{"id":323979,"date":"2025-11-14T05:30:56","date_gmt":"2025-11-14T10:30:56","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=187342"},"modified":"2025-11-14T08:56:26","modified_gmt":"2025-11-14T13:56:26","slug":"best","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best\/","title":{"rendered":"The Best Car Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Best Car Insurance Companies of 2022\"><\/span>\n    \n\n\n<p>After reviewing current 2025 pricing benchmarks, satisfaction studies and complaint data, we found seven car insurance companies that remain strong options nationwide: Amica, Erie, Geico, Progressive, State Farm, Travelers and USAA. These carriers maintain robust AM Best financial strength ratings and offer broad discount programs (including telematics\/usage\u2011based options) and customizable coverages. Because rates vary widely by state and driver profile in 2025, comparing multiple quotes is essential to find your best price and fit. For current averages and methodology, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate\u2019s 2025 update<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet\u2019s 2025 study<\/a>.<\/p>\n\n\n\n<p>In 2025, national full\u2011coverage averages generally range from about $2,600\u2013$2,800 per year depending on the study, with <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a> around $2,776 (~$231\/month) and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet<\/a> around $2,590\u2013$2,600 (~$216\/month). Minimum\u2011coverage averages are roughly $640\u2013$720 per year (~$54\u2013$60\/month). The <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI \u201cmotor vehicle insurance\u201d index<\/a> continued to show double\u2011digit year\u2011over\u2011year increases into 2025 before moderating later in the year, reflecting elevated claim costs and rate pressure across the market. High\u2011cost states this year commonly include Florida, Louisiana, Nevada, New York and Michigan, while Maine, Vermont, Idaho, New Hampshire and Ohio are among the least expensive on average, per 2025 state tables from these sources and corroborated by <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra\u2019s State of Auto Insurance 2025<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 7 Best Car Insurance Companies<\/h2>\n\n\n\n<p>To identify the seven best car insurance companies in 2025, we combined national\/state cost research from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet<\/a>, customer\u2011experience benchmarks from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a>, regulator\u2011filed complaint indices via the <a href=\"https:\/\/eapps.naic.org\/cis\/\">NAIC Consumer Information Source<\/a>, and financial strength from <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a>. Depending on the features and price you prioritize and your state, a different carrier may be your best fit.<\/p>\n\n\n\n<ul>\n<li><a href=\"#amica\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Amica<\/strong><\/a><strong>: <\/strong>Best for Customer Service<\/li>\n\n\n\n<li><a href=\"#erie\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Erie<\/strong><\/a><strong>:<\/strong> Best for Robust Coverage<\/li>\n\n\n\n<li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Geico<\/strong><\/a><strong>:<\/strong> Best for Digital Tools<\/li>\n\n\n\n<li><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Progressive<\/strong><\/a><strong>: <\/strong>Best for Discounts<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>: <\/strong>Best for Local Agents<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Travelers<\/strong><\/a><strong>: <\/strong>Best for Personalized Coverage<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>:<\/strong> Best for Military-Centric Options<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Auto Insurance Companies<\/h2>\n\n\n\n<p>We used current 2025 cost research, satisfaction benchmarks, complaint indices, and financial\u2011strength ratings to populate the comparison points below. Premiums vary significantly by state and driver profile; use the links provided to review the latest 2025 state averages and regional satisfaction results for your location.<\/p>\n\n\n\t\t\n<section id=\"block_624f191d915ad\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Minimum Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Full Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength Score\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Claims Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Amica<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 regional results<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 regional results<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 regional results<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 regional results<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 regional results<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 regional results<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_624f191d915ad-7\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='7'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies by state (see 2025)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not ranked**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025.<\/em><\/p>\n\n\n\n<p><em>* Premium averages vary by state and profile. For 2025 state tables and methodology, see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet<\/a>.<\/em><\/p>\n\n\n\n<p><em>** J.D. Power results are reported on a 1,000\u2011point scale at the regional level in the annual U.S. Auto Insurance Study; see the latest <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">study<\/a>. USAA is not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"amica\" title=\"Best for Customer Service\"><\/span>\n    \n\n                                                \n\n\n<section id=\"amica\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Amica<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Amica remains a service standout. Independent benchmarks in 2025 continue to show strong customer satisfaction where it operates, and the company offers dividend policies and helpful coverage add\u2011ons. If you value claims experience and responsive support, Amica merits a quote.