Shopping for auto insurance can feel like a maze of quotes, coverage options, and fine print. With countless insurance providers competing for your business, understanding what each one offers—and how much they charge—can help you find the best deal. Below, we’ve compiled quotes and pricing estimates from 20 top auto insurance companies in the USA, giving you a head start on your research.
Contents
1. GEICO
- Quote: GEICO is famous for its competitive pricing, with quotes often starting as low as $35/month for minimum coverage. Full coverage quotes average around $1,200/year.
- Unique Offering: Multiple discounts for military members, federal employees, and good drivers.
- Pricing Estimate: $35/month (minimum coverage) | $1,200/year (full coverage)
- Website: GEICO Auto Insurance
2. State Farm
- Quote: State Farm quotes average around $40/month for minimum coverage. For full coverage, expect to pay roughly $1,350/year.
- Unique Offering: Drive Safe & Save™ app rewards safe driving habits with potential premium reductions.
- Pricing Estimate: $40/month (minimum coverage) | $1,350/year (full coverage)
- Website: State Farm Auto Insurance
3. Progressive
- Quote: Progressive’s Name Your Price® tool helps drivers customize coverage to meet their budgets. Average quotes for minimum coverage start around $45/month, while full coverage hovers around $1,500/year.
- Unique Offering: Snapshot® program rewards good driving with discounts.
- Pricing Estimate: $45/month (minimum coverage) | $1,500/year (full coverage)
- Website: Progressive Auto Insurance
4. Allstate
- Quote: Allstate offers comprehensive coverage with prices starting at around $50/month for minimum coverage. Full coverage can reach up to $1,700/year.
- Unique Offering: Features like Drivewise® can lower your premium if you’re a safe driver.
- Pricing Estimate: $50/month (minimum coverage) | $1,700/year (full coverage)
- Website: Allstate Auto Insurance
5. USAA (for Military Families)
- Quote: USAA provides exclusive rates for military members, with minimum coverage starting as low as $29/month. Full coverage plans average about $1,100/year.
- Unique Offering: Tailored specifically for active and retired military personnel and their families.
- Pricing Estimate: $29/month (minimum coverage) | $1,100/year (full coverage)
- Website: USAA Auto Insurance
6. Liberty Mutual
- Quote: Liberty Mutual quotes start at around $45/month for basic coverage. Full coverage plans are about $1,450/year, depending on the state and driving history.
- Unique Offering: Customizable add-ons like roadside assistance and accident forgiveness.
- Pricing Estimate: $45/month (minimum coverage) | $1,450/year (full coverage)
- Website: Liberty Mutual Auto Insurance
7. Farmers Insurance
- Quote: Farmers offers personalized plans with minimum coverage starting at $55/month and full coverage plans averaging around $1,550/year.
- Unique Offering: Signal® program rewards safe driving with potential savings on premiums.
- Pricing Estimate: $55/month (minimum coverage) | $1,550/year (full coverage)
- Website: Farmers Auto Insurance
8. Nationwide
- Quote: Nationwide offers minimum coverage starting at $48/month, with full coverage averaging $1,400/year. Bundling with home insurance can lead to additional savings.
- Unique Offering: SmartRide® telematics program tracks driving habits to reward safe drivers with discounts.
- Pricing Estimate: $48/month (minimum coverage) | $1,400/year (full coverage)
- Website: Nationwide Auto Insurance
9. Travelers
- Quote: Travelers insurance quotes are about $50/month for minimum coverage, with full coverage averaging around $1,500/year.
- Unique Offering: Discounts for hybrid or electric vehicles.
- Pricing Estimate: $50/month (minimum coverage) | $1,500/year (full coverage)
- Website: Travelers Auto Insurance
10. The Hartford (for AARP Members)
- Quote: The Hartford offers affordable quotes for AARP members, starting at $42/month for minimum coverage and around $1,350/year for full coverage.
- Unique Offering: Special rates for AARP members and benefits like disappearing deductibles.
- Pricing Estimate: $42/month (minimum coverage) | $1,350/year (full coverage)
- Website: The Hartford Auto Insurance
11. American Family Insurance
- Quote: Known for bundling discounts, American Family offers quotes starting at $48/month for minimum coverage, with full coverage around $1,450/year.
- Unique Offering: KnowYourDrive® app rewards safe driving.
