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Car insurance for teen drivers

Updated Apr 24, 2025
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Key takeaways

  • Geico, Nationwide, Progressive, State Farm and Travelers are some of the best car insurance companies for teens, according to our research.
  • Parents adding a 16-year-old to their policy experience the highest average rates, with an average annual full coverage premium of $5,970 for a male teen and $5,565 for a female teen.
  • Hawaii generally has the lowest average rates for teen drivers, likely because they don’t allow insurance companies to base rates on age. Louisiana, Florida and New York tend to have the highest average rates.

Best car insurance for teen drivers

We chose the best car insurance companies for teens by analyzing factors that matter most to families with teen drivers: price, discounts, safe driving programs and overall customer satisfaction. These are among the factors that go into each company's Bankrate Score, our proprietary 5.0-point scale that captures how well each carrier meets customer needs overall. 

The companies below all earned high Bankrate Scores and offer competitive premiums for families with teen drivers, along with teen-specific discounts and safe driving programs that could help mitigate expensive premiums.

4.4
Rating: 4.4 stars out of 5
$1,532
$4,547
4.3
Rating: 4.3 stars out of 5
$1,165
$4,069
4.3
Rating: 4.3 stars out of 5
$1,864
$5,274
4.1
Rating: 4.1 stars out of 5
$1,179
$4,187
4.0
Rating: 4 stars out of 5
$1,218
$3,325
Rates reflect 16- to 19-year-old drivers added to their married parents' policy.

Why we picked this carrier:

Drivers of all ages can participate in Progressive's Snapshot program to potentially earn cheaper premiums. This program tracks your driving habits and rewards you for safe practices, with an average discount of $169 just for signing up. If your teen is a safe driver, this program may be a great way to lower your family’s car insurance rates. Progressive also offers teen driver, good student and distant student discounts and tends to have affordable premiums for drivers with certain violations.

Checkmark IconPros

  • Several options for digital policy management
  • Numerous discounts available

Close X IconCons

  • Telematics programs can actually raise rates for unsafe driving
  • Below-average score for J.D. Power claims satisfaction

Why we picked this carrier:

Geico is consistently among the cheapest car insurance companies for young drivers. It's also the 2025 Bankrate Awards winner for Best Auto Insurance Company for High-Risk Drivers, meaning that teens with tickets or accidents on their record may still be able to find affordable coverage with Geico. The company offers a range of discounts geared toward teens, including savings for good students and young drivers who complete an approved driver education course.

Checkmark IconPros

  • Comprehensive website and mobile app with easy access to a customer service representative
  • Lower average premium for high-risk drivers

Close X IconCons

  • Other insurance lines may be written by third parties
  • Coverage add-on options limited

Why we picked this carrier:

State Farm has one of the highest Bankrate Scores on our list. Like many other car insurance companies, the company offers a good student discount in certain states, but requirements vary by location. State Farm's unique Steer Clear program is another way for young adults under 25 to save as much as 20 percent on car insurance premiums by completing training modules and logging practice trips. For young drivers who prefer to manage their policies digitally, it's worth noting that State Farm scores above average for service in J.D. Power's 2024 U.S. Insurance Digital Experience Study.

Checkmark IconPros

  • High customer satisfaction and financial strength scores
  • Savings options tailored for younger drivers

Close X IconCons

  • Certain discounts may not be available in all states
  • No live chat option

Why we picked this carrier:

Travelers offers car insurance in 42 states plus Washington, D.C. It could be worth considering if you'd prefer to tailor coverage to your specific needs. They also have a handful of discounts that may lower your premium, including safe driver, good student and student away from school discounts. Young drivers who complete an approved driver education course might also earn a discount. However, Travelers received a below-average score in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.

Checkmark IconPros

  • Robust coverage options allow for customization
  • Generous discount options

Close X IconCons

  • Not available in all 50 states
  • Below average claims satisfaction ranking

Why we picked this carrier:

Nationwide has a presence in 46 states and Washington, D.C., with diverse coverage options and unusual features, such as a vanishing deductible, which gives you a $100 credit toward your deductible for every year you are accident-free. Nationwide offers several discounts with excellent savings for families with teens, like good student discounts and accident-free discounts. The company also has two telematics programs: SmartRide, which offers potential premium discounts for drivers who avoid unsafe habits like hard braking, and SmartMiles, which allows households that don't drive often to potentially save on coverage based on their mileage.

