10 Best Auto Insurance Companies According to Reddit in 2025

The best auto insurance companies according to Reddit are Farmers, Amica Mutual, and Geico because they have affordable rates and excellent customer service.

Farmers is particularly loved by Reddit because it offers various types of auto insurance coverage and low rates for drivers with bad credit.

Our Top 10 Picks: Best Auto Insurance Companies According to Reddit

Read on to explore the Reddit best auto insurance companies according to users. Then, enter your ZIP code into our free comparison tool to see how much you might pay for insurance from Reddit’s favorite companies.

#1 – Farmers: Top Pick Overall

Pros

• Excellent Customer Service: Farmers earns its spot as the best auto insurance according to Reddit through its excellent customer service.
• Affordable Rates for Bad Credit: Finding affordable coverage when you have bad credit can be challenging, but Farmers make it easy.  Learn more in our Farmers auto insurance review.
• Wide Range of Coverage Options: Customize your Farmers policy to meet your needs with add-ons like accident forgiveness and total loss coverage.

Cons

• Occasional Communication Problems: While Farmers typically get excellent reviews, some customers mention problems with communication during the claims process.
• No New Florida Policies: Farmers is one of several auto insurance companies that has decided to stop selling policies in Florida.

#2 – Amica Mutual: Best for Dividend Payouts

Pros

• Dividend Payouts: As a mutual company, Amica pays eligible policyholders dividends when it does well. Learn more about dividend payments in our Amica auto insurance review.
• Excellent Customer Service: Amica is one of the best car insurance companies for customer service.
• High Customer Loyalty: Up to 90% of Amica’s customers decide to renew their policies rather than find new coverage.

Cons

• Slightly Higher Average Rates: It’s not the most expensive option on the market, but you’ll likely pay a little more than the national average if you buy an Amica policy.
• Limited Availability in Some States: Amica Mutual car insurance is not available in Hawaii, and the company has limited availability for its home insurance.

#3 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico is listed as one of the top companies on Geico Reddit subs because of its affordability. Geico is especially affordable for high-risk drivers, according to Reddit Geico reviews.
• Ample Discounts: Geico offers 16 discounts, including savings for government employees and military members. Explore more savings opportunities in our Geico auto insurance review.
• Convenient Online Tools: Geico Reddit reviews discuss how it’s easy to purchase coverage, manage your policy, and file claims with Geico’s convenient online tools.

Cons

• Mixed Customer Reviews: Despite being one of the largest companies in the country, Reddit auto insurance reviews for Geico are mixed.
• Fewer Add-On Options: While it offers a few good options, Geico doesn’t offer as many add-ons as some of its competitors.

#4 – Progressive: Best for Budgeting Tools

Pros

• Snapshot: Save up to 30% on your insurance by enrolling in Progressive’s program Snapshot. See if it’s right for you by reading Reddit Progressive Snapshot reviews and our Progressive auto insurance review.
• Loyalty Discounts: One of the hidden Progressive discounts Reddit users discuss is Progressive savings for staying with the company for one year or longer.
• Name Your Price Tool: If you have a monthly budget you need to stick to, use Progressive’s Name Your Price tool to see coverage options that fit.

Cons

• Struggles With Customer Satisfaction: Progressive has a lower customer loyalty rating compared to similarly sized companies.
• Unexpected Rate Increases: In many Reddit auto insurance comparisons, customers state that their Progressive rates increased unexpectedly.

#5 – State Farm: Best for Customizable Policies

Pros

• Extensive Network of Agents: State Farm is one of Reddit’s best car insurance companies for drivers looking for personalized help. Its vast network of agents means finding help is easy.
• Variety of Coverage Options: Customize your State Farm policy with a variety of add-ons. State Farm’s rideshare option is so good that it makes it the best rideshare auto insurance company.
• Drive Safe & Save: Save up to 30% by signing up for Drive Safe & Save and consistently practicing safe driving habits. Learn more in our State Farm auto insurance review.

Cons

• Mixed Reviews: State Farm misses the spot of best auto insurance on Reddit because of its mixed customer reviews. Many customers complain that State Farm’s claims process is too slow.
• Discount Availability Varies: Although State Farm offers 13 discounts, they’re not always available everywhere. Check with a representative to make sure you get every savings possible.

#6 – Allstate: Best for Full Coverage Policies

Pros

• Excellent Coverage Options: Allstate offers a ton of coverage options, including rideshare, rental reimbursement, and roadside assistance.
• UBI Programs: Allstate has two UBI programs – Drivewise and Milewise. See which is right for you in our Allstate auto insurance review.
• Fantastic Customer Service: According to Reddit auto insurance breakdowns, Allstate earns top marks for its customer service.

