Quite simply, Travelers didn’t inspire enough confidence with its claims satisfaction. We know one survey doesn’t paint an entire picture, but Travelers was the lowest-scoring insurer of our top picks. Its J.D. Power score of 851 out of 1,000 is below the industry average, and since our research consistently pointed to claims satisfaction as the best indicator of customer experience, we couldn’t give Travelers the top spot in confidence.
Fresno’s 495,000 residents are just a short day trip’s drive of less than 80 miles from Yosemite and Sequoia National Parks. We found the most affordable car insurance rates in Fresno at GEICO, Nationwide and State Farm. Across those three insurers, the mean price was $1,085 for our sample 30 year old driver. This amount represents a 46% discount to the average Fresno rate. Rates for the top five cheap local auto insurers are as follows:
It’s important to note that every company considers credit very differently, and even among insurers this factor fluctuates by state. For example, NerdWallet’s 2019 car insurance rate analysis indicates that while State Farm charges higher rates for poor credit in many states, it doesn’t seem to do so in Maine. Similar variations are true for many other companies as well.
Results: Even without having to link a current insurance company’s account, I was still able to receive three quotes – only after I had built out my driver profile with car information and specifics about my driving record. The few quotes I received for the coverage level I selected were reported as more or less accurate, but Gabi advised that I should “act fast,” as the “quotes could change anytime.” If I selected a quote, I had to enter remaining details about my driving record (such as my driver’s license number) before moving on to payment preferences. Furthermore, Gabi followed up with texts to my personal number, which was technically convenient, but something of an annoyance.
Progressive impressed us with a solid array of discounts, including deductions for simple things like signing a new policy early and opting for paperless billing. The company has historically been known for insuring "riskier" drivers than many of its competitors, and it shows: Progressive is our only contender that offers a near unheard-of discount for drivers under 18 (who have a crash rate that’s almost nine times higher than that of middle-aged drivers).

When it comes to supplemental coverage, Travelers is hard to beat. It consistently met our marks for what we considered “the essentials” and it offers unique coverage, too. That includes accident forgiveness, GAP insurance, and special coverage for drivers employed by ridesharing operations like Uber and Lyft (though this add-on is currently only available in Colorado and Illinois).
Fresno’s 495,000 residents are just a short day trip’s drive of less than 80 miles from Yosemite and Sequoia National Parks. We found the most affordable car insurance rates in Fresno at GEICO, Nationwide and State Farm. Across those three insurers, the mean price was $1,085 for our sample 30 year old driver. This amount represents a 46% discount to the average Fresno rate. Rates for the top five cheap local auto insurers are as follows:
Whether you want broad coverage for the best protection available or you just want what's required by law to stay legal, our agents can help you select the insurance products that meet your needs, including helping you save money on costly Boston car insurance. We also help high-risk drivers – new drivers as well as those with bad driving records – get coverage at a cost they can afford. And if you've had your insurance canceled, our agents know how to find you a new policy that will offer you the protection you want. Need commercial drivers' insurance? No problem. We have lots of experience finding the right insurance coverage for commercial drivers whose risk profiles may be more complex.
I LOVE USAA! I am surprised it’s not higher on that list. I had Allstate and they never fought for me or my family even though we were paying more than we are paying now. Over where we are at, the speed limit for the highway is 70. There was hardly anyone on the road so my husband drive on the far left since there is a lot of exits in the far right lane. This woman pulled out in the far left lane doing 20. My husband didn’t have time to break because she pulled out right in from God us with no turn signal. But Always was already assuming it was his fault even though they can review the car to see how fast he was going and who was in the wrong. I am glad we dropped them and moved to USAA. They are the best!

The Zebra is another free auto insurance comparison website. The site’s name refers to its founders’ goal of presenting “insurance in black and white.” TheZebra.com has a few articles about choosing car insurance, a car insurance calculator, and some basic information about other types of insurance in addition to its quoting tool. It is rated 4.7 out of 5, and has 565 user reviews on ShopperApproved.
Reviews.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full Advertiser Disclosure. Reviews.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product’s website. All products are presented without warranty.
Drivers looking for low car insurance costs in San Jose should start with quotes from GEICO, Nationwide and Century National. The mean annual premium from these three insurers was $1,163 based on our data, which is about 49% cheaper than the overall average in San Jose. Citywide, the cost of car insurance is about $1,731 a year, which places the Capital of Silicon Valley at the 93rd cheapest spot in our survey of Californian cities.
State Farm is the largest car insurance company in the nation, per the Insurance Information Institute in 2018. Fortunately, it’s also one of the best — especially when it comes to the customer service experience. In 2018, State Farm received high praise from J.D. Power for its service interaction and claims handling. And of all the insured drivers we surveyed, it received the most positive remarks by far.

