Comparing rates and ratings for car insurance companies can help you find the best company for your needs. You can also tailor your quote by adding coverages. Some car insurance companies offer optional coverages that other companies don’t offer.
Compare cheapest car insurance companies
State Farm is the cheapest car insurance company for most drivers. It charges $124 a month for full-coverage car insurance, on average, and $50 a month for liability car insurance.
MMG is the cheapest car insurance company overall, but it only sells policies in eight states. Its rates average $31 a month for liability and $75 a month for full coverage.
| Company | Full coverage | Liability coverage |
| MMG | $902 | $375 |
| Concord | $977 | $478 |
| Texas Farm Bureau | $1,036 | $401 |
| USAA* | $1,199 | $398 |
| Erie | $1,270 | $497 |
| Island Insurance | $1,319 | $418 |
| Acuity | $1,361 | $478 |
| Hanover | $1,372 | $336 |
| Safety | $1,392 | $571 |
| Westfield | $1,481 | $439 |
| Pemco | $1,483 | $464 |
| State Farm | $1,487 | $597 |
| Mercury | $1,596 | $511 |
| Country Financial | $1,600 | $623 |
| Umialik | $1,602 | $598 |
| Arbella | $1,629 | $720 |
| Co-Op | $1,635 | $437 |
| Grange | $1,638 | $570 |
| Auto-Owners | $1,690 | $516 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Shelter | $1,927 | $762 |
| Farm Bureau | $1,931 | $548 |
| Geico | $1,937 | $727 |
| Grinnell Mutual | $2,015 | $421 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Plymouth Rock | $2,236 | $853 |
| Amica | $2,548 | $1,098 |
| Allstate | $2,609 | $1,158 |
| The Hartford | $2,688 | $1,007 |
| UAIC | $2,886 | $1,577 |
| Nodak | $2,917 | $553 |
| Safeway | $3,080 | $1,391 |
| Farmers | $3,091 | $1,188 |
| NJM | $3,382 | $3,125 |
| AAA | $3,835 | $1,520 |
Compare car insurance customer service ratings
State Farm, USAA and American Family all have great customer satisfaction ratings from J.D. Power. They also have low complaint index ratings from the National Association of Insurance Commissioners (NAIC) and great scores from LendingTree’s own ratings.
We rated car insurance companies based on their cost, discounts, coverage, usability and third-party ratings.
Sources: J.D. Power 2023 U.S. Auto Insurance Study (regional averages) and National Association of Insurance Commissioners (2022 data).
J.D. Power’s 2023 Auto Insurance study evaluates customer satisfaction based on the billing process, policy information, claims, interaction, policy offerings and price of insurance companies. Higher scores are better.
NAIC’s Complaint Index ratings measure complaints from insurance companies. A company with a lower score gets fewer complaints than expected of a company of its size.
Compare car insurance discounts
The price tied to your car insurance quote is only the beginning. Insurance companies can offer different types of discounts and savings. You may be able to make your policy cheaper if you qualify for one or more discounts.
Some of the most common car insurance discounts that could save you money are:
- Multi-policy discount: Many insurers will lower your premium if you bundle more than one policy with them. This could mean a car and home insurance policy, car and renters insurance, or even car and boat insurance. Some insurers call this a multiline or bundling discount.
- Multi-car discount: If you insure more than one vehicle with the same insurance company, you may get a discount.
- Anti-theft discount: You may earn a discount if your car has a theft-prevention device or system.
- Defensive driving discount: Some insurance companies will discount your rate if you take a defensive driving course. However, they often limit the discount to drivers 55 and older, so contact your insurer for more info.
- Good student discount: If you’re a student and get good grades, you might get a discount.