Cons

• Higher Premiums: If you’re looking for the cheapest auto insurance according to Reddit, Allstate isn’t it. Allstate tends to be one of the priceier insurance options.
• Occasional Rate Increases: Some customers report unexpected rate increases, even though they changed nothing about their policy.

#7 – Nationwide: Best for Bundling Home and Auto Insurance

Pros

• Vanishing Deductible: Save up to $500 on your deductible by staying claims-free. Learn more about Nationwide’s vanishing deductible in our Nationwide auto insurance review.
• Bundling Discounts: Nationwide is one of the best home and auto insurance companies according to Reddit because it offers excellent bundling discounts.
• User-friendly Online Tools: Use the Nationwide website or mobile app to manage your policy and file claims with ease.

Cons

• Not Available Everywhere: Despite its name, Nationwide is only available in 47 states.
• Some Drivers Pay More: Most people can find cheap car insurance online from Nationwide. However, you’ll probably find better rates if you have an at-fault accident.

#8 – Liberty Mutual: Best for Claims Service

Pros

• Excellent Coverage Options: Liberty Mutual offers a great selection of add-ons, like its lifetime repair guarantee or better car replacement coverage.
• Plenty of Discounts: With 17 discount options, it’s easy to see why Nationwide has some of the cheapest auto insurance on Reddit.
• 24/7 Customer Support: Get help whenever you need it by contacting Liberty Mutual’s 24/7 support line.

Cons

• Average Customer Reviews: Liberty Mutual’s customer reviews are mixed between positive and negative. Read customer reviews in our Liberty Mutual auto insurance review.
• Rates Are Higher for Some Drivers: Rates can be high with Liberty Mutual, especially if you have a DUI on your driving record.

#9 – USAA: Best for Military Families

Pros

• Low Rates: No matter where you live or what’s on your driving record, USAA is almost always the cheapest car insurance option.
• Superb Customer Reviews: USAA maintains a reputation for excellence in customer service.
• Insurance Programs for Military Members: As a company dedicated to servicemembers, USAA has insurance programs dedicated to the military. Explore USAA’s military coverage in our USAA auto insurance review.

Cons

• No Gap Insurance: USAA has several good add-on options for car insurance, but it does not offer gap insurance.
• Membership Requirements: Only active or retired military members and their direct families are eligible for USAA insurance.

#10 – Erie Insurance: Best for Customer Service Excellence

Pros

• Affordable Prices: Although some drivers might see higher prices, Erie’s auto insurance rates are generally low.
• Excellent Customer Service: Erie focuses on offering a personalized experience to its policyholders, leading to excellent customer service reviews.
• Solid Discounts: Erie offers 12 discounts to help you save. It’s not as many as some other companies, but you can explore your discount options in our Erie auto insurance review.

Cons

• Limited Availability: Erie currently sells insurance in just 12 states.
• Online Tools Not as Advanced: Erie doesn’t have as many digital tools as some of its larger competitors.

Factors That Impact Your Auto Insurance Rates

Although insurance companies use unique formulas to determine your rates, they usually look at the same factors.

Things like your age, driving record, and where you live give insurance companies valuable insight into the likelihood that you’ll have to file a claim.

Auto Insurance Monthly Rates From the Top Companies According to Reddit by Coverage Level

Some of the most impactful factors that affect auto insurance rates are your age, gender, and how much coverage you want to purchase.

Check the rates below to see how much average drivers pay for their insurance.

Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

As you can see, young drivers typically pay more for insurance than older adults.

There are many reasons why auto insurance costs more for young drivers, but it boils down to the fact that they’re more likely to cost the insurance company money and need high-risk auto insurance.

Another important factor in your insurance rates is where you live. For example, the Reddit best car insurance in California will be pricier due to the risk of wildfires.

There are several reasons why auto insurance varies from state to state, but a primary factor is local insurance laws (Read More: Why does auto insurance vary from state to state?). Check below to see the average cost of insurance in your state.

Auto Insurance Monthly Rates by State & Coverage Level

According to Reddit car insurance tips, you should compare companies specifically in your state. For example, the top 10 auto insurance companies in California aren’t the same as in New York. Since auto insurance rates by state can change so drastically, you won’t find the cheapest prices without comparison.

A final consideration to keep in mind is your driving record. Auto insurance for drivers with accidents, speeding tickets, or DUIs costs more than drivers with clean records, as you can see below.

Auto Insurance Monthly Rates by Age, Gender & Driving Record

Price differences between companies and driver profiles highlight why it’s so important to compare rates.

If you don’t compare your options, you’ll probably overpay for insurance. If you have negative marks on your record, understanding how long does an accident affect your auto insurance rate can also be helpful information.

How to Compare Cheap Auto Insurance According to Reddit

Finding cheap auto insurance online might seem difficult, but using Reddit’s tips makes it a much simpler task, whether you are comparing Amica auto insurance vs. Geico or USAA vs. Amica.

