Finding the right phone plan to fit your needs is tricky. Beyond just dollars and cents, you need to consider which phones are supported by which wireless carriers and what coverage and data speeds are like in the area where you’ll use your phone the most. Throw in carriers’ near-continual plan changes, and it’s a recipe for confusion.

To make the decision easier, we’ve gone through each carriers’ plans to figure out which one is the best for your particular needs. T-Mobile's unlimited data offering is the best family plan, after a recent reshuffle makes Verizon's unlimited offerings less appealing. T-Mobile also has the best unlimited data plan for individuals, which costs $70 monthly.

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If saving money without compromising too much on data is the most important thing to you, Republic Wireless offers a decent amount of data for less than $30 a month. Otherwise, Verizon offers the most compelling individual cellphone plan, costing $55 a month for 5GB; you can also roll over unused data to the next month. Thanks to its superior network and lack of speed caps, MetroPCS provides both the best prepaid option for individuals as well as the most attractive unlimited data plan, especially if you can live with lower-resolution video streaming. MetroPCS also increased the discounts it offers on additional lines, making it the best choice for families looking for prepaid coverage.

These are the best cellular plans available right now.

Best Cellphone Plans: Our Top Picks

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In evaluating plans, we looked at the four major U.S. carriers — AT&T, Sprint, T-Mobile and Verizon — and what they offer. We also evaluated five discount carriers: Boost Mobile, Cricket, MetroPCS, Straight Talk and Virgin, and to help you stretch your dollar even further, we looked at plans from several smaller discount carriers. In addition to price, we considered network coverage and performance, including results from our own 4G network testing in half-a-dozen cities. In some cases, total savings on one carrier’s plan outweighed the performance edge another carrier might enjoy; other times, network performance was a deciding factor in our choice.

Should You Switch?

If these are the best plans, does that mean you should drop your current carrier for one of the above plans that best covers your needs? (That assumes, of course, that the carrier we recommend provides ample coverage for your area.) Yes, but only if you can switch without consequences.

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If you can't wait until your deal is up with your current carrier, the major carriers are all willing to pick up some of the cost to get you to switch. Verizon, Sprint, and T-Mobile all offer up to $650 for each phone you switch over to pay off your phone purchases and early termination fees; AT&T offers a $100 bill credit for switching over plus $200 for trading in an eligible smartphone. Note that this money will come in the form of prepaid gift cards and that every carrier requires you to trade in your existing phone.

As of this writing, Sprint is offering a particularly attractive incentive to leave your current carrier behind: It will give you free unlimited data for the next year, though you're still on the hook for taxes and fees. After July 31, 2018, your bill reverts to Sprint's standard rate for unlimited data, which is currently $60 for a single line. The big caveat: You need to bring over an eligible phone to qualify for free data. That offer is set to expire at the end of this month.

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Before you decide whether to switch your cellphone plan, make sure to check carriers’ websites for any special offers. In recent years, carriers have gotten aggressive in trying to lure new customers, and that figures to continue this year, with switching deals popping up from time to time.

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