If you’re unsure which car insurance company best suits your coverage needs and budget, our expert reviews provide an easy way to compare the top options. Explore detailed insights into pricing, customer service, discounts, and coverage to help you make an informed decision.
Drivers need car insurance, but choosing the right company can be challenging, especially when balancing factors like affordable rates, excellent customer service, or customizable coverage. To help you navigate your options, we’ve reviewed and rated the top car insurance companies in the country. Click on a company name for the full Policygenius expert review:
We’ve also compared a few of the top companies head-to-head:
- Amica vs. Safeco
- Amica vs. GEICO
- GEICO vs. Safeco
- Progressive vs. GEICO
- State Farm vs. GEICO
How We Rated Companies for Our Reviews
Price (35%): We evaluated each company’s average rate and discounts.
Financial Strength (25%): We considered A.M. Best Financial Strength Ratings, S&P credit ratings, and Moody’s credit ratings.
Customer Experience (20%): Companies were rated based on J.D. Power Auto Claims Satisfaction and Digital Experience surveys, as well as the National Association of Insurance Commissioners’ complaint index.
Coverage Options (20%): We rated companies based on the number and quality of coverage options, with more points given for less common endorsements.
After calculating raw values for each company, we converted them to z-scores and t-scores, standardizing them to a 5-point scale for each company’s overall rating.
How We Calculated Coverage Costs
- 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
These rates are samples, and your actual quotes may vary depending on your unique driver profil