Use the following tips to find Reddit cheap auto insurance options, whether you are shopping for the cheapest car insurance in Oregon on Reddit or the Reddit cheapest car insurance in California:

• Gather Your Information: Before you get insurance quotes, having your information ready to go will make the process quicker. You should have your social security number, license number, and VIN on hand.
• Pick Your Coverage: You don’t need to know exactly how much coverage you want to buy, but knowing if you want minimum or full coverage is a good place to start.
• Get Quotes: You can fill out quote request forms from individual companies, but Reddit users suggest using an online quote comparison tool to get multiple rates at once.

Once you’ve compared rates, you can select the best insurance company for your needs. If your rates are too high, you can work to improve them. For example, take a look at the rates of different driver profiles below.

Auto Insurance Monthly Rates by Driving Record

The best auto insurance for drivers under 25 costs more – especially if you have an at-fault accident or speeding ticket – but avoiding future violations will help your rates decrease with age.

Reddit’s Power: Customer Review Platform

Reddit can be a powerful tool for making informed decisions on a variety of things. When it comes to coverage, you can use Reddit to find everything from the best delivery driver auto insurance to Reddit smart car companies.

Reddit users often leave detailed reviews when they answer questions. Check out a few examples of the quality of reviews of the best car insurance on Reddit that you can find below.

Other users will take the time to write detailed answers on how to get cheap auto insurance on Reddit, sharing their expertise in a field that others might not be familiar with.

These reviews can be extremely helpful in making an informed decision about where to shop.

Exploring Reddit auto insurance quotes and other information is a great way to find affordable rates.

If you can’t find the specific information you need when comparing two companies like Root vs. Geico car insurance or Amica vs. Geico, you can always create your own Reddit account and ask the community yourself.

How to Use Reddit When Choosing an Auto Insurance Provider

Learning how to get the cheapest auto insurance on Reddit is simple, but is it worth using Reddit as a resource? Internet users have been using Reddit to find everything from the best auto insurance for DoorDash drivers to classic car coverage, but it’s not always the best choice. Before you take the advice of Reddit users, you should consider the pros and cons.

When you look at auto insurance on Reddit, you’ll enjoy the following benefits:

• Thousands of people can share their expertise, experiences, and opinions
• A convenient platform to ask questions on
• Real-life experiences to compare to online reviews

Of course, Reddit has its flaws, too, when you compare companies like Geico vs. Amica to find the Reddit best car insurance companies.

When you look at Reddit to find the best auto insurance Reddit companies, be prepared for the following disadvantages:

• Comments are not automatically fact-checked
• Users may not be forthcoming about their motives
• Some comments may be hidden advertisements

Like all other resources at your disposal when learning how to evaluate car insurance quotes, Reddit can be a valuable source of information when combined with other reputable sources.

Looking at multiple comparison websites can give you a complete look into companies’ financial strength, customer service, and more.

Reddit Auto Insurance Tips

When you’re ready to get car insurance quotes, Reddit has plenty of tips to make the process as easy as possible. Use these tips to find the perfect policy for your needs:

• Find Discounts: Most insurance companies offer discounts to help you save. You can keep your rates low by finding a company that offers several discounts you qualify for.
• Pick the Right Coverage: Knowing if minimum insurance works for you is integral to finding low rates. If you’re unsure, ask an insurance representative for advice.
• Choose Your Deductible: You can usually choose how much your deductible is. Higher auto insurance deductibles have lower monthly premiums, but you’ll have to pay more if you make a claim.
• Select Add-Ons Carefully: Add-ons are a great way to increase the coverage of your policy, but they can dramatically increase your rates. You should only choose what you might use to help keep quotes low.
• Compare Quotes: Comparing quotes from multiple companies is the most important way to find the lowest rates.

You should also consider using a usage-based insurance (UBI) program. UBI programs use a monitoring device to track your driving behaviors like speeding, hard braking, and what time of day you drive.

Drivers who consistently practice safe driving habits can save on their insurance.

If a UBI program sounds like it might be right for you, Allstate, Geico, and other popular companies have great options.

You can explore the cheapest usage-based auto insurance companies to learn more about your options.

Just make sure that a UBI program is a good fit for you — some drivers see their rates increase for not driving well enough.

Important Facts: The Best Auto Insurance Companies According to Reddit

You can learn a lot about the best car insurance Reddit 2025 companies by visiting the site. From questions like how to get the best auto insurance discounts for Uber drivers to help understand complex claims situations, Reddit users are usually willing to lend an online hand.

After you’ve explored advice on auto insurance on Reddit in 2024 and beyond, your next step should be comparing quotes.

Enter your ZIP code into our free online tool to see how much insurance from the Reddit best car insurance 2025 companies might cost you.