The 10 Best Car Insurance Companies (2026)

American Family has the cheapest full coverage and minimum liability rates among large insurance companies. It's also very affordable for drivers with a speeding ticket or poor credit score.

However, teen drivers and people with a DUI can typically find better rates elsewhere.

American Family has lots of auto insurance coverage add-ons for you to customize your policy.

But the company is expensive for home and renters insurance, so it might not be a good deal for bundling.

NJM's car insurance is cheap for most drivers.

However, it's not the cheapest choice if you're shopping for a minimum liability policy.

Full coverage from NJM includes extra coverage that most companies charge for.

NJM's full coverage policy includes new car replacement and rental car reimbursement after an accident. It also helps pay your pet's medical bills if they're in the car during a crash.

Erie has cheap rates for almost everyone.

Erie's full coverage costs around $154 per month for a good driver, which is a savings of $54 per month compared to the national average. If you want a basic policy, minimum coverage from Erie costs an average of $53 per month.

Erie offers lots of ways to upgrade your coverage .

Erie also has good home and renter's insurance, so it's great for bundling. The downside is you'll need to buy and manage your policies through an agent.

Amica has expensive car insurance for most drivers.

When getting a quote, answer all the questions about potential discounts so you don't pay more than you need to. There are discounts for your car's safety features, how you pay and more.

Amica has lots of ways to customize your coverage and helpful online tools.

This makes it a great choice if you want flexible coverage that's easy to use.

Shelter's car insurance rates are affordable, but it's not typically the cheapest option.

However, a full coverage policy includes coverage that most companies charge extra for, such as roadside assistance. So it may be worth paying a bit more for a policy from Shelter.

Full coverage from Shelter automatically includes roadside assistance and new car replacement coverage.

This means you'll get added protection that other companies charge you extra for. You can also add on extras such as rental reimbursement after an accident and gap insurance for cars with a loan or lease.

State Farm has affordable rates for almost everyone, except if you have poor credit.

Drivers with poor credit should choose Erie or Nationwide, which are much cheaper than State Farm.

State Farm is one of the best companies for bundling because it's great for both car and home insurance.

But if you want lots of extra protection, choose Shelter instead of State Farm.

Auto-Owners has cheap rates for teenagers, and is typically very affordable for adult drivers, too.

However, Auto-Owners isn't a great choice for drivers with poor credit.

Auto-Owners is good if you want extra coverage options and to work with an independent agent.

However, it's not good if you want to manage your policy online because you'll have to work with your agent for most things.

Most drivers will save money with Geico car insurance because of its affordable rates and many discounts.

Geico typically isn't as cheap as many other companies, including American Family or Erie. But drivers with poor credit can find a great deal at Geico.

Geico is good if you want a standard policy, but it doesn't offer many options for upgrading your coverage.

You can't get add-ons like new car replacement or gap insurance.

Nationwide's rates tend to be expensive, but coverage could be affordable if you can get lots of discounts.

With Nationwide, you can save money for getting your bill by email, being a safe driver, having an anti-theft system in your car, getting a policy where you pay per mile and more.

For example, you can save an average of 22% by signing up for Nationwide SmartRide and practicing safe driving habits.

Nationwide has all the coverage options you'd expect from a large insurance company.

If you want even more options for customizing your coverage, get a quote from Shelter, which offers some unique add-ons and is usually cheaper.

USAA has the best rates and discounts for military members, veterans and their families.

Plus, it has military-specific discounts like savings for storing your car on a military base.

Only military members and families are eligible for USAA car insurance.

If you're eligible, USAA has great coverage options, and it even offers auto loans if you're buying a new or used car. But USAA's quote process tends to take longer than other major companies.