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325308-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 regional results**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Amica remains a service standout. Independent benchmarks in 2025 continue to show strong customer satisfaction where it operates, and the company offers dividend policies and helpful coverage add\u2011ons. If you value claims experience and responsive support, Amica merits a quote.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High third\u2011party satisfaction in many regions; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2025 U.S. Auto Insurance Study<\/a><\/li>\n                            <li>Offers dividend policies<\/li>\n                            <li>Solid digital service with human support; complaints searchable via <a href=\"https:\/\/eapps.naic.org\/cis\/\" target=\"_blank\" rel=\"noopener\">NAIC CIS<\/a><\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not available nationwide<\/li>\n                                    <li>AM Best financial strength is strong but not the very top tier (A++ is higher)<\/li>\n                                    <li>Limited physical office locations compared with large captive\u2011agent brands<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Renters<\/li>\n<li>Flood<\/li>\n<li>Marine<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Homeownership<\/li>\n<li>Young driver training<\/li>\n<li>Accident free<\/li>\n<li>Telematics\/UBI program (availability varies) \u2014 review data use and any surcharge rules via <a href=\"https:\/\/content.naic.org\/cipr-topics\/usage-based-insurance\" target=\"_blank\" rel=\"noopener\">NAIC guidance<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Best for Robust Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"erie\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Erie<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Robust Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie is known for rich coverage options and strong service where available. In recent satisfaction studies, Erie frequently ranks at or near the top in the regions it serves, making it a good pick if claims experience and optional endorsements are a priority.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=343300-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 regional results**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie is known for rich coverage options and strong service where available. In recent satisfaction studies, Erie frequently ranks at or near the top in the regions it serves, making it a good pick if claims experience and optional endorsements are a priority.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Consistently strong satisfaction in operating regions; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2025<\/a><\/li>\n                            <li>Numerous optional coverages and endorsements<\/li>\n                            <li>Local\/agent support; verify complaint trends via <a href=\"https:\/\/eapps.naic.org\/cis\/\" target=\"_blank\" rel=\"noopener\">NAIC CIS<\/a><\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited state availability<\/li>\n                                    <li>AM Best strength solid but below A++ tier<\/li>\n                                    <li>Digital tools vary; compare app and web features if you prioritize self\u2011service<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Collector car<\/li>\n<li>Condo<\/li>\n<li>Life<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Safe driving<\/li>\n<li>Car safety features<\/li>\n<li>Reduced usage\/low mileage<\/li>\n<li>Annual payment plan<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Digital Tools\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Digital Tools<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico emphasizes app\u2011first service and broad self\u2011service features, including the DriveEasy telematics program in many states. If you prefer managing policies and claims digitally, Geico\u2019s tools and national footprint make it a strong contender.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 regional results**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico emphasizes app\u2011first service and broad self\u2011service features, including the DriveEasy telematics program in many states. If you prefer managing policies and claims digitally, Geico\u2019s tools and national footprint make it a strong contender.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Digital\u2011first experience with strong app and self\u2011service features; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-digital-experience-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2025 Digital Experience<\/a><\/li>\n                            <li>Extensive discount list, including telematics in many states<\/li>\n                            <li>Superior AM Best financial strength rating<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Satisfaction varies by region; compare local results in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2025<\/a><\/li>\n                                    <li>Customization is lighter than some competitors with broader endorsement menus<\/li>\n                                    <li>Primarily direct\u2011to\u2011consumer; fewer local agents for in\u2011person support<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Renters<\/li>\n<li>Motorcycle\/ATV<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Emergency deployment<\/li>\n<li>Federal employee<\/li>\n<li>Military<\/li>\n<li>Good student<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"progressive\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive is known for broad discounting and its Snapshot telematics