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The Best Car Insurance Companies of 2023

Not all car insurance companies are created equal. We surveyed more than 10,000 drivers to learn more about their car insurance experience, focusing on key areas like customer service, claims handling, and customer loyalty. Using that data, we rated the best car insurance companies of 2023 to help you find the best one.

What Is the Best Car Insurance Company?

According to our 2022 data, the best car insurance company is USAA, but its insurance products are only available to members of the military community. If that doesn’t apply to you, the next best option is State Farm, which holds the No. 2 spot in our analysis.

To determine the best car insurance companies, we analyzed rates data as well as feedback from policyholders, with specific attention to customer service, claims handling, customer loyalty, and policy renewal. We also asked survey participants how likely they were to recommend their existing insurer to a driver shopping for a new policy.

If you’re looking for auto insurance, this list can help you compare insurers based on the factors that matter most to you. Though USAA and State Farm lead the pack, you may find a better fit with one of the other eight companies in our rating. As such, it’s a good idea to compare several insurers and their rates before you purchase or renew your policy.

Top Rated Car Insurance Companies

RankCompanyRatingAverage Annual RateLearn More
1USAA4.3U.S. News Rating$1,000Compare Quotes »
2State Farm4.2U.S. News Rating$1,267Compare Quotes »
3Farmers4.1U.S. News Rating$1,917Compare Quotes »
3Nationwide4.1U.S. News Rating$1,327Compare Quotes »
3Geico4.1U.S. News Rating$1,148Compare Quotes »


1. USAA 

4.3U.S. News Rating

USAA is the best insurance company in our ratings. According to our 2023 survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers. USAA also has the lowest rates in our study, beating the national average by 35%.

USAA insurance products, including auto, homeowners, and renters policies, are only available to members of the military community. As such, not all drivers will be eligible for coverage through this insurer.

Learn more in our USAA review.

2. State Farm

4.2U.S. News Rating

State Farm is No. 2 in our rating and has above-average scores in each of our subratings including Claims Handling and Customer Loyalty. It also did well in our Cheapest Car Insurance Companies of 2023 rating. Its average premiums for drivers with less than pristine driving records were the lowest in our rating for those unable to get a policy from USAA.

Learn more in our State Farm review.

3. Farmers

4.1U.S. News Rating

Farmers ties for No. 3 in our rating and ties for top places in many of our subratings. It holds ties for No. 1 in Claims Handling and No. 2 in Customer Service and Customer Loyalty. Farmers loses points compared to other insurers in our rating is for Most Likely to be Renewed, where its score of 4.0 is below the category average of 4.2. It also has one of the most expensive average annual rates of the companies that made our ratings.

Learn more in our Farmers review.

3. Nationwide

4.1U.S. News Rating

Nationwide moved up two spots since our 2021 analysis, tying for the No. 3 spot. Nationwide has the second-highest scores in our Customer Loyalty and Most Likely to be Recommended subratings and above-average scores in each of the other subrating categories. Nationwide also has below-average rates for some drivers, especially those with a good driving record or poor credit.

Learn more in our Nationwide review.

3. Geico

4.1U.S. News Rating

Geico is tied for the third spot in our rating of the Best Car Insurance Companies of 2023, with average scores across a range of categories, such as Claims Handling, Customer Service and Customer Loyalty. It also ranks second on our list of Cheapest Car Insurance Companies of 2023, with some of the most affordable average rates for teen and senior drivers, and those with poor credit.

Learn more in our Geico review.

6. Allstate

4.0U.S. News Rating

Moving up three spots to tie at No. 6 in this year’s Best Car Insurance Companies rating, Allstate is also ranked No. 4 in our Most Likely To Be Recommended subrating, although the company received slightly below-average scores in most of our other subrating categories. Its rates are among the highest in our analysis, but Allstate may offer a competitive rate for certain drivers, such as those with a speeding violation on their driving record.

Learn more in our Allstate review.

6. Travelers

4.0U.S. News Rating

Travelers also had some upward movement this year, moving up two spots and tying for the No. 6 position. Travelers’ customer service score is lower than seven other insurers in our analysis, but it takes the No. 1 spot in our Claims Handling subrating category and the No. 3 spot for Most Likely to Be Renewed category. Travelers also receives an above-average score for policy renewal and offers premiums that are typically lower than the national average.

Learn more in our Travelers review.

8. Progressive

3.9U.S. News Rating

Progressive takes the No. 8 spot in our analysis. Overall, customers are generally satisfied with the ease of opening a policy, but Progressive places last in our Best for Customer Loyalty category and has below-average scores in every other subrating in our survey. Progressive customers also report being less likely to renew their policy or recommend the insurer to other drivers. However, persons with a DUI may be able to unlock savings with Progressive. Its rates for those drivers are among the lowest in our study.

Learn more in our Progressive review.

8. AAA

3.9U.S. News Rating

AAA is new to our Best Car Insurance Companies rating, and it ties with Progressive for the No. 8 spot. Its scores are below average in each category we analyzed. It does, however, take the No. 6 spot in our Most Likely to be Renewed subrating, beating Allstate, Farmers, Progressive, and American Family. AAA also has the highest average premiums in our study, but drivers considering AAA should get a quote to determine if their individual rate is more competitive.

Learn more in our AAA review.

10. American Family 

3.7U.S. News Rating

American Family dropped four spots this year and ranks No. 10 in our analysis. Its scores are the lowest in most subrating categories, though American Family has a slightly higher score than Progressive in our Best for Customer Loyalty category. Despite low scores, American Family does offer competitive rates for some drivers, especially teen drivers, drivers with poor credit, and drivers with an accident or DUI on their record.

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