What is the best car insurance provider in Connecticut?

The best auto insurance in Connecticut is different for every driver because car insurance is so personalized. Every car insurance company looks at personal factors and weighs them differently, which means that the best car insurance provider for you might not be the best for the next person. For instance, if you have a classic car, you might want a provider that offers classic car insurance. Or, if you have a few speeding tickets, you might shop for a provider that specializes in high-risk auto insurance. Have a teen or young adult in your household? Consider finding a provider that offers a good student discount or allows you to reduce coverage when they’re away at college.

How much is car insurance per month in Connecticut?

Connecticut drivers pay an average of $1,083 per year for minimum car insurance coverage, which works out to $90 per month. Drivers with full coverage pay an average of $2,769 per year, which is around $231 per month. Keep in mind that your exact rates depend on personal factors like your driving history, car usage, vehicle type, age and more.

What is the cheapest car insurance company in Connecticut?

Geico, Amica and USAA have some of the lowest average prices for car insurance in Connecticut, according to Bankrate’s research. However, the cheapest car insurance company for you will depend on your individual or household rating factors. Getting quotes from several companies could be one of the best places to start if you want to find the cheapest car insurance company in Connecticut. Don’t forget that insurance rates can fluctuate, especially at renewal time. If your rates go up at renewal, feel free to shop around for a more competitive rate.

How can you find cheap car insurance in Connecticut?

Experts recommend shopping around and obtaining free quotes from multiple car insurance companies when looking for a new policy. Rates are highly personalized, and the cheapest company for one driver may not be the cheapest for another. When comparing quotes, be sure to request the same coverage types and limits from each carrier to get an accurate rate comparison.

What is the best way to save money on car insurance in Connecticut?

There are several strategies you can try to save money on your car insurance. For starters, ask for quotes from several companies to see who offers you the cheapest rate. Be sure to ask for the same amount and types of coverage from each so you can do a level comparison. Also review each potential company's discounts (they are usually listed on the website) to ensure that all you are entitled to are included in the quote. If not, consider speaking with a live agent to get a more exact quote. As a longer-term strategy, keeping your driving record clean is likely to net you the lowest rates. If you've had some dings on your record, consider taking a defensive driving course to brush up on your skills and possibly earn a discount. Also, increasing your credit score over time could help lower your rate in most states. Finally, if you are able to, consider increasing your deductible if you have full coverage to get a lower premium; just be sure you are selecting an amount you can comfortably afford to pay on short notice.

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Best car insurance in Connecticut for 2025

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Updated May 01, 2025

Geico, USAA, State Farm, Auto-Owners, and Progressive offer some of the best auto policies in Connecticut.

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Best car insurance companies in Connecticut

After analyzing dozens of providers, Bankrate determined that Geico, Amica, USAA, State Farm and Nationwide are among the best car insurance companies in Connecticut, based on our research into carrier coverage options and assessment of trusted industry ratings.

In our analysis, we utilized customer satisfaction scores from the 2024 J.D. Power U.S. Auto Insurance Study, as well as financial strength ratings from AM Best and Standard & Poor’s (S&P). We assessed affordability by looking at average rate data from Quadrant Information Services. Connecticut drivers pay, on average, $1,083 per year for minimum coverage and $2,769 for full coverage. Nationwide, automobile drivers pay an average of $2,692 per year for full coverage.


Geico	4.3 Rating: 4.3 stars out of 5	$1,894	$591
Amica	4.4 Rating: 4.4 stars out of 5	$2,867	$805
USAA	4.3 Rating: 4.3 stars out of 5	$1,637	$548
State Farm	4.3 Rating: 4.3 stars out of 5	$3,409	$1,308
Nationwide	4.0 Rating: 4 stars out of 5	$2,185	$1,035

*Displayed rates are average annual premiums

Best for digital tools

4.3

Read Geico review Get a quote

Avg. full coverage premium

$158/mo

Avg. full coverage premium

$1,894/yr

Customer satisfaction

638/1,000

Why Geico made our list: If you are looking for a company with strong digital tools and plenty of discounts, Geico, the third-largest U.S. auto insurer by market share, might be a good option. The company’s mobile app is highly rated and offers customers the ability to file claims, call for roadside assistance and pay their premiums via their smartphone, although it should be noted that the company was rated below average for the first time in the 2024 J.D. Power U.S. Insurance Digital Experience Study for service. Geico is known for offering numerous discounts, including potential savings for federal employees, military members and good students. It also rates well for customer service, scoring above average in the 2024 J.D. Power Auto Insurance Study for this region.

Who Geico may be good for: If you're looking for car insurance in Connecticut on a budget, Geico may be worth considering. The company's average rates are already low compared to many other carriers we analyzed, and may be even lower if you are able to apply some of its many potential discounts.
Pros
Low average rates

Lots of potential discounts

Superior AM Best financial strength rating
Cons
Does not offer as many additional coverage options as some competitors

Ranks below average in 2024 J.D. Power digital study for service

Best for customer service

4.4

Read Amica review Get a quote

Avg. full coverage premium

$239/mo

Avg. full coverage premium

$2,867/yr

Customer satisfaction

709/1,000

Why Amica made our list: Customers seeking Connecticut auto insurance companies with high customer satisfaction ratings might find Amica a good option for their needs. The company was the top-ranking insurer for customer satisfaction in the 2024 J.D. Power Auto Insurance Study for the New England region and also fared well in the 2024 J.D. Power Auto Claims Satisfaction study, coming in second place. Amica is unique among the top insurance companies in Connecticut due to its policy options. You could buy a standard auto insurance policy and take advantage of several potential discounts, or you could choose Amica’s auto insurance dividend policy, which pays back up to 20 percent of your premium each year. However, Amica may not be a good choice if you have a few blemishes on your driving record. You can learn more about Amica at www.Amica.com.

Who Amica may be good for: If your top priority is easy customer interactions with your insurer, Amica might be worth looking at. The company might also be a good choice for the budget-conscious, as its average rates are at the low end among the companies we studied.
Pros
Car insurance rates tend to be cheaper than average

Company will pay replacement cost value if your new vehicle is declared a total loss within the first 180 to 365 days of ownership

Robust coverage options offered
Cons
No online car insurance quotes available in Louisiana, and no coverage offered in Hawaii

No ridesharing coverage available

Best for military-focused coverage

4.3

Read USAA review Get a quote

Avg. full coverage premium

$136/mo

Avg. full coverage premium

$1,637/yr

Customer satisfaction

741/1,000

Why USAA made our list: Although USAA received the highest score in the 2024 J.D. Power customer satisfaction study, it is technically ineligible for ranking because it only offers car insurance to eligible members of the military, veterans and their immediate family members. USAA's rates aren't the lowest on our list, but it does offer unique discounts tailored to military needs, like savings for garaging a vehicle on base and potential loyalty discounts for young adults who were previously covered under a USAA-insured parent.

Who USAA may be good for: USAA scores highly for both reasonable average rates and dedicated customer service, so if you meet eligibility requirements and are interested in a company that scores well across the board, you may want to request a quote.
Pros
Unique coverage options tailored to the military community

Outstanding J.D. Power scores

Average auto insurance rates are lower than national average
Cons
No brick-and-mortar insurance agencies

Customer service is not 24/7 or available on Sundays

Not all drivers are eligible

Best for discounts

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$284/mo

Avg. full coverage premium

$3,409/yr

Customer satisfaction

664/1,000

Why State Farm made our list: State Farm is the largest auto insurer by direct premiums written in the U.S. Connecticut drivers have multiple potential coverage options with State Farm, including roadside assistance coverage and rideshare insurance. State Farm is one of the most expensive providers on our list based on average premiums, but the potential discounts it offers could offset the higher rates. For instance, you might earn a discount if you insure multiple vehicles or bundle home and auto insurance policies. State Farm has high J.D. Power customer satisfaction ratings and ranks well above average in its auto insurance survey for the New England region.