Checkmark IconPros

  • 10 advertised discounts
  • SmartMiles program available for low-mileage drivers

Close X IconCons

  • Below average rating from J.D. Power for auto claims satisfaction
  • Not available in all 50 states

Average cost of car insurance for teen drivers

Depending on age, premiums for teen drivers added to their parents' policy range from $5,970 to $4,176. On a standalone policy, teens can pay as much as $7,715. Keep in mind that these numbers are national averages for teens driving a conservative family car. 

You may see higher rates for teen car insurance if: 

  • Your teen is male: Statistically, young male drivers carry a higher level of driving risk than their female peers. California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania ban insurers from using gender to price insurance, but most states will assign higher premiums to young men.
  • Your teen drives a high-risk car: Small SUVs with high safety ratings are typically the cheapest vehicles for teen car insurance. Any car with a high value, a reputation for risky driving like speeding or rapid acceleration or shaky safety ratings can drive up the cost of car insurance for teens.
  • Your teen has their own car insurance policy: Once a teen driver turns 18, they may have the option to purchase their own auto insurance, but this typically comes with significantly higher premiums compared to teens who stay on their parents' car insurance. 

Cost of car insurance for teens on their parents’ policy

One factor that can bring the overall cost of car insurance for teens down is to remain on their parents' policy until they leave home and establish their own residence. Here is the average annual premium for full coverage car insurance for teen drivers added to their parents’ policy:

Age Male* Female*
16 $5,970 $5,565
17 $5,559 $5,141
18 $5,158 $4,778
19 $4,552 $4,176
*Rates reflect the total cost for two adult drivers, one teen and one vehicle

Cost of car insurance for teens on their own policy

If you compare the rates for teens with their own policy against the rates of teens on their parents' policy in the table above, it becomes clear that savings generally lie in remaining on the parents' policy even after the teen turns 18, when possible. On a standalone policy, the risk associated with teen drivers can't be diffused by an older driver's record of safe driving.

Age Male* Female*
18 $7,715 $7,050
19 $6,296 $5,659
*Teens under 18 can’t purchase their own car insurance policies in most circumstances.

Car insurance rates generally decrease as drivers get older and gain more experience behind the wheel. By maintaining a clean driving record and taking advantage of discounts, teenage drivers can typically expect lower car insurance costs over time.

Average car insurance costs for teen drivers by state

The state where you live also affects how much car insurance costs for teens. New York, Louisiana, Florida, Michigan and Nevada have the most expensive average rates for car insurance when adding a young driver to their parents’ policy. Hawaii, on the other hand, doesn't permit insurers to take age and driving experience into account when setting rates, so they offer the cheapest rates for families with teens. 

The rates below are for full coverage car insurance when teens are added to their parents’ policy.

