The Best Car Insurance Companies of 2025
An expert guide to the top auto insurance companies of this year.
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
When you shop for car insurance, you want to be assured that you'll find not only affordability, but also quality. You want your coverage to come from a reliable carrier you can count on if you ever need to file a claim. An insurance company that will answer the phone and respond to your questions and concerns in a timely manner.
If you're still in need of auto insurance, a local independent insurance agent can help you find the best coverage in your area. But you can start by using our guide to this year's six top car insurance companies. We compared each carrier carefully, considering important factors such as financial strength, official ratings, customer feedback, and premium rates. You can shop with confidence at any of the following auto insurance companies.
The 6 Best Car Insurance Companies of 2025
Who sells the best car insurance? We're here to help you find the answer to that question. We ranked our top 6 best auto insurance companies in 2025 based on several criteria.
Determining the best auto insurance depends on a carrier's customer satisfaction, policy options, and much more. Find our rankings for the best car insurance companies across several specific categories below.
- Best Car Insurance Company Overall: Travelers
- Best Car Insurance Company for Military Members and Their Families: USAA
- Best Car Insurance Company for Customer Satisfaction: American Family
- Best Car Insurance Company for Affordability: Auto-Owners
- Best Car Insurance Company for Discounts: Nationwide
- Best Car Insurance Company for Claims Satisfaction: Erie Insurance
Best Car Insurance Company Overall: Travelers Car Insurance
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Our choice for the best car insurance company overall is Travelers car insurance. Travelers was the only company in our rankings to earn a perfect score in the car, home, and business insurance categories, easily securing the top spot. Travelers has one of the best websites in the industry, a spectacular reputation for customer service, and rock-solid financial strength.
The carrier even has an "A++" financial strength rating from AM Best, the highest possible ranking. The carrier also works exclusively with independent insurance agents, which helps customers have the best experience possible. Travelers also has a lot of positive customer feedback, offers numerous discounts and endorsements, and is known for having affordable premium rates.
Travelers was founded in 1853, making it one of the oldest companies on this list. It's also one of the largest: They offer insurance in four countries, work with a team of more than 15,000 independent agents and brokers, and have over 30,000 employees dedicated to serving you.
Best Car Insurance Company for Military Members and Their Families: USAA Car Insurance
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Our choice for the best car insurance company for military members and their families is USAA car insurance. In fact, USAA would've earned our top "overall" pick if the carrier's coverage were available to all customers. However, USAA ranks high on our list thanks in part to its century-long standing in the insurance industry.
The carrier's financial strength is also remarkable. A few years ago, USAA's net worth surpassed $35 billion. AM Best also awards them the highest possible rating of "A++" in terms of financial strength and stability.
USAA also consistently has high ratings in terms of customer service. The carrier's original focus was auto insurance, so it has had ample time to perfect coverage in that department.
USAA offers all the standard auto insurance coverages customers may need, including comprehensive, collision, liability, and uninsured motorist. There are several discounts available for car insurance through USAA.
Since 1922, USSA has offered auto insurance, but the carrier has since greatly expanded, now offering a variety of coverage solutions, including homeowners insurance, umbrella insurance, health insurance, and more.
Best Car Insurance Company for Customer Satisfaction: American Family Car Insurance
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Our choice for the best car insurance company for customer satisfaction is American Family car insurance. American Family has been rated "A" or "excellent" by both AM Best and the Better Business Bureau (BBB). In addition to the standard car insurance coverages, American Family also provides gap coverage, rental reimbursement coverage, emergency road service coverage, and accidental death and dismemberment coverage.
American Family offers multiple discounts on its car insurance as well, including up to 23% savings on both policies for customers who bundle their auto coverage with home insurance. The carrier also boasts excellent customer feedback and 24/7 claims service.
The insurance company's roots in the insurance industry date back to 1927, giving it almost a century of experience. With its many coverage options and excellent feedback and ratings, American Family is certainly a top-choice carrier for many types of customers.
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Best Car Insurance Company for Affordability: Auto-Owners Car Insurance
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Our choice for the best car insurance company for affordability is Auto-Owners car insurance. Of all the car insurance companies we compared, Auto-Owners had the lowest average annual rates for auto insurance. In fact, a minimum coverage policy from Auto-Owners will cost you just $447 annually, on average.
Auto-Owners also helps keep its rates low by offering a multitude of excellent discounts, including bundling with one of its many other coverages. The carrier also has the highest possible financial strength rating of "A++" from AM Best. Customer feedback is largely positive, as well.
Founded in 1916, Auto-Owners has been in the industry for well over a century. Thanks to its low rates, discounts, and solid financial strength, Auto-Owners delivers affordable and reliable auto insurance to customers in need.
Best Car Insurance Company for Discounts: Nationwide Car Insurance
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Our choice for the best car insurance company for discounts is Nationwide car insurance. Nationwide's superior online services, size, stability, and choice to work with independent insurance agents pushed it close to the top of our rankings. Nationwide is especially good if you’re looking for car insurance discounts, with potential savings clearly spelled out on the official website.
Advertised discounts include those for good students and for completing defensive driving courses. The carrier's size and range of products allow you to mix and match coverage for maximum discounts and benefits for you. Nationwide also has consistently solid financial strength and is rated "A+" by AM Best.
If you or your family speaks Spanish as a first language, Nationwide is one of the only insurers on this list that offers a fully bilingual website. That makes it easier to get covered and file a claim, especially in the aftermath of an accident.