program, which can personalize pricing based on driving behavior. Robust digital tools and flexible underwriting can help a range of profiles, including some higher\u2011risk drivers, find coverage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 regional results**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive is known for broad discounting and its Snapshot telematics program, which can personalize pricing based on driving behavior. Robust digital tools and flexible underwriting can help a range of profiles, including some higher\u2011risk drivers, find coverage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Plenty of discounts and Snapshot telematics option (program design varies by state; discounts vs. potential surcharges \u2014 review details)<\/li>\n                            <li>Robust digital tools for quoting, policy service and claims<\/li>\n                            <li>Often competitive for drivers with non\u2011standard histories<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Satisfaction results differ by region; verify current standing in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2025<\/a><\/li>\n                                    <li>Financial strength is strong (A+) but not A++<\/li>\n                                    <li>Review complaint trends by state in <a href=\"https:\/\/eapps.naic.org\/cis\/\" rel=\"noopener\" target=\"_blank\">NAIC CIS<\/a> before buying<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Life<\/li>\n<li>Boat<\/li>\n<li>Renters<\/li>\n<li>Condo<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Continuous insurance<\/li>\n<li>Snapshot telematics program<\/li>\n<li>Online quote<\/li>\n<li>Sign online<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Agents\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agents<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm combines extensive local agent support with nationwide availability and a widely adopted telematics program (Drive Safe &amp; Save). If you prefer in\u2011person guidance alongside modern digital tools, State Farm is a reliable choice.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 regional results**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm combines extensive local agent support with nationwide availability and a widely adopted telematics program (Drive Safe &amp; Save). If you prefer in\u2011person guidance alongside modern digital tools, State Farm is a reliable choice.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Superior AM Best financial strength<\/li>\n                            <li>Strong agent network plus digital service; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-digital-experience-study\" rel=\"noopener\" target=\"_blank\">2025 Digital Experience<\/a><\/li>\n                            <li>Drive Safe &amp; Save telematics available in many states<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer built\u2011in policy add\u2011ons than some competitors with larger endorsement menus<\/li>\n                                    <li>Complaint experience can vary by state; review <a href=\"https:\/\/eapps.naic.org\/cis\/\" rel=\"noopener\" target=\"_blank\">NAIC CIS<\/a> for current indices<\/li>\n                                    <li>Digital satisfaction varies by segment and region; compare recent results<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Motorcycle<\/li>\n<li>Motorhome<\/li>\n<li>Business<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Steer Clear<\/li>\n<li>Drive Safe &amp; Save<\/li>\n<li>Good student<\/li>\n<li>Student away at school<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Personalized Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Personalized Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers a wide menu of optional endorsements (e.g., new car replacement, loan\/lease gap, OEM parts in some states) and an IntelliDrive telematics program. If tailoring coverages matters, Travelers\u2019 breadth is a differentiator.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325153-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 regional results**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers offers a wide menu of optional endorsements (e.g., new car replacement, loan\/lease gap, OEM parts in some states) and an IntelliDrive telematics program. If tailoring coverages matters, Travelers\u2019 breadth is a differentiator.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong endorsement set for tailoring coverage<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                            <li>IntelliDrive telematics available; check program terms and discount structure<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Satisfaction and digital experience vary by region and segment; compare latest studies<\/li>\n                                    <li>Pricing competitiveness is market\u2011dependent; shop multiple quotes<\/li>\n                                    <li>Review complaint trends in <a href=\"https:\/\/eapps.naic.org\/cis\/\" rel=\"noopener\" target=\"_blank\">NAIC CIS<\/a> (varies by state)<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Boat<\/li>\n<li>Wedding &amp; event<\/li>\n<li>Travel<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Homeownership<\/li>\n<li>Hybrid\/electric car (where available)<\/li>\n<li>New car<\/li>\n<li>Early quote<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA serves active military, veterans and eligible family members. It frequently posts top\u2011tier satisfaction among eligible customers, though it is not officially ranked by J.D. Power. SafePilot telematics may offer additional savings potential for good driving.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Varies by state (see 2025 averages)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not ranked**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA serves active military, veterans and eligible family members. It frequently posts top\u2011tier satisfaction among eligible customers, though it is not officially ranked by J.D. Power. SafePilot telematics may offer additional savings potential for good driving.