{
  "canary": "897b8eb58b9672ad",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Tarif",
        "key": "prix_annuel",
        "label": "Price / Year",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Tarif",
        "key": "remises_disponibles",
        "label": "Available Discounts",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "%"
      },
      {
        "group": "Réputation",
        "key": "notation_client",
        "label": "Customer Rating",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "/5"
      },
      {
        "group": "Réputation",
        "key": "service_client",
        "label": "Customer Service",
        "options": [
          "Poor",
          "Average",
          "Good",
          "Excellent"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Réputation",
        "key": "facilite_reclamation",
        "label": "Claims Handling Ease",
        "options": [
          "Difficult",
          "Average",
          "Easy"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Réputation",
        "key": "solidite_financiere",
        "label": "Financial Strength",
        "options": [
          "Adequate",
          "Strong",
          "Excellent"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Garanties",
        "key": "couverture_options",
        "label": "Coverage Options",
        "options": [
          "Basic",
          "Standard",
          "Premium"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Services",
        "key": "options_numeriques",
        "label": "Digital Tools",
        "options": [
          "Limited",
          "Standard",
          "Advanced"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Services",
        "key": "vitesse_devis",
        "label": "Quote Speed",
        "options": [
          "Slow",
          "Average",
          "Fast"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Services",
        "key": "options_paiement",
        "label": "Payment Options",
        "options": [
          "Limited",
          "Standard",
          "Flexible"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "enum"
      }
    ],
    "faq": [
      {
        "a": "In 2026, USAA leads our ranking with a score of 88/100, followed closely by Progressive. Our comparison is based on key factors like price, discounts, customer ratings, service, claims handling, and financial strength.",
        "q": "What are the best car insurance companies in 2026?"
      },
      {
        "a": "We rank car insurance providers based on a comprehensive analysis of price, available discounts, customer ratings, customer service quality, ease of claims handling, and financial strength. Our rankings are objective and not influenced by any paid placements.",
        "q": "How do you rank car insurance providers?"
      },
      {
        "a": "USAA is currently at the top of our ranking with a score of 88/100, indicating strong performance across our comparison criteria. Progressive is also a highly-rated option.",
        "q": "Is USAA the top car insurance company?"
      },
      {
        "a": "You can find unbiased car insurance reviews on our comparison page, which details our methodology and ensures all data is sourced transparently. We do not accept payment for rankings.",
        "q": "Where can I find unbiased car insurance reviews?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2550,
    "neutral": false,
    "path": [
      "finance",
      "assurance",
      "assurance-auto"
    ],
    "price_key": "prix_annuel",
    "profile_questions": [
      {
        "options": [
          "18-25",
          "26-40",
          "41-65",
          "65+"
        ],
        "q": "What is your age group?"
      },
      {
        "options": [
          "Clean record",
          "1 ticket in last 3 years",
          "2+ tickets or accidents in last 3 years"
        ],
        "q": "What is your driving record?"
      },
      {
        "options": [
          "Minimum Liability",
          "Full Coverage",
          "Customized"
        ],
        "q": "What coverage level are you looking for?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "compare car insurance quotes",
      "cheapest car insurance",
      "car insurance for young drivers",
      "full coverage car insurance"
    ],
    "synthese": [
      "This comparison of 11 auto insurance providers across 10 criteria, including price, available discounts, customer rating, customer service, claims handling ease, and financial strength, places USAA first with a score of 88/100, largely due to its perfect scores in claims handling ease and digital tools, while also being the cheapest option; Progressive follows at 77/100, excelling in available discounts.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Car Insurance Companies",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 11.8,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest",
        "best_value"
      ],
      "best_for": "drivers seeking strong customer service and low rates, who are military members, veterans, or their immediate family members.",
      "cons": [
        "Doesn't offer new car replacement or custom parts and equipment coverage",
        "Diminishing deductible is not available",
        "Received a low grade (D+) from repair specialists on its claims handling",
        "Only those in the military community are eligible to buy a USAA auto policy"
      ],
      "description": "USAA scores on J.D.Power's claims satisfaction study far exceed the other auto insurance companies we evaluated, plus its superb digital experience score makes it our winner for best customer service.",
      "link_url": "https://usaa.com/",
      "logo_dom": "usaa.com",
      "logo_url": "https://unavatar.io/usaa.com?fallback=false",
      "name": "USAA",
      "pros": [
        "Earned our highest marks in our customer service rankings",
        "Third-cheapest rates overall among the insurers we analyzed",
        "Scored highly for its mobile app digital experience",
        "Offers accident forgiveness, gap insurance and rideshare insurance"
      ],
      "provider": "USAA",
      "rating": 3.9,
      "score": 88.0,
      "source_url": "https://finance.yahoo.com/personal-finance/insurance/article/best-car-insurance-220609280.html",
      "subscores": {
        "facilite_reclamation": 100.0,
        "notation_client": 96.0,
        "options_numeriques": 100.0,
        "options_paiement": 100.0,
        "prix_annuel": 100.0,
        "remises_disponibles": 88.0,
        "service_client": 100.0,
        "solidite_financiere": 100.0,
        "vitesse_devis": 100.0
      },
      "values": {
        "couverture_options": "Premium",
        "facilite_reclamation": "Easy",
        "notation_client": 4.8,
        "options_numeriques": "Advanced",
        "options_paiement": "Flexible",
        "prix_annuel": 1200,
        "remises_disponibles": 22,
        "service_client": "Excellent",
        "solidite_financiere": "Excellent",
        "vitesse_devis": "Fast"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "drivers who want a balance of price, flexibility, and self-service tools, especially those comparing multiple quotes or with prior claims.",
      "cons": [],
      "description": "Progressive remains one of the largest auto insurance companies in the U.S., known for competitive pricing and flexible coverage.",
      "logo_dom": "progressive.com",
      "logo_url": "https://unavatar.io/progressive.com?fallback=false",
      "name": "Progressive",
      "pros": [
        "Competitive pricing",
        "Flexible coverage",
        "Strong self-service tools",
        "Customizable deductibles"
      ],
      "provider": "Progressive",
      "rating": 3.6,
      "score": 77.0,
      "source_url": "https://nsure.com/top-10-auto-insurance-companies-in-usa/",
      "subscores": {
        "facilite_reclamation": 100.0,
        "notation_client": 84.0,
        "options_numeriques": 100.0,
        "options_paiement": 100.0,
        "prix_annuel": 60.0,
        "remises_disponibles": 100.0,
        "service_client": 67.0,
        "solidite_financiere": 100.0,
        "vitesse_devis": 100.0
      },
      "values": {
        "couverture_options": "Premium",
        "facilite_reclamation": "Easy",
        "notation_client": 4.2,
        "options_numeriques": "Advanced",
        "options_paiement": "Flexible",
        "prix_annuel": 1400,
        "remises_disponibles": 25,
        "service_client": "Good",
        "solidite_financiere": "Excellent",
        "vitesse_devis": "Fast"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "A highly-rated car insurance company known for its strong financial stability and excellent customer service.",
      "estimated": true,
      "link_url": "https://www.statefarm.com/",
      "logo_dom": "state.com",
      "logo_url": "https://unavatar.io/state.com?fallback=false",
      "name": "State Farm",
      "provider": "State Farm",
      "score": 77.0,
      "source_url": "https://www.statefarm.com/",
      "subscores": {
        "facilite_reclamation": 100.0,
        "notation_client": 90.0,
        "options_numeriques": 100.0,
        "options_paiement": 100.0,
        "prix_annuel": 40.0,
        "remises_disponibles": 80.0,
        "service_client": 100.0,
        "solidite_financiere": 100.0,
        "vitesse_devis": 100.0
      },
      "values": {
        "couverture_options": "Premium",
        "facilite_reclamation": "Easy",
        "notation_client": 4.5,
        "options_numeriques": "Advanced",
        "options_paiement": "Flexible",
