10 Best Eco-Friendly Auto Insurance Companies in 2024

Progressive, Allstate, and Geico are the best eco-friendly auto insurance companies because they offer environmentally-conscious insurance options and affordable rates.

Progressive takes our top spot primarily because of its environmentally friendly auto insurance discounts, usage-based program Snapshot, and efforts to lower its carbon footprint.

Our Top 10 Picks: Best Eco-Friendly Auto Insurance Companies

Read on to explore your eco-friendly auto insurance options, including which companies might have the cheapest rates. Then, enter your ZIP code into our free comparison tool to see how much you might pay for sustainable auto insurance.

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#1 – Progressive: Top Overall Pick

Pros

• Snapshot: Snapshot is Progressive’s usage-based insurance (UBI) program. Signing up for Snapshot not only saves you money but also promotes environmentally conscious driving behaviors.
• Eco-Friendly Discounts: Progressive offers eco-friendly ways to save, like discounts for enrolling in paperless policy documents. Explore more savings opportunities in our Progressive auto insurance review.
• Electric Vehicle Coverage: Electric vehicle owners can take advantage of Progressive’s EV coverage options, like charging stations and batteries.
• Environmental Stewardship: Progressive has pledged to reduce its dependency on natural resources and reach carbon neutrality by 2025.

Cons

• Limited Coverage Options for EV Repairs: You’ll need to use a mechanic in Progressive’s network to take full advantage of your policy, but it can be difficult to find shops that work on EVs.
• No EV Discount: Progressive does not currently offer discounts for hybrid or electric vehicles.

#2 – Allstate: Best for UBI Savings

Pros

• Drivewise: Drivewise is one of two UBI programs Allstate offers. With Drivewise, you can save up to 40% for environmentally friendly driving behaviors, like avoiding excessive speeding.
• Milewise: Milewise is a pay-per-mile insurance option offering affordable rates to low-mileage drivers. The more you reduce your driving, the less you’ll pay. Explore our Allstate auto insurance review to learn more about Allstate’s UBI programs.
• Climate Resiliency: Allstate announced in 2022 plans to achieve net zero emissions for greenhouse gas emissions by 2030.

Cons

• Higher Rates: Allstate is typically one of the more expensive insurance options for both minimum and full coverage.
• Limited Online Tools: While you can manage your policy online, you’ll need to speak with a representative to buy coverage.

#3 – Geico: Best for Electric Vehicle Discounts

Pros

• Paperless Discount: Among Geico’s 16 discounts are savings for eliminating waste by signing up for paperless documents.
• Specialty EV Coverage: Your Geico insurance covers everything important to your EV. See your other coverage options in our Geico auto insurance review.
• DriveEasy: Save up to 25% for your environmentally friendly driving habits by enrolling in Geico’s UBI program DriveEasy.
• Environmental Consciousness Employee Program: We believe in sustainability, water conservation, and much more. Our associates are encouraged to recycle and participate outside of work in initiatives that contribute to a healthier environment. With Park, Street, and Beach cleanup

Cons

• DriveEasy Availability: Unfortunately, DriveEasy is not yet available in every state.
• Higher Premiums for EVs: Most insurance companies charge higher premiums for expensive EVs, and Geico is no different.

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#4 – Travelers: Best for Green Discounts

Pros

• Eco-Friendly Bundling Discounts: You can earn a bundling discount for combining your home and auto insurance with Travelers. Travelers also offers green upgrade discounts for homeowners.
• IntelliDrive: Save up to 30% on your insurance by enrolling in IntelliDrive and consistently practicing safe driving habits.
• Eco-Efficient Operations: After making the pledge in 2011, Travelers has seen a 55% reduction in emissions.

Cons

• Discount Availability Varies: Travelers offers plenty of discounts to help you save, but they’re not available everywhere. Make sure to check with a representative to see what you qualify for.
• Less Competitive Rates: It’s not usually the most expensive option for insurance, but Travelers is not typically the cheapest, either. Learn more about Travelers’ rates in our Travelers auto insurance review.

#5 – Liberty Mutual: Best for Add-on Options

Pros

• Sustainable Growth: Liberty Mutual is committed to fighting climate change. With that in mind, Liberty Mutual proactively supports the transition to a low-carbon economy.
• RightTrack: Enroll in RightTrack to save up to 30% on your car insurance. RightTrack supports eco-friendly driving behaviors by rewarding you for your safe habits.
• Ample Coverage Options: Liberty Mutual has plenty of coverage options for any vehicle. Explore your options in our Liberty Mutual auto insurance review.

Cons

• Average Customer Service and Claims Ratings: Liberty Mutual receives average ratings for both its claims process and customer experience.
• Rates can be high. Although it usually has affordable rates, first-time drivers often see much higher rates with Liberty Mutual.

