How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- State Farm leads on agent service, with 19,000 agents, 96 million plus policies and accounts, and a TIME Best Auto Insurance Brand honor.
- GEICO leads on direct savings, with switchers saving over 900 dollars a year on average and a top-rated mobile app.
- USAA leads for military families, with switchers saving 960 dollars a year on average and award-winning service.
- Progressive leads for motorcycle and specialty coverage, claiming the number one motorcycle insurer spot in the US.
- Rates vary sharply by state, driver, vehicle, and coverage, so the cheapest company for one driver may be expensive for another.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 GEICO | Direct savings | See website | Free quote |
 Progressive | Specialty coverage | See website | Free quote |
 State Farm | Agent service | See website | Free quote |
 Allstate | Bundle savings | See website | Free quote |
 USAA | Military families | See website | Free quote |
 Liberty Mutual | Bundle savings | See website | Free quote |
 Nationwide | Mutual company | See website | Free quote |
 Farmers | Agent advice | See website | Free quote |
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The best motor insurance companies
Starting priceSee website
Free planFree quote
GEICO is a direct insurer built on affordable rates and digital service, with nine decades protecting drivers and a mobile app rated number one for managing policies. Drivers who switch to GEICO can save over 900 dollars a year on car insurance on average, and bundling policies adds extra savings. The app handles digital ID cards, claims, payments, emergency roadside service, and chat with a virtual assistant, backed by 24/7 support. GEICO suits drivers who want low prices and self-service digital tools.
What we like- Nine decades of experience
- Drivers who switch can save over 900 dollars a year
- Number one rated mobile app with digital ID cards, claims, payments, and roadside service
- 24/7 support
- Bundle savings across auto, home, and renters
- Coverage by state guides
Watch out for- Homepage savings figures are averages, not guarantees
- Direct model means less local agent contact than State Farm or Farmers
Starting priceSee website
Free planFree quote
Progressive has built its business since 1937 around understanding what customers need to protect, offering customized auto coverage plus bundle, motorcycle, RV, and life insurance. Its motorcycle position is notable: Progressive claims to be the number one motorcycle insurance company in the US, making it the natural pick for riders as well as car drivers. Claims can be reported through the app or online, and bundling auto with property insurance saves more. Progressive suits drivers with motorcycles, RVs, or mixed vehicle needs alongside a car.
What we like- Trusted since 1937
- Number one motorcycle insurance company in the US
- Auto, bundle, motorcycle, RV, and life coverage
- Customized coverages
- Superior claims service positioning
- Online and app claims reporting
Watch out for- Homepage shows no rate figures
- Bundle and discount details vary by state
Starting priceSee website
Free planFree quote
State Farm pairs scale with personal service: since 1922 it has grown to 96 million plus policies and accounts, each with a dedicated agent, and TIME named it the Best Auto Insurance Brand with a 100 percent consumer rating for loyalty, usage, likeability, brand awareness, and social buzz. Personal Price Plans personalize protection and bundle savings, averaging 1,429 dollars per household in a 2025 national survey of new policyholders. The app, rated 4.8 out of 5 with over 1 million reviews, handles bills, ID cards, coverage changes, and claims tracking. State Farm suits drivers who want a local agent plus a strong app.
What we like- In business since 1922
- TIME Best Auto Insurance Brand
- 96 million plus policies and accounts
- 19,000 agents with a dedicated agent per account
- Personal Price Plan with bundle savings averaging 1,429 dollars per household
- App rated 4.8 out of 5 with over 1 million reviews
- Discounts that may exceed 30 percent in some states
Watch out for- Discount availability varies by state and eligibility
- Some discounts unavailable in California, Massachusetts, and Rhode Island
Starting priceSee website
Free planFree quote
Allstate protects 16 million plus households with over 90 years of experience, and drivers switching to Allstate save 900 dollars on average. The app goes beyond policy management with gas savings, help after a crash, property climate risk data, tracking of who holds personal online data, and full policy management. Renters insurance starts as low as 5 dollars per month, and quotes run online or by phone. Allstate suits drivers who want a full-service insurer with a feature-rich app and bundle options.
What we like- 16 million plus well-protected households
- Over 90 years protecting customers
- Drivers switching save 900 dollars on average
- App adds gas savings, crash help, climate risk data, and data tracking
- Renters insurance from 5 dollars per month
- Online quotes or phone at 866-561-7300
Watch out for- Savings figures are averages across switchers
- App features vary by plan and state
Starting priceSee website
Free planFree quote
USAA was founded in 1922 when soldiers insured each other because other companies considered military life too risky, and it still serves only the military community and their families. Members who switched to USAA auto insurance saved 960 dollars a year on average, and bundling homeowners with auto saves up to 10 percent on the home premium. Service is award-winning with 24/7 online support for claims, fraud monitoring, and security, and TIME named USAA to America's Best Financial Services of 2026. USAA suits eligible military members, veterans, and families who want top service and pricing.
