THE BEST

of

2025

Auto Insurance Awards

Progressive does just about everything well when it comes to your car insurance. Combining competitive rates, a best-in-class digital experience, and access to agents 24/7, Progressive stands alone as the top-tier insurance company of 2025. 

Progressive’s Name Your Price tool offers full customization of policies inside its easy-to-use mobile app, and gives customers a way to take full control of their insurance needs. Similarly, Progressive offers customers an abundance of discount opportunities, including bundling options, accident forgiveness, and good driver discounts.  

Though Progressive isn’t the least expensive provider we reviewed, its customizable coverage, customer service, and ease of use make it second-to-none. What’s more, multiple members of our editorial team have personally used Progressive for decades, making it an easy choice for our top recommendation in 2025. 

With Progressive’s bundling combinations, it seems like it’s on a mission to make bundling accessible to everyone. Offering home, renters, motorcycle, boat, and RV insurance, Progressive offers customers many ways to bundle their insurance and manage it all in one convenient place. 

New customers can save up to 20% by bundling their home and auto policies, and the Name Your Price Tool also allows you to customize what you want (and don’t) to fit your needs. 

While it can’t fix the stress of having your teen behind the wheel, State Farm can at least make sure your car (and wallet) are protected. State Farm ranked among the lowest national carriers for teen driver insurance prices according to Insurify, and it had one of the lowest differences between teen drivers and adult drivers of any carrier we reviewed. 

Additionally, State Farm offers up to a 25% discount for teens with a “B” or better average in school, and it has agents all over the country to develop policies to fit your family. In the event your teen runs into trouble on the road, State Farm also has one of the lowest premium increases for accidents of major national carriers. 

As an insurance provider founded by, catered to, and ingrained with the military community, USAA is an easy choice for anyone associated with the military. USAA exclusively insures current and former military members and their family members, offering competitive rates, military discounts, and exceptional customer service. 

USAA’s core mission is to serve military members, and its policies reflect it. For instance, it offers flexible, deployment-friendly policies, such as storage discounts for overseas soldiers, as well as on-base discounts. For those who qualify, USAA rates are among the lowest of any major carrier. Its exceptional service and military focus make it an easy award winner in this category. 

Combining flexibility, low rates for seniors, and discount opportunities, Progressive offers a wide variety of policies that help seniors find coverage that fits their needs and driving histories. Though some seniors tend to pay less for car insurance than average drivers due to experience behind the wheel, finding customizable coverage with the flexibility to change in the future is what makes Progressive truly special. 

Seniors often pay less than average with Progressive and could have access to significant discounts tailored to them, including usage-based discounts, good driver discounts, and more. Additionally, Progressive is good for drivers who may have an imperfect driving record in the past, making sure that yesterday’s obstacles don’t necessarily become today’s problems.

Although it’s never part of the plan to get into an accident, GEICO is a good example of why it doesn’t always mean your car insurance rates will skyrocket. 

While most premiums tend to be 20-30% higher for drivers with accidents on their records, according to Insurify data, rate increases with GEICO were much lower than most of the competitors we reviewed. 

Available in most states, GEICO offers competitive rates, a user-friendly mobile app that makes it easy to get quotes online, and accident forgiveness and discount programs in some states to help offset costs for those with an imperfect driving record. 

Drivers with tickets on their record typically pay more for car insurance, but how much more can vary depending on your provider. Allstate often offers lower-than-average premiums for drivers with tickets on their records, across both full and liability-only coverage. 

Allstate is known for excellent claims service, including its AI-powered ClaimIQ platform that can give customers repair estimates based on photos they submit. In addition to access to its 24/7 claims team and online quote tools, Allstate often offers loyalty rewards and discounts for long-term customers.

When it comes to making customers feel valued, Nationwide’s customer experience is second to none. Nationwide ranked #1 in customer satisfaction among usage-based auto insurers by J.D. Power each of the last two years and boasts a below-average complaint volume as reported by the NAIC. Nationwide also boasts an A+ Better Business Bureau (BBB) rating. 

For Nationwide, “On your side” isn’t just a catchy jingle: It’s a promise to give honest advice, provide personal service, and help customers set and meet their goals. The company even has a Chief Customer Officer among its leadership, in charge of the customer experience and finding ways to put customers’ needs first.

If you live in one of the 26 states where Auto-Owners offers coverage, you could be eligible for some of the lowest car insurance rates in the country. Auto-Owners offers some of the least expensive full-coverage policies among major providers, including policies for young drivers, senior drivers, and drivers with records that include tickets and accidents. 

While Auto-Owners is driven by low costs, its discounts don’t come with diminished quality. Auto-Owners has a very low NAIC complaint index, an A+ BBB rating, and an A+ AM Best rating for financial security.

For those in the Midwest, Mid-Atlantic, or Southeastern regions, Erie Insurance offers some of the most affordable car insurance premiums in the country, including most of the providers we reviewed.

Though a smaller provider operating in just 12 states and Washington, D.C., Erie has won multiple awards for its personalized coverage and unique product offerings, including locksmith services, auto glass repair, and personal item coverage. Erie’s Rate Lock also protects its customers from rate hikes by guaranteeing pricing unless a policy is changed or upgraded by customers.