We scored 8 major carriers on the same scorecard.
Every carrier below is rated on the same four dimensions: price competitiveness, claims experience, digital tools, and coverage options. Scores are Critic Farm's own editorial estimate, not pulled from an official rating agency — see our methodology for how we build them.
USAA
Best for military members, veterans, and their families
State Farm
Best for drivers who want a local agent and easy bundling
Progressive
Best for higher-risk drivers and those who want to compare rates easily
GEICO
Best for budget-conscious drivers comfortable managing everything online
Nationwide
Best for existing Nationwide banking or investment customers who want to bundle
Allstate
Best for drivers who want extensive add-on coverage and a local agent
Liberty Mutual
Best for drivers who want highly customizable coverage add-ons
Farmers
Best for owners of classic cars or specialty vehicles who want agent guidance