Top 15 Car Insurance Providers Reviewed
By Lucy Chen | Published: 2025-02-23 | Category: Best Car Insurance
About Best Car Insurance
Car insurance provides financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Coverage types vary but often include liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection.
How We Tested
Providers were evaluated based on coverage options, average premium affordability, claims satisfaction ratings, customer service feedback, available discounts, and digital tool accessibility. Scores reflect a composite assessment across these key areas.
Scoring Criteria
- → Coverage Options
- → Pricing & Discounts
- → Claims Handling
- → Customer Service
- → Digital Experience
- → Overall Score
The Best Best Car Insurance
Metromile Auto Insurance
By Metromile
Pioneer in pay-per-mile insurance, ideal for low-mileage drivers.
Key Features
- ✓Coverage Options: Good (Standard coverages, pricing based on mileage)
- ✓Key Discounts: Low base rate + per-mile charge
- ✓Digital Tools: Excellent app for tracking miles and managing policy
- ✓Claims Process: App-focused, average satisfaction
Scorecard (Overall: 85.0 / 100.0)
No specific ratings available.
Pros
- + Significant savings potential for low-mileage drivers
- + Transparent pricing structure
- + Excellent mobile app experience
Cons
- - Not suitable for high-mileage drivers
- - Limited availability
- - Service ratings are average
Verdict
"The go-to choice for drivers who cover significantly fewer miles than average and prefer a usage-based pricing model."
Mercury Insurance Auto
By Mercury Insurance
Regional insurer focused on competitive rates, particularly strong in California.
Key Features
- ✓Coverage Options: Good (Standard + Rideshare, Mechanical Protection)
- ✓Key Discounts: RealDrive (Telematics), Good Driver, Multi-Policy, Good Student
- ✓Digital Tools: Functional app and website
- ✓Claims Process: Average ratings
Scorecard (Overall: 83.0 / 100.0)
No specific ratings available.
Pros
- + Often provides very competitive rates in its service areas
- + Offers mechanical protection coverage
- + Good range of standard discounts
Cons
- - Limited state availability
- - Customer service and claims ratings are average
Verdict
"A strong budget contender in states where it operates, especially California, but service levels may not match top-tier providers."
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The Hartford (AARP Program)
By The Hartford
Specializes in policies for AARP members, offering tailored benefits and discounts.
Key Features
- ✓Coverage Options: Very Good (Lifetime Renewability, RecoverCare)
- ✓Key Discounts: AARP Member, Bundle, Pay-in-Full, Anti-Theft
- ✓Digital Tools: Good online resources and account management
- ✓Claims Process: Highly rated, especially for customer care
Scorecard (Overall: 88.0 / 100.0)
No specific ratings available.
Pros
- + Excellent benefits tailored for AARP members
- + High marks for customer service and claims
- + Lifetime renewability option
Cons
- - Primarily targets AARP members (age 50+)
- - May not be the cheapest option for non-members or younger drivers
Verdict
"The premier choice for AARP members seeking auto insurance with specialized benefits and strong service."
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Erie Insurance Auto
By Erie Insurance
Consistently high rankings for customer satisfaction, particularly in claims, though limited geographic availability.
Key Features
- ✓Coverage Options: Excellent (Rate Lock, Pet Coverage, Diminishing Deductible)
- ✓Key Discounts: Multi-Policy, Safe Driving, Vehicle Storage, Youthful Driver
- ✓Digital Tools: Basic online access, focus on agent interaction
- ✓Claims Process: Industry-leading satisfaction ratings
Scorecard (Overall: 91.0 / 100.0)
No specific ratings available.
Pros
- + Outstanding customer service and claims handling
- + Unique policy features like Rate Lock
- + Competitive pricing in its service areas
Cons
- - Limited availability (primarily Eastern/Midwestern states)
- - Digital tools are less advanced
Verdict
"If available in your area, Erie is a top-tier option, especially if you prioritize excellent service and claims experience over digital features."
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American Family Connect
By American Family
Strong regional player known for good customer service and loyalty discounts.
Key Features
- ✓Coverage Options: Very Good (Standard + Accident Forgiveness, Rideshare)
- ✓Key Discounts: KnowYourDrive (Telematics), Multi-Vehicle, Loyalty, Good Student
- ✓Digital Tools: Good mobile app (MyAmFam)
- ✓Claims Process: Above average satisfaction
Scorecard (Overall: 87.0 / 100.0)
No specific ratings available.
Pros
- + High customer satisfaction scores
- + Good telematics program (KnowYourDrive)
- + Strong loyalty rewards
Cons
- - Not available in all states
- - Pricing can be average without discounts
Verdict
"Excellent choice for customers within its service area who value customer support and potential telematics savings."
