6 Best Car Insurance Companies According to Consumer Reports – 2024 Guide

Bottom Line Up Front

Consumer Reports ranks these six insurers as the top choices for reliable coverage, affordable rates, and friendly service.

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