Why Trust Us
The methodology for 360 Reviews by U.S. News & World Report is to evaluate products and services from multiple, diverse vantage points. We make recommendations based on a consensus about what matters to consumers, experts, and the community of professional reviewers. We don’t tell you what our investigators think about a product. Instead, we convey what’s most important based on an unbiased look at the viable products you should consider.
How it Works?
Answer a few questions about yourself and your vehicle.
Compare competitive rates from top car insurance companies.
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Who are the top car insurance companies?
We surveyed nearly 10,000 policyholders across the nation and found that the following insurers represent the top car insurance companies:
Who has the best car insurance?
USAA and American Family are the best auto insurance companies, according to our most recent data analysis. USAA has the highest overall score in our customer survey and also ranks first in nearly every subrating we analyzed. It also has the lowest rates among the car insurers included in our study.
USAA products are only available to members of the military community. Drivers who don’t fit into that category are likely to find the best coverage through American Family, which has the second-highest score in our survey and rates that are lower than the national average.
Other insurers that have above-average survey scores include State Farm, Nationwide and Geico.
Which car insurance is the cheapest?
USAA has the cheapest car insurance, according to our 2023 study. Its average rate is $1,022 a year, which is $525 less than the national average. Drivers who don’t qualify for coverage through USAA are likely to find the lowest rates with Geico. Geico’s average rate is $1,250 a year, which beats the national average by $297.
Keep in mind that an insurer’s average rate may not reflect your own. The best way to find the lowest rates available to you is to get and compare quotes from several insurers.
How can I find the best price on car insurance?
To find the best rate on car insurance, the International Insurance Institute (III) recommends that consumers get quotes from at least three insurers. As you shop for coverage, be sure to compare quotes for the same amount and type of coverage.
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