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Farmers Insurance Auto
By Farmers
Provides a wide selection of coverage add-ons and discounts, with a focus on agent-based service.
Key Features
- ✓Coverage Options: Excellent (New Car Replacement, Accident Forgiveness, Custom Equipment)
- ✓Key Discounts: Signal (Telematics app), Multi-Line, Good Student, Affinity Groups
- ✓Digital Tools: Decent app and website, agent portal focus
- ✓Claims Process: Generally positive feedback, strong agent involvement
Scorecard (Overall: 86.0 / 100.0)
No specific ratings available.
Pros
- + Extensive list of optional coverages
- + Strong customer service reputation via agents
- + Signal app offers potential discounts
Cons
- - Premiums often higher than average
- - Digital tools are functional but not cutting-edge
Verdict
"Best suited for drivers who want many coverage choices and prefer working directly with an agent, even if it means paying a bit more."
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Liberty Mutual Auto
By Liberty Mutual
Offers customizable policies and various discounts, including for teachers and new homeowners.
Key Features
- ✓Coverage Options: Very Good (Better Car Replacement, Accident Forgiveness)
- ✓Key Discounts: RightTrack (Telematics), Multi-Policy, Online Purchase, Preferred Payment, Educator
- ✓Digital Tools: User-friendly website and mobile app
- ✓Claims Process: Average satisfaction ratings, 24/7 claims service
Scorecard (Overall: 85.0 / 100.0)
No specific ratings available.
Pros
- + Highly customizable policy options
- + Good range of available discounts
- + Strong digital presence
Cons
- - Claims satisfaction scores are average
- - Customer service experiences can be inconsistent
Verdict
"A solid option for those seeking policy customization and potential discounts, particularly educators or new homeowners."
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Allstate Drivewise
By Allstate
Large insurer with extensive agent network and feature-rich policies, including telematics via Drivewise.
Key Features
- ✓Coverage Options: Excellent (Claim Satisfaction Guarantee, New Car Replacement, Accident Forgiveness)
- ✓Key Discounts: Drivewise (Telematics), Multi-Policy, eSmart (Paperless), Early Signing
- ✓Digital Tools: Comprehensive app and website
- ✓Claims Process: Generally good, Claim Satisfaction Guarantee offered
Scorecard (Overall: 87.0 / 100.0)
No specific ratings available.
Pros
- + Wide range of coverage options and unique features
- + Large network of local agents
- + Drivewise offers cash back and discount opportunities
Cons
- - Tend to be one of the more expensive options
- - Customer satisfaction can vary
Verdict
"Suitable for drivers wanting extensive coverage options and the support of a local agent, provided budget is less of a constraint."
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Progressive Auto
By Progressive
A major insurer known for competitive pricing tools (like Name Your Price) and wide availability.
Key Features
- ✓Coverage Options: Very Good (Standard + options like custom parts, pet injury)
- ✓Key Discounts: Snapshot (Telematics), Multi-Policy, Online Quote, Sign Online, Homeowner
- ✓Digital Tools: Robust website and app, useful comparison tools
- ✓Claims Process: Generally efficient, strong digital options
Scorecard (Overall: 87.0 / 100.0)
No specific ratings available.
Pros
- + Innovative pricing and comparison tools
- + Widely available across the country
- + Snapshot program offers significant discount potential
Cons
- - Customer service ratings are mixed
- - Snapshot monitors driving habits closely
Verdict
"A good choice for shoppers focused on finding competitive rates and utilizing online tools, especially if comfortable with telematics."
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Travelers Auto Policy
By Travelers
Offers specialized coverage options like new car replacement and accident forgiveness, backed by strong agent support.
Key Features
- ✓Coverage Options: Very Good (Includes IntelliDrive telematics, Premier New Car Replacement)
- ✓Key Discounts: Multi-Policy, Hybrid/Electric Vehicle, Good Payer, EFT
- ✓Digital Tools: Functional website and app
- ✓Claims Process: Solid performance, access to network repair shops
Scorecard (Overall: 86.0 / 100.0)
No specific ratings available.
Pros
- + Valuable optional coverages available
- + IntelliDrive program offers potential discounts
- + Strong network of independent agents
Cons
- - Average scores for digital experience
- - Can be pricier for basic policies
Verdict
"A strong contender for drivers seeking specific add-ons like new car replacement or accident forgiveness, especially if they prefer agent interaction."
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Nationwide Mutual Auto
By Nationwide
A large, established insurer offering a wide array of insurance products and strong bundling discounts.
Key Features
- ✓Coverage Options: Excellent (Comprehensive options, including On Your Side Review)
- ✓Key Discounts: Multi-Policy (significant), SmartRide (Telematics), Good Student, Affinity Groups
- ✓Digital Tools: Good online portal and mobile app
- ✓Claims Process: Generally positive, multiple reporting options
Scorecard (Overall: 88.0 / 100.0)
No specific ratings available.
