Bottom Line Up Front
Consumer Reports ranks these six insurers as the top choices for reliable coverage, affordable rates, and friendly service.
6 Best Car Insurance Companies According to Consumer Reports – 2024 Guide
Image: 6 Best Car Insurance Companies According to Consumer Reports – 2024 Guide – Performance Comparison and Specifications
Why These Insurers Made the List
Consumer Reports evaluated thousands of policies based on price, claim satisfaction, and coverage options. The result? A mix of big names and a few newcomers that consistently score high.
1. State Farm
What stands out: Wide agent network, strong discounts for safe drivers.
- Average annual premium: $1,200
- Customer satisfaction score: 85/100
- Top features: Bundling discounts, accident forgiveness
2. GEICO
What stands out: Low rates for good‑credit drivers and a simple online experience.
- Average annual premium: $1,050
- Customer satisfaction score: 80/100
- Top features: Mobile app claims, multi‑car discount
3. Progressive
What stands out: Innovative “Name Your Price” tool and solid coverage options.
- Average annual premium: $1,150
- Customer satisfaction score: 78/100
- Top features: Snapshot usage‑based program, roadside assistance
4. USAA (for military families)
What stands out: Consistently low claims‑handling complaints and excellent member service.
- Average annual premium: $950
- Customer satisfaction score: 90/100
- Top features: Military discounts, comprehensive coverage
5. Allstate
What stands out: Strong local agents and a variety of deductible options.
- Average annual premium: $1,300
- Customer satisfaction score: 77/100
- Top features: Drivewise telematics, accident forgiveness
6. Liberty Mutual
What stands out: Flexible policies and a “Make It Right” claims promise.
- Average annual premium: $1,180
- Customer satisfaction score: 76/100
- Top features: Customizable coverage, discount for paying annually
Quick Comparison Table
| Engine | Mileage | Price | Top Features |
|---|---|---|---|
| N/A | N/A | State Farm: $1,200 | Bundling, Accident forgiveness |
| N/A | N/A | GEICO: $1,050 | App claims, Multi‑car discount |
| N/A | N/A | Progressive: $1,150 | Name Your Price, Snapshot |
| N/A | N/A | USAA: $950 | Military discounts, Member service |
| N/A | N/A | Allstate: $1,300 | Drivewise, Accident forgiveness |
| N/A | N/A | Liberty Mutual: $1,180 | Custom coverage, Annual discount |
FAQ
What is the average cost of the best car insurance companies?
Annual premiums range from about $950 (USAA) to $1,300 (Allstate), with most falling near $1,100‑$1,200.
Which insurer offers the most discounts?
State Farm and GEICO lead with multiple safe‑driver, multi‑car, and bundling discounts.
Is USAA only for active military?
USAA serves active duty, veterans, and eligible family members; they consistently score the highest in satisfaction.
Join the Conversation
Which insurer have you found most reliable? Share your experience in the comments below.
Source: Read Official News
