Finding the best U.S. wireless carrier can be a bit daunting as each carrier works to provide better speeds and coverage than its competitors. Luckily for the consumers, this competition helps drive these companies to continue to improve their networks and plans. So for most people, all of these carriers are likely to have some coverage appeal, whether it's LTE or 5G. Overall, T-Mobile is the best carrier thanks to improvements in its LTE coverage and the largest 5G network with great mid-band coverage already available.

Find the right carrier for your needs

T-Mobile

Tons of spectrum for 5G

Reasons to buy

Reasons to avoid

T-Mobile has continued to improve its network consistently over the past few years, with some of the biggest improvements coming in its 5G network. T-Mobile has used low-band spectrum to start its 5G network and improve its LTE network coverage with mid-band 2.5GHz spectrum, adding more capacity where needed. This mid-band spectrum from its purchase of Sprint has allowed T-Mobile to get a serious lead in mid-band 5G with competitors still working to build out C-band coverage.

T-Mobile has three main unlimited plans on its postpaid network. Each plan includes 5G support and an unlimited 3G speed hotspot. The baseline Essentials plan comes with unlimited talk, text, and LTE data. The price starts at $60 for one line and is discounted for each line added up to six. A family with four lines will be able to get connected for $105 per month thanks to a current promotion with a complimentary third line.

The next plan, Magenta, offers 5GB of LTE-speed hotspot data, Netflix on one screen if you add two or more lines, and international 2G data as well as 5GB of high-speed data in Mexico and Canada. Prices start at $70 per month for the first line, with discounts for each additional line up to eight lines. A family with four lines will pay $140 per month, and with this plan, taxes and fees are included.

The most expensive plan is Magenta MAX which brings LTE-speed hotspot data up to 40GB and upgrades Netflix to HD on two screens. International data speed is boosted to 256kbps, and video streaming comes in at HD resolutions compared to SD on the other plans. Starting at $80 per month for one line, this is geared more towards heavy users who need more hotspot data. Still, taxes and fees are included, and a family of four can get connected for $170 per month.

Verizon

Consistent data performance

Reasons to buy

Reasons to avoid

While Verizon isn't always the top scorer in terms of pure download speed, the size of its LTE network and the consistency of the connection makes it one of the best options for a lot of people. While other carriers have been making great strides to keep up, Verizon hasn't slowed down. Verizon's 5G deployment hasn't quite kept pace with T-Mobile's but with a combination of nationwide, C-band, and Ultra-Wideband all up and running, its 5G position keeps getting stronger.

Verizon has many plans available, ranging from a plan for basic phones with unlimited talk and text with 500MB of data. Most smartphone users will be more interested in the range of unlimited plans that start at $70 per month for the 5G Start plan. The price per line comes down with more lines up to five. A family of four will pay $35 per line with this plan, excluding taxes or fees. This plan comes with unlimited talk, text, and nationwide 5G data. You can also get Disney+ for six months, although this plan only streams at 480p quality with no hotspot data.

The three more extensive plans, 5G Play More, 5G Do More, and 5G Get More all come with hotspot data and 5G Total Access, which allows for both nationwide and Ultra Wideband 5G connections. Play More Unlimited comes with 25GB of hotspot data and a Hulu, Disney+, and ESPN+ subscription. Do More Unlimited trades the streaming perks for 600GB of cloud storage and discounts on connected device plans. Get More comes with all of the above and Apple Music, and 50GB of hotspot data, and unlimited premium data. Customers can also get 12 months of Discovery+, Apple Arcade, and Google Play Pass.

AT&T

Vast LTE coverage

Reasons to buy

Reasons to avoid

AT&T has one of the fastest LTE networks around, with excellent coverage in most of the country. The company also pushed forward with its nationwide 5G network, a low-band, and a mmWave network with nationwide coverage. AT&T has begun to build its mid-band 5G network in a handful of cities with C-band with more mid-band spectrum arriving for the carrier down the line. For now, most AT&T 5G customers will be using low-band nationwide coverage. AT&T also works with most unlocked phones though not all 5G phones will work with AT&T's network even if they support the right bands.

AT&T starts with a 4GB data plan for $50 per month with one line. With that, you get a mobile hotspot as well as unlimited talk and text. Unfortunately, streaming is limited to SD quality, but you do get unlimited texting to more than 120 countries. Moving up, AT&T has four unlimited plans starting with the AT&T Value Plus Plan. This unlimited plan is only available for a single line and costs $50 per month. With 5G access, it's a better value than the 4GB plan if you only need one line.

The top three unlimited plans are compatible with multi-line savings. The Unlimited Starter plan comes in at $65 per month for one line and the price comes down per line up to four lines, with four lines coming in at $140 per month. This plan has no hotspot but features unlimited talk, text, and data with video streams at SD quality. It goes all the way up to Unlimited Elite, which gets you video streams in HD and free access to HBO Max for $85 per month for the first line. All three unlimited plans come with 5G access.

US Mobile

Save big with three or more lines and unlimited data

Reasons to buy

Reasons to avoid

US Mobile is a prepaid carrier that uses both the Verizon network and T-Mobile network with 5G access on both. When you sign up, you can choose whichever SIM works best with your phone and provides solid coverage in your area. Both networks have great coverage around the county, though T-Mobile has a more developed 5G network. For most people, either network will deliver outstanding performance and coverage.

US Mobile allows customers to create their plans to get exactly what they need without any waste. Customers can start as low as 75 minutes with up to unlimited everything available. Even with this flexibility, US Mobile's Unlimited plan is one of its best values as long as you need the data. Unlike in the past, US Mobile's unlimited plan has no data cap or speed cap. Customers can also add 20GB of hotspot data for $10 more per month. US Mobile also includes taxes and fees in its unlimited plan price, so what you see is the price you'll pay.

