Allstate, GEICO, Progressive and State Farm are the four largest car insurance companies in the U.S. All four have been in business for decades, enjoy strong financial strength ratings and are well known in the industry.
Together, they held more than 50% of the total market share of personal auto insurance policies in 2024, according to the National Association of Insurance Commissioners (NAIC).
These four insurers scored high ratings in NerdWallet’s 2025 analysis of the best car insurance companies, so we compared them on important topics like price, customer complaints and coverage options.
How does Allstate car insurance compare?
Allstate
- Lots of coverage options, including accident forgiveness, new car replacement and a safe-driving bonus every six months.
- Offers rideshare insurance in many states.
- Customer ratings are below average for auto insurance shopping satisfaction compared to other companies.
Allstate is a good pick for: Drivers who are willing to pay more to get extra coverage options.
Allstate offered five of the eight optional coverage types we looked for, including new car replacement and accident forgiveness. Allstate was also the only one of these four companies to offer pay-per-mile insurance, a type of policy where you pay a base rate plus a per-mile rate.
Allstate vs. GEICO
Allstate offers a wider selection of coverage types than GEICO, including new car replacement coverage. However, GEICO is often cheaper than Allstate and offers more discounts as well.
Average rates: Here's how Allstate's average rates compare to GEICO's average rates for common driver profiles:
Good driver with good credit: $3,919 from Allstate vs. $2,275 from GEICO
Good driver with poor credit: $6,103 from Allstate vs. $3,211 from GEICO
Driver with a recent at-fault accident: $6,213 from Allstate vs. $3,898 from GEICO
Driver with liability-only coverage: $846 from Allstate vs. $492 from GEICO
Allstate vs. Progressive
Among the top four insurers, Progressive stands out by offering six of the eight types of optional coverage we looked for, such as gap insurance and rideshare coverage. Progressive also received fewer complaints than Allstate, according to the NAIC.
Average rates: Here's how Allstate's average rates compare to Progressive's average rates for common driver profiles:
Good driver with good credit: $3,919 from Allstate vs. $2,228 from Progressive
Good driver with poor credit: $6,103 from Allstate vs. $3,577 from Progressive
Driver with a recent at-fault accident: $6,213 from Allstate vs. $3,338 from Progressive
Driver with liability-only coverage: $846 from Allstate vs. $650 from Progressive
Allstate vs. State Farm
If you’re choosing between Allstate and State Farm, you’re picking between two companies that get relatively few complaints to state regulators, according to the NAIC.
While State Farm may offer lower prices, on average, Allstate offers features that aren’t available from State Farm, such as accident forgiveness, pay-per-mile and new-car replacement insurance.
Average rates: Here is how Allstate's average rates compare to State Farm's average rates for common driver profiles:
Good driver with good credit: $3,919 from Allstate vs. $2,440 from State Farm
Good driver with poor credit: $6,103 from Allstate vs. $9,934 from State Farm
Driver with a recent at-fault accident: $6,213 from Allstate vs. $3,103 from State Farm
Driver with liability-only coverage: $846 from Allstate vs. $505 from State Farm
Here is how Allstate's average rates compare to the national average for common driver profiles:
| Driver profile | Allstate's average rate | National average rate |
|---|---|---|
| Clean driving record, good credit | $3,919 | $2,571 |
| One speeding ticket, good credit | $5,054 | $3,257 |
| One at-fault crash, good credit | $6,213 | $3,798 |
| One DUI, good credit | $5,880 | $4,841 |
| Clean driving record, poor credit | $6,103 | $4,285 |
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How does GEICO car insurance compare?
GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below average customer satisfaction for auto insurance claims in a recent J.D. Power study.
GEICO is a good pick for: Drivers who want cheap rates and a lot of discounts.
GEICO's user-friendly website and mobile app make filing claims and making changes to your policy easy. And while GEICO may not offer the most types of optional coverage, the company's wide range of discounts can make its budget-friendly premiums even cheaper.
» MORE: Cheapest car insurance companies
GEICO vs. Allstate
Although Allstate offers a wider selection of coverage types than GEICO, including new car replacement coverage, GEICO is often cheaper than Allstate for most driver profiles. So if you’re choosing between GEICO and Allstate, GEICO may be right for you if price is your main concern.
Average rates: Here's how GEICO's average rates compare to Allstate's average rates for common driver profiles:
Good driver with good credit: $2,275 from GEICO vs. $3,919 from Allstate
Good driver with poor credit: $3,211 from GEICO vs. $6,103 from Allstate
Driver with a recent at-fault accident: $3,898 from GEICO vs. $6,213 from Allstate
Driver with liability-only coverage: $492 from GEICO vs. $846 from Allstate
GEICO vs. Progressive
When you compare GEICO vs. Progressive, think about whether you prefer low prices or need extra coverage options. GEICO has lower average rates in our analyses, but it doesn't offer as many types of coverage as Progressive, such as gap and rideshare coverage.
