With car insurance rates skyrocketing by 11.2% in the past year, finding affordable coverage can feel overwhelming. According to J.D. Power’s Auto Insurance Study released recently, many drivers are struggling with rising premiums, and half of all customers say they have little trust in their insurers. Yet, despite these challenges, choosing the right car insurance provider can still lead to a satisfying experience – if you know where to look.
In this guide, we’ve analyzed the best car insurance companies, ranking them based on affordability, customer trust, and specific needs like high-risk drivers, new cars, or discounts, to help you find the best fit for your needs.
Top Car Insurance Companies Rankings(Best Rated)
In our analysis of the best rated car insurance companies, Erie ranks the NO.1 choice, followed by USAA, Nationwide, and Auto-Owners. We evaluated these providers across the country based on customer satisfaction and complaints, using sources like Trustpilot and J.D. Power. Additionally, we assessed costs, coverage options, and claims handling processes, weighing factors from resources such as their websites, AM Best, and MarketWatch.
Explore the Best Car Insurance Companies in Detail
Erie
Erie Insurance is a regional insurance company that offers auto, home, and life insurance
NAIC Complaint Index
1.20
AMB FSR Rating
A+
Annual Full Coverage Cost
$1,495
Average Cost for Minimum Liability Coverage
$655/Year
Note:
- The NAIC Complaint lndex measures how a company’s complaints compare to the market average, with the National Complaint Index set at 1.00. Since Erie’s Complaint Index is 1.20, we can see that Erie has a slightly higher complaint rate than other insurers.
- An FSR on AMB BEST is an independent opinion of an insurer’s financial strength to meet its ongoing insurance policy. A++ to B- are considered Secure, while ratings from C++ to F are Vulnerable.
Pros:
- Locked-in rates (only applies as long as you remain accident-free)
- Accident forgiveness
- Comprehensive coverage, including roadside assistance and rental cars
- Handling claims quickly
Cons:
- Limited to 12 states and Washington, D.C.
- Cost More for Risky Drivers
Erie Car Insurance Discounts Include:
- Multi-Policy
- Safe Driver
- Reduced Usage
- Young Driver
- Pay-in-Full
- Multi-Vehicle
- Youthful Driver
- College Student
- Diminishing Deductible
See More Discount
J.D. Power Auto Claims Process Satisfaction: 902 out of 1000
According to J.D. Power’s U.S. Auto Claims Satisfaction Study, Erie ranking 2nd among its competitors, with an impressive score of 902 out of 1,000 reflects Erie’s excellent claims handling process, where customers experience prompt, efficient service, particularly when dealing with repairs and settlements.
Customer Feedback on Erie Insurance:
Customers frequently praise Erie for its exceptional customer service, particularly when handling claims. However, some customers have expressed frustration with Erie’s limited online tools and features, especially those accustomed to handling everything digitally.
USAA
USAA (United Services Automobile Association) is a highly regarded insurance provider specifically serving military members, veterans, and their families.
NAIC Complaint Index
2.79
AMB FSR Rating
A++
Annual Full Coverage Cost
$1,432
Average Cost for Minimum Liability Coverage
$432/Year
Pros:
- Competitive rates, especially for military members and their families
- Excellent financial strength
- Extensive military-specific benefits
Cons:
- Only available to military members and their families
- Limited local agents
USAA Auto Insurance Discounts Include:
- Driver Training (For drivers under 21)
- Multi-Policy
- Defensive Driving
- New Vehicle
- Multi-Vehicle
- Annual Mileage
- Vehicle Storage
- Military Installation
- Family Discount
- Length of Membership
See More Discount
Customer Feedback:
USAA auto insurance generally receives high marks for its affordable rates, especially for military families. However, some customers have pointed out that while USAA starts with competitive rates, premiums tend to increase over time, requiring customers to monitor their policies regularly.
Nationwide
Nationwide is a well-established insurance provider, popular for its comprehensive coverage packages, discounts and strong financial backing.
NAIC Complaint Index
2.36
AMB FSR Rating
A
Annual Full Coverage Cost
$1,433
Average Cost for Minimum Liability Coverage
$531/Year
Pros:
- Comprehensive coverage options
- Strong financial stability
- Various add-ons like Vanishing Deductible, Accident Forgiveness
- Great digital experience with mobile app and website
Cons:
- Accident forgiveness is not available in every state
- Does not offer 24/7 customer service
Nationwide Auto Insurance Discounts Include:
- SmartRide
- Multi-Policy
- Accident-Free Driving Record
- Anti-Theft
- 5 Years of Safe Driving
- Automatic Payments
- SmartMiles
- Drivers ages 16 to 24 who maintain a “B” average or better
See More Discount
J.D. Power Auto Claims Process Satisfaction: 875 out of 1000
Nationwide’s score places it above some of its competitors but below top-performing companies like USAA and Amica. While the majority of claims are likely handled efficiently, there could be occasional delays or issues that prevent the company from scoring higher.
