Compare hub · 14 carriers
Carrier vs. carrier.
Head-to-head reviews of the 14 largest auto carriers, ranked on NAIC complaint ratios, J.D. Power claims satisfaction, average premiums, and telematics quality. Independent — no carrier pays for placement.
Updated Q2 2026
✓ NAIC verified May 9, 2026
Choose pair:
Carrier A
Geico
Est. 1936 · 50 states
Carrier B
Progressive
Est. 1937 · 50 states
Editor's note:Geico undercuts Progressive on clean-record pricing by ~$210/yr on average; Progressive wins for SR-22 filers and high-risk pools.
| Avg full-coverage (clean record) | $1,486 | $1,694 |
| Avg SR-22 (post-DUI) | $3,212 | $2,488 |
| Telematics program | DriveEasy | Snapshot |
| NAIC complaint index (2025) | 0.81 | 1.02 |
| Best for | Direct buyers, clean records | High-risk, bundled, SR-22 |
All carriers · Ranked
By NAIC complaint index (lower = better)01
Erieest. 1925
Highest-rated regional. Mid-Atlantic + Midwest only.
0.39
NAIC idx
02
USAAest. 1922
Military families only. Lowest complaint ratio in industry.
0.41
NAIC idx
03
Auto-Ownersest. 1916
Agent-only. Consistently lowest-priced in MI, OH, IN.
0.44
NAIC idx
04
State Farmest. 1922
Agent network. Top claims-satisfaction in 2026 J.D. Power.
0.68
NAIC idx
05
Mercuryest. 1961
CA, TX, GA, OK strongholds. Among cheapest in CA for clean records.
0.71
NAIC idx
06
Travelersest. 1864
IntelliDrive UBI. Stronger in Northeast + Mid-Atlantic.
0.79
NAIC idx
07
Geicoest. 1936
Largest direct-writer. Strongest pricing for clean records in TX, VA, FL.
0.81
NAIC idx
08
Nationwideest. 1925
SmartRide telematics, vanishing-deductible program.
0.88
NAIC idx
09
Lemonadeest. 2015
AI-first claims (Maya/AI Jim). Limited footprint, tech-forward.
0.92
NAIC idx
10
Allstateest. 1931
Drivewise telematics, accident-forgiveness optional.
0.94
NAIC idx
11
Progressiveest. 1937
Snapshot telematics. Wider acceptance for high-risk + SR-22 filers.
1.02
NAIC idx
12
Farmersest. 1928
Signal telematics. Tiered policy menu (Standard/Enhanced/Premier).
1.06
NAIC idx
13
Rootest. 2015
Telematics-first. Test-drive period determines base rate.
1.18
NAIC idx
14
Liberty Mutualest. 1912
Broad coverage menus. Higher-than-avg complaint ratio.
1.31
NAIC idx
AD · 728×90 / 970×120 · responsive leaderboardslot id · compare-bottom
✶ The Weekly Brief
Auto insurance news, decoded for working drivers.
Rate filings, fraud cases, and the policy moves that actually change premiums — summarized and explained.