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Comparison · 4 products tested against published criteria
Four national insurers compared on cover, claims handling, discounts and who they actually price well for.
By THRYV News Desk · Updated August 26, 2026 · 9 min read
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Prices shown without a retailer are manufacturer list prices. Checked offers show the retailer and the time we last verified the price.
Insurance pricing is individual: the same four insurers can each be cheapest for a different driver on the same street. So we compared what does not change with your postcode — the cover on offer, how claims are handled, what the telematics programmes really do to a premium, and where each insurer is consistently competitive. Always run at least three quotes before renewing.
| Product | Score | Price | Cover | Claims | Discounts | Telematics | Availability | Buy |
|---|---|---|---|---|---|---|---|---|
| AmicaAuto InsuranceBest for claims | 8.8 | Quote-based | Liability, collision, comprehensive, uninsured motorist | 24/7 phone and online, in-house adjusters | Multi-policy, loyalty, safe driving | Optional | Most US states | |
| GEICOAuto InsuranceBest value | 8.5 | Quote-based | Liability, collision, comprehensive, uninsured motorist | App, web and phone | Multi-vehicle, good driver, military, federal employee | DriveEasy where offered | All 50 states | |
| ProgressiveAuto Insurance | 8.2 | Quote-based | Liability, collision, comprehensive, uninsured motorist | 24/7 app, web and phone | Bundling, snapshot, continuous insurance | Snapshot | All 50 states | |
| State FarmAuto Insurance | 8.0 | Quote-based | Liability, collision, comprehensive, uninsured motorist | Agent, app and phone | Bundling, safe driver, student | Drive Safe & Save | Most US states | |
| Best price today |
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Prices shown without a retailer are manufacturer list prices. Checked offers show the retailer and the time we last verified the price.
The claims-service pick, at a price that reflects it.
Quote-based
Usually the cheapest of the big four for clean records.
Quote-based
Best odds of a workable price after a blemish on your record.
Quote-based
The agent-led option, useful when you want a person.
Quote-based
Amica is the one to choose if the claim matters more than the quote, and its dividend policy softens the price. GEICO is usually cheapest for a clean record, Progressive is the realistic option after a ticket or at-fault claim, and State Farm is the pick when you want a local agent to call.
Our pick
Amica Auto Insurance
Specifications and list prices come from each manufacturer's own product page. Offer prices are read from the retailer at the time shown next to the price and are not supplied by the brands.
THRYV publishes the criteria before the shortlist, scores each product against them, and states plainly where a figure comes from the manufacturer rather than our own testing. Prices change constantly — we publish only offers we checked ourselves, with the time we checked. We may earn a commission from the links on this page; it never changes a ranking or a score.
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