Auto · Coverage
Auto insurance, decoded.
Independent rankings and plain-English guides for auto coverage.
The Auto Nerd Score leaderboard
Ranked by overall Nerd Score (0–100). Tap any carrier for the full sourced breakdown.
6 carriers · updated Jun 28 2026
| # | Carrier | Best for | Claims | Score | |
|---|---|---|---|---|---|
| 1 | US USAAMilitary families | Military families | 87 | Read → | |
| 2 | PR ProgressiveBest for high-risk | Best for high-risk | 80 | Read → | |
| 3 | G GEICOBest overall value | Best overall value | 78 | Read → | |
| 4 | SF State FarmBest for service | Best for service | 78 | Read → | |
| 5 | NW NationwideBundling discounts | Bundling discounts | 74 | Read → | |
| 6 | AL AllstateAdd-on options | Add-on options | 68 | Read → |
Sources: Price: USAA Auto Insurance Review 2026 — average full-coverage premium vs. national average (2026) · Claims: J.D. Power 2025 U.S. Auto Claims Satisfaction Study — USAA scored 741/1,000 (displayed for informational purposes only; not officially ranked due to membership-eligibility restrictions, industry avg. 700) (2025) · Coverage: USAA — Car Insurance Coverage Options (rideshare coverage in 37 states, accident forgiveness, car replacement assistance in lieu of stand-alone gap) (2026) · Digital: USAA Mobile — Apple App Store rating (4.8/5, 2.3M+ ratings) (2026)
The Nerd Score™
One number. Four pillars. Published math.
Every score above is computeScore(pillars) — no hand-tuning, no carrier paid for placement. We weight claims heaviest because a policy is only worth what it pays when something goes wrong.
30%Price
35%Claims
20%Coverage
15%Digital
Note: USAA's claims input is an attributed estimate — J.D. Power excludes military-only carriers from its ranked study. Every other figure maps to a published source. See the full methodology →
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