The 10 Best Car Insurance Companies (2025)

After an accident, State Farm's smooth claims process can help you get back on the road quickly. The company gets good customer satisfaction scores from J.D. Power and the NAIC.

One downside of State Farm is that some drivers need to call an agent to buy a policy after getting a quote online. This is especially true if you have a recent ticket or need to customize your policy.

Monthly State Farm car insurance quotes

A full coverage policy from NJM costs around $156 per month, which is $19 per month less than the national average.

In addition, a full coverage policy from NJM includes coverage features that most companies charge extra for. Full coverage from NJM comes with 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.

NJM has some of the best customer service in the industry. NJM gets 95% fewer complaints than similar insurance companies. It also has the highest score on J.D. Power's claims satisfaction survey. That means you can expect NJM to make your life easier after an accident.

Monthly NJM auto insurance rates

Full coverage from Erie costs around $115 per month, which is $60 per month less than the national average. Minimum coverage car insurance from Erie costs just $43 per month. That's $26 per month cheaper than average.

Erie also offers lots of ways for drivers to upgrade their coverage. You can add extra protection like gap insurance, new car replacement and windshield coverage for an additional fee.

It earned the third-highest score on J.D. Power's claims satisfaction survey. That means you can count on Erie to get you back on the road quickly after a crash.

Monthly Erie car insurance rates

Shelter customers automatically get:

Shelter also offers popular coverage add-ons, like rental reimbursement after an accident and gap insurance for cars with a loan or lease.

Shelter has excellent customer service reviews. So, you can expect a quick and easy claim process after a crash. It gets 73% fewer complaints than other insurance companies of a similar size.

However, drivers can typically find cheaper insurance elsewhere. At $171 per month, a full coverage policy from Shelter is just $4 less than the national average. That's before the cost of adding extra coverages, which will increase your monthly bills.

Monthly car insurance quotes from Shelter

A full coverage policy from Farm Bureau costs around $159 per month, which is $16 per month less than the national average. However, teen drivers can get a minimum coverage policy from Farm Bureau for just $143 per month. That's $80 per month less than average.

In addition, Farm Bureau has a few discounts geared toward teen drivers. Teens can save by taking Farm Bureau's young driver safety program and getting good grades in school.

That's especially helpful for young drivers, who are more likely to get in an accident.

However, you must join your local Farm Bureau group to buy a policy. You'll typically have to pay a membership fee of around $50 per year. Each state has its own chapter, so this fee may vary depending on where you live.

Monthly car insurance rates from Farm Bureau

It also has the best car insurance prices for families with teen drivers.

For example, young students can earn a discount of up to 20% by having a "B" average or better.

You can expect an excellent customer service experience with Auto-Owners. The company gets half as many complaints as competitors of a similar size.

The main drawback to Auto-Owners is that it's only available in some states. You'll also need to speak to an agent to get a quote.

Monthly Auto-Owners auto insurance rates

The MyAmFam app allows you to view your insurance card, make payments, request a change to your policy or file a claim. So you shouldn't have to contact American Family customer service often.

If you need additional help, you'll typically have a good experience with American Family's service. The company gets 65% fewer complaints than similar insurance companies. It also earned a good score on J.D. Power's claims satisfaction survey. That means you can count on AmFam to get your life back to normal quickly after a crash.

Full coverage from AmFam costs around $168 per month. While that's $7 per month less than the national average, most drivers can find cheaper coverage elsewhere.

However, American Family offers lots of discounts to help lower your car insurance bill. Some are very easy to earn, like its Steer into Savings and Early bird discounts.

Monthly car insurance rates from American Family

You can get a 10% discount when you sign up for the Nationwide SmartRide program. You'll set up an app or device that monitors your driving habits for four to six months. Then you can earn a permanent discount of up to 40%.

One benefit of SmartRide is that your rates won't go up if you get a bad driving score. This is only the case with some usage-based programs.

People who don't drive often can also save with Nationwide SmartMiles. With this program, you pay a monthly base rate plus a per-mile rate. This can save you money if you only drive a little.

However, Nationwide's rates can be expensive if you don't qualify for discounts. At $200 per month, full coverage insurance from Nationwide is $25 per month more expensive than the national average.

Monthly car insurance rates for Nationwide

Amica earned the second-highest score on J.D. Power's claims satisfaction survey. And it gets 25% fewer complaints than similar companies of its size.

Great customer support is as important as finding the cheapest rates. An insurance company with an easy claims process will help you get back to normal quickly after a crash. And you could spend less money on repairs.

But Amica's great service comes at a price. A full coverage policy from Amica costs around $232 per month. That's $57 per month more expensive than the national average. The company only offers a few discounts, which means most drivers can find cheaper coverage elsewhere.

Monthly car insurance quotes from Amica

A full coverage policy from USAA costs $110 per month, on average. That's $75 per month cheaper than the national average.

USAA offers many discounts for military drivers. If you keep your car in a garage on a military base, you can save 15% on comprehensive insurance. You can save up to 60% on car insurance if you keep your car in a secure location while deployed.

However, you must qualify for USAA membership to get a car insurance policy.

You can get USAA insurance if:

You can count on USAA to get your life back to normal quickly after a crash. It earned an excellent score on J.D. Power's claims satisfaction survey and gets an average number of complaints.

Monthly USAA rates