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Eligibility\u2011based carrier often posting high customer satisfaction among members; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"noopener\" target=\"_blank\">J.D. Power 2025<\/a><\/li>\n                            <li>Superior AM Best financial strength score<\/li>\n                            <li>Telematics option (SafePilot) available in many states<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to active\/retired military members and eligible families<\/li>\n                                    <li>Few branch locations<\/li>\n                                    <li>Coverage endorsements can be more limited than feature\u2011rich competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Landlord<\/li>\n<li>Antique car<\/li>\n<li>Aviation<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Clean driving record<\/li>\n<li>Good student<\/li>\n<li>Military installation<\/li>\n<li>Deployment<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Premium averages: see 2025 state datasets at <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet<\/a>.<\/em><\/p>\n\n\n\n<p><em>** Satisfaction results are regional in J.D. Power\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Auto Insurance Study<\/a> and may vary by state. USAA is not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"need-to-know\" title=\"What You Need to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance: What You Need to Know<\/h2>\n\n\n\n<p>Auto insurance protects you financially after crashes or other covered events. <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iii.org\/automobile-financial-responsibility-laws-by-state\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Almost every state<\/a> requires proof of financial responsibility, typically via liability insurance. Recent legal updates worth noting in 2025: <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472\/\" target=\"_blank\" rel=\"noreferrer noopener\">Virginia\u2019s minimum liability limits increase to 50\/100\/25 for policies issued or renewed on or after January 1, 2025<\/a> and the state eliminated the option to drive uninsured by repealing the Uninsured Motor Vehicle fee effective July 1, 2024 (see <a href=\"https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter6\/section46.2-706\/\" target=\"_blank\" rel=\"noreferrer noopener\">Code \u00a746.2\u2011706<\/a>), and <a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=202120220SB1107\" target=\"_blank\" rel=\"noreferrer noopener\">California increased minimum liability limits<\/a> effective January 1, 2025 (with a further scheduled increase in 2027). Coverage you buy can address injuries and damage you cause, your own vehicle damage (comprehensive\/collision), and extras like rental reimbursement or roadside assistance.<\/p>\n\n\n\n<p>Rates are personalized based on your vehicle, garaging ZIP code, mileage, age, credit where allowed, and prior claims\/violations. Premiums are elevated in 2025 compared with 2022; the <a href=\"https:\/\/www.bls.gov\/cpi\/\" target=\"_blank\" rel=\"noreferrer noopener\">CPI \u201cmotor vehicle insurance\u201d index<\/a> ran at double\u2011digit year\u2011over\u2011year increases into 2025 before showing signs of moderation later in the year. To save without underinsuring, consider bundling home and auto, compare at least 3\u20135 quotes (including a regional mutual if available), and evaluate a telematics trial if your driving is low\u2011risk. See consumer guidance from the <a href=\"https:\/\/content.naic.org\/consumer\/auto-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">NAIC<\/a> and the <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-auto-insurance-premium\" target=\"_blank\" rel=\"noreferrer noopener\">Insurance Information Institute<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Factors that may affect your car insurance premiums<\/h3>\n\n\n<div id=\"block_624f21d791631\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Vehicle<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>The type of vehicle you drive strongly influences premium. Expensive or hard\u2011to\u2011repair models raise claim severity; advanced safety can help. Confirm how your insurer settles parts (OEM vs. aftermarket) and glass claims, and ask about new\u2011car replacement or gap coverage where relevant.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f21f491632\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Driving record<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Clean records are rewarded; at\u2011fault crashes and major violations raise rates for several years. If your record isn\u2019t spotless, some companies specialize in higher\u2011risk tiers and offer telematics to potentially offset surcharges (confirm whether the program is discount\u2011only or can increase premiums).<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f221291633\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Coverage<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Choosing higher liability limits and adding comprehensive\/collision increases cost but better protects assets. Experts commonly target at least 100\/300\/100 or higher with matching UM\/UIM when available, then tailor deductibles to your budget. See <a href=\"https:\/\/content.naic.org\/consumer\/auto-insurance\" target=\"_blank\" rel=\"noopener\">NAIC auto insurance basics<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f223091634\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Credit score<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>A <a href=\"https:\/\/content.naic.org\/article\/consumer_insight_creditbased_insurance_scores_arent_same_credit_score_understand_how_credit_and_other_factors.htm\" target=\"_blank\" rel=\"noopener\">credit\u2011based insurance score<\/a> (where allowed) can affect rates; lower scores generally raise premiums. <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/which-states-prohibit-or-restrict-the-use-of-credit-based-insurance-scores\/\" target=\"_blank\" rel=\"noopener\">Some states restrict or ban credit use<\/a> in rating.