Age 16*
$4,596
Age 17*
$4,195
Age 18*
$3,772
Age 19*
$3,249
Age 16*
$4,914
Age 17*
$4,593
Age 18*
$4,373
Age 19*
$4,124
Age 16*
$6,013
Age 17*
$5,504
Age 18*
$5,027
Age 19*
$4,667
Age 16*
$4,857
Age 17*
$4,529
Age 18*
$4,191
Age 19*
$3,844
Age 16*
$6,967
Age 17*
$6,476
Age 18*
$6,120
Age 19*
$4,659
Age 16*
$6,633
Age 17*
$6,153
Age 18*
$5,738
Age 19*
$5,449
Age 16*
$5,612
Age 17*
$5,087
Age 18*
$4,643
Age 19*
$4,073
Age 16*
$5,734
Age 17*
$5,407
Age 18*
$4,948
Age 19*
$4,577
Age 16*
$8,182
Age 17*
$7,607
Age 18*
$7,193
Age 19*
$6,272
Age 16*
$6,369
Age 17*
$5,927
Age 18*
$5,441
Age 19*
$4,938
Age 16*
$1,744
Age 17*
$1,745
Age 18*
$1,744
Age 19*
$1,745
Age 16*
$3,107
Age 17*
$2,772
Age 18*
$2,598
Age 19*
$2,366
Age 16*
$5,261
Age 17*
$4,711
Age 18*
$4,371
Age 19*
$4,249
Age 16*
$3,681
Age 17*
$3,302
Age 18*
$3,070
Age 19*
$2,817
Age 16*
$3,530
Age 17*
$3,277
Age 18*
$3,045
Age 19*
$2,851
Age 16*
$5,297
Age 17*
$4,886
Age 18*
$4,483
Age 19*
$4,043
Age 16*
$5,596
Age 17*
$5,306
Age 18*
$4,854
Age 19*
$4,438
Age 16*
$8,768
Age 17*
$8,080
Age 18*
$7,199
Age 19*
$6,314
Age 16*
$3,619
Age 17*
$3,345
Age 18*
$3,079
Age 19*
$2,818
Age 16*
$6,280
Age 17*
$5,911
Age 18*
$5,564
Age 19*
$4,891
Age 16*
$4,547
Age 17*
$4,216
Age 18*
$4,000
Age 19*
$3,263
Age 16*
$6,782
Age 17*
$6,407
Age 18*
$6,058
Age 19*
$5,804
Age 16*
$5,423
Age 17*
$4,909
Age 18*
$4,499
Age 19*
$3,961
Age 16*
$4,407
Age 17*
$4,052
Age 18*
$3,745
Age 19*
$3,328
Age 16*
$5,750
Age 17*
$5,296
Age 18*
$4,862
Age 19*
$4,434
Age 16*
$5,019
Age 17*
$4,711
Age 18*
$4,435
Age 19*
$3,947
Age 16*
$4,682
Age 17*
$4,347
Age 18*
$4,011
Age 19*
$3,628
Age 16*
$7,605
Age 17*
$6,941
Age 18*
$6,477
Age 19*
$5,977
Age 16*
$3,774
Age 17*
$3,472
Age 18*
$3,145
Age 19*
$2,722
Age 16*
$6,152
Age 17*
$5,874
Age 18*
$5,631
Age 19*
$5,180
Age 16*
$4,439
Age 17*
$4,019
Age 18*
$3,655
Age 19*
$3,276
Age 16*
$7,630
Age 17*
$7,471
Age 18*
$7,059
Age 19*
$6,278
Age 16*
$4,545
Age 17*
$3,572
Age 18*
$3,283
Age 19*
$2,543
Age 16*
$3,643
Age 17*
$3,332
Age 18*
$3,021
Age 19*
$2,740
Age 16*
$4,147
Age 17*
$3,808
Age 18*
$3,521
Age 19*
$3,144
Age 16*
$5,510
Age 17*
$5,085
Age 18*
$4,781
Age 19*
$4,374
Age 16*
$4,858
Age 17*
$4,322
Age 18*
$3,931
Age 19*
$3,839
Age 16*
$5,497
Age 17*
$5,111
Age 18*
$4,616
Age 19*
$4,074
Age 16*
$6,853
Age 17*
$6,331
Age 18*
$5,788
Age 19*
$4,953
Age 16*
$4,373
Age 17*
$3,937
Age 18*
$3,608
Age 19*
$3,203
Age 16*
$3,798
Age 17*
$3,574
Age 18*
$3,331
Age 19*
$3,147
Age 16*
$4,889
Age 17*
$4,551
Age 18*
$4,061
Age 19*
$3,509
Age 16*
$5,441
Age 17*
$5,120
Age 18*
$4,728
Age 19*
$4,262
Age 16*
$5,312
Age 17*
$4,746
Age 18*
$4,301
Age 19*
$3,770
Age 16*
$3,693
Age 17*
$3,403
Age 18*
$3,054
Age 19*
$2,708
Age 16*
$5,242
Age 17*
$4,788
Age 18*
$4,400
Age 19*
$3,879
Age 16*
$4,327
Age 17*
$4,088
Age 18*
$3,745
Age 19*
$3,086
Age 16*
$4,576
Age 17*
$4,253
Age 18*
$3,929
Age 19*
$3,442
Age 16*
$4,052
Age 17*
$3,766
Age 18*
$3,438
Age 19*
$3,069
Age 16*
$3,683
Age 17*
$3,496
Age 18*
