The top-rated car insurance companies of 2025
Travelers is the best auto insurance company for 2025 based on our analysis, followed by Nationwide and Geico. Companies were ranked on survey responses regarding their insurance experience, as well as rates, complaints recorded by the National Association of Insurance Commissioners (NAIC) and AM Best financial ratings.
Some big companies were not ranked because they do not provide rate information to our data partner, Quadrant. USAA was also not included in the rankings because it limits eligibility to military families.
| 2025 Rank | 2024 Rank | Company | Overall rating | Customer satisfaction rating |
|---|---|---|---|---|
| 2025 Rank: 1 | 2024 Rank: 1 | Comapny name: Travelers | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 2 | 2024 Rank: 2 | Comapny name: Nationwide | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 3 | 2024 Rank: 4 | Comapny name: Geico | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 4 | 2024 Rank: 3 | Comapny name: State Farm | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 5 | 2024 Rank: 5 | Comapny name: Progressive | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 6 | 2024 Rank: 6 | Comapny name: Amica | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 7 | 2024 Rank: 8 | Comapny name: Farmers | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: 8 | 2024 Rank: 7 | Comapny name: Allstate | Overall rating: | Customer satisfaction rating: |
| 2025 Rank: NR | 2024 Rank: NR | Comapny name: USAA* | Overall rating: | Customer satisfaction rating: |
The best car insurance companies of 2025
Based on our analysis of rates, third-party ratings, and a customer survey, these are the ten best auto insurance companies in 2025.
Travelers:4.64
Travelers took first place for 2025, with a score of 4.64 overall. The company’s car insurance rates are the second cheapest among ranked companies, and its customers were most likely to renew; 97% said they plan to.
An AM Best rating of A++ means Travelers is financially stable, and the company also boasts a low complaint ratio.
Read more about Travelers auto insurance
Nationwide:4.54
Nationwide earned the second-place spot for 2025, with the cheapest rates of all ranked companies. Current customers rated it best for online experience and auto and home bundling.
At 96.4%, Nationwide was the most recommended company in the survey, and 92.9% plan to renew.
Read more about Nationwide auto insurance
Geico: 4.50
Geico, one of the largest car insurance companies in the U.S., scored exactly 4.5 overall in our ranking, landing in third place for 2025. Known for low rates, Geico was the third cheapest among the companies we ranked.
Geico scored well for customer satisfaction, with nearly 90% (89.8%) saying they are satisfied. Of the customers surveyed, 93.3% said they plan to renew.
Read more about Geico auto insurance
State Farm: 4.35
State Farm’s score was 4.35 overall, which earned it fourth place for 2025. State Farm is the largest auto insurance company in the nation, has a solid financial foundation, and offers affordable rates. It didn’t top any category this year but did take second place for customer satisfaction, with 92.1% of customers saying they’re satisfied.
Read more about State Farm auto insurance
Progressive: 4.22
Progressive is among the biggest car insurance companies in the nation and ranked fifth among the top companies for auto insurance in 2025. The company offers affordable rates and scored well in the survey, with 92.7% of customers planning to renew their auto insurance policies.
Read more about Progressive auto insurance
Amica: 4.16
Amica finished sixth in 2025, with a score of 4.16. Amica consistently ranks at the top on J.D. Power’s rankings and has an excellent AM Best score of A+, making the company a solid pick for car insurance. It took first place for home insurance this year.
Read more about Amica auto insurance
Farmers: 3.81
Farmers earned a seventh-place spot among the best car insurance companies in 2025. Customers were particularly pleased with the way the company handles claims, with 93.8% saying they were satisfied, the best score of all companies.
Read more about Farmers auto insurance
Allstate: 3.75
Allstate scored 3.75 out of 5 stars overall and is No.8 among the best auto insurers. Current customers trust the company, with 90.7% agreeing it’s trustworthy, while 92.7% of customers plan to renew with Allstate.
Read more about Allstate auto insurance
The best regional car insurance companies
Our ranking included only national carriers to ensure a fair ranking of companies that compete with each other in the largest market. However, we did rate regional companies so that you can compare them against the larger options if they operate in your area. These regional insurers performed very well.
Erie: 4.62
Erie isn’t available in all states, but that didn’t stop it from earning top scores for customer satisfaction, ease of service and policy offerings. Its overall score is second only to the ranked winner, Travelers.
Read more about Erie auto insurance
Auto-Owners: 4.60
Auto-Owners boasts the highest possible AM Best grade of A++ and has a low complaint ratio. It doesn’t offer online quoting and is dedicated to selling policies through independent agents, which may be a con for those who prefer to shop for insurance online. Its overall score is just behind Erie at exactly 4.6 stars.
Read more about Auto-Owners auto insurance
American Family: 4.26
American Family was highly rated by customers for customer service and the ease of accessing services; customers also praised the digital experience.
Read more about American Family auto insurance
Best car insurance companies in each category
To rate the best in each category, we included all companies, even those not ranked due to a lack of rates or eligibility requirements. Here are the winners:
| Category | Company |
|---|---|
| Best for cheap rates | Nationwide |
| Best for customer satisfaction | Amica |
| Best for ease of service | Amica |
| Best for policy offerings | Amica |
| Best for claims handling | Farmers |
| Best digital experience | Nationwide |
| Best for discounts | Nationwide |
| Best for auto and home bundling | Nationwide |
| Most likely to be recommended to others | Nationwide |
| Best for claims service | Farmers |
How to choose a car insurance company
The right car insurance company for your needs won’t always be the same as the company someone else chooses. Rates and coverage options can differ, and even within one company, depending on factors like driving history and location.
To find the right car insurance company for your needs, take a few simple steps.
- Decide how much coverage you need. Start with what you have right now, and then consider what options you might want to add or remove and what coverage limits you need to fit your current situation.
- Request quotes. Make sure that all of your quotes are for the same coverage levels and have the same deductibles for a fair comparison.
- Compare companies. Look at more than the price. Make sure you look at the company’s reputation and also pay attention to any extras that the policy might include, like accident forgiveness, that can add value.
Once you have narrowed down your choices to the best and the cheapest, you might also want to look at bundling options before you buy.
Methodology
70+
Carriers reviewed
1,750
Consumers surveyed
60+
Insurance metrics examined
34,600
ZIP codes examined
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey.
Respondents were asked to name their auto insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Discounts offered
- Fair rate increases over time
- Insurance for young drivers/teenagers
- Insurance for college students
- Insurance for senior drivers
- Insurance for drivers with tickets or accidents
- Auto and home bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current auto insurance company
- I would recommend my auto insurance company to others
- I trust my auto insurance company
The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. and calculated a weighted average complaint index, weighted by the annual written premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods.. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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