Between choosing your auto insurance provider, coverage amounts, and meeting state requirements, purchasing appropriate coverage for your vehicle is important and possibly overwhelming. To help you find the best car insurance company of 2021 for your needs, Bankrate’s insurance editorial team researched dozens of providers to help narrow down this year’s best options. We calculated a Bankrate score for each carrier by evaluating each company’s 2021 quoted rates as well as average financial strength and customer experience ratings from several trusted third-party sources.
Each driver has unique preferences to consider when choosing the best car insurance provider. Factors such as your vehicle type, ages of the drivers on your policy, availability of insurer discounts and a company’s financial strength and customer service ratings will all be part of the decision-making process.
Comparing the best car insurance companies
The following companies have been rated using Bankrate’s scoring system based on each featured company’s quoted 2021 premiums. Scores from industry-trusted sources such as AM Best, Standard and Poor’s (S&P), J.D. Power, and others have also been weighed and used as a point of comparison. The rates included are pulled from Quadrant Information Services and analyzed across all 50 states and Washington, D.C.
|Car insurance company||Bankrate rating||Average annual premium for full coverage|
*This provider may not be available in all states or to all drivers
When narrowing down the best car insurance companies, you may find it beneficial to consider more than just average annual premiums. Our Bankrate score takes into account how these companies stack up in the market according to customer satisfaction and ability to pay out claims, but you should also take time to consider your own personal criteria for consumer experience.
Finding a provider that scores 4.5 and above may be your initial target focus, but you may find another company that offers more of what you need even if it ranks lower on the list. Some providers will have more local agents, others may have special coverages for things like your vehicle or fuel type and yet another may have benefits specifically for your occupation. Ultimately, the best provider will likely be the one closest aligned with your car insurance needs.
Below, find out why each of these providers is recommended on our list and where each stands out in its policy options. We have tailored this information to the everyday driver, including a rates comparison for each provider showcasing how average credit and common events related to your driving record may impact your rates.