recommend most drivers purchase comprehensive and collision coverage as well, but if you’re looking to lower your insurance costs, you can drop extra coverage.
Cheapest Car Insurance: Conclusion
When looking for the cheapest auto insurance, we recommend sourcing quotes from USAA, Erie, Nationwide, Country Financial, or Farmers. In order to get the best rates, always compare a few different quotes. Once you decide on a provider, make sure you know what discounts you qualify for.
Cheapest Car Insurance: FAQ
What company has the cheapest car insurance?
Based on our research, USAA offers the cheapest car insurance available. However, since its products are only available to members of the military and their children, it may not be an option for everyone. If you’re not part of the military, you may be able to find the most affordable coverage from Erie, Nationwide, Country Financial, or Farmers.
How do you get cheap car insurance?
The best way to find cheap auto insurance coverage is to compare quotes from several providers. That way, you’ll get a sense of which company offers the best rates for the coverage you need.
At what age does car insurance get cheaper?
Young drivers usually pay the most for coverage, but rates tend to decrease after you turn 25. They will start to rise again after age 55.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.