Overall, US Mobile's biggest strength is in its family plan. US Mobile simply reduces the price for its unlimited plan when you add multiple lines. With two lines, you'll pay $30 per line, and that price drops to $25 per line with four or more lines. This plan comes with unlimited talk, text, and data. If you add three lines, you'll also get a free subscription service, and there a several options to choose from. You can get music streaming, video streaming, or an online gaming subscription. You'll get another service with four lines as well.

Google Fi

A combined network and international roaming

Reasons to buy

Reasons to avoid

Google Fi is a prepaid MVNO carrier, which means that it doesn't build its own towers but uses the towers of other carriers. What's different about Google Fi is that it uses both the T-Mobile network and the UScellular network to create a unique coverage map compared to any other MVNO or carrier. So while the price is a little steep compared to other carriers and only a handful of phones take full advantage of the service, it provides one of the best and most reliable wireless experiences.

Google Fi makes use of T-Mobile and US Cellular's networks, picking which towers provide the best connection automatically and seamlessly switching your phone to it without you even knowing. Google Fi also has access to networks worldwide and roams internationally effortlessly in over 200 countries. For all this to work correctly, you'll need an approved phone. Fully compatible Fi phones include the Google Pixel series as well as the Galaxy S22 series. You can check your phone's compatibility when you sign up.

Google Fi also has full support for T-Mobile's 5G network, so if you have a phone that supports T-Mobile's 5G bands, you can get connected.

Google Fi isn't likely to be the best fit for many people, but if you travel often and need a network that will work not only in the U.S. but nearly anywhere in the world, there are no substitutes. A flexible plan is available alongside two unlimited plans with up to 50GB of high-speed data on the most expensive plan. If you use only a few gigabytes per month, the flexible plan will be a better deal. Unlimited is only for people that need fast speeds over 15GB.

Visible

Simple, prepaid, and unlimited

Reasons to buy

Reasons to avoid

Another interesting prepaid carrier is Visible, which uses Verizon's network to provide unlimited data for $40 per month. Visible also comes with unlimited hotspot data at 5Mbps. It's worth keeping in mind that Visible only uses the LTE and 5G networks meaning there is no access to roaming or 3G if the signal gets weak. For most people, this will be fine, thanks to the Verizon LTE network's massive coverage area.

Visible fully supports Verizon's 5G network as long as you have a phone that supports it. Your speeds will be limited to 200Mbps while connected, even on Ultra-Wideband, but realistically, this is plenty. Keep in mind that not all Verizon-compatible phones work on Visible, so check before you sign up. Visible is one of the cheapest ways to gain access to Verizon's full 5G network, and with unlimited data, it's a bargain even before Party Pay.

There are no direct multi-line discounts, but you can join a group of other people to participate in Party Pay. It can bring your cost down to $25 per month with four people in the party. Visible has made it extremely easy to join a party thanks to the community feature on its website. Each person is responsible for their bill and account with Party Pay. Visible is a good option if you want a lot of data for a low price with no frills.

Cricket Wireless

Prepaid value on the AT&T network

Reasons to buy

Reasons to avoid

Cricket Wireless is a prepaid carrier owned by AT&T and runs exclusively using the carrier's network for coverage. Cricket focuses on offering lower-priced plans as an alternative to AT&T's more expensive plans by cutting out things that many people don't care about like mobile hotspot and HD streaming. Cricket has full access to AT&T's LTE network as well as its nationwide 5G network on all plans.

Cricket's smallest plan comes with unlimited talk, text, and 5GB of high-speed data. This plan comes with more data at a cheaper price than AT&T's 4GB plan. It also includes 5G which AT&T's budget-oriented plan does not. Cricket's 10GB plan is much the same with double the data but is eligible for both auto-pay and multi-line discounts.

Crickets two unlimited plans will make the most sense for smartphone users, especially if they have three or more lines. With three lines, the smaller Unlimited plan matches the 5GB plan's price making it a no-brainer upgrade. The two unlimited plans also come with Mexico and Canada usage included in the price.

The pricier unlimited plan upgrades data to unlimited premium data meaning that your data is put first in line on a crowded tower. This plan also gets 15GB of hotspot data and 150GB of cloud storage. HBO Max with Ads is also included so you can stream to your heart's content on your unlimited plan.

Should you go with prepaid?

An MVNO, or mobile virtual network operator, is a carrier that provides service by reselling service from one of the big carriers. It allows a greater range of plans on the same networks that may work better for you. Some of the best MVNOs can offer additional savings with longer terms or even just by cutting out things you don't need, like video service subscriptions. You can even get MVNOs that allow advanced features like tethering (hotspot data).

The most important thing is to choose the best cell phone plan for you as long as you have coverage.

Bottom line

Most Americans will be covered by any of these networks, so the biggest questions are which plans are the best fit for you and how eager are you to get 5G. Nationwide 5G is available on all three big carriers, but you'll need a phone that supports it. Luckily, most of the best Android phones do. Verizon and AT&T are more comfortable charging a premium for service thanks to a good reputation for having a strong network. Most of the time, the best choice isn't the cheapest carrier but the one with the best coverage for you. Luckily, switching is reasonably easy, and you can even keep your phone number when you do.

For most people, T-Mobile is a great fit with solid speeds and great coverage. While not everyone is ready for 5G just yet, T-Mobile's rapid progress and already-deployed three-tiered 5G network promise continued growth. It's also refreshing that T-Mobile doesn't force customers onto more expensive plans to access 5G.