Car insurance comparison: how rates differ among top auto insurers
Insurer
Coverage options
Discount options
State Farm
Liability coverage
Medical payments coverage
Collision coverage
Comprehensive coverage
Uninsured motor vehicle coverage
Emergency road service coverage
Rideshare driver coverage
Drive Safe & Save: Allows you to cut yearly premiums by 30% depending on how safely you drive by signing up for the mobile app
Steer Clear: Enables new drivers or those aged 25 and under to slash annual premiums by up to 20% if they don’t have any at-fault accidents or moving violations in the past three years
Progressive Insurance
Liability coverage
Comprehensive coverage
Collision coverage
Uninsured/underinsured motorist coverage
Medical payments coverage
Gap insurance
Rental car reimbursement
Custom parts and equipment (CPE) value coverage
Rideshare coverage
Roadside assistance
Deductible savings bank
Snapshot safe driver discount: App that personalizes your rates based on how safely you drive
Continuous insurance: Customers who switch can save an amount depending on how long they have been continuously insured with their previous insurers
Good student discount: If you add a full-time student who maintains a B average or better to your policy, you can save an average of 10% on your annual premiums
GEICO
Liability coverage
Medical payments coverage
Personal injury protection
Uninsured/underinsured motorist coverage
Collision coverage
Comprehensive coverage
Emergency road services
Rental reimbursement coverage
Mechanical breakdown insurance
Vehicle equipment discount: Allows you to save up to 23% in annual premiums if your vehicle has air bags, anti-theft systems, and other safety features
Driving History & Habits: Enables you to save up to 22% in yearly premiums for being accident-free for five years
Federal employee (Eagle) and military discount: Up to 12% discount on annual premiums if you’re a member
Allstate
Liability coverage
Medical payments coverage
Personal injury protection
Uninsured/underinsured motorist coverage
Collision coverage
Comprehensive coverage
Custom equipment coverage
Roadside coverage
Personal umbrella insurance
Rental reimbursement coverage
Early signing discount: You’re eligible if you sign a policy at least seven days before it becomes effective
Allstate eSmart discount: You qualify if you go paperless by signing up for ePolicy
Smart student discount: Applies to full-time students under the age of 25 who have good grades, completed the teenSMART driver education program, and attend school at least 100 miles away from where the vehicle is garaged
USAA
Liability coverage
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist coverage
USAA SafePilot: Rewards safe drivers in eligible states with up to 30% discount on premiums
Reduction in comprehensive coverage premiums for garaging your car on a military installation
Liberty Mutual
Bodily injury liability coverage
Property damage coverage
Medical payments coverage
Collision coverage
Comprehensive coverage
Better car replacement
Rental car reimbursement
Gap coverage
Original parts replacement
Accident forgiveness
Lifetime repair guarantee
Liberty Mutual deductible fund
Teachers’ auto insurance
New car replacement
24-hour roadside assistance
Mexico car insurance
RightTrack: Rewards good driving behavior with up to 30% discount in premiums, with an initial discount just for participating
Early shopper discount: If you get a quote before your current policy expires, you may be eligible for a discount when you sign up.
Military discount: Applies to active, retired, or reserved members of the US Armed Forces.
Farmers
Liability coverage
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist coverage
Medical payments coverage
Personal injury protection
Towing and roadside services
Rental car reimbursement
Rideshare coverage
Loss-of-use coverage
Guaranteed value coverage
Customized equipment coverage
Personal umbrella coverage
Glass deductible buyback coverage
Full windshield and glass coverage
Spare parts coverage
Original equipment manufacturing (OEM) coverage
New car replacement coverage
Accident forgiveness coverage
Alternative fuel vehicle discount: For electric and hybrid vehicles and those that are designed to use alternative fuel such as natural gas, methane, and propane.
Business/professional group discount: Applies to current and retired employees of an occupation or professional group, if they meet the eligibility criteria.
Auto/life discount: For car insurance policyholders with a Farmers Life insurance policy.
Travelers
Liability coverage
Medical payments coverage
Personal injury protection
Uninsured/underinsured motorist coverage
Collision coverage
Comprehensive coverage
Loan/lease gap insurance
Rental coverage
New car replacement
Roadside assistance
Accident forgiveness
Rideshare coverage
Named non-owner
Umbrella insurance
Travelers Affinity Auto & Home Program: Offers savings and benefits to employees or members of participating businesses, associations, and credit unions.
IntelliDrive: Rewards safe drivers in select states with premium discounts by participating in the 90-day program.
Hybrid/electric car insurance discount: Applies to policyholders who own or lease a hybrid or electric car.
American Family Insurance
Liability coverage
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist coverage
Medical payments coverage
Personal injury protection
Gap insurance
Rental reimbursement coverage
Emergency road service coverage
Accidental death and dismemberment coverage
Pay How You Drive: Usage-based insurance program that allows you to save up to 20% in premiums for safe driving practices, with a 10% introductory discount just by signing up.
Steer Into Savings: If you switch from another car insurer, you may get a discount on your premiums.
Loyalty discount: Loyal customers are eligible for premium reductions depending on how long they have been with American Family.
Nationwide
Bodily injury liability coverage
Property damage coverage
Medical payments coverage
Personal injury protection
Uninsured/underinsured motorist coverage
Collision coverage
Comprehensive coverage
Rental car expense coverage
Gap coverage
Towing and labor coverage
Accident forgiveness
Vanishing deductible
Roadside assistance
Total loss deductible waiver
SmartRide: Usage-based insurance program that rewards you for making safer driving decisions.
SmartMiles: Offers flexible monthly rates based on your mileage.
Defensive driving: For drivers aged 55 years or older who complete a state-approved safety course.