$3,262
Age 19*
$2,795
Age 16*
$6,069
Age 17*
$5,531
Age 18*
$5,180
Age 19*
$4,783
Age 16*
$6,633
Age 17*
$6,153
Age 18*
$5,738
Age 19*
$5,449
Age 16*
$5,612
Age 17*
$5,087
Age 18*
$4,643
Age 19*
$4,073
Age 16*
$5,734
Age 17*
$5,407
Age 18*
$4,948
Age 19*
$4,577
Age 16*
$8,182
Age 17*
$7,607
Age 18*
$7,193
Age 19*
$6,272
Age 16*
$6,369
Age 17*
$5,927
Age 18*
$5,441
Age 19*
$4,938
Age 16*
$1,744
Age 17*
$1,745
Age 18*
$1,744
Age 19*
$1,745
Age 16*
$3,107
Age 17*
$2,772
Age 18*
$2,598
Age 19*
$2,366
Age 16*
$5,261
Age 17*
$4,711
Age 18*
$4,371
Age 19*
$4,249
Age 16*
$3,681
Age 17*
$3,302
Age 18*
$3,070
Age 19*
$2,817
Age 16*
$3,530
Age 17*
$3,277
Age 18*
$3,045
Age 19*
$2,851
Age 16*
$5,297
Age 17*
$4,886
Age 18*
$4,483
Age 19*
$4,043
Age 16*
$5,596
Age 17*
$5,306
Age 18*
$4,854
Age 19*
$4,438
Age 16*
$8,768
Age 17*
$8,080
Age 18*
$7,199
Age 19*
$6,314
Age 16*
$3,619
Age 17*
$3,345
Age 18*
$3,079
Age 19*
$2,818
Age 16*
$6,280
Age 17*
$5,911
Age 18*
$5,564
Age 19*
$4,891
Age 16*
$4,547
Age 17*
$4,216
Age 18*
$4,000
Age 19*
$3,263
Age 16*
$6,782
Age 17*
$6,407
Age 18*
$6,058
Age 19*
$5,804
Age 16*
$5,423
Age 17*
$4,909
Age 18*
$4,499
Age 19*
$3,961
Age 16*
$4,407
Age 17*
$4,052
Age 18*
$3,745
Age 19*
$3,328
Age 16*
$5,750
Age 17*
$5,296
Age 18*
$4,862
Age 19*
$4,434
Age 16*
$5,019
Age 17*
$4,711
Age 18*
$4,435
Age 19*
$3,947
Age 16*
$4,682
Age 17*
$4,347
Age 18*
$4,011
Age 19*
$3,628
Age 16*
$7,605
Age 17*
$6,941
Age 18*
$6,477
Age 19*
$5,977
Age 16*
$3,774
Age 17*
$3,472
Age 18*
$3,145
Age 19*
$2,722
Age 16*
$6,152
Age 17*
$5,874
Age 18*
$5,631
Age 19*
$5,180
Age 16*
$4,439
Age 17*
$4,019
Age 18*
$3,655
Age 19*
$3,276
Age 16*
$7,630
Age 17*
$7,471
Age 18*
$7,059
Age 19*
$6,278
Age 16*
$4,545
Age 17*
$3,572
Age 18*
$3,283
Age 19*
$2,543
Age 16*
$3,643
Age 17*
$3,332
Age 18*
$3,021
Age 19*
$2,740
Age 16*
$4,147
Age 17*
$3,808
Age 18*
$3,521
Age 19*
$3,144
Age 16*
$5,510
Age 17*
$5,085
Age 18*
$4,781
Age 19*
$4,374
Age 16*
$4,858
Age 17*
$4,322
Age 18*
$3,931
Age 19*
$3,839
Age 16*
$5,497
Age 17*
$5,111
Age 18*
$4,616
Age 19*
$4,074
Age 16*
$6,853
Age 17*
$6,331
Age 18*
$5,788
Age 19*
$4,953
Age 16*
$4,373
Age 17*
$3,937
Age 18*
$3,608
Age 19*
$3,203
Age 16*
$3,798
Age 17*
$3,574
Age 18*
$3,331
Age 19*
$3,147
Age 16*
$4,889
Age 17*
$4,551
Age 18*
$4,061
Age 19*
$3,509
Age 16*
$5,441
Age 17*
$5,120
Age 18*
$4,728
Age 19*
$4,262
Age 16*
$5,312
Age 17*
$4,746
Age 18*
$4,301
Age 19*
$3,770
Age 16*
$3,693
Age 17*
$3,403
Age 18*
$3,054
Age 19*
$2,708
Age 16*
$5,242
Age 17*
$4,788
Age 18*
$4,400
Age 19*
$3,879
Age 16*
$4,327
Age 17*
$4,088
Age 18*
$3,745
Age 19*
$3,086
Age 16*
$4,576
Age 17*
$4,253
Age 18*
$3,929
Age 19*
$3,442
Age 16*
$4,052
Age 17*
$3,766
Age 18*
$3,438
Age 19*
$3,069
Age 16*
$3,683
Age 17*
$3,496
Age 18*
$3,262
Age 19*
$2,795
Age 16*
$6,069
Age 17*
$5,531
Age 18*
$5,180
Age 19*
$4,783
*Rates reflect the total cost for two adult drivers, one teen and one vehicle. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

