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9 Best Car Insurance Plans Compared (January 2025)

We have helped 1,000s of car owners select the ideal auto insurance policy for their vehicles in all 50 states. Our objectively ranked comparison table is trusted by car owners, financial advisors, car dealerships, independent insurance agents, and many more.

lemonade
lemonade trustpilot

AVERAGE
PREMIUM

$101/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters, Pet, Life & Auto

BEST POLICY 
 FOR THESE STATES

AZ, IL, OH, OR, TN, TX, WA

  • Lemonade has an innovative car insurance policy. Bundle with pet and/or renters and get automatic discounts
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
SEE PLANS➜

AVERAGE
PREMIUM

$114/mo

OFFERS BUNDLING DISCOUNTS?

Home & Auto

BEST WEBSITE 
 FOR

Affordable
rates

  • Insurify makes it easy to compare hundreds of car & home insurance companies all in one place without fees or spam
  • Purchase online or speak with an agent and save up to $852 per year
  • Founded in 2013, Insurify has helped over 10 million shoppers find a better car insurance policy
SEE PLANS➜
policy genius

AVERAGE
PREMIUM

$123/mo

OFFERS BUNDLING DISCOUNTS?

Home & Auto

BEST WEBSITE 
 FOR COMPARING

Bundling
discounts

  • Policygenius focuses on bundling home and auto to maximize your savings
  • Compare all the top brands all in one place
  • Founded in 2014, Policygenius has served over 30 million shoppers across all insurance verticals
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state farm logo

AVERAGE
PREMIUM

$124/mo

OFFERS BUNDLING DISCOUNTS?

Home, Life Renters & Auto

BEST POLICY 
 FOR

Established
brand

  • State Farm is the largest insurer for auto and home insurance in the United States
  • They are ubiquitous with over 10,000 brick and mortar agents nationally
  • Founded in 1922 and underwritten by State Farm Mutual Automobile Insurance Company
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usaa logo
usaa trustpilot

AVERAGE
PREMIUM

$115/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters & Auto

BEST POLICY 
 FOR

Military

  • USAA is the #1 insurance company for active military personnel, veterans, and their extended families
  • They also offer solutions for banking, retirement, investing, and more
  • Founded in 1922 and underwritten by United Services Automobile Association (USAA)
SEE PLANS➜

AVERAGE
PREMIUM

$128/mo

OFFERS BUNDLING DISCOUNTS?

Home, Auto Renters & Motorcycle

BEST POLICY 
 FOR

Government
employees

  • Thanks to their gecko mascot, GEICO is one of the most recognizable names in car insurance
  • They offer competitive rates and further discounts for government employees
  • Founded in 1936 and underwritten by Government Employees Insurance Company
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allstate trustpilot

AVERAGE
PREMIUM

$130/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters & Auto

BEST POLICY 
 FOR

Cautious
drivers

  • Allstate offers a “safe driving bonus” every 6 months you don’t have an accident
  • They insure almost all types of vehicles including: cars, motorcycles, ATV/off-road, snowmobiles, boats, and RVs
  • Founded in 1931 and underwritten by Allstate Insurance Company
SEE PLANS➜
progressive trustpilot

AVERAGE
PREMIUM

$157/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters, Life, Motorcycle, RV & Auto

BEST POLICY 
 FOR

Motorcycles

  • Progressive is the #1 motorcycle insurer in the United States
  • They guarantee repairs on all vehicles as long as you own your vehicle and take it within network
  • Founded in 1937 and underwritten by Progressive Casualty Insurance Company
SEE PLANS➜
travelers trustpilot

AVERAGE
PREMIUM

$223/mo

OFFERS BUNDLING DISCOUNTS?

Home, Auto Renters & Umbrella

BEST POLICY 
 FOR

Umbrella
insurance

  • Travelers offer umbrella coverage to protect you even if you exceed the limits of your base car or home insurance policy
  • Travelers is one of the oldest and most experienced home and auto insurance companies in the United States
  • Founded in 1864 and underwritten by Travelers Property Casualty Company of America
SEE PLANS➜
lemonade
lemonade trustpilot

AVERAGE
PREMIUM

$101/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters, Pet, Life & Auto

BEST POLICY 
 FOR THESE STATES

AZ, IL, OH, OR, TN, TX, WA

  • Lemonade has an innovative car insurance policy. Bundle with pet and/or renters and get automatic discounts
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
SEE PLANS➜

Ranking Methodology

We ranked the best car insurance policies based on a variety of important factors including the following:

  • National average monthly premiums are based on quotes for a 30-year-old single male with good credit and no accident or violation history and who owns a 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage
  • Coverage and benefits
  • AM Best rating of the underwriter
  • Policy limits and bundling discounts
  • Exclusions and customizations
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews
  • Claim satisfaction