Average rates: Here's how GEICO's average rates compare to Progressive's average rates for common driver profiles:
Good driver with good credit: $2,275 from GEICO vs. $2,228 from Progressive
Good driver with poor credit: $3,211 from GEICO vs. $3,577 from Progressive
Driver with a recent at-fault accident: $3,898 from GEICO vs. $3,338 from Progressive
Driver with liability-only coverage: $492 from GEICO vs. $650 from Progressive
GEICO vs. State Farm
GEICO offers more discounts and is the cheapest option for many common driver profiles, according to our analyses. GEICO also outranked State Farm in our comparison of optional coverage offerings.
However, if you value customer satisfaction, State Farm may be probably a better option.
Average rates: Here's how GEICO's average rates compare to State Farm's average rates for common driver profiles:
Good driver with good credit: $2,275 from GEICO vs. $2,440 from State Farm
Good driver with poor credit: $3,211 from GEICO vs. $9,934 from State Farm
Driver with a recent at-fault accident: $3,898 from GEICO vs. $3,103 from State Farm
Driver with liability-only coverage: $492 from GEICO vs. $505 from State Farm
Here is how GEICO's average rates compare to the national average for common driver profiles:
| Driver profile | GEICO's average rate | National average rate |
|---|---|---|
| Clean driving record, good credit | $2,275 | $2,571 |
| One speeding ticket, good credit | $2,973 | $3,257 |
| One at-fault crash, good credit | $3,898 | $3,798 |
| One DUI, good credit | $5,301 | $4,841 |
| Clean driving record, poor credit | $3,211 | $4,285 |
How does Progressive car insurance compare?
Progressive
- Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
- If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
- Rideshare coverage available.
- Below average rating for claims satisfaction from J.D. Power.
Progressive is a good pick for: Drivers who want a lot of optional types of coverage.
Progressive offered six of the eight optional coverage types we tracked in our comparison, including accident forgiveness, gap coverage and even pet injury coverage, which helps with veterinarian bills if your pet is injured in a covered accident.
Progressive vs. Allstate
Among the top four insurers, Progressive stands out for offering the most types of optional coverage according to our analysis. Progressive also received fewer complaints to state insurance regulators and offers cheaper rates, on average, than Allstate.
Average rates: Here's how Progressive's average rates compare to Allstate's average rates for common driver profiles:
Good driver with good credit: $2,228 from Progressive vs. $3,919 from Allstate
Good driver with poor credit: $3,577 from Progressive vs. $6,103 from Allstate
Driver with a recent at-fault accident: $3,338 from Progressive vs. $6,213 from Allstate
Driver with liability-only coverage: $650 from Progressive vs. $846 from Allstate
Progressive vs. GEICO
When you compare Progressive vs. GEICO, think about what matters more to you: Lots of potential discounts or lots of coverage options. GEICO typically has cheaper rates in our analyses, but Progressive offers several types of coverage that GEICO doesn’t, such as gap coverage and custom parts and equipment coverage.
Average rates: Here's how Progressive's average rates compare to GEICO's average rates for common driver profiles:
Good driver with good credit: $2,228 from Progressive vs. $2,275 from GEICO
Good driver with poor credit: $3,577 from Progressive vs. $3,211 from GEICO
Driver with a recent at-fault accident: $3,338 from Progressive vs. $3,898 from GEICO
Driver with liability-only coverage: $650 from Progressive vs. $492 from GEICO
Progressive vs. State Farm
Progressive and State Farm are the two most mobile user-friendly insurers out of the top four. So when choosing between Progressive and State Farm, think about which other factors matter the most to you.
State Farm received fewer customer complaints than Progressive, according to the NAIC. But Progressive offers several coverage options that aren’t available from State Farm, including gap insurance, accident forgiveness and coverage for custom parts and equipment.
Average rates: Here's how Progressive's average rates compare to State Farm's average rates for common driver profiles:
Good driver with good credit: $2,228 from Progressive vs. $2,440 from State Farm
Good driver with poor credit: $3,577 from Progressive vs. $9,934 from State Farm
Driver with a recent at-fault accident: $3,338 from Progressive vs. $3,103 from State Farm
Driver with liability-only coverage: $650 from Progressive vs. $505 from State Farm
Here is how Progressive's average rates compare to the national average for common driver profiles:
| Driver profile | Progressive's average rate | National average rate |
|---|---|---|
| Clean driving record, good credit | $2,228 | $2,571 |
| One speeding ticket, good credit | $2,936 | $3,257 |
| One at-fault crash, good credit | $3,338 | $3,798 |
| One DUI, good credit | $3,010 | $4,841 |
| Clean driving record, poor credit | $3,577 | $4,285 |
Most optional types of car insurance coverage cost extra, but some may be included at no additional charge depending on the insurer and the details of your policy. So if you're interested in rideshare or gap coverage, you should keep that in mind when you compare quotes from different insurers.
How does State Farm car insurance compare?
State Farm
- Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
- Generous rental car and travel expenses coverage.
- Above average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
State Farm is a good pick for: Drivers who prioritize a great mobile experience and high customer satisfaction.
