9 Best Car Insurance Plans Compared (March 2025)
Updated on January 30, 2025 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.
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
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
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