Who State Farm may be good for: State Farm may appeal to those who prefer to do their insurance business with an agent, rather than online. With agents in more than 75 Connecticut cities, you will undoubtedly find one or more in their area.
Pros
Numerous discounts available, including a telematics program and savings aimed toward young drivers

Highly-rated mobile app for hands-on policy management

Plenty of agencies located across the country
Cons
Gap insurance is not available

Cannot purchase accident forgiveness

No live chat

Best for coverage add-ons

4.0

Read Nationwide review Get a quote

Avg. full coverage premium

$182/mo

Avg. full coverage premium

$2,185/yr

Customer satisfaction

Not rated

Why Nationwide made our list: Besides all standard coverage options, Nationwide also offers optional gap coverage and roadside assistance. The company offers a variety of ways to save on auto insurance, including potential discounts for anti-theft devices, automatic payments, good student, multi-policy and safe driver discounts. The company scored well above average in the 2024 J.D. Power Auto Claims Satisfaction Study, though it is not rated in the 2024 Auto Insurance Study for the New England region.

Who Nationwide may be good for: With a network of local, independent agents throughout Connecticut, Nationwide might be a good option for drivers who want to work with independent agents. The company might also be a good option for drivers who want a simple, no-frills policy without much customization.
Pros
Robust coverage options available

Ranked in third place for service in 2024 J.D. Power Digital Experience Study

Offers two telematics programs
Cons
Below-average ranking in shopping category in J.D. Power Digital Experience Study

Most regional J.D. Power customer satisfaction scores are below average

Not available in all states

How Bankrate chose the best car insurance companies in Connecticut

Bankrate selected the best five auto insurance companies in Connecticut based on their affordability, availability, consumer ratings, financial strength ratings and price. While rates are an important aspect in choosing a car insurance company, you're also likely looking for a provider that offers the customer care you deserve and the financial ability to meet its claims responsibilities.

To help you decide on the right company for your needs, Bankrate gives each insurer a Bankrate Score, based on the factors we have outlined above. The score is out of five points and reflects a weighted rank of industry-standard rankings, third-party ratings, and average annual premiums. We also looked carefully at each company's website and app to assess digital tool capabilities.

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

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licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

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How to find the best car insurance in Connecticut

Car insurance is required to legally drive in Connecticut, but it can also be a valuable tool for financial protection. Most insurance experts recommend purchasing higher liability limits and full coverage if you can afford to do so. In most cases, paying for an insurance policy is cheaper than paying to repair your vehicle out of pocket in the event of an accident.

Connecticut drivers are required by law to carry a minimum amount of liability coverage, often written as 25/50/25. This translates to $25,000 in bodily injury liability coverage per accident, per person, $50,000 total bodily injury coverage per accident if multiple people are injured, and $25,000 in property damage liability. In addition, you must have a minimum of 25/50 in uninsured/underinsured motorist coverage.

It's worth noting, however, that in a serious accident, these minimums might not provide enough financial protection to avoid out-of-pocket costs. Many insurance experts recommend that you purchase higher amounts of liability.
If you have a loan or lease on your vehicle, you might have additional car insurance requirements. Financial institutions frequently require that policies have full coverage, which includes collision and comprehensive coverage. Additionally, gap insurance could be a helpful addition to your policy. If your newer vehicle is totaled in a covered event and the payout is less than the balance of your loan, gap insurance is designed to pay the difference.
There are numerous life events that can affect your insurance. For example, getting into an at-fault accident, getting a ticket or being convicted of a DUI could mean that insurance companies view you as a high-risk driver, which typically increases your premium. Or perhaps you have a teen driver who was recently added to your policy. In this case, you may see a hefty increase in your premium. If you understand the factors that will impact your premium, you could choose an insurance company whose coverages and discounts are well-suited to your unique situation.

How much is car insurance in Connecticut?

According to Quadrant Information Services, Connecticut drivers pay an average of $1,083 per year for minimum coverage and $2,769 per year for full coverage. Nationwide, U.S. motorists pay an average of $2,692 for full coverage and $808 for minimum coverage.

Your car insurance rates will depend on many factors, such as your driving history and the coverage you choose. Connecticut's average rates are higher than some neighboring states and lower than others. For example, Massachusetts drivers pay an average of $2,061 per year for full coverage. In contrast, New York drivers pay an average of $4,095. One variable that could be at play in these rate differences is urban density. Connecticut has far less urban density than New York, for instance, but is still among the most densely populated states in the country.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Norwalk	$2,682	-3%
Waterford	$2,316	-18%
Cheshire	$2,636	-5%
East Hampton	$2,463	-12%
North Branford	$2,726	-2%
Wethersfield	$2,646	-5%
Shelton	$2,755	-0%
Bridgeport	$3,704	+29%
Kent	$2,511	-10%
Taftville	$2,410	-14%
New Haven	$3,581	+26%
Bridgewater	$2,541	-9%
Woodbury	$2,525	-9%
Stamford	$2,785	+1%
Falls Village	$2,440	-13%
Bethany	$2,922	+5%
Abington	$2,490	-11%
Killingworth	$2,421	-13%
Madison	$2,493	-10%
Moosup	$2,320	-18%
Terryville	$2,591	-7%
Unionville	$2,428	-13%
Hartford	$3,733	+30%
Stevenson	$2,742	-1%
Niantic	$2,367	-16%
Stonington	$2,343	-17%
Barkhamsted	$2,483	-11%
Manchester	$2,510	-10%
Somersville	$2,488	-11%
Middlebury	$2,792	+1%
Westport	$2,613	-6%
North Grosvenordale	$2,351	-16%
Naugatuck	$2,864	+3%
Norfolk	$2,453	-12%
Waterbury	$3,418	+21%
Harwinton	$2,450	-12%
Colebrook	$2,431	-13%
Quinebaug	$2,496	-10%
Voluntown	$2,411	-14%
Groton	$2,299	-19%
Watertown	$2,754	-1%
Old Greenwich	$2,636	-5%
Weatogue	$2,395	-14%
East Killingly	$2,474	-11%
Gilman	$2,517	-10%
East Haddam	$2,376	-15%
Ballouville	$2,501	-10%
Woodstock Valley	$2,508	-10%
Goshen	$2,447	-12%
Redding Center	$2,699	-3%
Farmington	$2,428	-13%
Rocky Hill	$2,504	-10%
West Simsbury	$2,395	-14%
Gaylordsville	$2,622	-5%
New Canaan	$2,497	-10%
Salisbury	$2,464	-12%
West Suffield	$2,361	-16%
West Cornwall	$2,503	-10%
Andover	$2,311	-18%
Sandy Hook	$2,577	-7%
Pequabuck	$2,676	-3%
Danbury	$2,687	-3%
East Glastonbury	$2,847	+3%
West Mystic	$2,441	-13%
Brookfield	$2,609	-6%
Lakeville	$2,464	-12%
Somers	$2,356	-16%
Litchfield	$2,468	-11%
New Hartford	$2,450	-12%
Winchester Center	$2,605	-6%
West Hartford	$2,676	-3%
Brooklyn	$2,360	-16%
New London	$2,443	-12%
Oneco	$2,499	-10%
Meriden	$2,761	-0%
Roxbury	$2,572	-7%
Fairfield	$2,762	-0%
Willimantic	$2,364	-16%
Ashford	$2,389	-15%
Norwich	$2,410	-14%
Prospect	$2,915	+5%
Torrington	$2,399	-14%
Derby	$2,900	+5%
Plantsville	$2,490	-11%
Stratford	$2,942	+6%
Wallingford	$2,626	-5%
Sharon	$2,487	-11%
Tariffville	$2,395	-14%
Redding Ridge	$2,705	-2%
Ivoryton	$2,381	-15%
New Preston Marble Dale	$2,527	-9%
Newington	$2,629	-5%
Columbia	$2,331	-17%
Middlefield	$2,537	-9%
East Berlin	$2,617	-6%
Poquonock	$2,551	-8%
Stafford Springs	$2,347	-16%
Ridgefield	$2,549	-8%
Danielson	$2,334	-17%
North Franklin	$2,341	-17%
Old Saybrook	$2,359	-16%
East Windsor Hill	$2,491	-11%
Middle Haddam	$2,666	-4%
Southington	$2,490	-11%
Plainville	$2,493	-10%
Hawleyville	$2,823	+2%
Middletown	$2,622	-5%
Gales Ferry	$2,360	-16%
New Milford	$2,493	-10%
Canterbury	$2,367	-16%
Guilford	$2,640	-5%
East Granby	$2,414	-14%
Hadlyme	$2,546	-8%
Morris	$2,541	-9%
Easton	$2,600	-6%
