The best auto insurance quote In 2025 will depend on a driver’s specific needs, including the minimum liability coverage required in their state and whether they want additional protection. In addition to price, a company’s customer service and claims experience should also be considered. This unbiased guide from The Zebra will help drivers find the right provider.
Progressive
Progressive is synonymous with innovation in the car insurance market, but it also writes various other personal lines policies, including those for homeowners. It sells its products directly to consumers and through independent agents.
It considers a lot of information when quoting, including age, marital status, driving record and credit rating. In addition, the type of vehicle and state of residence can significantly impact rates. For example, drivers in Vermont pay the lowest auto insurance rates, while those in South Dakota, Louisiana and Texas pay the most.
Progressive’s naming policy, Name Your Price, offers a real-time interactive experience that shows shoppers changes to their prices and coverage options in the blink of an eye. This is made possible by a series of back-end programming updates that speed up communications between the product system, which has information on coverage options and the quoting application.
Founded in 1937 by Jack Green and Joseph Lewis, the company is now one of the largest auto insurers in the United States, writing more than 13 million auto policies each year. It is best known for its forward-thinking approach to the insurance industry, pioneering things like drive-in claims service and allowing customers to pay premiums in instalments. In addition to auto insurance, Progressive also offers commercial auto and homeowner’s insurance.
Geico
Geico has some of the lowest liability-only rates in the country, and it also offers a lot of discounts. Its auto policies also include several valuable coverages, such as emergency road service, rental reimbursement and mechanical breakdown insurance. Its claims handling is highly rated, and it has an impressive amount of money in its reserves to pay out on any covered claim. However, its customer satisfaction scores are not lower than those of other companies.
Geico is a popular choice among drivers who want a company with a reputation for excellent customer service and affordability. It has an easy-to-use mobile app and convenient online tools for comparing quotes, managing policy details and filing claims. Berkshire Hathaway, a large investor renowned for its financial stability and corporate responsibility, owns the company.
Insurify’s data shows that Geico’s average full-coverage rate is the lowest among national insurance companies that sell in all 50 states. Only State Farm, USAA (only available to military families) and a few regional insurers have cheaper average rates. Geico is known for its catchy ads featuring the animated gecko, voiced by actor Jake Wood. The company’s slogan is “You can count on us.” It has an A+ rating from AM Best and an impressive market share in the automotive industry.
Nationwide
Nationwide is a large auto insurer offering car insurance with below-average rates. It provides various coverage options, including liability protection that meets state minimum requirements, collision and comprehensive, uninsured motorist and personal injury protection. It also includes roadside assistance and accident forgiveness, among other policy extras. The company has earned high financial strength and credit ratings from AM Best, which indicates it can pay out claims reliably in the event of a catastrophe.
Nationwide also offers SmartRide and SmartMiles, usage-based insurance policies that adjust rates based on your driving habits. These programs are available through the company’s app, and customers rave about their ease of use and affordability. In addition to telematics, Nationwide offers several other discounts, such as saving 5% when you bundle coverage with home or renters insurance.
The company scored below average in customer satisfaction in the J.D. Power 2022 U.S. Insurance Shopping Study, though it was above average in two regions. According to three years’ worth of data from the National Association of Insurance Commissioners, it also has fewer than the expected number of complaints to state regulators for a company of its size. The company also ranked highly in ValuePenguin’s analysis of company complaint index scores, which considers how many complaints an insurer receives relative to its size.
State Farm
State Farm has a long list of discounts and runs a couple of programs to help you save based on your driving habits. It also has many policy options beyond liability coverage, including car rental reimbursement, roadside assistance, and medical payments. The company offers policies in most states and is one of the few that provides a comprehensive coverage option for classic cars. However, State Farm’s customer satisfaction ratings have fallen in recent years. Our editors reviewed perspectives on the insurer across Reddit’s personal finance forums. While many customers reported frustrating claims experiences, others praised low rates and great local agents as reasons to keep their policies.
Like other major auto insurance companies, State Farm considers your credit report when determining your rate. But it’s not the only factor; it doesn’t impact your rate less than other companies (for example, USAA).
Another way to help lower your rate is to bundle your auto insurance with other products, such as home or life. This is called multi-line discounting. It can save you up to 20 per cent, and it’s a popular option among consumers.
