Real 2026 rate benchmarks, AM Best grades, and telematics scoring rules for America's top 10 P&C insurers.
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Insurance regulations and rates vary wildly by state. Click any key state to see local minimums and top carriers:
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For drivers with clean records, GEICO and Erie Insurance (in the 12 states it serves) consistently rank among the most affordable. For drivers with recent speeding tickets, an at-fault collision, or continuous insurance gaps, Progressive often provides the most competitive quotes.
State minimums (like 25/50/25 in Texas or California) only cover up to $25,000 in property damage. Since the average new car costs over $48,000, hitting a luxury car, SUV, or causing a multi-car chain reaction can leave you with $30,000+ in out-of-pocket debt. Carrying at least 100/300/100 liability protects your home and savings.
State Farm's Drive Safe & Save is a "discount-only" program in almost every state—if you drive poorly, you won't get a discount, but your base rate won't go up. Progressive's Snapshot, however, can add a surcharge (rate hike) to your policy if it records frequent hard braking, late-night driving, or rapid acceleration.