8 Best Car Insurance Companies of 2024

Travelers tops our list of the best insurance companies for 2024, followed by Auto-Owners and American Family.
Ryan Brady
Kayda Norman
By Kayda Norman and  Ryan Brady 
Updated

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Our analysis found that Travelers is the best car insurance company overall, while NJM tops our list as the best auto insurance company for affordability.

Table of Contents

We analyzed dozens of auto insurance companies to find the standouts featured on this list. Each company was categorized based on its best offering compared to other insurance companies.

The best car insurance

Travelers is the best car insurance company according to NerdWallet’s 2024 analysis of 52 auto insurance companies in the U.S. Travelers offers a wide variety of coverage options, diverse set of discounts and a mobile app where drivers can file and track claims. But Travelers is not the only insurer that excels in these categories. Several other top insurance companies stood out in our analysis.

Here are the best car insurance companies in 2024:

The above average full coverage rates are for a 35-year old driver with a clean driving record and good credit. Rates vary widely depending on your age, driving history and level of coverage you select.

🤓Nerdy Tip

Did your premium go up? You're not alone. The best vehicle insurance companies are often among the cheapest, so compare quotes from a few of our top picks to see if you can get a better rate.

How we found the best auto insurance

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best insurance companies. As we continue to evaluate more insurance companies and receive fresh market data, this collection of best auto insurance companies is likely to change. See our full methodology for more details.

Our writers and editors follow strict editorial guidelines to ensure fair, unbiased and accurate information so you can choose the best insurance company for you. These company ratings are specific to auto insurance — a company's rating for other types of insurance may be different on our site.

See our criteria for how we evaluate auto insurance companies.

Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.

Best car insurance companies: Our winners

Here’s our list of the best auto insurance companies for each category, plus their average rates and why they’re the best.

Best insurance company overall: Travelers

Best Overall
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best Overall

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best:

Travelers tops our list as the company with the best overall score in 2024 out of the insurers we ranked. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.

You can get all the standard auto coverage options from Travelers, along with extras like new car replacement coverage and gap insurance, both of which are useful if you drive a relatively new vehicle. Travelers also offers a host of car insurance discounts.

Average cost of full coverage car insurance: $1,681

Driving record

Full coverage

Minimum coverage

Good driver

$1,681

$520

Driver with an at-fault accident

$2,376

$686

Driver with a recent DUI

$2,950

$884

Driver with a recent speeding ticket

$2,227

$660

» Read the full review: Travelers auto insurance review


Best insurance company for affordability: NJM

Best budget pick
insurance-product-card-logo

NJM

5.0

NerdWallet rating 
NJM is among our best car insurance companies for 2024, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best budget pick

NJM

5.0

NerdWallet rating 
NJM is among our best car insurance companies for 2024, but it is available in only five states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Why it’s the best:

New Jersey Manufacturers Insurance, or NJM, is the best car insurance company when it comes to your wallet. According to our analysis, NJM’s average rate for full coverage insurance is $119 per month, the lowest out of our list of the best car insurance companies. However, NJM auto insurance is only available in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. Drivers in other states may be able to find low rates with Auto-Owners or Travelers. These companies were runners-up in having the cheapest full coverage insurance among our list of best insurance companies.

Average cost of full coverage car insurance: $1,424

Driving record

Full coverage

Minimum coverage

Good driver

$1,424

$615

Driver with an at-fault accident

$1,545

$672

Driver with a recent DUI

$1,870

$824

Driver with a recent speeding ticket

$1,870

$824

» Read the full review: NJM auto insurance review


Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.

Best insurance company for accident forgiveness: Geico

Best For Accident Forgiveness
insurance-product-card-logo

Geico

5.0

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected
Best For Accident Forgiveness

Geico

5.0

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Why it’s the best:

Geico offers two potential ways to get accident forgiveness so your rates won’t increase and you won’t lose your good driver discount after a crash. You can earn it for free by remaining an accident-free Geico customer for five years, or you can pay for it. Accident forgiveness can be used for any eligible driver on your policy, but it isn’t available in California, Connecticut and Massachusetts.

Average cost of full coverage car insurance: $1,846

Driving record

Full coverage

Minimum coverage

Good driver

$1,846

$491

Driver with an at-fault accident

$3,112

$825

Driver with a recent DUI

$4,420

$1,113

Driver with a recent speeding ticket

$2,341

$619

» Read the full review: Geico auto insurance review


Best insurance company for having few customer complaints: American Family

Best for Having Few Complaints
insurance-product-card-logo

American Family

5.0

NerdWallet rating 
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected
Best for Having Few Complaints

American Family

5.0

NerdWallet rating 
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Why it’s the best:

American Family received far fewer customer complaints to state regulators for auto insurance than similar-size companies and had the lowest rate of complaints out of the insurers on our 2024 best companies list. The company spotlights its Facebook customer reviews on its main website. It also encourages customers to voice concerns and opinions through multiple customer support channels, including over the phone, email and site feedback.

