Best Insurance Providers of 2025

Your shortcut to the best insurance providers for you

Our Nerds researched more than 100 insurance products, narrowing down to just one winner per category.

Find a top insurance provider — fast

Click the categories you’re interested in to see the winners.

BEST BUDGET-FRIENDLY AUTO INSURANCE 2025

GEICO

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NAIC complaints

Close to expected

Ease of use

Above average

Discounts

Great set of discounts

Pros

Robust website and mobile app.
Many discounts available.

Cons

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.

WHY OUR NERDS LOVE IT

Geico has the cheapest rates in more states than any other widely available insurer. A different insurer might be cheapest in your state.

Read our methodology ❯

BEST BUDGET-FRIENDLY HOMEOWNERS INSURANCE 2025

Travelers

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NAIC complaints

Fewer than expected

Coverage options

About average

Discounts

Average set of discounts

Pros

User-friendly features on website and app.
Discounts for eco-friendly homeowners.
Draws fewer consumer complaints than expected for a company of its size.

Cons

Doesn’t insure mobile or manufactured homes.

WHY OUR NERDS LOVE IT

Once again, Travelers has the cheapest homeowners insurance rates in more states than any other widely available carrier. A different insurer might be cheapest in your state.

Read our methodology ❯

Best Pet Insurance for Comprehensive Coverage 2025

ASPCA

NerdWallet rating

5.0

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on ASPCA

Annual max coverage

Unlimited

Reimbursement rates

70%, 80%, 90%

Deductibles

$100, $250, $500

Policy highlight

Broader coverage than most other plans

Pros

Covers horses in addition to cats and dogs.
Standard plans cover alternative therapies, behavioral issues and congenital conditions.
Shorter waiting period than most plans for cruciate injuries (14 days).

Cons

You must call, rather than get an online quote, if you’re interested in unlimited annual coverage.

WHY OUR NERDS LOVE IT

ASPCA's standard pet insurance policy is more generous than most, with coverage for vet exam fees, alternative therapies, behavioral issues and prescription food and supplements.

Read our methodology ❯

BEST SAME-DAY TERM LIFE INSURANCE 2025

Lemonade

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on Lemonade

Financial strength rating

Exceptional

NAIC complaints

Fewer than expected

Policies offered

Term & no-exam

Online purchase

Yes

Pros

Wide range of term lengths available.
Policies can be issued within minutes.
Qualifying applicants can get millions in coverage online.

Cons

Policies aren’t available nationwide.
Coverage can’t be converted to permanent life insurance.

WHY OUR NERDS LOVE IT

Lemonade sells term life insurance via a user-friendly digital application. Eligible applicants can get up to $1.5 million in coverage online, one of the reasons it’s a repeat winner for this category.

Read our methodology ❯

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Frequently asked questions

NerdWallet's award winners are chosen through a rigorous evaluation process involving 44 writers and editors. NerdWallet's ratings formulas for credit cards, for example, consider the type of card being reviewed (such as cash back, travel, or balance transfer) and the card's rates, fees, rewards, and other features. For mortgages, we evaluate loan average rates and fees, loan types and products, online rate information, ease of application and other factors. For more info, see our methodologies.

Our team of nerdy experts is composed of writers and editors — based all across the country — who have a combined 546 years of journalistic experience reviewing and writing about personal finance products for consumers.

Yes. Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.

Nope. Editorial team members are solely responsible for creating all product reviews and ratings, and these assessments reflect their opinions alone. Only products that meet the editorial team’s standards appear in our Best-Of Awards lists, meaning no company can “buy” an award.

Our Best-Of Awards are given annually to the top financial products on the market. Our other “best” articles may:

• be longer than our Best-Of Awards list
• offer additional consumer choices
• get updated as products change or are discontinued and as new products emerge

This year's Best-Of-Awards list winners were chosen in mid-October 2024.

Frequently asked questions

Yes. Writers and editors use comprehensive scoring formulas that assess each financial product’s key features, weighting them according to their importance to consumers.