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9 Best Car Insurance Plans Compared (October 2024)

Updated on September 5, 2024 by Matthew H. Nash – Licensed Insurance Agent

Buying auto insurance can be daunting. As a lifelong car owner and a nationally licensed insurance agent, I understand the frustration when trying to determine the best car insurance policy. Use my extensive experience and research below to make the most informed decision.

lemonade
lemonade trustpilot

AVERAGE PREMIUM

$206/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters, Pet, Life & Auto

BEST POLICY
FOR

Everyone

  • Lemonade has the best all-around car insurance policy. Bundle with pet and/or renters and get automatic discounts
  • Their user experience is world-class, it’s easy to get support from their customer service, and you can file claims 24/7
  • Founded in 2015, Lemonade has revolutionized insurance and brought it into the 21st Century

AVERAGE PREMIUM

$114/mo

OFFERS BUNDLING DISCOUNTS?

Home & Auto

BEST WEBSITE
FOR

Comparing
policies

  • 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

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

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 Fire and Casualty Company

AVERAGE PREMIUM

$115/mo

PROPERTY
COVERAGE

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)

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

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 Fire and Casualty Insurance Company
progressive trustpilot

AVERAGE PREMIUM

$157/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters, Life, Motorcycle, RV & Auto

BEST POLICY
FOR

Umbrella
Insurance

  • 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

AVERAGE PREMIUM

$223/mo

OFFERS BUNDLING DISCOUNTS?

Home, Auto Renters & Umbrella

BEST POLICY
FOR

$100,000

  • 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

lemonade
lemonade trustpilot

AVERAGE PREMIUM

$206/mo

OFFERS BUNDLING DISCOUNTS?

Home, Renters, Pet, Life & Auto

BEST POLICY
FOR

Everyone

  • Lemonade has the best all-around car insurance policy. Bundle with pet and/or renters insurance and save 10%
  • Their user experience is world-class, it’s easy to get support from their customer service, and you can file claims 24/7
  • Founded in 2015, Lemonade has revolutionized insurance and brought it into the 21st Century

SwiftScore 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
  • Key policy details including claims satisfaction, user experience of app (if applicable), and flexibility of coverage as well as other factors
  • Ease of sign up
  • Policy language clarity
  • User reviews