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Auto Insurance Companies: Lists, Reviews, and Rates.
We’ve done all the hard work for you and reviewed some of the biggest and best car insurance companies in the nation.
Compare Car Insurance Rates in Your Area
Car Insurance Company Reviews
Drivers in the US have a lot of options when it comes to car insurance. With hundreds of companies and coverage options it can be a bit overwhelming. We wanted to make things easier so we researched and reviewed some of the top companies around. Every company has pros and cons and offers different discounts to its customers. Cost is a big factor as well. As you can see, our in-house reporting has uncovered a wide range of average prices. Check out the information below and when you’re ready, you can compare quotes here.
Average Car Insurance Cost by Company
We collected coverage and price data from 0 of the biggest car insurance companies to see how they compare. We compiled data from . Using our in-house reporting, we were able to identify the average rate per month that these companies typically offer their customers. Keep in mind, this is just an estimate. Rates can vary drastically depending on your age, location, and driving history.
Best Car Insurance Companies
Cost is just one factor in determing the auto insurance coverage to purchase. We were curious how the best insurance companies ranked according to 3rd-party groups including BBB, A.M Best, NAIC, and Moody’s. Each of these organizations have their own criteria for ranking a company’s service and customer satisfaction.
The Better Business Bureau or (BBB) helps consumers find businesses and charities they can trust by issuing ratings and allowing customers to write reviews and file complaints.
The NAIC or National Association of Insurance Commissioners that help state insurance regulators implement best practices, standards and conduct peer reviews.
The Moody’s Corporation is a financial services company that assigns credit ratings to companies that measure the ability for the company to make back debt.
| Company | BBB Rating | NAIC Complaint Index | Moody's Rating |
|---|---|---|---|
| Allstate | A- | 1.03 | Aa3 |
| Farmers | A+ | 0.08 | A2 |
| State Farm | A | 2.58 | A |
| Travelers | A+ | 0.0 | Aa2 |
| Nationwide | A+ | 0.38 | A1 |
| American Family | A+ | 0.64 | A |
| Liberty Mutual | A- | 4.55 | A2 |
| USAA | B- | 1.01 | Aa1 |
Which Company has the Cheapest Car Insurance?
For many drivers the biggest determining factor comes down to price. Everyone wants good quality coverage that they can afford. We monitored thousands of quotes provided to customers from car insurance companies and identified the cheapest average rates. Below we have ranked the top rated companies in order from least to most expensive. Keep in mind, these are just averages and many factors determine the actual quote you will receive.
| Rank | Company | Avg monthly rate |
|---|---|---|
| 1 | American National P&C | $51.54 / month |
| 2 | American National P | $54.35 / month |
| 3 | Concord Group | $69.05 / month |
| 4 | Countryway Insurance | $76.71 / month |
| 5 | North Carolina Farm Bureau | $86.37 / month |
| 6 | Buckeye Insurance Group | $92.60 / month |
| 7 | Bear River | $92.64 / month |
| 8 | Pekin Insurance | $96.80 / month |
| 9 | MMG Insurance Company | $96.86 / month |
| 10 | Virginia Farm Bureau | $97.11 / month |
| 11 | Utica National Ins Group | $98.72 / month |