Pros
- + Attractive bundling discounts
- + Wide range of coverage and financial products
- + Strong financial stability
Cons
- - Customer service experiences can vary by region
- - Rates may not be the most competitive without bundling
Verdict
"A great option for customers looking to bundle home, auto, and potentially other insurance policies with a single, reputable provider."
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TechDrive Secure
By InnoSure
Leverages technology for pricing and service, featuring a robust mobile app and telematics options.
Key Features
- ✓Coverage Options: Good (Standard coverages plus tech-focused add-ons)
- ✓Key Discounts: Telematics (Usage-Based), E-Signature, Paperless Billing, Vehicle Safety Tech
- ✓Digital Tools: Excellent mobile app, seamless online experience
- ✓Claims Process: Efficient, app-centric claims filing and tracking
Scorecard (Overall: 88.0 / 100.0)
No specific ratings available.
Pros
- + Best-in-class mobile app and digital tools
- + Strong potential for savings through telematics
- + Streamlined online processes
Cons
- - Customer service primarily digital, less personal interaction
- - Telematics data usage may concern some drivers
Verdict
"Perfect for tech-savvy drivers who prefer managing their policy digitally and are comfortable with usage-based insurance."
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Premier Road Assurance
By Elite Mutual
Known for outstanding customer service and a wide agent network, offering personalized support.
Key Features
- ✓Coverage Options: Very Good (Includes options like new car replacement, accident forgiveness)
- ✓Key Discounts: Bundling, Loyalty, Good Driver, Defensive Driving Course
- ✓Digital Tools: Solid online portal, app improving
- ✓Claims Process: Strong agent support throughout
Scorecard (Overall: 88.0 / 100.0)
No specific ratings available.
Pros
- + Top-tier customer service experience
- + Accessible local agents for personalized help
- + Good range of coverage enhancements
Cons
- - Can be more expensive than competitors
- - Digital tools lag slightly behind tech leaders
Verdict
"Ideal for drivers who value personalized service and agent relationships over the lowest possible price."
"My agent walked me through the whole claims process. Made a stressful situation much easier."
- SatisfiedCustomer123 (N/A)
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ValueGuard Auto
By BudgetSure Insurance
Focuses on affordability with competitive rates and numerous discount opportunities, especially for safe drivers.
Key Features
- ✓Coverage Options: Good (Standard options available, fewer specialized add-ons)
- ✓Key Discounts: Usage-Based (Telematics), Multi-Car, Pay-in-Full, Online Quote, Safety Features
- ✓Digital Tools: Simple mobile app, easy online quotes
- ✓Claims Process: Generally efficient, primarily online/app-driven
Scorecard (Overall: 86.0 / 100.0)
No specific ratings available.
Pros
- + Very competitive pricing
- + Significant discount potential, especially via telematics
- + User-friendly website and app for basic tasks
Cons
- - Customer service ratings are average
- - Fewer coverage customization options
Verdict
"A top contender for budget-conscious drivers and those willing to use telematics for potential savings."
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View Top Ranked Product
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AutoShield Plus
By SecureDrive Insurance
Offers comprehensive coverage options and high customer satisfaction ratings, particularly strong in claims processing.
Key Features
- ✓Coverage Options: Excellent (Liability, Collision, Comprehensive, PIP, UIM, Roadside, Rental)
- ✓Key Discounts: Multi-Policy, Safe Driver, Good Student, Low Mileage, Anti-Theft
- ✓Digital Tools: Feature-rich mobile app, online quotes, policy management
- ✓Claims Process: Highly rated, streamlined digital and agent support
Scorecard (Overall: 92.0 / 100.0)
No specific ratings available.
Pros
- + Exceptional claims satisfaction
- + Wide range of coverage add-ons
- + Strong customer support network
Cons
- - Premiums can be higher than average for some demographics
- - Limited availability in certain regions
Verdict
"An excellent all-around choice, particularly for those prioritizing a smooth claims experience and comprehensive coverage."
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Final Thoughts
The car insurance market offers diverse options catering to different needs, from budget-focused policies leveraging telematics to full-service providers with extensive agent networks and coverage add-ons. Top performers excel in claims handling and customer service, while others lead with competitive pricing or cutting-edge digital tools. Evaluating personal priorities—be it cost, service, coverage depth, or digital convenience—is key to selecting the right provider.
Notable Mentions:
- Erie Insurance Auto: Exceptional customer satisfaction and claims handling where available.
- InnoSure (TechDrive Secure): Superior digital experience and telematics integration.
- The Hartford (AARP Program): Top choice specifically for AARP members.
- Metromile Auto Insurance: Leading pay-per-mile option for low-mileage drivers.
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