        "prix_annuel": 1500,
        "remises_disponibles": 20,
        "service_client": "Excellent",
        "solidite_financiere": "Excellent",
        "vitesse_devis": "Fast"
      }
    },
    {
      "badges": [],
      "best_for": "discount hunters and those seeking straightforward digital convenience, especially safe drivers and federal/military employees.",
      "cons": [
        "Coverage flexibility can be more limited compared to some competitors"
      ],
      "description": "GEICO is one of the most recognized general car insurance companies, largely because of its direct-to-consumer model and strong pricing.",
      "logo_dom": "geico.com",
      "logo_url": "https://unavatar.io/geico.com?fallback=false",
      "name": "Geico",
      "pros": [
        "Strong pricing",
        "Practical discount structure",
        "Simple and efficient digital tools",
        "Offers lower premiums for safe drivers and federal/military employees"
      ],
      "provider": "Geico",
      "rating": 3.2,
      "score": 69.0,
      "source_url": "https://nsure.com/top-10-auto-insurance-companies-in-usa/",
      "subscores": {
        "facilite_reclamation": 50.0,
        "notation_client": 86.0,
        "options_numeriques": 100.0,
        "options_paiement": 50.0,
        "prix_annuel": 80.0,
        "remises_disponibles": 60.0,
        "service_client": 67.0,
        "solidite_financiere": 100.0,
        "vitesse_devis": 100.0
      },
      "values": {
        "couverture_options": "Standard",
        "facilite_reclamation": "Average",
        "notation_client": 4.3,
        "options_numeriques": "Advanced",
        "options_paiement": "Standard",
        "prix_annuel": 1300,
        "remises_disponibles": 15,
        "service_client": "Good",
        "solidite_financiere": "Excellent",
        "vitesse_devis": "Fast"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "drivers who want hands-on support, families managing multiple vehicles, and people prioritizing service over the lowest price.",
      "cons": [
        "Often not the cheapest option"
      ],
      "description": "Allstate focuses heavily on customer service and agent support, providing strong coverage and tools.",
      "link_url": "https://allstate.com/",
      "logo_dom": "allstate.com",
      "logo_url": "https://unavatar.io/allstate.com?fallback=false",
      "name": "Allstate",
      "pros": [
        "Strong brand and broad availability",
        "Local-agent support",
        "Increasingly digital shopping experience",
        "Programs reward safe driving and offer accident forgiveness"
      ],
      "provider": "Allstate",
      "rating": 4.2,
      "score": 58.0,
      "source_url": "https://nsure.com/top-10-auto-insurance-companies-in-usa/",
      "subscores": {
        "facilite_reclamation": 100.0,
        "notation_client": 82.0,
        "options_numeriques": 50.0,
        "options_paiement": 50.0,
        "prix_annuel": 20.0,
        "remises_disponibles": 72.0,
        "service_client": 67.0,
        "solidite_financiere": 100.0,
        "vitesse_devis": 50.0
      },
      "values": {
        "couverture_options": "Premium",
        "facilite_reclamation": "Easy",
        "notation_client": 4.1,
        "options_numeriques": "Standard",
        "options_paiement": "Standard",
        "prix_annuel": 1600,
        "remises_disponibles": 18,
        "service_client": "Good",
        "solidite_financiere": "Excellent",
        "vitesse_devis": "Average"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "drivers who want a mix of affordability and reliability, especially low-mileage drivers seeking flexible monthly rates.",
      "cons": [],
      "description": "Nationwide combines solid coverage options with a wide range of discounts, positioned as a balanced choice among top automobile insurance companies.",
      "link_url": "https://nationwide.com/",
      "logo_dom": "nationwide.com",
      "logo_url": "https://unavatar.io/nationwide.com?fallback=false",
      "name": "Nationwide",
      "pros": [
        "Solid coverage options",
        "Wide range of discounts",
        "Good bundling discounts",
        "Flexible policy options"
      ],
      "provider": "Nationwide",
      "rating": 4.0,
      "score": 54.0,
      "source_url": "https://nsure.com/top-10-auto-insurance-companies-in-usa/",
      "subscores": {
        "facilite_reclamation": 50.0,
        "notation_client": 84.0,
        "options_numeriques": 50.0,
        "options_paiement": 50.0,
        "prix_annuel": 30.0,
        "remises_disponibles": 68.0,
        "service_client": 67.0,
        "solidite_financiere": 100.0,
        "vitesse_devis": 50.0
      },
      "values": {
        "couverture_options": "Standard",
        "facilite_reclamation": "Average",
