Best Car Insurance Companies of 2026

Farmers is our top pick. It offers 13 coverage types beyond the basics, including accident forgiveness, new car replacement, rideshare and food delivery coverage, and a glass deductible buyback. With that range, a household with several drivers and multiple cars can more easily fit everyone on one policy.

Farmers sells collision, liability, comprehensive, and gap insurance, plus extras such as OEM parts coverage, customized equipment coverage, and a personal umbrella policy. Its 23 discounts go well beyond the usual safe-driver credit: discounts include distant students, shared family cars, young drivers living on their own, alternative fuel vehicles, and VIN etching, along with Signal, its usage-based program that tracks how you drive. You can get a quote and file a claim online, but you can't buy a policy online. It also isn't available in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, West Virginia or Washington, D.C.

Read our Farmers car insurance review.

Geico is our choice for the best discounts. Its 23 discounts include several that target specific groups, such as federal employees, military members, deployed drivers and people who shop early. If you fit one of those groups, it's worth getting a quote.

Geico is sold in all 50 states and Washington, D.C., and you can get a quote, buy a policy and file a claim on the company's website and mobile app. Beyond the standard coverages, it offers mechanical breakdown insurance, emergency road service, rental reimbursement and custom parts and equipment coverage. DriveEasy is its usage-based program, and it offers discounts for paperless billing, autopay, paying in full and new vehicles. The main gap is gap insurance itself: Geico doesn't offer it, which matters if you owe more on a loan or lease than your car is worth.

Read our Geico car insurance review.

For hybrids and EVs, our pick is Travelers. It also offers new car replacement and gap insurance, two coverages worth checking on a newer, more expensive vehicle.

Travelers covers the basics plus accident forgiveness, roadside assistance, limited ride-sharing coverage and extended transportation expenses for rental costs after a covered claim. It also sells named non-owner insurance, which is useful if you drive regularly but don't own a car. You can get a quote and file a claim online, though you can't buy a policy online. Travelers isn't sold in Alaska, Hawaii, Louisiana, Michigan, North Dakota, South Dakota, West Virginia or Wyoming.

Read our Travelers car insurance review.

Progressive is our pick for best online experience. You can get a quote, buy a policy and file claims online in all 50 states and Washington, D.C., and it offers discounts for online quotes and purchases.

Progressive offers gap insurance, rideshare coverage, custom parts and equipment coverage and a vehicle protection plan alongside the standard coverages. Its 13 discounts include Snapshot, its usage-based safe-driver program, plus a continuous coverage discount for people who haven't let their insurance lapse. Families get teen driver, good student and distant student discounts. Its discount list is shorter than Farmers' andf Geico's, so check which ones you'd qualify for before comparing.

Read our Progressive car insurance review.

Nationwide is our pick for best for low-mileage drivers. SmartMiles, its pay-per-mile program, bases part of your cost on how far you actually drive, which suits remote workers and people who rarely use their car.

Nationwide also offers SmartRide, a usage-based program focused on driving habits, so you can choose between paying by the mile and being rated on how you drive. Its coverage list includes accident forgiveness, a vanishing deductible, a total loss deductible waiver and gap insurance. You can quote, buy and file claims online. Its discount list is short, with 10 options, and it isn't sold in Alaska, Hawaii, Louisiana, Massachusetts or Oklahoma.

Read our Nationwide car insurance review.

USAA is our pick for the military community. Its discounts include ones built around military life, such as an on-base discount, a car storage discount for vehicles parked during deployment and a legacy discount for members' families.

USAA sells policies in all 50 states, and members can quote, buy and file claims online. It offers gap insurance, rideshare insurance, rental reimbursement and roadside assistance, plus 13 discounts including SafePilot, its usage-based program. The catch is eligibility: you need a USAA membership to get a quote or buy a policy. The company is only available to active-duty military members, veterans, and their immediate families.

Read our USAA car insurance review.

Amica is our pick for best for customer satisfaction. Its discounts reward staying put, with loyalty and legacy discounts and an accident-free discount.

Amica offers collision, liability, comprehensive and gap insurance, along with PIP, MedPay, uninsured motorist coverage and roadside assistance. Its optional coverage list is the shortest on this page. It has 14 discounts, including StreetSmart, its usage-based program, and a vehicle safety discount covering features like forward-collision warning and adaptive headlights. You can quote and file claims online but can't buy a policy online. It's not available in Hawaii.

Read our Amica car insurance review.

If you own an older or collectible vehicle, Allstate is our pick for best for classic cars. It sells classic and collector car insurance, so you can keep that car with the same company that covers your daily driver.

Allstate is available in all 50 states and Washington, D.C., and you can quote, buy and file claims online. It offers new car replacement, gap insurance and ride-sharing coverage. Its 12 discounts lean toward payment habits, with FullPay, responsible payer and early-signing discounts on offer, plus new car, student and safe driving discounts.

Read our Allstate car insurance review.

State Farm is our pick for young drivers. Its Steer Clear program, along with good student, driver training and student away at school discounts, gives families several ways to offset the cost of adding a teen.

State Farm offers 19 discounts, including Drive Safe & Save, its usage-based program, plus low mileage, college graduate, senior and loyalty discounts. You can get a quote, buy a policy and file claims online. Extras include rideshare driver coverage and travel expenses coverage. It doesn't offer gap insurance, and it isn't sold in Massachusetts or Rhode Island.

Read our State Farm car insurance review.