| 12 | Co-Operative Ins Companies | $100.90 / month |
| 13 | PEMCO | $101.02 / month |
| 14 | SECURA Insurance | $102.11 / month |
| 15 | General Casualty | $107.64 / month |
| 16 | Ohio Mutual Ins Group | $108.46 / month |
| 17 | IMT Insurance Company | $109.49 / month |
| 18 | Ameriprise Group | $109.67 / month |
| 19 | Clearcover | $109.67 / month |
| 20 | Partners Mutual Insurance Co | $109.91 / month |
| 21 | Indiana Farmers Mutual Ins | $111.24 / month |
| 22 | Farm Bureau of ID Group | $111.47 / month |
| 23 | Farm Bureau Mutual (IA Group) | $113.10 / month |
| 24 | Kentucky Farm Bureau | $115.13 / month |
| 25 | Farmers Mutual of Nebraska | $115.16 / month |
| 26 | EMC Insurance | $117.49 / month |
| 27 | West Bend Mutual | $119.46 / month |
| 28 | Mississippi Farm Bureau | $121.07 / month |
| 29 | New Jersey Manufacturers | $121.20 / month |
| 30 | USAA | $121.35 / month |
| 31 | Oregon Mutual | $122.71 / month |
| 32 | Peerless Insurance Company | $123.00 / month |
| 33 | GAINSCO Auto Insurance | $126.43 / month |
| 34 | Capital Insurance Group | $127.20 / month |
| 35 | Commerce Group Inc | $128.11 / month |
| 36 | Texas Farm Bureau Group | $128.78 / month |
| 37 | MO Farm Bureau Services | $130.54 / month |
| 38 | Safety Group | $132.60 / month |
| 39 | Nodak Mutual | $133.23 / month |
| 40 | Unigard | $133.71 / month |
| 41 | Tennessee Farmers | $133.92 / month |
| 42 | Direct Auto | $135.22 / month |
| 43 | Plymouth Rock Assurance | $135.42 / month |
| 44 | United Farm Bureau of IN Group | $135.91 / month |
| 45 | Titan | $136.03 / month |
| 46 | Auto-Owners Insurance Co | $136.03 / month |
| 47 | Patriot Group | $136.52 / month |
| 48 | Grinnell Mutual | $137.57 / month |
| 49 | Verti Insurance | $138.73 / month |
| 50 | Western Reserve | $139.12 / month |
| 51 | Erie | $139.34 / month |
| 52 | Rural Mutual Insurance | $140.66 / month |
| 53 | Norfolk and Dedham Group | $141.76 / month |
| 54 | Umialik Insurance | $141.99 / month |
| 55 | Penn National | $142.55 / month |
| 56 | Mutual Of Enumclaw | $143.67 / month |
| 57 | Southern Farm Bureau | $144.11 / month |
| 58 | Western National | $145.12 / month |
| 59 | Plymouth Rock | $145.68 / month |
| 60 | Georgia Farm Bureau | $151.22 / month |
| 61 | North Star | $153.59 / month |
| 62 | Columbia Insurance Group | $153.84 / month |
| 63 | Rockford Mutual Insurance | $156.16 / month |
| 64 | Country | $156.17 / month |
| 65 | Union Mutual Fire Group | $158.81 / month |
| 66 | State Farm | $160.83 / month |
| 67 | Oklahoma Farmers Union | $161.94 / month |
| 68 | ACCC Insurance Company | $164.56 / month |
| 69 | Hastings Mutual Insurance Co | $166.69 / month |
| 70 | American Family | $171.34 / month |
| 71 | Cincinnati Insurance | $172.69 / month |
| 72 | Cameron Mutual Group | $173.63 / month |
| 73 | ACE American Pool | $175.57 / month |
| 74 | Celina Insurance Group | $176.04 / month |
| 75 | Arbella Insurance Group | $176.64 / month |
| 76 | National General | $177.53 / month |
| 77 | Kemper Auto Premier | $178.25 / month |
| 78 | Travelers | $178.80 / month |
| 79 | First Chicago Insurance | $180.76 / month |
| 80 | Grange | $181.57 / month |
| Rank | Company | Avg monthly rate |
|---|---|---|
| 81 | California Capital | $184.68 / month |
| 82 | Westfield | $184.99 / month |
| 83 | Pure Companies Grp | $186.30 / month |
| 84 | SAFECO | $187.72 / month |
| 85 | Colorado Farm Bureau Mutual | $189.09 / month |