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_691734f7c6577\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f226691636\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Gender<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>In most states, men tend to pay higher premiums than women due to an increased likelihood of <a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/males-and-females\" target=\"_blank\" rel=\"noopener\">risky driving habits<\/a>, though some states prohibit using gender as a rating factor.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f228291637\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Age<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Younger drivers have higher crash risk; rates typically improve with experience and a clean record. The CDC notes ages 16\u201319 carry the <a href=\"https:\/\/www.cdc.gov\/transportationsafety\/teen_drivers\/teendrivers_factsheet.html\" target=\"_blank\" rel=\"noopener\">highest crash risk<\/a>. In Hawaii and Massachusetts, age is restricted as a rating factor.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"how-to\" title=\"How to Get Cheap Car Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How to Get Cheap Car Insurance<\/h2>\n\n\n<div id=\"block_624f22c991639\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Discounts<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Most insurers offer multiple ways to save. In 2024\u20132025, two of the biggest levers remain bundling and usage\u2011based insurance (UBI) telematics \u2014 often paired with safe\u2011driver, low\u2011mileage, and vehicle\u2011safety credits.<\/p>\n<p>High\u2011value options to ask about:<\/p>\n<ul>\n<li>Bundle auto + home\/renters (compare net savings both bundled and unbundled)<\/li>\n<li>Telematics\/UBI participation credits and ongoing safe\u2011driving discounts (confirm if the program is discount\u2011only or can add surcharges) \u2014 see <a href=\"https:\/\/content.naic.org\/cipr-topics\/usage-based-insurance\" target=\"_blank\" rel=\"noopener\">NAIC UBI guidance<\/a><\/li>\n<li>Low mileage verification (photos or telematics)<\/li>\n<li>Defensive driver\/driver training (state\u2011approved courses)<\/li>\n<li>Good student and student\u2011away\u2011at\u2011school<\/li>\n<li>Pay\u2011in\u2011full, EFT\/autopay, and paperless billing<\/li>\n<\/ul>\n<p>For more ways to reduce premiums without sacrificing protection, see the <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-auto-insurance-premium\" target=\"_blank\" rel=\"noopener\">Insurance Information Institute\u2019s tips<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f23009163a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Quote shopping<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Obtain at least 3\u20135 quotes using the same coverages and limits. Include a regional mutual (e.g., Erie, Auto\u2011Owners, NJM) if available in your state \u2014 these often score highly on claims satisfaction. Consider a telematics trial period to preview potential savings before committing long\u2011term. See <a href=\"https:\/\/content.naic.org\/consumer\/auto-insurance\" target=\"_blank\" rel=\"noopener\">NAIC\u2019s consumer guidance<\/a> for shopping tips.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f231d9163b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Bundle home and auto<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Bundling is still one of the largest recurring discounts, but incentives vary by state and filing. Ask your agent to quote both bundled and separate policies so you can compare the blended premium. Re\u2011check at each renewal, since pricing can shift with new rate filings. See <a href=\"https:\/\/www.iii.org\/article\/how-to-lower-your-auto-insurance-premium\" target=\"_blank\" rel=\"noopener\">III\u2019s savings guidance<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"compare-rates\" title=\"Compare Car Insurance Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Car Insurance Rates in the U.S.<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Average Annual Full Coverage Premium<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium<\/strong><\/td><\/tr><tr><td>Use the latest 2025 state averages<\/td><td><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\" target=\"_blank\" rel=\"noopener\">See Bankrate\u2019s 2025 table<\/a><\/td><td><a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\" target=\"_blank\" rel=\"noopener\">See NerdWallet\u2019s 2025 table<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>2025 state averages are available from major studies such as <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet<\/a>. For national context, Bankrate estimates roughly $2,776 per year for full coverage (about $644 for minimum), while NerdWallet puts full coverage around $2,590\u2013$2,600 and minimum around $680\u2013$720. These sources provide full\u2011coverage and minimum\u2011coverage figures plus methodology details.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently asked questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n<div id=\"block_624f23929163e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which is the best auto insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">\u201cBest\u201d depends on your location and needs. For claims experience and service, regional mutuals such as Amica and Erie often score highly in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noopener\">2025 J.D. Power study<\/a>. For nationwide availability and broad agent access, State Farm remains a strong option. Always layer price with service and <a href=\"https:\/\/eapps.naic.org\/cis\/\" target=\"_blank\" rel=\"noopener\">NAIC complaint indices<\/a> to get a complete view.