#6 – Nationwide: Best for Deductible Savings

Pros

• SmartRide: Save up to 40% with Nationwide’s UBI program, SmartRide. Learn more about SmartRide in our Nationwide auto insurance review.
• Electric Vehicle Coverage: A Nationwide policy has everything you need for a hybrid or electric vehicle, including special discounts and coverage for charging stations.
• Vanishing Deductible: See your deductible reduced by $100 every year you spend claims-free, up to $500, by signing up for this add-on.
• Environmental Investing: Nationwide shows its commitment to the environment by investing in renewable energy, recycling, and waste reduction.

Cons

• Limited Local Agents: Some areas lack a robust network of local agents, which might make it more challenging to find face-to-face help when you need it.
• Premiums can be high. Nationwide might not be the cheapest option for insurance, particularly if you have at-fault accidents on your record.

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#7 – Farmers: Best for Selection of Discounts

Pros

• Signal App: Download Farmers’ Signal app and enroll in the program to save up to 30% on your insurance.
• Tons of Discounts: Farmers offers 23 discounts to help you save. See which you might qualify for in our Farmers auto insurance review.
• Go Green Team: Farmers’ Go Green Team helps increase the company’s sustainable practices by focusing on the global impact Farmers can have.

Cons

• No Coverage in Florida: Like many other auto insurance companies pulling out of Florida, Farmers no longer sells policies in the Sunshine State.
• Lacking Online Options: Farmers lacks the online tools that many of its larger competitors provide.

#8 – State Farm: Best Network of Local Agents

Pros

• Drive Safe & Save: Save up to 30% on your insurance with the UBI program Drive Safe & Save. Explore State Farm’s other driving programs in our
• Sustainable Practices: State Farm dedicates itself to sustainable practices that lower its overall carbon footprint.
• Local Agents: State Farm has a huge network of local agents, which means getting personalized help is always easy.

Cons

• Limited UBI Availability: Drive Safe & Save is not available in every state. Make sure to check with a representative if you’re interested in State Farm’s UBI program.
• Mixed Reviews: State Farm is one of the largest insurance providers in the country, but it’s not without complaint. Read customer reviews in our State Farm auto insurance review.

#9 – American Family: Best for Costco Members

Pros

• KnowYourDrive: Safe drivers can save up to 30% with American Family’s KnowYourDrive.
• Wildlife Conservation: American Family’s eco-friendly actions involve efforts to promote wildlife conservation and preservation of habitats.
• Costco Policies: American Family writes Costco auto insurance policies, ensuring members get excellent coverage. Learn more about American Family and Costco policies in our American Family auto insurance review.

Cons

• Limited Availability: American Family currently sells insurance in just 19 states.
• Above Average Rates: While it’s not the most expensive provider, American Family’s insurance rates are usually higher than the national average.

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#10 – Erie Insurance: Best Customer Service

Pros

• YourTurn: Save a potential 30% on your insurance by enrolling in Erie’s YourTurn and practicing safe driving behaviors.
• E-waste Collection Drives: Erie has always strived to serve its communities. One way it does this is by hosting e-waste collection drives.
• Excellent Customer Service: Erie has a reputation for top-tier customer service and satisfaction with its claims resolution process.

Cons

• Not Available Everywhere: Erie sells insurance in just 12 states. See if you can purchase coverage in your state in our Erie auto insurance review.
• Limited Online Tools: As a smaller insurance provider, Erie doesn’t have all the digital options for online policy management that larger companies have.

Best Eco-Friendly Car Insurance Discounts

One of the easiest ways eco-car insurance companies can encourage environmentally friendly behaviors is through discounts. Most providers offer a selection of discounts to help you save, and finding green auto insurance discounts is usually easy.

Check below to see what discounts our best eco-friendly car insurers offer.

Choosing a company that has discounts you can take advantage of is integral to finding affordable rates. You can also compare discounts for other types of auto insurance coverage to maximize your overall savings.

Eco-Friendly Auto Insurance Rates

Buying a green car insurance policy doesn’t mean you’ll pay higher rates. In fact, many of the best auto insurance companies combine eco-friendly practices and policies with affordable prices. Check below to see how much the average driver pays for environmentally friendly motor insurance.

Eco-Friendly Auto Insurance Companies: Monthly Rates by Coverage Level

As you can see, there are significant variations between companies. This is why comparing quotes is vital when you’re shopping for insurance. No matter what type of coverage you’re looking for, comparing multiple prices is the best way to ensure you don’t overpay.

As you can see above, getting auto insurance quotes is a simple task with most major insurance companies. However, you’ll have to fill out multiple forms like the one shown above. To save time, you can use a free online comparison tool to see multiple quotes at once.

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Compare the Best Eco-Friendly Auto Insurance Companies

When you want the best eco-friendly driving insurance, learning how to get multiple auto insurance quotes is key to finding a great price. It can also help you find a company that matches your own beliefs about environmental practices.

You can compare quotes from the best eco-friendly auto insurance companies like Progressive, Allstate, and Geico by visiting their websites. Alternatively, you can save time by entering your ZIP code into our free comparison tool to see prices from multiple companies at once.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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