- Pricing Estimate: $48/month (minimum coverage) | $1,450/year (full coverage)
- Website: American Family Insurance
12. Esurance
- Quote: Esurance, a digital-first provider, offers quotes starting around $40/month for minimum coverage and approximately $1,300/year for full coverage.
- Unique Offering: Digital convenience with 24/7 online claims processing.
- Pricing Estimate: $40/month (minimum coverage) | $1,300/year (full coverage)
- Website: Esurance Auto Insurance
13. MetLife Auto & Home
- Quote: MetLife offers quotes beginning at $52/month for minimum coverage, with full coverage averaging around $1,550/year.
- Unique Offering: Benefits like total loss protection and identity theft protection.
- Pricing Estimate: $52/month (minimum coverage) | $1,550/year (full coverage)
- Website: MetLife Auto Insurance
14. Safeco
- Quote: Safeco quotes are typically $45/month for minimum coverage, with full coverage costing about $1,450/year.
- Unique Offering: Comprehensive coverage options with flexible deductible choices.
- Pricing Estimate: $45/month (minimum coverage) | $1,450/year (full coverage)
- Website: Safeco Auto Insurance
15. Amica
- Quote: Amica offers quotes starting around $50/month for basic coverage. Full coverage plans average about $1,500/year.
- Unique Offering: Known for top-rated customer service and competitive quotes.
- Pricing Estimate: $50/month (minimum coverage) | $1,500/year (full coverage)
- Website: Amica Auto Insurance
16. Root Insurance
- Quote: Root Insurance uses telematics to offer custom quotes based on driving behavior. Prices can start as low as $25/month for good drivers.
- Unique Offering: Premiums are directly based on driving performance, tracked via an app.
- Pricing Estimate: $25/month (good drivers) | Full coverage varies
- Website: Root Auto Insurance
17. Mercury Insurance
- Quote: Mercury Insurance offers affordable rates, with minimum coverage quotes starting at $38/month and full coverage averaging around $1,250/year.
- Unique Offering: Discounts for multi-car policies and bundling with home insurance.
- Pricing Estimate: $38/month (minimum coverage) | $1,250/year (full coverage)
- Website: Mercury Auto Insurance
18. Shelter Insurance
- Quote: Shelter provides personalized quotes starting at $48/month for minimum coverage, with full coverage around $1,500/year.
- Unique Offering: Offers discounts for drivers with clean records and students with good grades.
- Pricing Estimate: $48/month (minimum coverage) | $1,500/year (full coverage)
- Website: Shelter Auto Insurance
19. Auto-Owners Insurance
- Quote: Auto-Owners offers quotes starting at around $50/month for basic coverage, with full coverage averaging $1,600/year.
- Unique Offering: Excellent for bundling home and auto policies for additional savings.
- Pricing Estimate: $50/month (minimum coverage) | $1,600/year (full coverage)
- Website: Auto-Owners Insurance
20. The General
- Quote: Affordable rates for high-risk drivers, with minimum coverage starting around $55/month.
- Unique Offering: Specializes in offering coverage to drivers with less-than-perfect records.
- Website: The General Auto Insurance
Factors Affecting Auto Insurance Quotes
- Driving Record: Clean records mean lower rates, while accidents or violations will raise premiums.
- Location: Where you live impacts your rates—urban areas tend to have higher premiums due to traffic risks.
- Vehicle Type: Luxury cars and high-performance vehicles tend to have higher insurance costs.
- Credit Score: Many insurers factor in your credit score when calculating premiums, with better scores often leading to lower rates.
- Mileage: Lower annual mileage can result in lower premiums, as you’re considered less of a risk.
How to Get the Best Auto Insurance Quotes
- Compare Multiple Providers: Don’t settle for the first quote—use comparison tools and visit individual websites to shop around.
- Ask About Discounts: Most insurers offer discounts for bundling, good driving habits, and even good student grades.
- Customize Your Coverage: If you drive an older car, you may not need comprehensive or collision coverage, which could lower your premium.
- Raise Your Deductible: Opting for a higher deductible can lower your monthly premiums, but make sure you can afford the out-of-pocket costs if needed.
Final Thoughts
Finding the best auto insurance for your needs doesn’t have to be stressful. By comparing quotes from these 20 providers, you can balance cost and coverage to get the protection you need. Remember to factor in discounts, customize your coverage to your driving habits, and always compare rates before making a final decision.
Start comparing quotes today and drive confidently with the coverage that suits you best!