How rates are determined for teen drivers

Car insurance companies consider a wide range of factors when determining teen car insurance rates. A few of the main considerations include:

  • Car make and model: Your vehicle's make and model is likely to impact your rate for several reasons. High-tech features may be expensive to repair and thus tend to increase rates — but by helping teens avoid accidents, they can also help you dodge additional rate hikes once your teen is on your policy. Crash statistics for your vehicle may also indicate to your insurer how likely it is that you'll be involved in an accident. Safer cars tend to earn lower rates.
  • Age: Statistics show that drivers with less experience on the road are more likely to be involved in a car accident or engage in risky driving behaviors like speeding. As young drivers become more experienced, they are considered less of a risk in most states and typically see lower premiums as long as they maintain a clean driving record. 
  • Driving history: If a teen has a history of car accidents and moving violations, the car insurance company may see them as riskier to insure and increase their premium.
  • Types of car insurance coverageMinimum coverage policies allow you to drive legally but provide less financial protection than full coverage. Because teens have a higher risk of driving incidents, it's typically worth carrying the highest level of coverage you can afford as long as you have an inexperienced driver on your policy. Experts recommend opting for higher liability limits and adding collision and comprehensive coverage (more commonly called full coverage) to your policy.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Discounts for teen drivers

Teen drivers and young adults may lower their car insurance premiums by benefiting from some of the best car insurance discounts for students and various other discounts.

  • Good student discounts: Unmarried, full-time students may get a good student discount by maintaining a certain letter grade or grade point average (often a "B" average, 3.0 GPA or better). The savings amount and eligibility criteria vary by company.
  • Distant student discounts: A distant student discount, also called student away at school, is a potential way to save for college-aged drivers. This discount typically applies to students who go to college at least 100 miles from home and do not take a car with them.
  • Driver training discounts: Driver training programs help teenage drivers develop safer and more responsible driving habits and may also translate to lower car insurance premiums. The requirements and savings differ by carrier.
  • Usage-based program discounts: Many insurance companies offer a way for all family members to save on car insurance with a usage-based program, also known as a telematics program. Telematics programs require a smartphone or plug-in device installed into the car to monitor driving habits and miles driven. Maintaining safe driving habits can earn you cheap car insurance rates.

What coverage type does my teen need?

In almost every state, you are required to carry a minimum amount of insurance coverage to drive legally on public roads. This generally consists of liability insurance to cover damage and injuries to the other driver, their vehicle and any other damaged property in an at-fault accident. Depending on the state, other requirements may include uninsured motorist coverage or personal injury protection.

If you have a car loan or lease on your teen's vehicle, it's likely that you'll also need to purchase collision and comprehensive insurance, which together with liability are often referred to as full coverage. This insurance helps pay for damage to your teen's car if they are in an at-fault accident or have a mishap like hitting an animal.

Just meeting your state and lender's requirements, though, might not give you all the coverage you need with a teen on your policy. Higher liability limits and additional coverage options like roadside assistance or rental car coverage may be worthwhile investments with a risky driver on your policy. If you're not sure how much coverage to add when your teen starts driving, you may want to speak with an insurance agent or broker.

Frequently asked questions

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze April 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 with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
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.

If otherwise specified, the base profile has been modified with the following driver characteristics:

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Bankrate Score

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.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • 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.

Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute