List of reviews
Drivers need car insurance. But it can be hard knowing which company is right, especially if you’re not sure whether to look for cheap rates, great customer service, or the most customizable coverage.
To help you shop confidently, we rated and reviewed the top car insurance companies in the country. Click on a company name to read our full Policygenius expert review:
Company | Rating | Average yearly rate |
|---|---|---|
3.7 out of 5 ★ | $2,134 | |
4.5 out of 5 ★ | $1,526 | |
4.2 out of 5 ★ | $2,055 | |
4.3 out of 5 ★ | $1,479 | |
4.5 out of 5 ★ | $689 | |
4.7 out of 5 ★ | $1,574 | |
4.7 out of 5 ★ | $1,165 | |
4.7 out of 5 ★ | $1,416 | |
4.7 out of 5 ★ | NA | |
4.9 out of 5 ★ | $1,181 | |
4.4 out of 5 ★ | $2,084 | |
4.7 out of 5 ★ | $1,192 | |
4.0 out of 5 ★ | $1,341 | |
2.9 out of 5 ★ | $1,967 | |
4.1 out of 5 ★ | $1,923 | |
4.6 out of 5 ★ | $1,040 | |
3.3 out of 5 ★ | $2,577 | |
NA | NA | |
3.5 out of 5 ★ | $1,898 | |
4.3 out of 5 ★ | $1,475 | |
4.7 out of 5 ★ | $1,262 | |
3.1 out of 5 ★ | $916 | |
4.2 out of 5 ★ | $1,405 | |
3.9 out of 5 ★ | $1,987 | |
4.8 out of 5 ★ | $1,141 | |
4.4 out of 5 ★ | $1,041 | |
4.7 out of 5 ★ | $1,351 | |
5.0 out of 5 ★ | $1,044 | |
3.8 out of 5 ★ | $959 |
We’ve also compared a few of the top companies against each other directly:
How we rated companies for our reviews
Each of the reviews on Policygenius includes an overall rating between one and five stars. We calculated our expert ratings by considering cost, availability, customer experience and satisfaction, and coverage options. Our own agents, who have years of experience working with real car insurance shoppers, also weighed in.
Each category has weights we assigned to it based on relative importance. After we found the weighted average of these values for each company, we converted these raw scores to a “z-score” and then a “t-score,” which were then standardized on a 5-point scale.
To come up with our company ratings, we found data for each insurer’s price, financial strength, customer experience, and coverage options. Here’s how our ratings categories break down:
Price (35%): We gave each company a score based on its average rate and available discounts.
Financial strength (25%): We gave point values based on each company’s A.M. Best Financial Strength Rating, S&P credit rating, and Moody’s credit rating.
Customer experience (20%): We scored companies based on how they performed on the most recent J.D. Power Auto Claims Satisfaction and Digital Experience surveys. This category also considers a company's complaint index, which is provided by the National Association of Insurance Commissioners.
Coverage options (20%): We scored companies for the number of coverage types offered and the quality of these options. Less common endorsements earned higher scores compared to add-ons that most companies offer.
Next, we converted each company’s raw values to the same standardized “z-score” and “t-score.” Finally, using a weighted average formula, we combined each category rating and converted it to a 5-point scale to calculate each company's overall Policygenius rating.
How we calculated coverage cost
Evaluating and comparing costs across companies is an important part in our reviews process. We determine the average cost of a full-coverage car insurance policy from each company using rate data provided by Quadrant Information Services. When rate data wasn’t available, we used sample quotes.
These rates were from every ZIP code across every state, along with the District of Columbia for a 30-year-old male driver with a 2017 Toyota Camry. Our sample full-coverage policy included the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
