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Car insurance is a non-negotiable part of driving, and you probably already know the importance of finding the best auto insurance for your needs. But the best auto insurance companies will be different for every type of driver.
Whether you’re looking to save money, have an excellent customer experience, or personalize your coverage, the best company for you may depend on factors like age, driving record, military status, and ZIP code.
We’ve compiled this list of top insurance options to help you find the best auto insurance company for your specific circumstances.
Key Takeaways
- GEICO, Allstate, and State Farm are our top-rated insurers of 2024, but there’s not one company that’s best for every driver.
- The level of coverage you need can affect how much you pay for your auto insurance.
- People with DUIs, tickets, or accidents on their records will pay the highest auto insurance premiums — but several companies specialize in high-risk drivers.
Qoverd.com Best Car Insurance Companies of 2024
Just as no two drivers have the exact same driving history, no two insurance companies will be the best fit for every driver. Not only do some insurers specialize in certain types of drivers or coverage, but each driver’s unique circumstances can affect the quotes they receive from insurance companies.
The following 10 insurance companies are the best options for drivers in a variety of circumstances.
Insurance Company | Best For | Average Monthly Premium | Qoverd.com Rating |
|---|---|---|---|
| GEICO | Affordable coverage | $70 | 4.65 |
| Allstate | Discounts | $155 | 4.63 |
| State Farm | Drivers with DUIs | $86 | 4.30 |
| Progressive | Spotty driving records | $109 | 4.20 |
| SafeAuto | Bad credit | $136 | 4.15 |
| Hugo | Flexible coverage | $193 | 4.10 |
| Farmers | Personalized service | $154 | 4.08 |
| Travelers | Maximum coverage | $128 | 3.98 |
| Liberty Mutual | Basic coverage | $112 | 3.95 |
| The General | SR-22s | $187 | 3.95 |
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How we chose the best companies
Our team analyzed and scored each company based on criteria such as customer satisfaction, ease of use, availability, and industry reputation.
To calculate ratings, we chose the following 10 companies based on factors such as average rates and discounts, available coverage, customer satisfaction, and claims process.
GEICO: Best for Affordable Coverage
Qoverd.com Rating:4.65 out of 5
Average Monthly Premium:$70
- Wide variety of insurance products
- Affordable rates for high-risk drivers
- Highly rated mobile app
Pros
- Limited discounts
- Doesn’t offer gap insurance
- Few local agents
Cons
If you’re looking for lower rates, it may be a good idea to get a quote from GEICO, which offers the cheapest national average rates of any insurance company.
But the low cost may come with less satisfactory customer service. J.D. Power gives GEICO a customer satisfaction score of 874 (out of 1,000) — only one point above the industry average of 873. Additionally, the NAIC reports that GEICO has a company complaint index of 1.21, which is significantly higher than the national average of 1.0.
Read more:GEICO Auto Insurance Review
Allstate: Best for Discounts
Compare.com Rating:4.93 out of 5
Average Monthly Premium:$155
- Broad selection of coverage options
- Investment and retirement offerings
- Available in all 50 states
Pros
- Potential issues with Drivewise and Milewise mobile apps
- High volume of customer service complaints
- Reportedly slow, frustrating claims process
Cons
With 40 distinct discounts, Allstate offers drivers the most possible ways to lower their auto insurance premiums. Discounts include savings for purchasing multiple policies, driving a new car, being a good student, and going paperless.
Allstate also scored well in the J.D. Power customer satisfaction study, with a score of 889. Unfortunately, Allstate receives nearly two-and-a-half times the number of complaints compared to the industry average, with an NAIC complaint score of 2.42.
Read more: Allstate Auto Insurance Review
State Farm: Best for Drivers with DUIs
Compare.com Rating:4.90 out of 5
Average Monthly Premium: $86
- Among the best customer service satisfaction in the industry
- 24/7 claims service with large repair network
- Lots of available discounts
Pros
- High rates for high-risk drivers
- Limited coverage options
- More customer complaints than average
Cons
Drivers often find it difficult to find affordable insurance after a DUI conviction. But with an average monthly cost of $85, State Farm has the cheapest average liability policy rates for drivers with a DUI.
