The best in auto insurance

With the highest overall Bankrate Score of any auto insurer our team reviewed, Amica stands out in all the categories that matter most to car owners. Affordable average rates (according to data sourced from Quadrant Information Services) and consistently stellar third-party ratings for customer service and claims handling put Amica ahead of most competition for price and service. Amica also offers auto insurance in every state except Hawaii, making it highly accessible to many drivers. To learn more about Amica and to get a quote, you can call 1-800-242-6422 or visit www.amica.com.

USAA's greatest strengths lie in affordability and reliability. With a Bankrate Score just 0.1 points behind Amica and consistently above-average customer experience ratings from J.D. Power, USAA ranks among the best auto insurance companies overall — but because coverage is only available to U.S. military members, veterans and their eligible family members, we chose to include it as one of two best overall auto insurers.

Auto-Owners combines some of the lowest average rates we saw in our analysis with solid J.D. Power customer service scores, making it a potentially ideal budget insurer for vehicle owners in its service area. Although Auto-Owners only writes car insurance policies in 26 states, its high Bankrate Score indicates that its low rates don't necessarily mean a tradeoff regarding customer service and reliability. If Auto-Owners is available in your state, it may be worth contacting for a quote if you're on a tight budget.

In our analysis, Geico returned the lowest average premiums for drivers with various violations on their driving record compared to competitor companies. The company offers nationwide coverage opportunities for drivers with speeding tickets, DUI convictions and other driving incidents, and can work with drivers to provide discounts and file SR-22 certificates if required. While there is no guarantee that any auto insurance company will cover you if you're considered high-risk, Geico may be worth including in your search if you have infractions on your driving record.

In addition to its overall low average rates, Auto-Owners stands out for offering some of the most affordable premiums to drivers under age 21, including college students and teens starting out on their own policy. Families with teens could benefit from Auto-Owners' teen monitoring discount, while college students might save by attending school away from home or earning good grades. If you’ve got a young driver in your family and live in one of the 26 states it services, you may want to contact Auto-Owners for a quote.

High-quality customer service stands out as one of Amica's greatest strengths as an insurer. In addition to high claims satisfaction scores from J.D. Power in 2022, 2023 and 2024, Amica received the highest overall customer satisfaction rating in New England in the 2024 U.S. Auto Insurance Study and above-average marks for digital service and shopping in the 2024 U.S. Insurance Digital Experience Study. To learn more about Amica and to get a quote, you can call 1-800-242-6422 or visit www.amica.com.

State Farm offers multiple ways for drivers with safe on-road habits to save, including via teen safety programs and claims-free discounts. The Drive Safe & Save telematics program offers a potential discount of up to 30 percent for drivers who log safe driving habits. Unlike some other insurers' telematics programs, Drive Safe & Save won't raise rates and doesn't consider nighttime driving a risk factor, making it a potentially good option for more drivers.