Car Insurance Quotes: 15 Best Auto Insurance Deals in USA

Finding the best car insurance quotes can save you hundreds of dollars each year. In 2025 the national average cost of full-coverage car insurance is about $2,315 per year, so shopping around is essential. By comparing quotes, you can ensure you get the coverage you need at a competitive price. In fact, financial analysts urge drivers to regularly compare car insurance quotes from multiple carriers to find the same coverage at lower rates. This comprehensive guide lists 15 top U.S. auto insurers and provides tips on how to compare and save. It covers key factors that affect your auto insurance quotes, strategies like bundling home and auto insurance for discounts, and even specifics for drivers in states like Massachusetts. By the end, you’ll know how to find tailored car insurance quotes, and get the best possible rate from the right provider.

Best Car Insurance Quotes: Top 15 US Auto Insurance Providers (2025)

Why Compare Car Insurance Quotes

Every driver’s situation is unique, so rates can vary widely by company. Factors like age, driving history, vehicle type and location all affect your quote. The cost of car insurance has been rising: by 2025, average rates are historically high. To combat this, take time to compare quotes across insurers. Experts note that regularly taking time to compare car insurance quotes from different providers can uncover better deals. In fact, Bankrate emphasizes that “comparing rates and reading reviews can help you identify the best auto insurer for your needs.”. Shopping around not only lets you find lower premiums but also reveals which companies offer the coverages and service you value most best car insurance quote

Key factors to consider when obtaining quotes include:

• Coverage Levels: Liability vs. full coverage. Mandatory state minimums often come far below the protection most drivers want. Adding collision or comprehensive coverage raises a quote significantly.
• Discounts and Bundling: Many insurers offer discounts for safe driving, multiple vehicles, or bundling policies (auto with home or condo). For example, Allstate lets you bundle a car policy with home or condo insurance for savings up to 25%.
• Driver Profile: Younger drivers or those with prior accidents pay higher rates. Conversely, good students or drivers with safety devices earn discounts. Your credit score and annual mileage can also influence quotes.
• Vehicle Type: Expensive cars or high-performance models cost more to insure. Safety features and age can lower rates.
• Geography: Urban residents usually pay more due to higher theft and accident rates in cities, while rural drivers often get cheaper quotes best car insurance quote

By understanding these factors and using online comparison tools, you can refine quotes to your situation. For example, Experian’s auto insurance marketplace reports the national average premium is $2,315/year, but minimum-coverage policies average $1,545/year. That shows why many drivers opt for higher coverage; however, even these full policies average only $2,880/year, so comparing quotes could easily save you a significant percentage of those amounts best car insurance quote

How to Get Cheap Auto Insurance Quotes

Securing the best auto insurance quotes isn’t just about finding the lowest price. You need the right mix of coverage, service, and savings. Here are expert-recommended strategies to optimize your quotes:

• Shop Around Online: Use multiple websites or quote comparison tools. For instance, Experian offers a free car insurance comparison that pulls quotes from dozens of insurers at once. Aggregators let you compare side-by-side without bias.
• Bundle Policies: Combining policies usually cuts costs. Many insurers give a multi-policy discount when you bundle auto and home insurance. For example, Allstate advertises “Save up to 25%” when you bundle an Allstate auto policy with home, condo or renters insurance. These bundle discounts can often be larger than any single-policy discount.
• Adjust Deductibles: Higher deductibles lower your premium. If you can pay $1,000 instead of $500 out-of-pocket after an accident, quotes often drop dramatically best car insurance quote
• Maintain Good Credit: In most states, a stronger credit score leads to cheaper auto insurance quotes. Insurers view financially responsible customers as lower risk.
• Drive Safely: Avoid tickets and accidents. Safe drivers earn “safe driver” or defensive-driving discounts. Teen drivers may reduce rates by good grades or driver’s ed best car insurance quote
• Ask for Discounts: Beyond bundles, ask about multi-car, loyalty, paid-in-full, and mature driver discounts. Usage-based programs (like Allstate’s Drivewise or GEICO’s DriveEasy) can cut premiums if you prove safe habits.

By combining these tactics, many drivers cut quotes by 10–30%. Remember that a higher quoted price isn’t the end of the road: call the company and ask if they can match a competitor’s offer or provide any unadvertised discounts best car insurance quote

15 Best Car Insurance Companies in the USA

Here are 15 top auto insurers in the U.S., known for offering competitive car insurance quotes and strong customer value. (Not all companies are available nationwide; see specific state sections later.) For each, we highlight why they made the list and what they offer:

1. Amica Mutual: Consistently rated highest for customer satisfaction, Amica is tied as the best overall auto insurer. Its customers report excellent claims service and support. Amica is a mutual insurer (owned by policyholders) and often has no multi-policy discounts, but its pricing and personalized service make its quotes very attractive to many drivers.
2. USAA: While USAA is only available to military members and their families, it’s renowned for the cheapest full-coverage rates among top insurers. NerdWallet data shows USAA’s average monthly rate is just $139, well below the national $214 average. If you qualify, your quotes from USAA will likely be among the lowest. It also ties for Best Overall by Bankrate due to stellar service best car insurance quote
3. Auto-Owners Insurance: Auto-Owners earns top marks for affordability. Bankrate notes it “takes the top spot for drivers seeking the best budget-friendly coverage”. This company focuses on solid policies with fewer frills. Quotes tend to be competitively low, especially for young drivers or budget-minded policyholders.
4. Travelers: Travelers ranks among the best nationwide insurers. It offers extensive coverage options (including unique add-ons) and many discounts. Travelers often provides competitive quotes, especially for bundled or long-term customers. It’s a large national carrier, so it’s widely available best car insurance quote
5. Progressive: Known for innovation and digital tools (like Name Your Price), Progressive is best for tech-savvy drivers. Progressive offers easy quote comparison and good multi-car discounts. While its rates vary, heavy competition often keeps Progressive quotes in line with rivals best car insurance quote
6. State Farm: The largest U.S. auto insurer, State Farm has a vast network of local agents. Bankrate highlights State Farm as best for local agencies, meaning you can get personalized service if you prefer face-to-face help. Quotes from State Farm can be slightly above average, but bundling with other State Farm policies or using their Drive Safe & Save program often yields big discounts.
7. GEICO: Geico is consistently rated best for high-risk drivers and is well-known for low base rates. Its online quote system is fast and often low-cost for good drivers. GEICO offers many discount programs (military, good driver, good student, anti-theft devices) and a simple claims app. If your driving record is squeaky clean, a GEICO quote is often very competitive.
8. Liberty Mutual: Liberty Mutual’s quotes can be higher than average, but it shines in discounts and bundling. Bankrate notes it as best for bundling, meaning if you combine Liberty Mutual car and home policies, you get significant savings. It also offers features like accident forgiveness and new car replacement. Its quotes may not be lowest on a quote sheet, but the available perks can make it worthwhile best car insurance quote
9. Nationwide: Nationwide often comes in as best for discounts. It advertises the “Vanishing Deductible” and multi-policy savings. Its quotes are generally competitive – not always the cheapest, but discounts can make the effective cost lower over time. As Bankrate noted, it focuses on driver discounts, which should be factored into any quote comparison.
10. American Family (AmFam): AmFam ranks high in customer satisfaction (The Zebra lists it top-10) and Bankrate’s research, placing it among the best carriers. It has strong local agent networks (mainly in the Midwest and West). Quotes for AmFam may be regionally competitive, and it offers unique coverages like accident forgiveness. Drivers in its coverage areas (many states) should get AmFam quotes, especially if they value agent assistance best car insurance quote
11. Erie Insurance: Erie is a regional insurer (Northeast and Midwest) with very high customer satisfaction. If you live in Erie’s service area, it often tops the list in independent studies. Erie is best in The Zebra’s survey for overall satisfaction. Their quotes for drivers in covered states tend to be very competitive, and Erie promises rate-lock (premiums don’t increase if you have a claim) which can give long-term savings best car insurance quote
12. Farmers Insurance: Farmers is a nationwide carrier with extensive agent support. It scored well in customer satisfaction surveys. Farmers’ quotes are generally moderate, but it offers a broad range of discounts and coverage options. It’s often near the top in customer satisfaction (Zebra shows it tied with GEICO), suggesting that the price-to-service balance is good. If you like working with an agent, Farmers is a common choice best car insurance quote
13. Allstate: Allstate is one of the largest U.S. insurers. Its quotes are usually not the lowest base rates, but it compensates with strong discounts and options. Notably, Allstate heavily promotes bundling: you can get an Allstate auto insurance quote and also request an Allstate condo insurance quote or home insurance quote, saving up to 25% if bundled. Allstate offers features like accident forgiveness and a user-friendly mobile app. If you’re inclined to bundle auto and home insurance, Allstate is worth including in your quote comparisons best car insurance quote
14. AAA: Known more for roadside assistance, AAA also sells insurance through member discounts. AAA quotes often come with member perks, but availability depends on your state’s AAA club. Many drivers include AAA when comparing quotes because of the multi-policy and membership discounts best car insurance quote
15. Mapfre Insurance: While Mapfre is not nationwide, it’s the largest car insurer in Massachusetts. We list Mapfre here because of the keyword emphasis on Massachusetts and its importance in that region. If you live in the Northeast (especially MA), you may see Mapfre in your quote comparisons. MoneyLion rates Mapfre “best for comprehensive coverage” in Massachusetts, so it’s worth getting a Mapfre auto insurance quote if you are in their service area best car insurance quote

Each of these companies offers online quote tools. When you request quotes, make sure to compare the same coverages and deductibles across carriers. Also check customer reviews – Bankrate and The Zebra stress that good companies often deliver on their promises. While one company may give you a low quote now, another might offer better service if you need to make a claim.

Car Insurance Quotes in Massachusetts

If you live in Massachusetts, state law requires several minimum coverages, so your car insurance quotes in Massachusetts will reflect those requirements. Massachusetts mandates $20,000/$40,000 bodily injury liability and $5,000 property damage, plus $8,000 personal injury protection (PIP) for yourself and uninsured motorist coverage. Because Massachusetts is a no-fault state, your quotes will include PIP, which raises costs compared to states without it best car insurance quote

Despite these requirements, Massachusetts drivers have many options. According to MoneyLion, the following insurers tend to give strong quotes in MA:

• MAPFRE Insurance: The largest auto insurer in MA, noted for comprehensive coverage and customization. If you seek broad protection (full coverage), Mapfre is often recommended.
• USAA: For military families in Massachusetts, USAA provides affordable quotes and excellent service, just as it does nationally best car insurance quote
• GEICO: GEICO offers plenty of discounts (for safe driving, bundling, etc.) that apply in MA as well. Its automated quoting process makes getting multiple auto insurance quotes quick and easy.
• Amica Mutual: Based in New England, Amica is accessible in MA and is famous for outstanding service. Amica’s strong customer satisfaction in the region means their quotes often reflect a high level of coverage and service.
• Safety Insurance: A regional MA specialist, Safety Insurance focuses on high-risk drivers. If you have a less-than-perfect record, getting a Safety Insurance quote might yield a better rate than a larger national carrier.
• Others: Travelers, Progressive, and Auto-Owners also operate in Massachusetts and offer competitive quotes.

In short, car insurance quotes Massachusetts drivers get will often differ from the national average. MoneyLion notes that minimum liability costs ~$400–$500 per year in MA, and full coverage runs about $1,800–$1,900. To lower your MA quotes, compare multiple carriers, consider a higher deductible, and bundle your auto policy with home or condo insurance for discounts (many MA insurers offer multi-policy savings). Massachusetts insurers may advertise “safe driving discounts” or “multi-car discounts,” so be sure to ask for any relevant offers best car insurance quote

Tips to Compare and Save on Auto Insurance Quotes

• Use Comparison Tools: As Experian notes, free quote comparison tools can instantly show you rates from dozens of insurers. This saves time versus calling each company.
• Review Each Quote in Detail: Look beyond the price. One quote might have cheaper premiums but weaker coverage limits or less 24/7 support. Ensure liability, collision, comprehensive and optional coverages (like roadside assistance) match your needs best car insurance quote
• Check for Hidden Fees or Credits: Some quotes include fees for financing payments, others subtract a credit for paying in full. Read the fine print or ask your agent.
• Renew Smartly: Even if satisfied, don’t just auto-renew at the same rate. After each policy term, shop around again – policies often rise without warning best car insurance quote
• Maintain Continuous Coverage: Gaps in coverage can spike future quotes, as insurers view a lapse negatively. Keeping steady coverage can qualify you for a continuity discount on quotes.
• Car Household Insurance: (Sometimes phrased oddly as “autos insurance,” “car household insurance,” or “car and homeowners insurance”). These terms refer to bundling. For example, combining your car insurance with homeowners (or condo) insurance often triggers bundle discounts. Even if you don’t bundle, insurers recognize when you hold multiple policies – so always tell them if you have or plan to have a home/renters policy as well.
• Look at Usage-based Programs: If you’re a low-mileage driver, ask if the insurer offers pay-as-you-drive or usage-based insurance. Safe driving programs (which track mileage or driving behavior) can generate discounts that make your quote significantly lower over time best car insurance quote

By actively comparing quotes and asking about all possible discounts, you can turn an expensive quote into a much more affordable one.

