1
SF
State Farm
Agent-based carrier with local offices across the country
- Nationwide network of local agents
- Drive Safe & Save usage-based discount program
- Bundle discounts with home and renters coverage
Updated October 2026 · premium · deductible · liability limits
Compare the Best Auto Insurance (2026)
Compare car insurance quotes in a few minutes. Answer a few questions and see carriers that write policies in your ZIP code.
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By ZIP codeproviders that serve you
Step 1
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Providers
Featured auto insurance providers
2
G
GEICO
Direct-to-consumer insurer owned by Berkshire Hathaway
- Quote and buy online or in the app
- DriveEasy usage-based program
- Discounts for military members and federal employees
3
P
Progressive
Large carrier known for online tools and Snapshot
- Name Your Price tool shows coverage options for a budget
- Snapshot usage-based program
- Sold online and through independent agents
Our top picks, explained
Largest U.S. auto insurer
SF
State Farm
The largest auto insurer in the U.S. by market share, with in-person agents for drivers who want a local contact.
Pros and cons
- Local agent support for claims and policy changes
- Wide range of discounts
- Rates and discounts vary a lot by state
Best for buying online
G
GEICO
A strong fit for drivers who prefer to quote, buy and manage a policy online without an agent.
Pros and cons
- Fast online quotes and self-service tools
- Long list of affinity discounts
- Fewer local agents than agent-based carriers
Best for comparing prices
P
Progressive
Its online tools make it easy to see how coverage choices change the price.
Pros and cons
- Budget-based quoting tools
- Covers many vehicle types
- Snapshot can raise rates for riskier driving in some states
Side-by-side comparison
SF | G | P | |
|---|---|---|---|
| Buy through | Local agents, online, app | Online, app, phone | Online, app, independent agents |
| Usage-based program | Drive Safe & Save | DriveEasy | Snapshot |
| Bundling | Home, renters, life | Home, renters, umbrella | Home, renters, boat, RV |
| Visit site | Visit site | Visit site |
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any auto insurance provider, whether or not it appears on The Top 10 Experts.
Limits
Liability limits
Shown as three numbers, such as 100/300/100: per-person injury, per-accident injury and property damage, in thousands.
Deductible
Your share of a claim
A higher collision or comprehensive deductible lowers the premium, but you pay more out of pocket after a claim.
Discounts
Bundles and driver discounts
Multi-policy, safe-driver, good-student and telematics discounts can change the ranking a lot.
Claims
Claims experience
Price matters, but so does how a carrier handles claims. Check complaint data from your state insurance department.
Common questions
How often should I shop my auto insurance?
At renewal, or whenever something changes: a move, a new car, a new driver or a ticket dropping off your record.
Is state minimum coverage enough?
It keeps you legal, but minimum limits can be far below the cost of a serious accident. Many drivers choose higher limits.
Will getting quotes affect my credit?
Insurers may use a soft credit-based insurance score, which does not affect your credit score.
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