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Auto insurance company reviews

If you’re not sure which car insurance company is the best fit for your coverage needs and budget, our expert reviews make it easy to compare options.

Headshot of Andrew Hurst
Headshot of Rachael Brennan

By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Updated|2 min read

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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

AAA

3.7 out of 5 ★

$2,134

Acuity

4.5 out of 5 ★

$1,526

Allstate

4.2 out of 5 ★

$2,055

American Family

4.3 out of 5 ★

$1,479

American National

4.5 out of 5 ★

$689

Amica

4.7 out of 5 ★

$1,574

Auto-Owners

4.7 out of 5 ★

$1,165

COUNTRY Financial

4.7 out of 5 ★

$1,416

Direct Auto

3.5 out of 5 ★

$2,351

Encompass

4.7 out of 5 ★

NA

Elephant

3.1 out of 5 ★

$1,812

Erie

4.9 out of 5 ★

$1,181

Farmers

4.4 out of 5 ★

$2,084

GEICO

4.7 out of 5 ★

$1,192

Germania

4.0 out of 5 ★

$1,341

Lemonade

2.9 out of 5 ★

$1,967

Liberty Mutual

4.1 out of 5 ★

$1,923

MAPFRE

4.6 out of 5 ★

$1,040

Mercury

3.3 out of 5 ★

$2,577

MetLife

NA

NA

National General

3.5 out of 5 ★

$1,898

Nationwide

4.3 out of 5 ★

$1,475

NJM

4.7 out of 5 ★

$1,262

Root

3.1 out of 5 ★

$916

Safeco

4.2 out of 5 ★

$1,405

State Auto

3.9 out of 5 ★

$1,987

State Farm

4.8 out of 5 ★

$1,141

Texas Farm Bureau

4.4 out of 5 ★

$1,041

The General

3.1 out of 5 ★

$3,131

Travelers

4.7 out of 5 ★

$1,351

USAA

5.0 out of 5 ★

$1,044

Wawanesa

3.8 out of 5 ★

$959

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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.

Authors

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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