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f23a19163f\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How can I find the best price on car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Shop at least 3\u20135 quotes using identical limits and deductibles, including a regional mutual if available. Ask each carrier for a telematics trial to estimate potential savings and verify whether the program can add surcharges. Compare bundled vs. unbundled pricing for home + auto and review each company\u2019s discounts and digital tools. For current cost context, see the 2025 national and state averages from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\" target=\"_blank\" rel=\"noopener\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\" target=\"_blank\" rel=\"noopener\">NerdWallet<\/a>.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_624f23b891640\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find cheaper car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Maintain a clean driving record, verify all discounts (bundle, telematics, low mileage, good student), and right\u2011size deductibles. Shop at each renewal \u2014 2025 averages are higher than in 2022 and relative competitiveness shifts with rate filings. Use <a href=\"https:\/\/eapps.naic.org\/cis\/\" target=\"_blank\" rel=\"noopener\">NAIC complaint indices<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noopener\">J.D. Power regional satisfaction<\/a> to balance price with service.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com evaluates insurers across affordability, customer support, coverage options, third\u2011party satisfaction, complaint performance and online resources. For this 2025 update, our editorial team referenced national and state cost studies from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-cost\">NerdWallet<\/a>, triangulated trends with <a href=\"https:\/\/www.thezebra.com\/research\/state-of-auto-insurance\/\">The Zebra\u2019s State of Auto Insurance 2025<\/a>, complaint indices from the <a href=\"https:\/\/eapps.naic.org\/cis\/\">NAIC Consumer Information Source<\/a>, customer experience benchmarks from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a>, and financial strength from <a href=\"https:\/\/www.ambest.com\/ratings\/guide.html\">AM Best<\/a>. We also considered 2025 inflation context from the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a> and digital experience trends from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-digital-experience-study\">J.D. Power\u2019s Insurance Digital Experience Study<\/a>.<\/p>\n\n\n\n<p>When citing average pricing, we relied on 2025 studies that publish statewide minimum\u2011 and full\u2011coverage averages using standardized driver\/vehicle assumptions. Bankrate\u2019s methodology draws on Quadrant Information Services data and pegs the national average for full coverage at about $2,776 per year (about $644 for minimum), while NerdWallet publishes comparable national and state averages of roughly $2,590\u2013$2,600 for full coverage and about $680\u2013$720 for minimum, with profile details. \u201cFull coverage\u201d definitions and driver profiles vary by source, so we present source\u2011consistent figures and direct readers to each 2025 dataset for exact state numbers.<\/p>\n\n\n\n<ul>\n<li>$100,000 bodily injury liability per person<\/li>\n\n\n\n<li>$300,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$50,000 property damage liability per accident<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$500 collision deductible<\/li>\n\n\n\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n\n\n\n<p>To determine minimum coverage limits, sources use each state\u2019s requirements. Our base driver profile references a commonly used mid\u2011age driver commuting about 12,000 miles annually. These are sample benchmarks for comparison; your individual premium will differ based on rating factors, state rules and selected coverages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After reviewing current 2025 pricing benchmarks, satisfaction studies and complaint data, we found seven car insurance companies that remain strong options nationwide: Amica, Erie, Geico, Progressive, State Farm, Travelers and USAA. These carriers maintain robust AM Best financial strength ratings and offer broad discount programs (including telematics\/usage\u2011based options) and customizable coverages. Because rates vary widely [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361502,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[29125],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The 7 Best Car Insurance Companies 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"The best car insurance companies were reviewed through customer satisfaction, coverage, and more. Compare the best auto insurance and get a quote.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Car Insurance for 2021 | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Our car insurance review compares the companies that will come through when you need it with broad protections for you and your vehicle.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-14T13:56:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/11\/Auto-Insurance-3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Best Car Insurance for 2021 | Reviews.com\" \/>\n<meta name=\"twitter:description\" content=\"Our car insurance review compares the companies that will come through when you need it with broad protections for you and your vehicle.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/11\/Auto-Insurance-3.jpg\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/car\/best\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Car\",\"item\":\"https:\/\/www.reviews.com\/insurance\/car\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Car Insurance Companies of 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The 7 Best Car Insurance Companies 2025 | Reviews.com","description":"The best car insurance companies were reviewed through customer satisfaction, coverage, and more. 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