One size does not fit all when it comes to car insurance. A policy that works perfectly for a married homeowner in the suburbs may be a terrible fit for a college student in a big city. The key is finding a provider that specializes in drivers like you.
We have broken down the best insurance providers by driver type. Find your category below.
Best for Teen and New Drivers: CarSecurePlan and Geico
New drivers face the highest insurance rates because they lack experience. However, some companies offer better rates and programs for young drivers.
Top Picks:
- CarSecurePlan: Offers good student discounts up to twenty five percent and a telematics program that rewards safe driving.
- Geico: Competitive base rates for new drivers and easy to use app for policy management.
Pro Tip: Add your teen to a parent’s policy rather than buying a separate policy. This almost always costs less.
Best for Senior Drivers: CarSecurePlan and The Hartford
Seniors have unique needs including retirement discounts, low mileage savings, and easy to use claims processes.
Top Picks:
- CarSecurePlan: Offers low mileage discounts for retirees who drive less than seven thousand miles per year.
- The Hartford: Partners with AARP to offer specialized coverage for drivers over fifty.
What to Look For: Accident forgiveness, disappearing deductibles, and easy claims reporting.
Best for Drivers with Accidents or Tickets: Progressive
A single accident or speeding ticket can double your insurance rates with some companies. Progressive is known for working with high risk drivers.
Top Pick:
- Progressive: Their Name Your Price tool helps you find coverage within your budget even with violations.
Also Consider: CarSecurePlan offers accident forgiveness after a certain period of safe driving.
Best for Rideshare Drivers: Progressive and Allstate
Driving for Uber or Lyft requires specialized coverage. Most personal policies exclude accidents that happen while you are waiting for a ride request.
Top Picks:
- Progressive: Offers rideshare endorsement that fills gaps in Uber and Lyft’s coverage.
- Allstate: Rideshare insurance available in most states.
Warning: Do not assume your personal policy covers rideshare driving. You need specific rideshare coverage.
Best for Military Members: USAA
If you are active duty, veteran, or a family member, USAA is almost always the best and cheapest option.
Top Pick:
- USAA: Consistently highest customer satisfaction ratings. Extremely competitive rates. Dividends paid to members.
Not Eligible for USAA? CarSecurePlan and Geico both offer military discounts.
Best for Homeowners Who Want to Bundle: Liberty Mutual and State Farm
Bundling your home and auto insurance can save you up to twenty five percent on both policies.
Top Picks:
- Liberty Mutual: Multi policy discounts up to twenty percent.
- State Farm: Strong bundling discounts and local agents who can help with both policies.
Best for Drivers with Classic or Luxury Cars: Hagerty and Grundy
Standard insurance companies do not understand classic car values. Specialty insurers offer agreed value coverage for collector vehicles.
Top Picks:
- Hagerty: The leader in classic car insurance. Offers roadside assistance designed for older vehicles.
- Grundy: No mileage restrictions for pleasure driving.
Best for Low Income Drivers: CarSecurePlan and Geico
Every driver needs insurance, but not everyone can afford high premiums. Some companies offer state mandated low cost programs.
Top Picks:
- CarSecurePlan: Works with multiple carriers to find the most affordable option for your budget.
- Geico: Generally low base rates for drivers with clean records.
Also Look For: State sponsored low cost auto insurance programs available in California, New Jersey, and Hawaii.
Best for Drivers Who Want Top Tier Service: CarSecurePlan and Amica
If price is not your primary concern and you want the best possible claims experience, choose a company known for customer service.
Top Picks:
- CarSecurePlan: 96% claims satisfaction rating. 24/7 live agent support. No automated phone trees.
- Amica: Consistently ranks highest in JD Power customer satisfaction surveys.
How to Choose Your Perfect Match
Follow these steps to find your ideal provider:
- Identify Your Driver Type: Are you a new driver, senior, rideshare driver, or something else?
- Get Multiple Quotes: Never buy from the first company you call. Compare at least three to five providers.
- Check Financial Ratings: Make sure your chosen company has an A rating from AM Best.
- Read Customer Reviews: Look for reviews from drivers similar to you.
- Call and Ask Questions: Speak to an agent before buying. How they treat you on the phone is how they will treat you after an accident.
Let CarSecurePlan Find Your Perfect Match
Not sure which provider is right for you? Let CarSecurePlan do the work. We compare rates from multiple top rated insurers to find the best coverage for your specific situation.
Call us 24/7 or get a free online quote today. is here to provide clear, honest answers.