State Farm also has a higher-than-average J.D. Power customer service satisfaction rating, scoring 882 on a scale of 1,000. However, it has an NAIC complaint rating of 1.48, which is higher than the national average.
Read more: State Farm Auto Insurance Review
Progressive: Best for Spotty Driving Records
Compare.com Rating: 4.73 out of 5
Average Monthly Premium: $109
- Great discount programs
- Snapshot can save drivers as much as 30%
- 24/7 customer service and claims availability
Pros
- Higher rates that other large insurers
- Vague loyalty program requirements
- Snapshot mobile app issues
Cons
Having a less-than-perfect driving history can result in higher premiums. If you have traffic citations, accidents, or other moving violations on your driving record, you may want to get a quote from Progressive. This popular company used to specialize in non-standard policies for high-risk drivers, and Progressive still offers affordable rates for drivers with tickets, accidents, and DUIs.
Customer satisfaction with Progressive is below average, however, and the company scored an 861 with J.D. Power on that measure — significantly lower than the industry average of 873. The company also has a higher-than-average number of complaints, with an NAIC complaint rating of 1.46.
Read more: Progressive Auto Insurance Review
SafeAuto: Best for Bad Credit
Qoverd.com Rating: 4.15 out of 5
Average Monthly Premium: $136
- Affordable full-coverage rates
- Plenty of discounts
- Solid online tools and mobile app
Pros
- Higher-than-average number of customer complaints
- Actual discount amounts unknown
- Difficult-to-navigate website
Cons
With the exception of insurance companies in California, Hawaii, Massachusetts, and Michigan, auto insurers may use a driver’s credit score as a factor in determining premium rates. But SafeAuto is the best auto insurance company for drivers with bad credit because it offers some of the most affordable rates for drivers with “poor” credit (a FICO score of 600 or below). Such drivers pay an average of just $107 per month for liability policies.
SafeAuto isn’t ranked by J.D. Power, and consumers should be aware of SafeAuto’s complaint rating of 14.25 with the NAIC. This means the company receives more than 14 times as many complaints as the national average.
Read more: SafeAuto Insurance Review
Hugo: Best for Flexible Coverage
Qoverd.com Rating: 3.22 out of 5
Average Monthly Premium: $193
- Get coverage for as little as three days
- Turn coverage on and off as needed
- Same-day policies with no down payment
Pros
- No SR-22 insurance
- Higher rates for drivers with spotty records
- Full-coverage policies available only in IL and CA
Cons
Drivers who spend very little time behind the wheel can sometimes struggle to find the kind of coverage that fits their minimal needs. Hugo’s “Flex Plan” allows drivers to pay for as little as three days at a time and turn coverage on or off as needed, meaning you don’t have to pay for coverage you don’t need.
J.D. Power doesn’t currently rank Hugo, and the company is underwritten by Aspire General Insurance Company, which has an NAIC complaint index rating of 9.29. That said, Hugo is a relatively new company, first launching in 2021, so some early kinks are to be expected.
Read more: Hugo Insurance Review
Farmers: Best for Personalized Service
Qoverd.com Rating: 4.53 out of 5
Average Monthly Premium: $154
- Lots of coverage options
- Plenty of discounts and bundling opportunities
- Local agents
Pros
- Above-average premiums
- Telematics can raise rates
- Doesn’t offer coverage in all 50 states
Cons
Drivers looking to work with an insurance agent may want to check out Farmers. This company has a large network of local insurance agents, which means you can count on more personalized service than an online-only insurer can offer.
Farmers also boasts a higher-than-average customer service rating from J.D. Power, with a score of 882. This company also reports fewer complaints compared to the national average, according to the NAIC. Farmers has a complaint index score of 0.79, which means it has over 20% fewer complaints than average (and among the fewest of any company on this list).
Read more: Farmers Insurance Review
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