| 86 | Mercury Insurance | $189.78 / month |
| 87 | Acuity | $190.63 / month |
| 88 | Auto Club | $196.29 / month |
| 89 | Atlantic States Insurance | $197.73 / month |
| 90 | National Grange Mutual | $198.01 / month |
| 91 | Vermont Mutual | $198.10 / month |
| 92 | ALFA | $199.71 / month |
| 93 | National Farmers Union P&C | $200.08 / month |
| 94 | CSAA | $200.23 / month |
| 95 | Motorists Mutual | $201.59 / month |
| 96 | Farm Bureau Ins of MI | $203.09 / month |
| 97 | Kemper Premium | $205.61 / month |
| 98 | Quincy Mutual | $206.67 / month |
| 99 | 21st Century | $208.42 / month |
| 100 | Jupiter Auto Insurance | $211.05 / month |
| 101 | Hartford | $211.08 / month |
| 102 | National Farmers Union P | $211.77 / month |
| 103 | Grange Mutual | $212.78 / month |
| 104 | Nationwide | $212.86 / month |
| 105 | GMAC Insurance Group | $213.04 / month |
| 106 | Shelter | $214.13 / month |
| 107 | Oklahoma Farm Bureau | $216.69 / month |
| 108 | Alliance United | $217.11 / month |
| 109 | Frankenmuth Mutual | $218.39 / month |
| 110 | MEEMIC Insurance Company | $219.09 / month |
| 111 | Mercury | $220.30 / month |
| 112 | Hallmark Insurance Group | $222.73 / month |
| 113 | Chubb | $224.69 / month |
| 114 | Allied | $227.02 / month |
| 115 | Infinity Special | $228.39 / month |
| 116 | State Auto | $229.07 / month |
| 117 | Kemper Auto Premium | $229.85 / month |
| 118 | Workmen's Auto | $231.70 / month |
| 119 | Iowa Mutual | $234.36 / month |
| 120 | Allstate | $236.20 / month |
| 121 | Dairyland Scored | $236.87 / month |
| 122 | Pioneer State Mutual Ins Co | $240.99 / month |
| 123 | Dairyland | $243.50 / month |
| 124 | Republic Indemnity | $245.99 / month |
| 125 | Direct General Insurance | $248.18 / month |
| 126 | Esurance | $250.00 / month |
| 127 | Dairyland Realtime | $251.07 / month |
| 128 | Electric | $252.80 / month |
| 129 | Southern Ins Co of Virginia | $264.83 / month |
| 130 | Victoria | $265.34 / month |
| 131 | American Independent Ins Co | $270.64 / month |
| 132 | Donegal Mutual Insurance Co | $270.92 / month |
| 133 | Automobile Club of Missouri | $271.63 / month |
| 134 | Safeway | $272.23 / month |
| 135 | Safe Auto | $272.87 / month |
| 136 | Metropolitan | $275.64 / month |
| 137 | Farmers | $278.86 / month |
| 138 | Permanent General | $286.93 / month |
| 139 | Sentry | $287.79 / month |
| 140 | Mercury Insurance Company | $289.18 / month |
| 141 | Liberty Mutual | $291.14 / month |
| 142 | Unitrin | $303.39 / month |
| 143 | Wolverine Mutual | $305.08 / month |
| 144 | Auto Club Group | $309.44 / month |
| 145 | Bristol West | $312.35 / month |
| 146 | New York Central Mutual Fire | $323.44 / month |
| 147 | Encompass | $344.54 / month |
| 148 | Kemper Auto | Infinity | $356.14 / month |
| 149 | Tower Insurance Company of New York | $382.53 / month |
| 150 | United Automobile Ins Group | $386.61 / month |
| 151 | Dairyland Auto | $404.22 / month |
| 152 | Home State Ins Group | $408.95 / month |
| 153 | Allmerica | $417.90 / month |
| 154 | Maryland Auto Insurance Fund | $433.66 / month |
| 155 | AIG | $438.54 / month |
| 156 | Hanover | $463.24 / month |
| 157 | Loya Insurance | $486.95 / month |
| 158 | Central Mutual Insurance Co | $493.57 / month |
| 159 | Preferred Mutual | $533.84 / month |
| 160 | General Agents Group | $591.17 / month |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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