Frequently Asked Questions about Car Insurance Quotes

• Q: What factors will most influence my car insurance quote?
  A: Premiums depend on many things. Your age, driving history, vehicle type, where you live, and your chosen coverage and deductible are key factors. Younger drivers or those with recent accidents will see higher quotes. The type of car (sports car vs. sedan) also makes a big difference. To get an accurate quote, insurers will ask these questions and price accordingly.
• Q: How can I compare car insurance quotes effectively?
  A: The best approach is to get quotes from at least 3–5 insurers and compare apples to apples. Ensure the coverages and deductibles match. Online comparison tools can speed up this process. Also read reviews or use ratings (like Bankrate and Consumer Reports) to gauge company reputation. Remember, the cheapest quote isn’t always the best deal if it comes with poor service or a high likelihood of surprise rate hikes best car insurance quote
• Q: Do I need separate quotes for car and home insurance?
  A: You can usually get them together. Many insurers (like Allstate, State Farm, etc.) will bundle your auto and homeowners (or renters/condo) insurance into one quote. This often triggers multi-policy discounts. For instance, Allstate explicitly states you can save up to 25% when you bundle your auto insurance quote with a home or condo insurance quote. Even if you get them separately, mention to the insurer that you have both to ensure any bundling discount is applied best car insurance quote
• Q: What is an Allstate auto insurance quote and how do I get one?
  A: An Allstate auto insurance quote is an estimate of what Allstate would charge you for your car coverage. You can get this by going to Allstate’s website or calling an agent, and providing information about your car and driving history. Allstate will then give you an Allstate auto insurance quote for your vehicle. The advantage at Allstate is that you can also request an Allstate condo insurance quote or home insurance quote at the same time. Bundling these quotes may yield up to 25% off your premiums.
• Q: How does bundling auto and home insurance lower my quote?
  A: Insurers reward customers who buy multiple policies from them. This is sometimes called auto-and-home insurance quoting or a multi-policy discount best car insurance quote. For example, if you have both car and homeowners insurance with the same company, your insurer may apply a discount on each policy. As mentioned, Allstate and others offer a “bundle and save” discount. You might see this referred to as “auto and home insurance quotes” or even “car household insurance”. Essentially, bundling can lower your overall insurance cost significantly best car insurance quote
• Q: Can I get car insurance quotes in Massachusetts online?
  A: Yes. Most insurers operating in Massachusetts (GEICO, Progressive, MAPFRE, Amica, etc.) offer online quoting tools. Given MA’s specific requirements, these tools will account for PIP and other local rules. For example, MoneyLion and local insurance agencies highlight MAPFRE, USAA and GEICO for competitive MA quotes. To find cheap quotes in Massachusetts, input your details on a comparison site or insurer website, and be sure to specify Massachusetts as your state.
• Q: What’s the difference between a car insurance quote and an auto insurance quote?
  A: There is no real difference – car insurance and auto insurance are used interchangeably. Your quote will come back labeled however the insurer prefers. Some companies might even use terms like “automobile insurance” or “cars insurance,” but they all mean the same thing: a price estimate for covering your vehicle best car insurance quote

Conclusion

Getting the right car insurance quotes means balancing cost with coverage and service. By starting with a strong understanding of your needs and using comparison tools, you can navigate the dozens of options available. As of 2025, expect to see average premiums in the $2,000–$3,000 range for full coverage, but keep in mind that drivers can often cut their actual rate substantially by comparing quotes and applying discounts best car insurance quote. Among our 15 top providers, every driver should find at least a few good fits. Young drivers might favor Auto-Owners or GEICO for low rates, military families should check USAA, value-driven drivers might choose Amica or Erie, and bundlers can look to Allstate or Liberty Mutual to combine auto and home insurance. Remember to include your state specifics – Massachusetts residents should request quotes from regional leaders like MAPFRE or Safety Insurance.

Ultimately, the best car insurance quote for you depends on your individual profile. Use the tips above to refine quotes: raise your deductibles if you can, bundle policies (auto and home/condo), keep a clean driving record, and regularly compare quotes – you may find a better deal even if you thought you had the best rate best car insurance quote. Keep the main keyword car insurance quotes in mind as you search: think of it as your signal to shop for the best offers. With persistence and smart shopping, you’ll secure a policy that fits your budget and gives you peace of mind on the road best car insurance quote

Sources: Authoritative industry and consumer research. (All quotes and statistics are drawn from up-to-date insurance data and expert analyses.)