Average cost of full coverage car insurance: $1,791

Driving record

Full coverage

Minimum coverage

Good driver

$1,791

$687

Driver with an at-fault accident

$2,642

$1,018

Driver with a recent DUI

$2,433

$889

Driver with a recent speeding ticket

$2,167

$832

» Read the full review: American Family auto insurance review


Best insurance company for financial strength: Auto-Owners

Best for Financial Strength
insurance-product-card-logo

Auto-Owners Insurance

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best for Financial Strength

Auto-Owners Insurance

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Why it’s the best:

A company’s financial strength is one of the most important factors to consider when choosing an insurer, since it indicates a company’s ability to pay a claim. For this category, NerdWallet leaned on AM Best’s financial strength rating, which measures an insurer’s ability to meet its policy and contract commitments. Auto-Owners exhibits a strong financial backing and ability to pay insurance claims.

Geico, State Farm, Travelers and USAA tied Auto-Owners for financial strength.

Average cost of full coverage car insurance: $1,477

Driving record

Full coverage

Minimum coverage

Good driver

$1,477

$374

Driver with an at-fault accident

$2,018

$519

Driver with a recent DUI

$3,014

$867

Driver with a recent speeding ticket

$1,968

$524

» Read the full review: Auto-Owners insurance review


Best insurance company for discounts: Amica

Best for Discounts
insurance-product-card-logo

Amica

5.0

NerdWallet rating 
High marks for customer satisfaction and low consumer complaints make Amica a great choice for good drivers.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Fewer than expected
Best for Discounts
insurance-product-card-logo

Amica

5.0

NerdWallet rating 
High marks for customer satisfaction and low consumer complaints make Amica a great choice for good drivers.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Fewer than expected

Why it’s the best:

If you’re looking to save on your auto policy, Amica may be worth a look. The company offers more discounts than most other insurers, including discounts for owning a home, insuring more than one vehicle, taking a defensive driving course and setting up automatic payments. Just keep in mind that the company with the most discounts will not necessarily be the cheapest. For that, check out NerdWallet's analysis of the cheapest car insurance.

American Family tied with Amica for the number of discounts drivers may qualify for.

Average cost of full coverage car insurance: $2,481

Driving record

Full coverage

Minimum coverage

Good driver

$2,481

$755

Driver with an at-fault accident

$3,222

$1,016

Driver with a recent DUI

$9,157

$2,566

Driver with a recent speeding ticket

$3,169

$982

» Read the full review: Amica auto insurance review


Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.

Best insurance company for customer satisfaction: State Farm

Best for Customer Satisfaction
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for Customer Satisfaction

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best:

The largest personal auto insurance company in the country, State Farm ranked No. 1 among eight large insurers in J.D. Power's 2023 U.S. Insurance Shopping Study

. The same year, it ranked No. 5 out of 24 companies in J.D. Power’s U.S. Auto Claims Satisfaction Study and first for overall satisfaction in the Southwest.

Average cost of full coverage car insurance: $1,976

Driving record

Full coverage

Minimum coverage

Good driver

$1,976

$471

Driver with an at-fault accident

$2,488

$615

Driver with a recent DUI

$2,940

$800

Driver with a recent speeding ticket

$2,237

$553

» Read the full review: State Farm auto insurance review


Best insurance company for military members: USAA

Best for Military members
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
USAA offers insurance to active military, veterans and their families only.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for Military members

USAA

5.0

NerdWallet rating 
USAA offers insurance to active military, veterans and their families only.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Why it’s the best:

USAA is the top auto insurance company for military members. Only available to active military, veterans and their families, the company has relatively low insurance rates and provides other financial solutions for qualifying customers, such as banking and investment products. USAA has high customer satisfaction ratings and offers a discount for storing your car on a military base.

Average cost of full coverage car insurance: $1,432

Driving record

Full coverage

Minimum coverage

Good driver

$1,432

$362

Driver with an at-fault accident

$2,041

$533

Driver with a recent DUI

$2,621

$670

Driver with a recent speeding ticket

$1,699

$432

» Read the full review: USAA auto insurance review

Full list of the best car insurance companies

If you’re looking for even more options, here’s a full list of the best insurance companies that earned a NerdWallet star rating of 4.5 or higher, along with their in-depth auto insurance reviews.

Company

Auto insurer ratings

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

Acuity

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating