Shopping for car insurance can be daunting, but it doesn’t have to be. With so many companies out there including large national ones as well as more local and regionalized insurance providers it can be confusing to know who is a “good” provider and who is not.
Jerry’s team of car insurance expert writers and editors have analyzed real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rating system includes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date. Pricing information is based on over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
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Company Reviews
5.0
Jerry rating
Our Take
Geico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer. Read the full Geico review.
Pros
- Many rate discount opportunities.
- High financial strength rating.
- Available in all 50 states.
- Files SR-22 forms for high-risk drivers.
Cons
- Does not offer gap insurance.
- Relatively low customer satisfaction ratings from J.D. Power.
4.9
Jerry rating
Our take
Auto-Owners is one of Jerry’s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options. This coverage is worth considering if you’re in one of the 26 states where it’s offered. Read the full Auto-Owners review.
Pros
- Reputation for affordable coverage.
- Many insurance add-ons available.
- Ample discount offerings.
- Fewer-than-average customer complaints.
Cons
- Only available in 26 states.
- No online quotes.
4.7
Jerry rating
Our Take
Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average. Read the full Allstate review.
Pros
- Offers rewards for safe driving.
- Pay-per-mile policy may save infrequent drivers money.
- High financial strength rating from AM Best.
- Available in all 50 states.
Cons
- Below average ratings from J.D. Power and the CRASH Network.
- Lacks unique optional coverages.
4.7
Jerry rating
Our Take
Nationwide auto insurance rewards loyalty and good driving behavior. The insurer offers a mileage-based policy that may help those who don’t frequently travel far save on premium costs. Read the full Nationwide review.
Pros
- Multiple discount options.
- Mileage-based policy option.
- Well-ranked in J.D. Power’s Auto Claims Satisfaction Study.
Cons
- Not available in all 50 states.
- Does not file SR-22s.
4.6
Jerry rating
Our Take
Farmers Insurance offers customizable policies with many discount opportunities, and Jerry customers gave it a moderately high score. Read the full Farmers review.
Pros
- Ample coverage customization options.
- Many discounts available.
- Relatively few consumer complaints.
Cons
- Below-average rating in J.D. Power’s auto insurance shopping study.
- Not available in all 50 states.
4.6
Jerry rating
Our Take
Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, customers give Progressive high marks. Read the full Progressive review.
Pros
- Ample policy customization options.
- 50-state availability.
- Files SR-22s.
- Many rate-discount opportunities.
Cons
- Low claims satisfaction rating from J.D. power.
4.3
Jerry’s Score
Our take
Safeco offers auto insurance that may be ideal for drivers seeking a no-frills policy with a low rate. Read the full Safeco review.
Pros
- Guarantees repairs made within the insurer’s network.
- Typically below-average rates.
- Relatively high financial strength rating.
Cons
- Higher-than-expected consumer complaints.
- Poor J.D. Power ratings.
- Discounts and optional coverages may be limited.
4.1
Jerry’s Score
Our take
Assurance America may provide simple auto insurance policies to “high-risk” drivers. The insurer has received high marks from Jerry customers, but rates may be high. Read the full Assurance America review.
Pros
- High rating from Jerry customers.
- A+ BBB rating.
Cons
- Available in only 10 states.
- Rates may be high.
3.7
Jerry rating
Our Take
National General car insurance is available in most states. The insurer may cover high-risk drivers, but premiums may be expensive. Read the full National General review.
Pros
- Covers high-risk drivers.
- Guarantees car repairs made at shops in its network.
- Owned and financially backed by Allstate.
Cons
- High volume of customer complaints.
- Premiums may be more expensive than competitors.
- May charge a cancellation fee.
3.4
Jerry rating
Our Take
Bristol West insurance is an option for high-risk drivers who may struggle to buy insurance elsewhere. This insurer offers some discounts and coverage add-ons, but more customizable coverage may be available elsewhere. Read the full Bristol West review.
Pros
- May insure drivers with poor credit, DUIs and those who lack prior coverage.
- Can file SR-22s and FR-44s.
Cons
- High volume of consumer complaints.
- Premiums may be high for drivers who aren’t high risk.
- Fewer discounts than some competitors.
- Does not reward good driving behavior with lower premiums.
Additional companies
We’ve also reviewed several other car insurance companies which you can view below as you’re shopping for your new car insurance.
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