The Best Options in 2026 - Tested by Experts
Our team spent thousands of hours researching and testing to bring you this definitive ranking. Updated monthly.
Quick Comparison
| Rank | Provider | Rating | Pricing | Best For | |
|---|---|---|---|---|---|
| #1 | GEICO Editor's Choice | 4.8 | From ~$50/mo | Excellent | Visit Site → |
| #2 | State Farm Best for Bundling | 4.7 | From ~$55/mo | Excellent | Visit Site → |
| #3 | Progressive Best for High-Risk | 4.5 | From ~$60/mo | Very Good | Visit Site → |
| #4 | USAA Best for Military | 4.7 | From ~$45/mo | Excellent | Visit Site → |
| #5 | Liberty Mutual Best Coverage Options | 4.3 | From ~$65/mo | Very Good | Visit Site → |
| #6 | Allstate | 4.2 | From ~$70/mo | Good | Visit Site → |
Detailed Reviews
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
USAA
Exclusively for military members, veterans, and their families, USAA delivers the highest customer satisfaction scores in the industry, the lowest complaint ratios, and rates that consistently beat competitors. If you qualify, there's no better option.
Pros
- +Lowest rates of any major insurer for eligible members
- +Highest customer satisfaction and lowest complaint ratio in the industry
- +Deployment and storage discounts for active-duty military
- +Member dividends returned in profitable years - effectively lowering premiums further
Cons
- −Eligibility restricted to military, veterans, and their families only
- −No local agent offices - service is entirely phone and online
- −Some coverage options vary by state and may be limited
Liberty Mutual
Liberty Mutual stands out for its extensive coverage customization options, including unique add-ons like new car replacement, better car replacement, and gap coverage. Ideal for drivers who want to tailor every aspect of their policy.
Pros
- +Most extensive coverage customization options of any major insurer
- +New car and better car replacement coverage are genuinely unique and valuable
- +Lifetime repair guarantee ensures quality work at network shops
- +Strong bundling discounts when paired with home or renters insurance
Cons
- −Base rates tend to be higher than GEICO, Progressive, and State Farm
- −Customer satisfaction scores are middling in J.D. Power surveys
- −Discount structure is less aggressive than competitors
Allstate
Allstate combines a large agent network with innovative features like Drivewise telematics, accident forgiveness, and deductible rewards. It's a solid mid-tier option with good customer service but higher-than-average premiums.
Pros
- +Accident forgiveness prevents rate hikes after your first at-fault accident
- +Drivewise program pays cash back for safe driving - not just a discount
- +Deductible Rewards reduce your deductible $100/year for being claim-free
- +Strong agent network with knowledgeable local representatives
Cons
- −Among the most expensive major insurers for average drivers
- −Many features that are standard elsewhere cost extra at Allstate
- −Customer satisfaction is average despite premium pricing
How We Rank & Review
Our rankings are the result of a rigorous, multi-step evaluation process. We start with extensive market research to identify every viable option, then narrow the field based on reputation, customer feedback, and feature sets.
Each product on our list undergoes hands-on testing by our expert reviewers. We evaluate ease of setup, day-to-day usability, feature quality, customer support responsiveness, and overall value for money.
We also survey real customers to understand long-term satisfaction and reliability. Our ratings combine expert scores with customer sentiment to give you a complete, balanced picture.
We update these rankings monthly as new products launch, prices change, and we gather more data. Our goal is to always give you the most current, accurate recommendations possible.