Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 20, 2020

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • With so many companies vying for your attention, finding the best auto insurance company can be difficult
  • Searching and getting quotes from new automobile insurance companies can actually save them a lot of money each year
  • There are discounts for being a good driver, a good student and for taking specific driving courses
  • Make sure to get quotes from at least 3 different insurance companies

Since when has monthly automobile insurance payments become almost as much as the payments for the actual vehicle? Consumers may not know this, but searching and getting quotes from new automobile insurance companies can actually save them a lot of money each year.

There are discounts for being a good driver, a good student, for taking specific driving courses, and so much more. Find auto insurance discounts by entering your ZIP in our free insurance comparison tool above!

Even with all those discounts, the cost can still remain high. So this following list is compiled of some of the best auto insurance that provides great coverage and still manages to factor in affordability on the consumers’ part.

Amica Mutual

Amica Mutual passed J.D. Power’s reviews with perfect scores in terms of policy offerings, billings, contacting the company, pricing, and overall satisfaction.

It has received this award for auto insurance for 12 consecutive years, which speaks a lot for the company. They walk the customer through every step of choosing the type of auto coverage best suited for them.

  • Very affordable
  • Excellent customer service
  • Wide range of policies
  • Effective Communication between customer and company
  • Discounts available to students and good drivers
  • Offers extra safety options available
  • Rental and glass coverage.

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Scoring just a little under against Amica Mutual is Ameriprise. This auto insurance company ranks among the top in terms of pricing and fairly good among other aspects, like the different policies offered and overall customer satisfaction.

Although it lags just a touch behind Amica, there isn’t any reason why anyone should not get a quote from them. They offer competitive rates and very good coverage.

  • Excellent pricing per policy
  • Good overall customer satisfaction
  • Prompt communication between customer and company
  • Discounts include good students, good drivers, and more, depending on the state in which the customer resides in

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Shelter Insurance

Coming into third place is Shelter insurance. While they offer a variety of different policies, they generally cost a lot less than other big name companies.

Shelter ranked “Better Than Most” (second to best) in just about all the categories in J.D. Power’s criteria, making a great contender in affordable yet reliable auto insurance.

  • Good, reliable customer service
  • Very good prices and rates
  • Good number of policies to choose from
  • Discounts for good student, good driver, completion of driver’s training courses, anti-theft devices, military, loyalty, and original airbags equipped


Geico claims that switching to their insurance can save consumers about 15 percent or more. It’s also worth mentioning that Geico scored well on their auto insurance ratings.

Like with Shelter Insurance, Geico offers an adequate amount of services to choose from and all at a reasonable rate.

Although their overall customer satisfaction isn’t up to par with Shelter’s, the Geico name is a trusted one in just about every household. There isn’t any doubt that Geico can save you a bunch of money on your auto insurance.

  • Very affordable rates
  • Adequate overall customer satisfaction
  • Adequate communication between customer and company
  • Multiple discounts, including good student, good driver, and loyal customer

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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USAA insurance is just about the best you can look expect to find when shopping for auto insurance. It has been given the highest ratings possible by J.D. Power and Associates.

The only throwback to this is that it is only available to U.S. military personnel and family members.

  • Prompt response from insurance company to customer
  • Very low rates compared to many well-known insurers
  • Highest rated overall customer satisfaction
  • Greater range of policies to choose from
  • Only available to those affiliated with the military and their family members

Although most of these are not as well known as insurers like State Farm or Allstate, these insurance companies are available to residents across the United States. They’ve ranked much higher than Esurance and Farmer’s.

When it really comes down to it, smaller companies may be able to offer more competitive rates than larger, indifferent insurers.

To get a better estimate, the best thing to do is contact an insurance agent or get a personalized online quote. These are just general costs; it is not set in stone. So the year, make, and model of the vehicle affects the cost of insurance, as well as the driver’s history and discounts he or she is eligible to receive.

So shop around and you can end up saving more than you thought! We all know that the cost of driving a car can be higher than we expect. Luckily, one can enter their ZIP code and find ways to save!