Car insurance companies, compared

Drivers who want the convenience of a large nationwide network of local captive agents along with usage-based and teen/young-driver discount programs.

Drivers nationwide who want a well-known, financially strong direct-and-agent insurer with many stackable discounts and a usage-based driving app.

Active-duty military members, National Guard/Reserve members, honorably discharged veterans, service academy cadets/midshipmen, and their spouses, widows/widowers and children.

Drivers who want a large, well-known national insurer with broad coverage options, a telematics discount program, and the convenience of buying online, by phone, or through a local agent.

Drivers who prefer buying through a local independent agent and want to bundle several policies for multi-policy savings.

Drivers within Erie's 13-jurisdiction footprint who want personalized independent-agent service, bundling and rate stability rather than a fully online nationwide insurer

Active AAA membership (per a third-party review; not stated on the official CSAA pages retrieved)

Drivers in Mercury's 11 operating states who want an independent-agent-sold policy with bundling and telematics discount options

High-risk and non-standard drivers — those with past violations, accidents, lapses in coverage, or imperfect credit — who want low down payments and fast online or phone quotes.

Drivers with non-standard needs, such as SR-22 requirements or lapses in coverage, who want independent-agent guided auto insurance

AAA members across its 14-state Midwest and Southeast footprint who want agent-guided service bundled with roadside assistance and membership perks

AARP members

Drivers in MAPFRE's 11 operating states who prefer buying through a local independent agent and want extras like teen-driver safety training and a usage-based driving app.

Drivers in COUNTRY's 19-state footprint who want a local captive agent relationship along with bundling, telematics and family-focused discounts.

Drivers who prefer working with a local independent agent and want extra protections like accident forgiveness, new-car replacement and OEM parts coverage rather than a bare-bones policy.