When you receive your instant car insurance quote from Nationwide, you will get three options to choose from, making it easy to select a policy that’s right for you and your budget. You can also change coverages to create a more personalized policy. Find out more about Nationwide’s auto insurance coverage options which include collision, liability and comprehensive coverage.


There are a million things to worry about when you’re involved in an accident. Whether or not your insurance company will be able to pay your claim shouldn’t be one of them. A strong financial rating is the best way to guarantee your provider can pay what you need, when you need it, so we made sure all of our picks had strong ratings based on the Insurance Information Institute’s (III) guidelines.
Whether you want broad coverage for the best protection available or you just want what's required by law to stay legal, our agents can help you select the insurance products that meet your needs, including helping you save money on costly Boston car insurance. We also help high-risk drivers – new drivers as well as those with bad driving records – get coverage at a cost they can afford. And if you've had your insurance canceled, our agents know how to find you a new policy that will offer you the protection you want. Need commercial drivers' insurance? No problem. We have lots of experience finding the right insurance coverage for commercial drivers whose risk profiles may be more complex.

Results: Once I submitted my information, the site produced one quote, along with six links to other insurance companies. “View my quote” buttons next to each quote took me to the beginning of the insurance website’s own quoting tool, making it clear that these were strictly hypothetical rates. Everquote provided a blurb of marketing text about two of the companies and no helpful information whatsoever to guide my decision.
The cheapest car insurance rates in Los Angeles were found at GEICO, Century National and Nationwide. Car insurance in LA can cost on average $2,257 for a 30 year old male, making it the second most expensive city in our study. However, if you go with quotes from our five cheapest companies in LA, then rates are about 30% cheaper than the average. Here are rates for the top five.
Within L.A. county rates can change dramatically. Even jumping one or two zip codes over within Los Angeles can make a difference for Angelenos. Moving the primary garage or parking spot from Long Beach to Walnut, for example, can reduce annual car insurance premiums by $259 for a 30 year old male. Overall the average rate of L.A. county is $1,780, with 25% of cities having rates under $1,700 for our sample driver. Overall, Walnut is the cheapest at $1,483 and Los Angeles proper the most expensive at $2,257.

The cheapest car insurance rates in Los Angeles were found at GEICO, Century National and Nationwide. Car insurance in LA can cost on average $2,257 for a 30 year old male, making it the second most expensive city in our study. However, if you go with quotes from our five cheapest companies in LA, then rates are about 30% cheaper than the average. Here are rates for the top five.


The next step is to look for a list of reputable and dependable insurers licensed in your state. States often produce annual reports that rank companies by their complaints. The National Association of Insurance Commissioners publishes complaint data at the Customer Information Source. Another source we recommend are industry surveys and consumer organizations. J.D. Power, for example, measures satisfaction on pricing, policy offerings, and claims handling. AM Best's Financial Strength Rating measures a company's financial ability to pay out insurance claims. Pick a handful of companies from these sources, about three to five, that are generally well rated.
The most affordable rates in Bakersfield, CA can be found at Nationwide, GEICO and Century National according to our data. With an overall city auto insurance average of $1,526, the city ranks as the 39th cheapest in California. However, going with the four cheapest insurers in the city gave our driver a better rate than the average in California's cheaper cities. The top five companies in Bakersfield are:
Whether you need to learn more about auto insurance, want to manage your policy online, or want to file a claim digitally, Allstate can offer that online experience. For first-time auto insurers, you can find detailed breakdowns of policy documents, tips for comparing rates, and blog articles on saving money and building a policy for young drivers.

There are two types of insurance comparison websites: quote comparison sites and lead generation sites. Auto quote comparison websites present users with rates based on information submitted during the shopping experience. You can then decide which quote to pursue, and the data you entered is transferred to the agent or company website, greatly shortening the purchasing process. These sites do not sell your information to insurance carriers or agencies.
We first looked for companies that received an "A-" or better (“strong”) from A.M. Best, a rating agency specifically focused on the insurance industry. Then, because the III recommends getting ratings from more than one agency, the best needed to earn at least an "AA-" (“very strong”) from S&P Global or an "Aa3" (“excellent”) or higher from Moody’s.
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