Founded in 1926, Nationwide's history in the insurance industry has nearly surpassed the century mark. The carrier's longstanding reputation for delivering affordable and reliable coverage makes it an excellent option for auto insurance customers.
Best Car Insurance Company for Claims Satisfaction: Erie Car Insurance
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Our choice for the best car insurance company for claims satisfaction is Erie Insurance car insurance. Erie ranks high on our list because of the truly spectacular service, access, and stability that it offers customers. The carrier has an exceptional "A+" rating from A.M. Best, making it a safe choice for your car insurance. Erie has also received high levels of positive customer satisfaction reports, particularly in terms of claims handling.
The carrier's website is also particularly impressive. In addition to offering online quotes, Erie's services for existing customers are easy to find, including 24/7 claims reporting, a car repair shop locator, and online payments. The carrier also has extensive evening and weekend customer service hours. Additionally, since Erie offers a wide variety of insurance products, it's a great choice if you’re looking to bundle multiple types of insurance at a discount.
Erie Insurance was founded in 1925 with the explicit mission of providing great customer service to Pennsylvanians. Today, Erie is a Fortune 500 company offering car, life, business, and home insurance through thousands of independent agents nationwide.
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Our independent agents shop around to find you the best coverage.
How to Choose the Best Car Insurance Company & Policy
When it comes to finding the best car insurance, you'll ultimately want to select a carrier that's reliable and will deliver on its coverage promises to you. Evaluate a car insurance company based on more criteria than just its rates and available discounts. For starters, you'll want to examine their official ratings and customer review history critically.
If you're asking, "What's the best car insurance near me?", begin by comparing these factors about carriers first:
Premium rates
Of course, the cost of your coverage will be important to your budget. Browse multiple car insurance companies and compare different premium rates before making your choice. An independent insurance agent can actually do this work for you.
Official ratings
You should ideally check a car insurance company's official ratings, such as through websites like AM Best and the Better Business Bureau, before buying from them. These organizations can provide helpful insight as to whether a carrier has successfully maintained good relations with its customer base and more.
Customer reviews
Read customer reviews of a car insurance company as well, before you commit to buying a policy from them. You can find customer reviews and complaints online through many different sources, including your state insurance commissioner's website.
Company size
Don't just look at the options provided by major car insurance companies that you've heard of or seen commercials for. Looking into smaller, local car insurance companies can often provide you with more affordable rate options.
Current options
You'll want to shop for car insurance every few years, to be sure that you're getting the best of current rates and coverage options. Especially if you have any violations or accidents on your record, be sure to browse your car insurance options every three to five years so you can get the best rates.
How We Select the Best Car Insurance Companies
We evaluated car insurance companies based on several criteria and applied a calculated methodology to develop our list of top carriers across several categories. Dozens of car insurance carriers were evaluated in terms of pros and cons, including overall website, coverage options, discounts and benefits, coverage rates, online quote availability, financial strength, and history in the insurance industry. An assessment of combined carrier reputation and car insurance options and prices was conducted to craft our list of top picks for providers in every category above.
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Our independent agents shop around to find you the best coverage.
The Benefits of an Independent Insurance Agent
Independent insurance agents are here for you. They are not bound by any specific company, so they can help you find the right car insurance, no matter what carrier provides it. Your agent knows which car insurance companies have the best reputation in your area, and they're free to shop and compare quotes for policies that will deliver you the right coverage at an affordable rate.
FAQs About the Best Car Insurance Companies of 2025
Before you head off on your hunt for the best car insurance for you, check out our answers to some of the most commonly asked questions about car insurance and the best carriers around.
Our best car insurance review revealed that the most reliable automobile insurance is offered by Travelers car insurance. Travelers offers excellent customer service, an "A++" rating from AM Best, and ongoing solid financial strength. Travelers is the only car insurance company on our list to score a perfect rating in the car, home, and business insurance categories.
USAA car insurance has been recently rated as the car insurance company with the highest rate of claims and customer satisfaction for military members and their families. USAA puts its customers first and has a positive track record of reviews to prove it. The carrier allows customers to file claims at any time through multiple mediums, including online or over the phone, and offers a highly user-friendly mobile app as well.
Our extensive review of multiple top-rated car insurance carriers found Travelers car insurance to be the number one car insurance company. Not only does Travelers have an extensive history in the industry, dating back to 1853, but it also offers many different coverage options for drivers, including rideshare coverage, new car replacement coverage, gap coverage, and accident forgiveness.
These coverages are not offered by every car insurance company, but Travelers allows its customers to personalize policies in a way that works best for them, all while offering superior service and claims satisfaction ratings.
When your insurance agent or company sends over your proof of insurance, you’re probably not thinking much about this policy number. But it's important to be familiar with your car insurance policy number in case you need it when communicating with your carrier.
Your car insurance company uses this unique number to identify your account and policy in case you need to file a claim or make updates to your coverage. If you're unfamiliar with how to locate yours, talk with your independent insurance agent, who can help review your auto insurance policy with you.
Our research determined that American Family is the best car insurance company for customer satisfaction this year. The carrier has an excellent rating by both A.M. Best and the BBB, in addition to its large volume of positive customer feedback. It's no surprise that American Family keeps its customers happy, especially when considering the carrier's outstanding discount options and 24/7 claims reporting services.
https://www.iii.org/article/what-auto-insurance
https://www.thezebra.com/insurance-companies/best-car-insurance-companies/
https://www.nerdwallet.com/article/insurance/best-car-insurance-companies