Milford	$2,862	+3%
Seymour	$2,845	+3%
Canton	$2,387	-15%
Mashantucket	$2,469	-11%
Portland	$2,462	-12%
Newtown	$2,577	-7%
Northfield	$2,468	-11%
Taconic	$2,609	-6%
Hamden	$3,205	+15%
West Granby	$2,354	-16%
East Hartford	$2,969	+7%
Preston	$2,633	-5%
Uncasville	$2,407	-14%
Branford	$2,713	-2%
Wolcott	$2,925	+5%
East Woodstock	$2,474	-11%
East Haven	$3,247	+16%
New Britain	$2,924	+5%
Riverton	$2,529	-9%
Redding	$2,570	-7%
Pomfret Center	$2,395	-14%
Washington	$2,527	-9%
Greens Farms	$2,768	-0%
Tolland	$2,321	-18%
South Lyme	$2,529	-9%
Hampton	$2,402	-14%
Willington	$2,338	-17%
Mansfield Center	$2,334	-17%
Clinton	$2,440	-13%
South Kent	$2,511	-10%
North Stonington	$2,350	-16%
New Fairfield	$2,630	-5%
East Lyme	$2,367	-16%
Greenwich	$2,636	-5%
Thompson	$2,351	-16%
Pawcatuck	$2,343	-17%
South Britain	$2,858	+3%
Bethel	$2,577	-7%
Montville	$2,407	-14%
Riverside	$2,636	-5%
North Canton	$2,525	-9%
Amston	$2,335	-17%
Woodbridge	$2,933	+6%
Southport	$2,762	-0%
South Willington	$2,444	-12%
Essex	$2,381	-15%
Beacon Falls	$2,832	+2%
Milldale	$2,670	-4%
Sherman	$2,621	-5%
Broad Brook	$2,399	-14%
North Windham	$2,364	-16%
South Glastonbury	$2,456	-12%
Burlington	$2,416	-14%
South Windsor	$2,394	-15%
Bozrah	$2,386	-15%
Orange	$2,928	+6%
Versailles	$2,548	-8%
Enfield	$2,334	-17%
Windsor	$2,761	-0%
Windsor Locks	$2,409	-14%
Southbury	$2,622	-5%
Suffield	$2,361	-16%
Oakdale	$2,407	-14%
Oakville	$2,754	-1%
West Hartland	$2,485	-11%
Salem	$2,382	-15%
Washington Depot	$2,527	-9%
Fabyan	$2,475	-11%
Ellington	$2,325	-17%
Higganum	$2,468	-11%
Oxford	$2,734	-1%
Bethlehem	$2,540	-9%
Staffordville	$2,495	-10%
Canaan	$2,417	-14%
Botsford	$2,840	+3%
Cornwall Bridge	$2,503	-10%
Grosvenor Dale	$2,446	-12%
Marlborough	$2,350	-16%
Vernon Rockville	$2,398	-14%
Ledyard	$2,360	-16%
Monroe	$2,711	-2%
East Hartland	$2,360	-16%
Colchester	$2,354	-16%
Ansonia	$2,895	+4%
Cromwell	$2,502	-10%
Central Village	$2,320	-18%
Cobalt	$2,565	-8%
Cos Cob	$2,636	-5%
Thomaston	$2,572	-7%
Marion	$2,572	-7%
Berlin	$2,494	-10%
Simsbury	$2,395	-14%
Baltic	$2,430	-13%
Windham	$2,364	-16%
Granby	$2,354	-16%
Canton Center	$2,512	-10%
South Windham	$2,487	-11%
North Granby	$2,354	-16%
Quaker Hill	$2,316	-18%
North Haven	$2,940	+6%
Bristol	$2,562	-8%
Coventry	$2,308	-18%
Mansfield Depot	$2,466	-12%
North Westchester	$2,552	-8%
Pine Meadow	$2,605	-6%
Mystic	$2,299	-19%
Storrs Mansfield	$2,334	-17%
Bantam	$2,468	-11%
Old Lyme	$2,401	-14%
Durham	$2,498	-10%
Darien	$2,536	-9%
Wilton	$2,592	-7%
Bloomfield	$2,865	+3%
Lebanon	$2,371	-15%
East Canaan	$2,417	-14%
Chester	$2,422	-13%
Eastford	$2,350	-16%
Weston	$2,594	-7%
Rogers	$2,475	-11%
Plymouth	$2,591	-7%
Glastonbury	$2,456	-12%
Westbrook	$2,431	-13%
Woodstock	$2,368	-16%
Centerbrook	$2,381	-15%
Moodus	$2,376	-15%
Avon	$2,382	-15%
Hebron	$2,335	-17%
Scotland	$2,333	-17%
Hanover	$2,546	-8%
Chaplin	$2,375	-15%
Jewett City	$2,392	-15%
Lakeside	$2,644	-5%
West Haven	$3,261	+16%
Haddam	$2,468	-11%
Georgetown	$2,860	+3%
Trumbull	$2,750	-1%
Plainfield	$2,320	-18%
Northford	$2,726	-2%
Winsted	$2,445	-12%
Yantic	$2,462	-12%
Sterling	$2,385	-15%
Dayville	$2,334	-17%
Bolton	$2,297	-19%
East Windsor	$2,399	-14%
Deep River	$2,373	-15%
Putnam	$2,366	-16%
Rockfall	$2,700	-3%