What we like- Members switching saved 960 dollars a year on average
- Up to 10 percent savings bundling homeowners and auto
- Founded 1922 serving the military community
- Award-winning service with 24/7 online claims, fraud monitoring, and security
- TIME America's Best Financial Services of 2026
- App with ID cards, claims, and roadside assistance
Watch out for- Membership limited to military members, veterans, and eligible family
- Not available to the general public
Starting priceSee website
Free planFree quote
Liberty Mutual offers protection at a price that works, built on over 100 years of experience and stability. Customers who bundle car and home insurance online save over 950 dollars a year on average, based on a countrywide survey of new customers between October 2024 and September 2025. Quotes run online in minutes or through a local independent agent, with 24/7 claims and service support from the website or highly rated mobile app. Liberty Mutual suits drivers who want bundle savings with a choice of online or agent buying.
What we like- Trusted for over 100 years
- Bundle online and save over 950 dollars a year on car and home on average
- 24/7 customer support via website and highly rated app
- Quote online in minutes or through a local independent agent
- Car, home, renters, and pet coverage
Watch out for- Savings figure covers car and home bundles only and excludes Massachusetts
- Prices and savings vary by state and purchase channel
Starting priceSee website
Free planFree quote
Nationwide began as a small mutual auto insurance company owned by policyholders who farmed in Ohio, and it has grown into a Fortune 100 company offering car, motorcycle, homeowners, pet, farm, life, and commercial insurance plus annuities, mutual funds, and retirement plans. The mutual structure means the company answers to members rather than outside shareholders. The mobile app gives 24/7 support for bills, policy documents, and ID cards. Nationwide suits drivers who value a member-owned insurer with broad coverage options.
What we like- Protecting people for 100 years
- Grown from a small mutual auto insurer owned by Ohio farming policyholders into a Fortune 100 company
- Car, motorcycle, homeowners, pet, farm, life, and commercial coverage
- 24/7 mobile app support with bills, documents, and ID cards
- Mutual structure answers to members
Watch out for- Homepage shows no rate or savings figures
- Mutual heritage does not guarantee the lowest price in every state
Starting priceSee website
Free planFree quote
Farmers stands out for advice: a free Farmers Coverage Review examines any current policy, no matter the insurer, and explains in plain language exactly what is covered and what is not, telling customers honestly when Farmers is not the right fit. Switching and bundling home and auto can save up to 1,232 dollars, based on surveyed new customers from September 2024 to August 2025. The redesigned mobile app manages policies anywhere, while local agents provide personalized service. Farmers suits drivers who want a human review of their coverage before buying.
What we like- Free Farmers Coverage Review of any current policy in plain language, even from another insurer
- Save up to 1,232 dollars when switching and bundling home and auto
- Redesigned mobile app for policy management
- Local agents for personalized service
- Auto, home, renters, mobile home, life, and business coverage
Watch out for- Savings figure is a maximum for switchers who bundle, not a typical result
- Agent experience varies by location
How we chose
We opened each insurer homepage and compared scale, savings claims, service model, app quality, and eligibility. All savings figures are vendor averages or maximums from switcher surveys, not quotes, and every rate depends on state, driver record, vehicle, and coverage choices. "Motor insurance" in this article means US auto insurance, since the brief targets a US reader.
How to pick the right motor insurance company
Start with eligibility and service style. Military families should quote USAA first. Drivers who want a local agent should start with State Farm or Farmers, while self-service drivers should start with GEICO or Liberty Mutual online. Riders and RV owners should include Progressive.
Then compare identical coverage, not just price. Get quotes for the same liability limits, deductibles, and extras like collision, comprehensive, uninsured motorist, and roadside assistance, since a cheaper quote with lower limits is not a better deal. Check discounts for bundling, safe driving, good students, low mileage, and telematics programs, and read claim reviews for the state, since claim handling varies locally. Raise deductibles only if the savings cover the out-of-pocket risk, and review coverage yearly, since rates and discounts change. This article is general information, not financial advice; confirm coverage needs with a licensed insurance agent for the specific situation.
Frequently asked questions
What is the best motor insurance company?
State Farm leads on agent service, GEICO on direct savings, USAA for military families, and Progressive for motorcycle and specialty coverage. The best choice depends on eligibility, service style, and state rates.
How much can I save by switching car insurance?
Vendor averages here range from 900 to 960 dollars per year for switchers, with Farmers claiming up to 1,232 dollars for bundlers. Actual savings depend on driving record, vehicle, state, and coverage.
Which car insurance company is cheapest?
There is no single cheapest insurer nationally. Rates vary by state, driver, vehicle, and coverage, so compare identical quotes from at least three companies.
Is USAA available to everyone?
No. USAA membership is limited to current military members, veterans, National Guard and Reservists, contracted cadets and midshipmen, eligible officer candidates, and their spouses and children.
Should I bundle home and auto insurance?
Usually yes. Bundling saves an average of 900 to 950 dollars per year at Allstate and Liberty Mutual, and up to 10 percent on home premiums at USAA, though the best bundle still needs a like-for-like coverage comparison.
Do I need full coverage or liability only?
Liability only meets state minimums but leaves the driver's own vehicle unprotected. Full coverage adds collision and comprehensive protection, and lenders usually require it for financed or leased vehicles.
Sources we checked (8)
- https://www.geico.com/
- https://www.progressive.com/
- https://www.statefarm.com/
- https://www.allstate.com/
- https://www.usaa.com/
- https://www.libertymutual.com/
- https://www.nationwide.com/
- https://www.farmers.com/
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.