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Looking for the best car insurance companies? American Family, Auto Owners, Nationwide and USAA should top your list. Each receives a 5-star rating in our best car insurance review based on key factors, such as coverages available, options and features, consumer complaints and average rates.

The best car insurance companies of November 2023

  • American Family: Best car insurance
  • Auto-Owners: Best for car insurance after accident
  • Nationwide: Best for collision and comprehensive coverage
  • USAA: Best car insurance for military 
  • Geico: Best for drivers looking for low-cost coverage
  • Travelers: Great for customers buying a new vehicle
  • Westfield: Best for family discounts

Why trust our car insurance experts

Our team of car insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 780 companies analyzed.
  • 7,800 rates reviewed.
  • 5 levels of fact-checking.

Top-rated car insurance companies of 2023

What is the best car insurance company?

Based on our analysis, the best auto insurance companies are American Family, Auto-Owners, Nationwide and USAA, each with a 5-star rating. USAA car insurance is only available to members of the military, veterans and their eligible family members.

All of these top-rated car insurance companies also hold a spot in at least one other best car insurance rating. Auto-Owners, Nationwide and USAA, for instance, all place in our ratings of the cheapest car insurance, best car insurance for teens and best car insurance for seniors.  

To find the best car insurance for you, shop around and compare car insurance quotes.

Best liability car insurance: Auto-Owners and USAA

The best cheap liability-only car insurance is sold by Auto-Owners and USAA.   

Auto-Owners has the cheapest liability-online coverage, with an average rate of $404 a year, though USAA only trails slightly behind with an average rate of $466 a year. 

Best liability-only car insurance companies 2023

Car insurance companyAverage annual car insurance costAverage monthly car insurance costLearn more
Auto-Owners$404$34Compare RatesCompare rates offered by participating partners
USAA$466$39Compare RatesCompare rates offered by participating partners
Westfield$507$42Compare RatesCompare rates offered by participating partners
Geico$510$43Compare RatesCompare rates offered by participating partners
Erie$513$43Compare RatesCompare rates offered by participating partners
Travelers$549$46Compare RatesCompare rates offered by participating partners

Best car insurance for seniors: Auto-Owners, Nationwide and Travelers

Auto-Owners, Nationwide and Travelers are all good car insurance companies for drivers aged 60 or older. Each insurer earns 5 stars in our best car insurance for seniors rating. 

Nationwide offers the cheapest rates for senior drivers out of the bunch, with an average rate of $1,397 per year, or $116 per month. If you’re looking for the cheapest car insurance for seniors, you may also want to consider USAA, which has an average rate of $1,551 per month.

Best senior car insurance companies 2023

Car insurance company Average annual car insurance rateAverage monthly car insurance rateLEARN MORE
Auto-Owners$1,775$148Compare RatesCompare rates offered by participating partners
Nationwide$1,397$116Compare RatesCompare rates offered by participating partners
Travelers$1,586$132Compare RatesCompare rates offered by participating partners
American Family$1,970$164Compare RatesCompare rates offered by participating partners
Erie$1,887$157Compare RatesCompare rates offered by participating partners
USAA$1,551$129Compare RatesCompare rates offered by participating partners
Westfield$2,057$171Compare RatesCompare rates offered by participating partners
Progressive$1,899$158Compare RatesCompare rates offered by participating partners

*Car insurance rates reflect the average of rates for men and women between ages 60 and 80.

Best car insurance for teens: American Family

The best car insurance company for teens is American Family. 

American Family policyholders who add a teen driver to their car insurance policy pay an average of $1,556 per year.  

Car insurance companyAnnual car insurance rateMonthly car insurance rateLEARN MORE
USAA$1,293$108Compare RatesCompare rates offered by participating partners
Erie$1,357$113Compare RatesCompare rates offered by participating partners
Geico$1,495$125Compare RatesCompare rates offered by participating partners
American Family$1,556$130Compare RatesCompare rates offered by participating partners
Nationwide$1,607$134Compare RatesCompare rates offered by participating partners
Auto-Owners$1,882$157Compare RatesCompare rates offered by participating partners

Did you know? Teen drivers are 4 times more likely to get in an accident than older drivers.

Best car insurance for drivers with a DUI: USAA and Progressive

A DUI will raise your rates, but if you’re shopping for the best cheap car insurance after a DUI, get quotes from USAA and Progressive. USAA has the cheapest average rates after a DUI ($2,751), but Progressive isn’t far behind ($2,776). 

Car insurance companyAnnual car insurance rateMonthly car insurance rateLEARN MORE
USAA$2,751$229Compare RatesCompare rates offered by participating partners
Progressive$2,776$231Compare RatesCompare rates offered by participating partners
American Family$2,983$249Compare RatesCompare rates offered by participating partners
State Farm$3,235$270Compare RatesCompare rates offered by participating partners

Best for lowest car insurance rates: USAA and Auto-Owners

If rates are the number one factor in your search for auto insurance, consider USAA and Auto-Owners. At $1,412 a year, USAA has the cheapest overall average rates for car insurance among the insurers we analyzed. 

If you’re not eligible for USAA coverage, get a quote from Auto-Owners, which has the second lowest rates among insurers in our best cheap car insurance rating. 

Car insurance companyAnnual car insurance rateMonthly car insurance rateLEARN MORE
USAA$1,412$118Compare RatesCompare rates offered by participating partners
Auto-Owners$1,628$136Compare RatesCompare rates offered by participating partners
Geico$1,716$143Compare RatesCompare rates offered by participating partners
Westfield$1,759$147Compare RatesCompare rates offered by participating partners
Travelers$1,852$154Compare RatesCompare rates offered by participating partners
Nationwide$2,041$170Compare RatesCompare rates offered by participating partners

Best home and auto insurance bundle: American Family, State Farm and USAA

American Family, State Farm and USAA are all great for bundling your auto and home insurance policies. 

Of the three, State Farm insurance offers the biggest discount for a home and auto bundle, with up to 18% off on your premiums. Nationwide and Auto-Owners also make our rating of the best home and auto bundles

Car insurance companyAverage bundling discountLEARN MORE
American Family18%Compare RatesCompare rates offered by participating partners
State Farm23%Compare RatesCompare rates offered by participating partners
USAA6%Compare RatesCompare rates offered by participating partners
Nationwide15%Compare RatesCompare rates offered by participating partners
Progressive7%Compare RatesCompare rates offered by participating partners
Auto-Owners10%Compare RatesCompare rates offered by participating partners