        "notation_client": 4.2,
        "options_numeriques": "Standard",
        "options_paiement": "Standard",
        "prix_annuel": 1550,
        "remises_disponibles": 17,
        "service_client": "Good",
        "solidite_financiere": "Excellent",
        "vitesse_devis": "Average"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "drivers who prefer agent support and want more guidance when choosing coverage, especially for bundled home and auto policies.",
      "cons": [],
      "description": "Safeco operates through independent agents, which gives it more flexibility in tailoring policies and benefits from being tied to one of the country’s larger insurance organizations, Liberty Mutual Group.",
      "link_url": "https://libertymutual.com/",
      "logo_dom": "liberty.com",
      "logo_url": "https://unavatar.io/liberty.com?fallback=false",
      "name": "Liberty Mutual",
      "pros": [
        "Flexibility in tailoring policies through independent agents",
        "Strong financial backing from Liberty Mutual Group",
        "Customizable coverage",
        "Mid-range pricing with solid coverage"
      ],
      "provider": "Liberty Mutual",
      "rating": 3.8,
      "score": 53.0,
      "source_url": "https://nsure.com/top-10-auto-insurance-companies-in-usa/",
      "subscores": {
        "facilite_reclamation": 50.0,
        "notation_client": 82.0,
        "options_numeriques": 50.0,
        "options_paiement": 50.0,
        "prix_annuel": 50.0,
        "remises_disponibles": 76.0,
        "service_client": 67.0,
        "solidite_financiere": 50.0,
        "vitesse_devis": 50.0
      },
      "values": {
        "couverture_options": "Standard",
        "facilite_reclamation": "Average",
        "notation_client": 4.1,
        "options_numeriques": "Standard",
        "options_paiement": "Standard",
        "prix_annuel": 1450,
        "remises_disponibles": 19,
        "service_client": "Good",
        "solidite_financiere": "Strong",
        "vitesse_devis": "Average"
      },
      "verified": true
    },
    {
      "badges": [],
      "cons": [],
      "description": "Farmers offers a wide variety of coverage options and discounts.",
      "logo_dom": "farmers.com",
      "logo_url": "https://unavatar.io/farmers.com?fallback=false",
      "name": "Farmers Insurance",
      "pros": [],
      "provider": "Farmers Insurance",
      "rating": 4.4,
      "score": 39.0,
      "source_url": "https://finance.yahoo.com/personal-finance/insurance/article/best-car-insurance-220609280.html",
      "subscores": {
        "facilite_reclamation": 50.0,
        "notation_client": 80.0,
        "options_numeriques": 50.0,
        "options_paiement": 50.0,
        "prix_annuel": 0.0,
        "remises_disponibles": 60.0,
        "service_client": 33.0,
        "solidite_financiere": 50.0,
        "vitesse_devis": 50.0
      },
      "values": {
        "couverture_options": "Premium",
        "facilite_reclamation": "Average",
        "notation_client": 4.0,
        "options_numeriques": "Standard",
        "options_paiement": "Standard",
        "prix_annuel": 1700,
        "remises_disponibles": 15,
        "service_client": "Average",
        "solidite_financiere": "Strong",
        "vitesse_devis": "Average"
      },
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "name": "The Hartford",
      "score": 35.0,
      "subscores": {
        "couverture_options": 100.0,
        "facilite_reclamation": 50.0,
        "notation_client": 96.0,
        "remises_disponibles": 44.0,
        "service_client": 33.0
      },
      "values": {
        "couverture_options": 13,
        "facilite_reclamation": "Average",
        "notation_client": 4.8,
        "remises_disponibles": 11,
        "service_client": "Average"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "American Family",
      "score": 27.0,
      "subscores": {
        "couverture_options": 85.0,
        "notation_client": 100.0,
        "remises_disponibles": 68.0
      },
      "values": {
        "couverture_options": 11,
        "notation_client": 5,
        "remises_disponibles": 17
      }
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Costco Auto Insurance",
      "score": 22.0,
      "subscores": {
        "couverture_options": 77.0,
        "notation_client": 82.0,
        "remises_disponibles": 36.0
      },
      "values": {
        "couverture_options": 10,
        "notation_client": 4.1,
        "remises_disponibles": 9
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-car-insurance-companies.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best car insurance companies",
  "source": "CompareFairly",
  "title": "Best Car Insurance Companies",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-car-insurance-companies"
}