Car insurance firms

When shopping for auto insurance, you want the best company for you — not to be swayed by funny commercials and catchy jingles, all promoting a positive experience.

A clearer picture emerges of the best car insurance companies when you look at customer satisfaction and complaints. For NerdWallet’s 2018 rankings, we analyzed customer service and claims satisfaction scores from both J.D. Power and Consumer Reports, along with complaint data from the National Association of Insurance Commissioners.

Only insurers rated by both J.D. Power and Consumer Reports are included. That means many smaller insurers aren’t represented here — but that doesn’t mean they aren’t worth considering, too.
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Note: Not all insurers available in all states.
1. Amica Mutual
4.5-stars
4.5 stars
2. Auto-Owners Insurance
4.5-stars
4.5 stars

3. Automobile Club Group
4.5-stars
4.5 stars

4. Erie Insurance
4.5-stars
4.5 stars

5. Auto Club of SoCal
4.0-stars
4 stars

6. Travelers Insurance
4.0-stars
4 stars

7. Nationwide
4.0-stars
4 stars
8. State Farm
4.0-stars
4 stars

9. The Hartford
4.0-stars
4 stars

10. American Family Insurance
4.0-stars
4 stars

11. The Hanover
4.0-stars
4 stars

12. Allstate
4.0-stars
4 stars

13. Geico
4.0-stars
4 stars

14. Farmers Insurance
4.0-stars
4 stars

15. 21st Century
3.5-stars
3.5 stars

16. CSAA
3.5-stars
3.5 stars

17. Safeco
3.5-stars
3.5 stars

18. MetLife
3.5-stars
3.5 stars

19. Esurance
3.5-stars
3.5 stars

20. Liberty Mutual
3.5-stars
3.5 stars

21. MAPFRE
3.5-stars
3.5 stars

22. Mercury Insurance
3.5-stars
3.5 stars

23. Progressive
3.5-stars
3.5 stars
Car insurance is not all about price…
Getting the right cover is the most important thing, and then you should look for the cheapest policy.

Choose the right level of cover
There are three levels of car insurance cover you can choose from in the UK:

Fully Comprehensive

Third party, fire and theft

Third party cover only

Here is what each level protects you against, and how to choose which is right for you.

What car insurance cover should you get?
Find the best policy for you
There are several different types of motor insurance policy, and choosing the right one could save you money.

Standard car insurance: Here is what a standard car insurance policy with cover.

Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.

Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.

Should you add extras?
You can customise your policy and extend your cover by adding extra benefits. These include:

Legal cover — here is how to work out if you need it

Breakdown cover

Cover for lost or stolen keys

No claims protection

Cover for driving abroad

Here is a full list of the car insurance extras that could be worth adding to your policy.

Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.

Which car insurance extras are worth having?
How to get quotes from our comparison
You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.

It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:

Pros and cons of comparison sites
Get lots of quotes quickly

Quotes shown in price order

Only one form to complete

Not all insurers are on them

Can be cheaper if you go direct

Multi car policies not shown

Car insurance FAQs
Q
Can I drive a car without insurance?

A
No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.

Q
How can I get cheaper car insurance?

Q
What does car insurance cover?

Q
Is it cheaper to pay annually or monthly?

Q
Should I let my policy automatically renew?

Q
Can I get insurance for an imported car?

Q
Can I check if a car is already insured?

Q
How long does car insurance last?

Q
Can I drive other cars?

Q
Can I switch my policy to another car?

About our car insurance comparison
Q
Who do we include in this comparison?

A
We include comprehensive and third party, fire and theft car insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.