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Frequently asked questions

The best auto insurance in Connecticut is different for every driver because car insurance is so personalized. Every car insurance company looks at personal factors and weighs them differently, which means that the best car insurance provider for you might not be the best for the next person. For instance, if you have a classic car, you might want a provider that offers classic car insurance. Or, if you have a few speeding tickets, you might shop for a provider that specializes in high-risk auto insurance. Have a teen or young adult in your household? Consider finding a provider that offers a good student discount or allows you to reduce coverage when they’re away at college.
Connecticut drivers pay an average of $1,083 per year for minimum car insurance coverage, which works out to $90 per month. Drivers with full coverage pay an average of $2,769 per year, which is around $231 per month. Keep in mind that your exact rates depend on personal factors like your driving history, car usage, vehicle type, age and more.
Geico, Amica and USAA have some of the lowest average prices for car insurance in Connecticut, according to Bankrate’s research. However, the cheapest car insurance company for you will depend on your individual or household rating factors. Getting quotes from several companies could be one of the best places to start if you want to find the cheapest car insurance company in Connecticut. Don’t forget that insurance rates can fluctuate, especially at renewal time. If your rates go up at renewal, feel free to shop around for a more competitive rate.
Experts recommend shopping around and obtaining free quotes from multiple car insurance companies when looking for a new policy. Rates are highly personalized, and the cheapest company for one driver may not be the cheapest for another. When comparing quotes, be sure to request the same coverage types and limits from each carrier to get an accurate rate comparison.
There are several strategies you can try to save money on your car insurance. For starters, ask for quotes from several companies to see who offers you the cheapest rate. Be sure to ask for the same amount and types of coverage from each so you can do a level comparison.

Also review each potential company's discounts (they are usually listed on the website) to ensure that all you are entitled to are included in the quote. If not, consider speaking with a live agent to get a more exact quote. As a longer-term strategy, keeping your driving record clean is likely to net you the lowest rates. If you've had some dings on your record, consider taking a defensive driving course to brush up on your skills and possibly earn a discount. Also, increasing your credit score over time could help lower your rate in most states. Finally, if you are able to, consider increasing your deductible if you have full coverage to get a lower premium; just be sure you are selecting an amount you can comfortably afford to pay on short notice.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Bankrate Scores

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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Methodology

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