Relative to its size, State Farm had the fewest complaints reported to state regulators out of the four insurers, according to the NAIC. State Farm also outscored Allstate, GEICO and Progressive on J.D. Power’s 2024 Auto Claims Satisfaction Survey and has the highest combined app ratings for iOS and Android devices.
State Farm vs. Allstate
Both State Farm and Allstate received fewer complaints than expected for companies of their size, according to the NAIC. But while Allstate offers some coverage types that State Farm doesn't — such as pay-per-mile and accident forgiveness — State Farm tends to be more affordable and provide a better mobile app experience.
Average rates: Here's how State Farm's average rates compare to Allstate's average rates for common driver profiles:
Good driver with good credit: $2,228 from State Farm vs. $3,919 from Allstate
Good driver with poor credit: $3,577 from State Farm vs. $6,103 from Allstate
Driver with a recent at-fault accident: $3,338 from State Farm vs. $6,213 from Allstate
Driver with liability-only coverage: $650 from State Farm vs. $846 from Allstate
State Farm vs. GEICO
State Farm outranked GEICO in customer satisfaction and mobile user-friendliness, but GEICO is the better pick if you want more available discounts and cheaper rates for some driver profiles. Additionally, State Farm only offered two of the eight optional coverage types we tracked, compared to GEICO’s four.
Average rates: Here's how State Farm's average rates compare to GEICO's average rates for common driver profiles:
Good driver with good credit: $2,440 from State Farm vs. $2,275 from GEICO
Good driver with poor credit: $9,934 from State Farm vs. $3,211 from GEICO
Driver with a recent at-fault accident: $3,103 from State Farm vs. $3,898 from GEICO
Driver with liability-only coverage: $505 from State Farm vs. $492 from GEICO
State Farm vs. Progressive
State Farm and Progressive are the most mobile user-friendly companies out of these four options, so you should consider other factors when comparing them.
For example, State Farm received fewer customer complaints than Progressive. However, State Farm only offers two of the eight optional coverage types we included in our comparisons, while Progressive offers six of the eight, including gap coverage and accident forgiveness.
Average rates: Here's how State Farm's average rates compare to Progressive's average rates for common driver profiles:
Good driver with good credit: $2,440 from State Farm vs. $2,228 from Progressive
Good driver with poor credit: $9,934 from State Farm vs. $3,577 from Progressive
Driver with a recent at-fault accident: $3,103 from State Farm vs. $3,338 from Progressive
Driver with liability-only coverage: $505 from State Farm vs. $650 from Progressive
Here is how State Farm's average rates compare to the national average for common driver profiles:
| Driver profile | State Farm's average rate | National average rate |
|---|---|---|
| Clean driving record, good credit | $2,440 | $2,571 |
| One speeding ticket, good credit | $2,838 | $3,257 |
| One at-fault crash, good credit | $3,103 | $3,798 |
| One DUI, good credit | $3,616 | $4,841 |
| Clean driving record, poor credit | $9,934 | $4,285 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Compare coverage options from each insurer
If you want to add a particular type of insurance coverage, you may find it with some companies and not others. We identified eight different optional coverage types and looked to see whether Allstate, GEICO, Progressive and State Farm carried them.
Company | Coverage options |
|---|---|
Allstate 4.5NerdWallet rating |
|
GEICO 4.5NerdWallet rating |
|
Progressive 5.0NerdWallet rating |
|
State Farm 5.0NerdWallet rating |
|
Bundling your insurance policies
Comparing car insurance companies is the best way to find out if an insurer is right for you. And those comparisons are especially important if you're interested in bundling policies or purchasing other products from the same company.
Here are NerdWallet's reviews of different insurance products from Allstate, GEICO, Progressive and State Farm:
Allstate | GEICO | Progressive | State Farm |
|---|---|---|---|
Frequently asked questions
Who are the top five insurance companies?
Who are the top five insurance companies?
The five largest car insurance companies in the nation are State Farm, GEICO, Progressive, Allstate and Liberty Mutual, according to the NAIC’s 2024 market share report.
Which insurance company is best at paying claims?
Which insurance company is best at paying claims?
Of the four largest insurers, State Farm has the highest ranking for customer satisfaction with auto claims based on a 2024 J.D. Power auto insurance claims satisfaction study.
Is State Farm cheaper than GEICO?
Is State Farm cheaper than GEICO?
Average annual car insurance rates for good drivers are cheaper from GEICO than from State Farm, according to NerdWallet’s 2025 rates analysis. These are only averages, however. Factors like your age, gender, location and vehicle affect your rates, so you should always shop around to find the lowest price for you.
Is GEICO a good insurance company?
Is GEICO a good insurance company?
GEICO ranked among the best car insurance companies, according to NerdWallet's 2025 analysis. GEICO also has some of the cheapest rates for certain driver profiles among the nation’s largest insurers. But only you can determine if GEICO’s offerings are the best match for your needs.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.National Association of Insurance Commissioners. 2024 Property/Casualty Market Share Report. Accessed Jul 11, 2025.
- 2.J.D. Power. 2024 U.S. Auto Claims Satisfaction Study. Accessed Jul 15, 2025.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2025 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
