Compare the best insurance companies
Every coverage, ranked.
| Lender / Product | Rating | Key details | |
|---|---|---|---|
| Liberty Mutual Customizable policies | 4.2/5 | $10 · $10 · $3 | Review |
| Allstate Agent network + digital | 4.3/5 | ~$5-8 · $28 · Nationwide | Review |
| Esurance Allstate-owned, online-first | 4.3/5 | $10 · Digital shoppers · Allstate | Review |
| USAA Military families | 4.8/5 | Military · Top-rated · Excellent | Review |
| GEICO Low rates, gecko | 4.5/5 | Low rates · Many · Highly rated | Review |
| Progressive Comparison + Snapshot | 4.4/5 | High-risk drivers · Name Your Price · Usage discount | Review |
Our top picks
The right insurer balances price, coverage, and claims service. Best across categories.
Our top pick
Learn more
1. Liberty Mutual — 4.2/5
Best for: Customizable policies
Auto lead
$10
Home lead
$10
Renters
$3
Pros
- Highly customizable coverage
- Many discounts
Cons
- Customer service varies
Affiliate link pending — via CJ/FlexOffers.
2. Allstate — 4.3/5
Best for: Agent network + digital
Auto lead
~$5-8
Home lead
$28
Agents
Nationwide
Pros
- Local agents
- Strong digital tools
Cons
- Prices vary widely
Affiliate link pending — via Impact/CJ.
3. Esurance — 4.3/5
Best for: Allstate-owned, online-first
Lead
$10
Best for
Digital shoppers
Parent
Allstate
Pros
- Fully online quotes
- Competitive rates
Cons
- No local agents
Affiliate link pending — via FlexOffers.
4. USAA — 4.8/5
Best for: Military families
Best for
Military
Service
Top-rated
Rates
Excellent
Pros
- Best customer satisfaction
- Great rates for eligible
Cons
- Military affiliation required
Affiliate link pending — military eligibility required.
5. GEICO — 4.5/5
Best for: Low rates, gecko
Best for
Low rates
Discounts
Many
App
Highly rated
Pros
- Consistently cheap
- Easy online experience
Cons
- Fewer local agents
Affiliate link pending — affiliate program.
6. Progressive — 4.4/5
Best for: Comparison + Snapshot
Best for
High-risk drivers
Tool
Name Your Price
Snapshot
Usage discount
Pros
- Good for imperfect records
- Snapshot saves safe drivers
Cons
- Rate hikes reported
Affiliate link pending — affiliate program.
How we chose
- We reviewed available programs and providers in this category as of October 2026.
- Ratings weigh public reputation, terms, fees, and customer reviews.
- We prioritize providers with live affiliate programs so our guides stay free — this never changes our ratings.
Frequently asked questions
How to choose an insurer?
Compare price AND claims satisfaction — cheap means nothing if claims are denied.
Bundle discounts?
Bundling auto+home typically saves 10-25%.
How often to shop?
Every 1-2 years, or after major life changes.
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