Motley Fool Money's 2026 Car Insurance Awards award banner Motley Fool Money's 2026 Car Insurance Awards

Author: Alicia Aldrich Published Nov. 5, 2025

The best auto insurance companies

To determine the Best Car Insurance awards for 2026, The Motley Fool Money's experts evaluated accounts with our ratings model, focusing on industry factors and user benefits, including:

  • Pricing and rates
  • Coverage options
  • Customer satisfaction
  • Features (like discounts and customer service)

Best Car Insurance Overall

Progressive

Progressive
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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= Poor
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Progressive is an affordable choice for most drivers, offering benefits like additional premium reductions for safe drivers. As an established insurer, Progressive provides coverage for nearly every consumer need and features a wide range of policy options, making it easy to bundle coverage.

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Best Cheap Car Insurance

American Family Auto

American Family Auto
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

American Family Auto earns the title of best cheap car insurance thanks to the lowest overall average premiums of any insurer we reviewed. It combines competitive rates with flexible coverage options that fit a wide range of drivers. For budget-conscious households that don’t want to sacrifice protection, American Family delivers standout value.

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Best High Risk Car Insurance

Geico

Geico
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Geico also takes top honors for high-risk drivers, offering one of the lowest average costs after accidents among major carriers. Its combination of affordable rates, reliable claims handling, and highly rated customer service makes it a smart choice for drivers looking to bounce back without overpaying.

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Best Insurance for Teens and New Drivers

Geico

Geico
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Geico leads the pack for affordability and reliability for new drivers. It offers some of the lowest average premiums for 18-year-olds among major insurers, helping families keep costs manageable during those first years behind the wheel. With strong customer satisfaction scores and easy digital management, Geico makes getting started simple and affordable.

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Best Car Insurance for Veterans

USAA

USAA
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

The big name in military insurers, USAA has been covering automobiles since 1922, when 25 Army officers joined together to insure each other's vehicles. USAA is known for its low rates and multiple discounts for its members.

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Best Car Insurance for Rideshare Drivers

State Farm

State Farm
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

State Farm is a great option for rideshare drivers, offering some of the most comprehensive coverage available. Their rideshare insurance provides more extensive protection and lower deductibles compared to policies from Uber and Lyft. With a solid reputation and strong, personalized customer service, State Farm stands out as a reliable choice for rideshare drivers.

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Explore other product winners

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About the Author

Alicia Aldrich
Alicia Aldrich

Alicia Aldrich is Head of PR & Media Relations at The Motley Fool, where she is responsible for advancing the company's purpose of making the world smarter, happier, and richer. She has more than 15 years of experience growing the visibility, credibility, and authority of purpose-driven brands.