After thoroughly reviewing the largest car insurers in the nation, we found that State Farm offered the cheapest premiums for a minimum and full coverage policy. Bear in mind, the best insurer for you will depend on your overall insurance needs.

QuoteWizard analyzed and compared feedback and data from five of the biggest car insurers in the country. Our research has found the following:

Cheapest car insurance premiums: State Farm

State Farm is the best choice for drivers seeking the cheapest minimum and full-coverage policy. The average rate for minimum-coverage car insurance from the company is $766 per year, while full coverage costs $1,549 per year.

A great alternative to consider contacting for a quote is Progressive, which has the second most affordable car insurance policies.

State Farm

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Average annual car insurance rates by coverage
Company Minimum coverage Full coverage
State Farm $766 $1,549
Progressive $1,045 $1,981
GEICO $1,132 $2,521
Allstate $1,322 $2,669
AAA $1,504 $3,321
Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary.

Best for coverage options: Progressive

Progressive has the widest range of options for drivers looking for multiple add-on coverages. Coupled with its affordable rates, Progressive is a great choice if you're searching for the most affordable policy but need uncommon add-on coverages.

Nearly every state requires its drivers to have some amount of car insurance. While you can opt to meet the minimum requirements to save as much money as possible, it's generally not recommended. Most states require bodily injury or property damage liability, which financially reimburses other drivers but not you. Getting into an accident with an expensive or new car and only the minimum coverage can lead to high out-of-pocket costs in an accident.

All of the insurance companies listed below offer collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection and car rental reimbursement policy add-ons.

Progressive

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Car insurance add-on coverages
Coverage GEICO State Farm Progressive Allstate AAA
Rideshare driver check check check check minimize
Emergency road service/Roadside assistance check check check check minimize
Custom parts equipment minimize minimize check check minimize
Umbrella insurance check check check check minimize
Gap Insurance check check check minimize check
Mechanical breakdown check minimize minimize check minimize
Deductible savings bank minimize minimize check minimize minimize
Classic and collector insurance check check check check check
New car added protection minimize minimize minimize minimize check
Accidental death benefits minimize minimize minimize minimize check

Best for discounts: GEICO

Drivers who qualify and are able to stack multiple car insurance discounts can find a great deal with GEICO. You can find discounts for being part of an alumni group, installing vehicle safety devices and having a military background or affiliation.

In terms of price, there are cheaper alternatives like State Farm and Progressive. However, if you meet the criteria for multiple discounts, you may be able to bring down your premium to a very cheap rate. Make sure you check the qualification criteria for each discount, because it often varies across companies.

GEICO

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Auto insurance discounts
Discount GEICO State Farm Progressive Allstate AAA
Accident-free check check check check check
Defensive driver check check check check minimize
Seat belt/passive restraint check check minimize minimize minimize
Good student check check check check check
Away at school minimize check check check check
Affinity group check minimize minimize minimize check
Military check minimize minimize minimize minimize
Emergency deployment check minimize minimize minimize minimize
Policy bundle check check check check check
Air bag check minimize minimize minimize check
Anti-lock brakes check minimize minimize check check
Anti-theft check check minimize check check
Multi-car check check check minimize check
New car check minimize minimize check check
Paid in full minimize minimize check check check
Paperless minimize minimize check check check
Low-mileage minimize minimize minimize minimize check

Best for customer service: State Farm and AAA

State Farm and AAA receive highly positive customer feedback reports, according to the 2021 Auto Insurance Customer Feedback Survey. This survey was conducted by J.D. Power and the National Association of Insurance Commissioners (NAIC).

Most people consider cost and customer service to be essential factors in determining where they buy a car insurance policy. Should you ever be involved in an accident, you want to go through the resulting claims process as quickly and easily as possible.

State Farm

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AAA

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2021 Auto Insurance Customer Feedback Survey
Company J.D. Power Auto Insurance Study (higher the better) NAIC Complaint Index (lower the better)
GEICO 881 .79
AAA 863 .55
Progressive 862 .90
State Farm 892 0.70
Allstate 870 .63
J.D. Power assesses overall customer satisfaction on a 1,000-point scale.

The NAIC Complaint Index is the rate at which customers file complaints to their state regulator relative to the insurer's market share. The median Complaint Index is 1.0.

Side-by-side comparisons of the best auto insurers

The best auto insurance companies for you will depend on your individual driving needs and background. Premium rates are calculated based on your neighborhood, driving history, amount of coverage, among numerous other factors.

GEICO vs. Progressive
Coverage GEICO Progressive
Minimum $1,132 $1,045
Full $2,483 $1,995
Accident $3,957 $3,075
DUI $5,673 $2,621
Speeding $3,005 $2,574
State Farm vs. GEICO
Coverage State Farm GEICO
Minimum $766 $1,132
Full $1,506 $2,483
Accident $1,840 $3,957
DUI $2,110 $5,673
Speeding $1,698 $3,005
Allstate vs. GEICO
Coverage Allstate GEICO
Minimum $1,322 $1,132
Full $2,669 $2,483
Accident $3,970 $3,957
DUI $4,944 $5,673
Speeding $3,123 $3,005
State Farm vs. Allstate
Coverage State Farm Allstate
Minimum $766 $1,322
Full $1,506 $2,669
Accident $1,840 $3,970
DUI $2,110 $4,944
Speeding $1,698 $3,123
State Farm vs. AAA
Coverage State Farm AAA
Minimum $766 $1,041
Full $1,506 $2,998
Accident $1,840 $3,432
DUI $2,110 $5,906
Speeding $1,698 $3,089

References:

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