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Our team analyzed rates from 30+ insurers, surveyed 5,000+ policyholders, and compared claims experiences - so you can get the right coverage without overpaying.
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Our Top Picks
Hand-picked by our expert team after extensive testing.
GEICO
GEICO consistently offers some of the lowest rates in the industry for clean-record drivers. With a fully digital experience, 24/7 claims support, and an average savings of $500+ when switching, it's the top choice for most drivers looking to cut costs without sacrificing coverage.
Pros
- +Among the cheapest rates for clean-record drivers in most states
- +Excellent mobile app with digital ID cards, claims, and roadside assistance
- +Broad discount menu including multi-vehicle, good student, and military
- +Strong financial stability - A+ AM Best rating with 90+ years in business
Cons
- −No local agent network - everything is phone or online
- −Customer satisfaction scores slightly below State Farm and USAA
- −Discounts for bundling home insurance are less competitive than State Farm
State Farm
The largest auto insurer in the U.S. with over 19,000 local agents. State Farm shines for drivers who want a personal relationship with their agent, excellent bundling discounts, and top-tier claims satisfaction. Rates are competitive but not always the cheapest.
Pros
- +Largest agent network in the country for in-person help
- +Top-rated claims experience - #1 in J.D. Power satisfaction
- +Best bundling discounts when combining auto, home, and life insurance
- +Drive Safe & Save program can cut rates up to 30% for safe drivers
Cons
- −Base rates are higher than GEICO and Progressive for many profiles
- −Fewer online self-service options compared to digital-first insurers
- −Telematics discount requires consistent safe driving tracking
Progressive
Progressive is the go-to insurer for drivers with accidents, tickets, DUIs, or SR-22 requirements. They're more willing to insure high-risk profiles than most competitors, and their Snapshot telematics program rewards good driving with significant discounts.
Pros
- +Best rates for drivers with accidents, tickets, or DUIs on record
- +Snapshot program rewards safe driving with real savings up to 30%
- +Unique comparison tool shows competitor rates during quoting
- +Flexible Name Your Price tool helps fit coverage to any budget
Cons
- −Rates for clean-record drivers are often higher than GEICO or State Farm
- −Claims satisfaction is average - not as highly rated as State Farm or USAA
- −Snapshot program requires sharing driving data via app or plug-in device
Latest Resources
Guides, tips, and industry insights from our editorial team.
How to Choose the Best Car Insurance in 2026: The Complete Decision Framework
After analyzing rates from 30+ insurers and surveying 5,000 drivers, we built a step-by-step framework that matches you with the right insurer based on your profile, budget, and priorities.
The Real Cost of Car Insurance in 2026: Average Rates by Age, State, and Driving Record
We analyzed rate data from every major insurer to reveal what Americans actually pay - broken down by every factor that affects your premium.
15 Proven Ways to Lower Your Car Insurance Premium Without Cutting Coverage
You don't have to sacrifice coverage to save money. These 15 strategies have helped our readers save an average of $500+ per year on car insurance.
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