Of the 10 largest auto insurers in the U.S., USAA has the best car insurance rates on average for the driver profiles we created with an average rate of $993 per year. USAA is only eligible to military personnel and military families. The best car insurance available to everyone, based on this list, is Geico with an average yearly rate of $1,254. Geico makes the process of filing claims easy and most of its consumers would recommend the company to friends and family.