Best Car Insurance Companies of 2025

If you're looking for the best auto insurance options, we've done the research for you. These companies excel in coverage, affordability, and customer service.

Travelers offers a full spectrum of auto insurance, from standard coverage to specialized options like new car replacement and gap insurance, particularly beneficial for those with recent car purchases. They also provide numerous discount opportunities. If you drive a new car, Travelers is worth considering.

For budget-conscious drivers, Auto-Owners leads the pack. Our analysis reveals their average annual rate for minimum coverage is just $447, making them the most affordable among our top-rated car insurance companies. But Auto-Owners offers more than just low prices; they also provide a comprehensive range of coverage options and valuable bundling discounts.

USAA is the leading auto insurer for military members, veterans, and their families, offering low rates, comprehensive financial services, and high customer satisfaction. Benefits include discounts for on-base vehicle storage. Because of its exclusive membership, USAA's ratings were not directly compared with the general market.

Nationwide is known for offering a wide array of discounts, which can significantly reduce premiums. This includes discounts for safe driving, bundling policies (like home and auto), and participation in their usage-based programs. SmartRide rewards safe driving habits, while SmartMiles caters to low-mileage drivers.