The best auto insurance companies on the market not only offer great coverage and affordable payments, but also have a simple claims process, easy-to-use technology, and a great customer service experience.

Choosing the best auto insurance provider can be difficult. That's why we selected the top 9 auto insurance companies in the industry. In this article, we'll review company reputation, availability, coverage options, discounts, and customer experience, and detail the top five auto insurance providers.

After thoroughly researching the auto insurance market, 9 companies stood out from the competition as the best auto insurance providers. When ranking them, state availability, breadth of coverage, prices, and satisfaction scores from different experts were considered.

We also took into account AM Best's financial strength ratings and the volume of complaints as reported by the National Association of Insurance Commissioners (NAIC).

car insurance companies

American Family: Best for Low ComplaintsAuto-Owners: The best cost for drivers who have caused an accidentNationwide: Good for usage-based or mileage-based insuranceUSAA: Best for Military and VeteransGeico: Best Overall Auto Insurance RatesTravelers: The best price for Gap insuranceWestfield: The best discounts for familiesErie: Top Rated Collision Repair ProfessionalsProgressive: Better price for drivers with DUIState Farm: Best Renewal Discount

The best car insurance companies

Here is a list of the best car insurance companies:

American Family

American Family has a solid line of auto insurance coverage types along with a very low level of complaints against the company. So they stand out with average auto insurance rates.

Average annual cost for good drivers

$2,176

Average annual cost of drivers fined for speeding

$2,536

complaint level

very low

Advantages

American Family has a very low level of complaints to state insurance departments.The costs are decent for drivers with a DUI.Will file SR-22 when required.Offers accident forgiveness and vanishing deductible.New car owners can opt for deficit insurance from American Family.Offers a usage-based insurance program (KnowYourDrive) for good drivers.Offers auto insurance coverage for non-owners.Lyft and Uber drivers can get rideshare insurance with American Family.

Disadvantages

You only have average auto insurance costs for good drivers.The costs for adding a teen driver to a parent's policy are regular.Car insurance costs for young drivers and older drivers are bad.American Family is only available in 19 states.

Auto-Owners Insurance

Auto-Owners Insurance has several optional coverage options, claims process, low claims level and competitive prices.

Average annual cost for good drivers

$1,628

Average annual cost of drivers fined for speeding

$2,250

complaint level

Low

Advantages

Great auto insurance costs for drivers who have caused an accident.Offers accident forgiveness and a decreasing deductible.It offers a discount of 14%, on average, for paying in full for a car insurance policy.Gap insurance and new car replacement coverage are available.Good drivers can try Auto-Owners' usage-based insurance program (TrueRide).It received high marks from collision experts on its claim process.

Disadvantages

There are cheaper car insurance offers if you have a DUI or bad credit.The costs to add a teen driver are average.Drivers who require SR-22 filing will have to look into other insurance.

Nationwide

Nationwide offers good auto insurance rates for various types of drivers and many extra coverages. The level of complaints against you for auto insurance is very low. Nationwide offers a usage-based insurance program and a pay-per-mile option for drivers based on actual driving.

Average annual cost for good drivers

$2,041

Average annual cost of drivers fined for speeding

$2,439

complaint level

very low

Advantages

Offers a usage-based insurance program (SmartRide) for good drivers.Offers a pay-per-mile (SmartMiles) insurance program for low-mileage drivers.Pretty good insurance rates when adding a teen driver to a parent policy.Affordable premiums for drivers with bad credit.Offers accident forgiveness, new car replacement, and disappearing deductible options to add to a policy.

Disadvantages

High auto insurance costs for drivers who caused an accident with injuries.Auto insurance rates for drivers with DUI are higher.No rideshare insurance coverage is offered.

USAA

USAA has affordable auto insurance costs for drivers with many types of driving records. You must be a member of the military, veteran, or military family member to be eligible for USAA auto insurance.

Average annual cost for good drivers

$1,412

Average annual cost of drivers fined for speeding

$1,709

complaint level

Average

Advantages

Low costs not only for good drivers but also for those who have had an accident, ticket or DUI on their records.It also offers good rates for seniors and young drivers.Offers new car replacement.Offers a rideshare insurance coverage option.It has a usage-based insurance program (SafePilot).

Disadvantages

Not all cars qualify for coverage. It only offers policies to veterans and active members of the armed forces and their families.USAA's average package discount for auto and home insurance is quite low, just 6%.There are cheaper auto insurance options if you are adding a teen to a policy.It does not offer gap insurance.

Geico

Geico has fairly competitive auto insurance rates for many types of drivers.

Average annual rate for good drivers

$1,716

Average annual rate of drivers with a speeding ticket

$2,098

complaint level

Average

Advantages

It offers great auto insurance rates for good drivers and also for people who have a speeding ticket, bad credit, or were driving without insurance.It offers great rates for seniors and young drivers.Offers accident forgiveness.Offers a usage-based insurance program (DriveEasy) for good drivers.

Disadvantages

Geico auto insurance prices for drivers with a DUI are regular.If you want to replace a new car, this insurance is not for you.Geico's average discount for bundling auto and home insurance is a very low 8%.