Customer Feedback:
Some customers report higher-than-expected rate increases, particularly after accidents, while others mention issues with claim processing and the time it takes for resolution. In terms of reviews from platforms like Trustpilot, Nationwide tends to perform in the mid-range, showing that while the company offers a solid experience, some aspects like customer service could improve.
Auto-Owners
Auto-Owners Insurance is a leading provider of automobile coverage, known for its focus on local, independent agents who help tailor policies to meet individual needs.
NAIC Complaint Index
0.91
AMB FSR Rating
A++
Annual Full Coverage Cost
$1,451
Average Cost for Minimum Liability Coverage
$453/Year
Pros:
- Strong financial stability and pay out claims even in difficult times
- High customer satisfaction rate
- Customizable policies, including gap coverage and diminished value coverage
Cons:
- Filing claims must be done through a local agent
- No direct online quotes
- Only available in 26 states
Auto-Owners Insurance Discounts Include:
- Multi-Policy
- Multi-Car
- Student Away at School
- Teen Driver Monitoring
- Paid-in-Full
- Safety Features
- Advance Quote
- Payment History Discount
See More Discount
J.D. Power Auto Claims Process Satisfaction: 888 out of 1000
With a score of 888, Auto-Owners ranks well above average compared to the industry, demonstrating that policyholders are generally very pleased with the speed, efficiency, and fairness of the claims process.
Customer Feedback:
Auto-Owners Insurance is seen as a strong choice for those who value personalized service and a broad range of coverage options, but it may not be ideal for those who prefer managing everything online or need coverage in states where it’s not available.
Travelers
Travelers is a major insurance provider that has been in business for over 160 years, offering its services in all 50 states, and known for its diverse policy options.
NAIC Complaint Index
1.08
AMB FSR Rating
A++
Annual Full Coverage Cost
$1,521
Average Cost for Minimum Liability Coverage
$530/Year
Pros:
- Customizable coverage, including accident forgiveness and new car replacement
- IntelliDrive program for raising safe driving habits
- Long-standing reputation and financial strength
Cons:
- Higher premiums for drivers with accidents
- Limited online claims features
Travelers Insurance Discounts Include:
- Multi-Policy
- Multi-Car
- Homeownership
- Safe Driver Discount
- Continuous Insurance
- Hybrid/Electric Vehicle
- New Car
- Early Quote
- Payment Discounts
- Full-time students maintaining a “B” average or better
- Young drivers completing an approved driver education course
See More Discount
J.D. Power Claims Satisfaction: 871 out of 1000
This score highlights that Travelers generally provides a satisfactory claims experience for most customers, but there might be inconsistencies in service quality, as reflected in some customer reviews that mention delays in the process or difficulty reaching representatives.
Customer Feedback:
Travelers Car Insurance receives a mix of reviews, with many customers praising its broad coverage options, broad discounts and financial stability, while some express dissatisfaction with claims handling and customer service experiences.
Geico
GEICO, originally catering to government employees and military personnel, has grown to become one of the largest and most well-known auto insurance providers in the United States, now serving millions of drivers nationwide.
NAIC Complaint Index
1.31
AMB FSR Rating
A++
Annual Full Coverage Cost
$1,572
Average Cost for Minimum Liability Coverage
$620/Year
Pros:
- Competitive rates
- A range of coverage options that can be customized to fit individual needs
- User-friendly website and mobile app
- Strong financial backing (it’s a subsidiary of Berkshire Hathaway)
- 24/7 customer service
Cons:
- No gap insurance coverage
Geico Insurance Discounts Include:
- Multi-Vehicle Discount
- Multi-Policy Discount
- Good Driver Discount
- Good Student Discount
- New Vehicle Discount
- Defensive Driving Discount
- Air Bag Discount
- Anti-Lock Brake Discount
- Anti-Theft System Discount
- Emergency Deployment Discount
- Federal Employee Discount
- Seat Belt Use Discount
- Daytime Running Lights Discount
- Driver’s Education Discount
See More Discount
J.D. Power Claims Satisfaction: 871 out of 1000
While a score of 871 indicates generally reliable service, if claims handling speed and clear communication matter to you, it may be beneficial to compare GEICO with other top-performing insurers.
Customer Feedback:
While GEICO remains a strong contender in the auto insurance industry, particularly for those who prioritize affordability and convenient digital services, it faces challenges related to claims handling and customer satisfaction.
Westfield
Westfield Insurance is a regional insurance company headquartered in Westfield Center, Ohio, primarily operating in the Midwest and Eastern United States and serving customers through a network of independent agents.
NAIC Complaint Index
2.51
AMB FSR Rating
A
Annual Full Coverage Cost
$2,271
Average Cost for Minimum Liability Coverage
$375/Year
Pros:
- Personalized service
- Solid financial foundation
- Local expertise
- Focus on customer relationships
Cons:
- Relies heavily on agents, with fewer online tools and digital conveniences
- No 24/7 claims service
Westfield Car Insurance Discounts Include:
- Companion Car Discount
- Defensive Driving Discount
- Good Student Discount
- Loyalty Discount
- Multi-Policy Discount
- Next Generation Discount
- Preferred Payment Discount
- Prior Coverage Discount
- Resident Student Discount
- Safety Equipment Discount
- Senior Driver Discount
See More Discount
J.D. Power Auto Claims Process Satisfaction: 836 out of 1000
While Westfield maintains a personal approach to claims, it may not match the speed and convenience of higher-ranked insurers.
Customer Feedback:
While many customers appreciate the close relationship with their local agents and responsive service, others find the claims process to be somewhat traditional and average, lacking the efficiency and speed seen with larger, tech-forward insurers.
Progressive
Progressive is one of the largest and most recognized auto insurance providers in the United States, known for its innovative approach to insurance and competitive rates.
NAIC Complaint Index
1.12
AMB FSR Rating
A+
Annual Full Coverage Cost
$1,742
Average Cost for Minimum Liability Coverage
$859/Year
Pros:
- Affordable rates and extensive discount options
- 24/7 customer service and claims handling
- Rich adds-on like decreasing deductible and gap insurance
Cons:
- Telematics privacy concerns for its Snapshot program
- Rate increases upon renewal
- No new car replacement coverage
Key Discounts Include:
- Multi-Policy Discount
- Multi-Car Discount
- Continuous Insurance Discount
- Snapshot Safe Driver Discount
- Teen Driver Discount
- Good Student Discount
- Distant Student Discount
- Homeowner Discount
- Online Quote Discount
- Sign Online Discount
- Paperless Discount
- Automatic Payments Discount
See More Discount
J.D. Power Auto Claims Process Satisfaction: 870 out of 1000
Well, it seems that Progressive’s claims handling is above average, but if quick, efficient claims processing is a top concern, you might want to compare Progressive against other insurers that score higher in this area.
Customer Feedback:
Customers appreciate the company’s innovative features, like the Snapshot program and the Name Your Price tool. However, feedback on claims handling is mixed; while some customers report smooth and efficient processes, others express frustration with delays and communication issues during claims resolution.
AAA
With a network of regional auto clubs across the United States, AAA provides car insurance policies tailored to members’ needs, featuring various coverage options like liability, collision, comprehensive, uninsured/underinsured motorist, and more.
NAIC Complaint Index
1.33
AMB FSR Rating
A
Annual Full Coverage Cost
$1,903
Average Cost for Minimum Liability Coverage
$542/Year
Pros:
- Comprehensive member benefits
- Roadside assistance services
- Established reputation with over a century of experience
Cons:
- Only available to AAA members
- Does not offer discounts specifically for teen drivers
- Higher rates compared to the national average
Key Discounts Include:
- AAA Membership Discount
- Good Student Discount
- Multi-Vehicle Discount
- Multi-Policy Discount
- Defensive Driver Discount
- AAADrive Discount
- Prior Insurance Tenure Discount
- Pay-in-Full Discount
- Paperless Billing Discount
- Automatic Payment Discount
- Advance Purchase Discount
- Low Mileage Discount
See More Discount
Customer Feedback:
Policyholders often highlight the peace of mind that comes from having both insurance and roadside assistance bundled together, making AAA a convenient one-stop shop for car-related needs, but some express concerns about the membership requirement, varying service quality across regional auto clubs, and average rates that may not always be the most competitive.
State Farm
State Farm is one of the largest and most well-known auto insurance providers in the United States, known for its personalized service through a network of local agents, competitive rates, and a strong financial reputation.
NAIC Complaint Index
1.47
AMB FSR Rating
A++
Annual Full Coverage Cost
$1,515
Average Cost for Minimum Liability Coverage
$465/Year
Pros:
- High scores in claims satisfaction, with a J.D. Power score of 891 out of 1,000, ranking 5th in the industry
- Average rates are often considered competitive, especially for safe drivers
- Easy to file claims via app
Cons:
- Premiums for senior drivers are above average
Key Discounts Include:
- Multi-Policy Discount
- Multi-Car Discount
- Good Driver Discount
- Good Student Discount
- Defensive Driving Course Discount
- Drive Safe & Save Discount
- Steer Clear Discount
- Accident-Free Discount
- Anti-Theft Discount
- Passive Restraint Discount
- Student Away at School Discount
See More Discount
Customer Feedback:
State Farm is well-regarded for its personalized service through local agents and user-friendly digital tools, making policy management and claims handling convenient. However, while many customers appreciate the reliable support, rates can be higher for those with traffic violations or poor credit.
Allstate
Allstate (The All-State Corporation) is a leading car insurance provider known for its broad range of coverage options, including liability, collision, comprehensive, and specialized add-ons like accident forgiveness and new car replacement.
NAIC Complaint Index
0.96
AMB FSR Rating
A+
Annual Full Coverage Cost
$2609
Average Cost for Minimum Liability Coverage
$854/Year
Pros:
- Scored 882 in J.D. Power’s Claims Satisfaction, indicating reliable claims service
- Local agent support
- Great digital experience, manage policy and file claims online
Cons:
- Rates above average
Key Discounts Include:
- Multiple Policy Discount
- New Car Discount
- Smart Student Discount
- Anti-lock Brake Discount
- Anti-theft Device Discount
- EZ Pay Plan Discount
- Early Signing Discount
- FullPay Discount
- Responsible Payer Discount
- Safe Driver Club
- Distant Student Discount
- Drivewise® Discount
- Milewise® Discount
- eSmart® Discount
See More Discount
Customer Feedback:
According to Better Business Bureau, customers often appreciate Allstate’s personalized agent support and the extensive range of coverage options available. Additionally, the company’s claims satisfaction score reflects generally positive experiences, although some customers note higher premiums and occasional inconsistencies in claims processing.
Mercury
Mercury Car Insurance is a provider known for offering affordable auto coverage, primarily in California and select states.
NAIC Complaint Index
1.66
AMB FSR Rating
A
Annual Full Coverage Cost
$1622
Average Cost for Minimum Liability Coverage
$515/Year
Pros:
- Affordable rates for many drivers
- Various discounts
- Customizable coverage options
- Quick and simple claims process
- Local, personalized agent support
Cons:
- Limited to 11 states
- Higher premiums for high-risk drivers
- JD Power score 848, second-to-last
Key Discounts Include:
- Anti-Theft Feature Discount
- Auto Pay Discount
- E-Signature Discount
- Good Driver Discount
- Good Student Discount
- Multi-Car Discount
- Multi-Policy Discount
- Pay in Full Discount
See More Discount
Customer Feedback:
Positive impressions often come from customers who have benefited from the company’s discounts and its network of local agents, which provide a more hands-on, personalized approach. On the downside, some customers express frustration with the company’s claims process when it comes to larger, more complicated claims.
Farmers
Farmers Car Insurance offers a variety of auto coverage options, with add-ons like rideshare and accident forgiveness, while providing personalized service through a nationwide agent network
NAIC Complaint Index
1.09
AMB FSR Rating
A
Annual Full Coverage Cost
$3,106
Average Cost for Minimum Liability Coverage
$1,060/Year
Pros:
- Extensive coverage options
- Strong customer support
- Rideshare coverage offered
- Financially stable
- JD Power score 878, above-average claim handling
Cons:
- Higher premiums than competitors
- Accident forgiveness isn’t standard
Key Discounts Include:
- Multi-Car Discount
- Low Mileage Discount
- Anti-Theft Discount
- Good Driver Discount
- Defensive Driver Discount
- Good Student Discount
- Distant Student Discount
- Multi-Policy Discount
- Homeowners Discount
- Affinity Discount
- Mature Driver Discount
See More Discount
Customer Feedback:
While Farmers Insurance is appreciated for its robust coverage options and personalized service provided by its local agent, it faces criticism regarding customer satisfaction and rate management.
American Family
American Family Car Insurance, also known as AmFam, is a popular insurer offering a range of auto insurance options.
NAIC Complaint Index
1.10
AMB FSR Rating
A
Annual Full Coverage Cost
$1,920
Average Cost for Minimum Liability Coverage
$728/Year
Pros:
- Competitive rates and various discounts
- Offers a wide range of coverage options
- Strong customer service reputation
Cons:
- Only offered in 19 states
- Fewer options for specialized coverage
Key Discounts Include:
- Multiple-Product Discount
- Multiple-Vehicle Discount
- Pay-How-You-Drive Safe Driving Program
- Good Driving Discount
- Auto Safety Equipment Discount
- Defensive Driver Discount
- Loyalty Discount
- Early Bird Discount
- Steer Into Savings Discount
See More Discount
Customer Feedback:
Customers usually have a good experience with American Family Car Insurance. The company scored 882 out of 1,000 in the J.D. Power Claims Satisfaction Study, showing it knows how to keep people happy when they make a claim. Also, many like the helpful agents and the variety of discounts that can help lower costs. However, some customers feel the premiums can be a bit high, especially for young drivers.
NJM
Originally founded to serve New Jersey businesses, NJM (New Jersey Manufacturers) now offers personal auto insurance to residents of New Jersey, Pennsylvania, Connecticut, Ohio, and Maryland.
NAIC Complaint Index
0.13
AMB FSR Rating
A+
Annual Full Coverage Cost
$1,506
Average Cost for Minimum Liability Coverage
$697/Year
Pros:
- Competitive rates with a strong reputation for customer satisfaction
- Low complaint rate compared to other insurers
- Offers dividend payments to policyholders in some states
Cons:
- Limited availability to only five states
Key Discounts Include:
- Multi-Policy Discount
- Multi-Car Discount
- Good Student Discount
- Defensive Driving Discount
- Full Coverage Discount
- New Car Discount
- Mature Driver Discount
- Electronic Payment Discount
- Paid in Full Discount
See More Discount
Customer Feedback:
Customers often praise NJM for its great customer service, saying the representatives are friendly and make the claims process easy. This high level of service is backed up by NJM’s consistent top ratings in J.D. Power’s Auto Claims Satisfaction Study for six years in a row. Many also appreciate NJM’s affordable rates, which are often among the lowest in the states it serves.
Amica
Amica is a well-established insurer known for its strong customer service and high satisfaction ratings, providing additional auto insurance coverage like roadside assistance, rental car reimbursement, and gap insurance.
NAIC Complaint Index
0.61
AMB FSR Rating
A+
Annual Full Coverage Cost
$2,548
Average Cost for Minimum Liability Coverage
$1,098/Year
Pros:
- High customer satisfaction with claims handling
- Strong financial stability
- Extensive coverage options with added perks
Cons:
- Limited digital tools
Key Discounts Include:
- Claim-Free Discount
- Driver Training Discount
- Policy Discounts
- Autopay Discount
- E-Discount
- Loyalty Discount
- Multi-Car Discount
- Multi-Policy Discount
- Paid in Full Discount
- Adaptive Headlights Discount
- Anti-Theft Discount
- Electronic Stability Control Discount
- Forward-Collision Warning Discount
- Passive Restraint Discount
- Good Student Discount
- Legacy Family Discount
See More Discount
Customer Feedback:
Amica customers often have a positive experience, frequently praising the company’s responsive customer service, as well as how seamlessly claims are filed and processed. This efficiency is reflected in its impressive 909/1000 score in J.D. Power’s Claims Satisfaction survey. That said, some customers feel they’re paying a premium for the service, and others wish for better online tools to manage their policies easily.
Chubb
Chubb Car Insurance is known for providing premium auto insurance coverage, particularly for high-net-worth individuals who require extensive protection for luxury vehicles.
NAIC Complaint Index
0.41
AMB FSR Rating
A++
Annual Full Coverage Cost
$2,856
Average Cost for Minimum Liability Coverage
$1,332/Year
Pros:
- Extensive coverage options tailored to high-value vehicles
- Agreed value coverage for total loss
- Excellent customer service and claims handling
Cons:
- Not ideal for those seeking basic or minimum coverage
Key Discounts Include:
- Multi-Policy Discount
- Multi-Car Discount
- Good Student Discount
- Driver Training Discount
- Accident Prevention Course Discount
- Safety Feature Discounts
- Telematics Program (SafeLane)
- Portfolio Discount
See More Discount
Customer Feedback:
Customers often praise Chubb for its top-notch coverage, especially for high-value and classic cars. They like being able to choose their repair shop and get original parts. Many also value the extra perks like identity protection and unlimited rental car coverage. However, many find Chubb’s premiums too steep compared to other insurers. There are also complaints about delays and issues with claims handling, and the company’s D- rating from the BBB highlights these concerns.
Elephant
Elephant Insurance is a direct-to-consumer auto insurance provider known for offering affordable rates, especially to drivers with good records.
NAIC Complaint Index
4.04
AMB FSR Rating
A+
Annual Full Coverage Cost
$2,340
Average Cost for Minimum Liability Coverage
$740/Year
Pros:
- Lower-than-average rates, particularly for young drivers
- Numerous discounts that can reduce premiums by up to 40%
- Unique add-ons like pet injury coverage & diminishing deductibles
Cons:
- Below-average customer service ratings
- Limited availability in only eight states
- Higher rates for drivers with a DUI
Key Discounts Include:
- Multi-car Discount
- Early Bird Discount
- Multi-policy Discount
- Homeowner Discount
- Claims-free Discount
- Good Student Discount
- Work-from-home Discount
- Pay-in-full Discount
- Electronic Signature Discount
- Paperless Account Discount
- Online Quote Discount
- Safe Car Discount
See More Discount
Customer Feedback:
Elephant Insurance is often praised for its affordable premiums, particularly appealing to younger drivers and those looking for basic coverage. However, when it comes to the claims process, many customers feel left in the lurch, citing delays, poor communication, and difficulty in reaching representatives. This frustration is reflected in the company’s high complaint ratio with the NAIC.
Safe Auto
Safe Auto is a non-standard insurance provider specializing in coverage for high-risk drivers who may have trouble finding insurance elsewhere.
NAIC Complaint Index
2.28
AMB FSR Rating
B
Annual Full Coverage Cost
$3,636
Average Cost for Minimum Liability Coverage
$2,532/Year
Pros:
- Accessible for high-risk drivers
- Flexible payment options
- Offers essential coverages
- Offers SR-22 filings
Cons:
- Has an above-average number of consumer complaints
- High premiums compared to competitors
- Few options for higher liability coverage limits
Key Discounts Include:
- Continuous Prior Insurance Discount
- Good Student Discount
- Homeowner Discount
- Multi-Policy Discount
- Multi-Vehicle Discount
- New Business Transfer Discount
- Over aged 55 Discount
- Paid-in-Full Discount
- Defensive Driving Course Discount
See More Discount
Customer Feedback:
Customers often find Safe Auto frustrating, mainly due to long delays and poor communication when handling claims. Many struggle to reach helpful customer service, feeling ignored or treated unfairly. With more complaints than expected for its size and low ratings on sites like Trustpilot (3.2/5), the company leaves a sour taste in many mouths. High premiums and negative experiences with adjusters add fuel to the fire, making many feel stuck between a rock and a hard place.
Pronto
Pronto Insurance is a regional provider specializing in affordable car insurance, primarily serving drivers in Texas and California.
Trustpilot
4.7/5
General Customer Sentiment
2.8/5
Annual Full Coverage Cost
$1872
Average Cost for Minimum Liability Coverage
$741/Year
Pros:
- SR-22 filings available
- Affordable for high-risk drivers
- Various policy term lengths (monthly, quarterly, etc.)
- Coverage for driving in Mexico
- Customizable insurance packages
Cons:
- Offers only four discount opportunities
- Operates only in Texas and California.
- Fewer coverage options compared to other insurers
- No major ratings, making service and financial strength unclear
Key Discounts Include:
- Multi-car Discount
- Renewal Discount
- Auto Pay Discount
- Pay in Full Discount
Customer Feedback:
While many appreciate the low-cost and flexible terms, some express concerns about customer service and claims handling. Pronto’s simplicity appeals to those looking for basic, no-frills insurance, but it may not be ideal for drivers seeking comprehensive service or a broad range of discounts.
Direct Auto Insurance
Direct Auto Insurance offers affordable car insurance with flexible payment plans, primarily targeting high-risk drivers or those needing minimum coverage, including SR-22 filings.
NAIC Complaint Index
7.11
AMB FSR Rating
A+
Annual Full Coverage Cost
$3,204
Average Cost for Minimum Liability Coverage
$1,686/Year
Pros:
- Flexible payment options
- Low down payments
- Ideal for high-risk drivers
Cons:
- Higher premiums than competitors
- Accident forgiveness isn’t standard
Key Discounts Include:
- Military Discount
- Safe Driver Discount
- Good Student Discount
- Senior Citizen Discount
- DynamicDrive Discount
- Driver Education Discount
- Multi-Car Discount
- Vehicle Equipment Discounts
- Multi-Product Discount
- Prior Coverage Savings
- Homeowner Discount
- Welcome Back Discount
- Affinity Discount
See More Discount
Customer Feedback:
Customers like that Direct Auto helps high-risk drivers find coverage and offers discounts to make insurance more affordable. On the flip side, many are frustrated with customer service, often describing it as unprofessional. Long wait times and rude or unhelpful representatives leave some feeling like they’re being left high and dry when they need assistance.
Root
Root Car Insurance is a usage-based insurer that calculates premiums based on your driving behavior, tracked via a mobile app, rewarding safe drivers with lower rates while moving away from traditional pricing factors like credit scores or past incidents.
NAIC Complaint Index
1.2
BBB Review
1.44/5
Annual Full Coverage Cost
$984
Average Cost for Minimum Liability Coverage
$728/Year
Pros:
- Rewards safe driving
- Easy policy claims through the app
Cons:
- Reports of slow and unresponsive service
- Not for high-risk drivers
Key Discounts Include:
- Safe Driver Discount
- Usage-Based Discount
- Bundling Discount
- Paid-in-Full Discount
- Focused Driving Discount
Customer Feedback:
Many customers appreciate the potential savings tied to their driving behavior, with the Root app praised for its ease of use. However, issues with the app misreading driving data, especially for Android users, have raised concerns, with a few accusing the company of poor service.
Esurance
Esurance, a subsidiary of Allstate, is an online-based insurance provider known for offering easy, tech-driven auto insurance solutions.
NAIC Complaint Index
8.23
AMB FSR Rating
A+
Annual Full Coverage Cost
$3,496
Average Cost for Minimum Liability Coverage
$1,406/Year
Pros:
- Manage insurance on the go with a user-friendly app
- Lower rates for drivers with good records
- Backed by Allstate
Cons:
- Primarily online, limited agent support
- Low ratings for claims satisfaction, with a J.D. Power score of 878/1,000
- No physical offices
- No new policies
Key Discounts Include:
- Multi-Policy Discount
- Safe Driver Discount
- Pay-Per-Mile Discount
- Good Student Discount
- Switch & Save Discount
- Homeowner Discount
- Paid-in-Full Discount
- Anti-Theft Device Discount
- Multi-Car Discount
- Anti-Lock Brake Discount
- DriveSense Discount
- Fast Five Discount
- Claim-Free Discount
- Renewal Discount
- AutoPay Discount
See More Discount
Customer Feedback:
While the company is praised for its user-friendly website, digital tools, and various discounts, it has received low satisfaction ratings for auto insurance claims handling and more complaints than expected for a company its size. For example, it scored only 1.4 out of 5 stars on Trustpilot.
GAINSCO
GAINSCO is a non-standard auto insurance company that specializes in providing basic and minimum liability coverage, primarily for high-risk drivers.
NAIC Complaint Index
1.60
AMB FSR Rating
A-
Annual Full Coverage Cost
$2,221
Average Cost for Minimum Liability Coverage
$800/Year
Pros:
- Affordable rates for basic coverage
- Flexible payment options
- Tailored for high-risk drivers
Cons:
- Limited coverage options beyond minimum requirements
Key Discounts Include:
- Pay-in-Full Discount
- Autopay Discount
- Homeowner’s Discount
- Proof of Prior Coverage Discount
- Student Discount
- Advance Purchase Discount
- Loyalty Discount
- Multi-Car Discount
See More Discount
Customer Feedback:
Customers find GAINSCO appealing for its easy buying process and affordable rates for minimum coverage. However, many reviews are less favorable, with a low average rating (1 out of 5 on Yelp). Complaints often mention confusing billing, sudden price changes, quick policy cancellations after late payments, and difficulties in reaching customer service or agents.
Lemonade
Launched primarily as a provider of renters and homeowners insurance, Lemonade has since expanded into the auto insurance space, leveraging artificial intelligence (AI) to streamline processes like claims handling and customer support.
NAIC Complaint Index
7.47
AMB FSR Rating
A
Annual Full Coverage Cost
$1,380
Average Cost for Minimum Liability Coverage
$474/Year
Pros:
- Fully app-based experience
- Unclaimed premiums are donated to charities
- Often affordable rates
- AI-driven processes for blazing-fast claims
Cons:
- Receives more customer complaints than the industry average
- Fewer customization options for coverage
Key Discounts Include:
- Hybrid/EV Discount
- Bundle Discount
- Early Sign-Up Discount
- Mobile App Discount
- Safe Driver Discount
Customer Feedback:
Many customers appreciate the app’s simplicity and the speed of the claims process, though some feel left out in the cold when it comes to complex issues that require human support. On the other hand, Lemonade’s socially conscious approach and affordability strike a chord with younger, tech-savvy drivers, but others miss the hands-on service and flexibility offered by traditional insurers.
Acuity
Acuity Car Insurance is a regional insurer based in Wisconsin that provides auto insurance to drivers across 29 states.
NAIC Complaint Index
0.66
AMB FSR Rating
A+
Annual Full Coverage Cost
$1,526
Average Cost for Minimum Liability Coverage
$477/Year
Pros:
- High customer satisfaction
- Quick claims handling
- Personalized service
- Unique coverages like custom parts and gap insurance
- Over 90 years of experience
Cons:
- Fewer discount options than larger insurers
- No anonymous quotes
Key Discounts Include:
- Multi-policy Discount
- Multi-car Discount
- Good Student Discount
- Accident Prevention Discount
- Vehicle Technology Discount
- Paid-in-full Discount
- Prior Insurance Discount
- Responsible and Safe Driver Discount
- Graduate Student Discount
- Safety Features Discount
See More Discount
Customer Feedback:
Acuity Insurance enjoys a strong reputation among customers, with a 4.3-star rating on Trustpilot from over 1,800 reviews. Many customers praise the company’s excellent customer service, noting that staff members are friendly and helpful, both in handling claims and providing general support. It also holds an A+ rating with the Better Business Bureau indicating that most complaints are resolved satisfactorily.
Costco
Costco Car Insurance, offered through a partnership with CONNECT by American Family Insurance, provides exclusive auto insurance options for Costco members.
NAIC Complaint Index
2.40
AMB FSR Rating
A
Annual Full Coverage Cost
$1,068
Average Cost for Minimum Liability Coverage
$1,020/Year
Pros:
- Competitive rates and additional discounts for Costco members
- Lifetime renewability for qualified members
- Access to added benefits, such as glass repair with no deductible
Cons:
- Only available to Costco members
Key Discounts Include:
- Costco Member Discount
- Multi-Policy Discount
- Multi-Vehicle Discount
- Continuous Coverage Discount
- Garaging DiscountGood Student Discount
- Safe Driving Discount
- Premier Safety Discount
See More Discount
Customer Feedback:
Despite some positive experiences, such as significant savings on rates the overall customer service ratings are lukewarm, with a low Trustpilot rating of 1.8 out of 5 from over 2,000 reviews. Common gripes include billing issues, delays in processing claims, and dissatisfaction with the outcomes, leading some to feel the value doesn’t quite match the initial savings.
Liberty Mutual
Liberty Mutual, one of the largest auto insurance providers in the U.S., offers customizable coverage options and serves millions of drivers nationwide through its direct-to-consumer approach.
NAIC Complaint Index
1.97
AMB FSR Rating
A
Annual Full Coverage Cost
$1923
Average Cost for Minimum Liability Coverage
$639/Year
Pros:
- 24/7 claims service
- Accessible to customers in all 50 states
- Various discounts for a significant saving
- Comprehensive add-on coverages like new car replacement
Cons:
- Higher-than-average complaint index
- Above-average rates
- 866/1000 in J.D. Power’s Claims Satisfaction, indicating a need for improvement in claims handling
Key Discounts Include:
- RightTrack Program
- Homeowner Discount
- Military Discount
- Early Shopper Discount
- Student Away at School Discount
- Claims-Free Discount
- Violation-Free Discount
- Multi-Policy Discount
- Multi-Car Discount
- Preferred Payment Discount
- Paperless Policy Discount
- Advanced Safety Features Discount
- Discount for drivers of electric or hybrid vehicles
See More Discount
Customer Feedback:
Liberty Mutual is generally seen as a reliable insurer with diverse coverage options and discounts, but customer reviews highlight areas of concern. Some policyholders express frustration with inconsistent customer service, difficulty obtaining fair compensation for claims, and challenges in communication. Additionally, issues with policy renewals, especially after at-fault accidents or using emergency roadside assistance, are frequently mentioned, according to Trustpilot.
The General
The General car insurance is a non-standard auto insurer specializing in coverage for high-risk drivers, offering policies to those with poor driving records, SR-22 filings, or individuals who may have difficulty securing coverage from traditional insurers.
NAIC Complaint Index
8.18
AMB FSR Rating
A
Annual Full Coverage Cost
$2,212
Average Cost for Minimum Liability Coverage
$604/Year
Pros:
- Accessible for high-risk drivers needing SR-22 filings
- Quick online quotes
Cons:
- Higher premiums, especially for low-risk drivers
- Basic coverage with fewer add-ons
Key Discounts Include:
- Multi-Car Discount
- Multi-Policy Discount
- Defensive Driving Course Discount
- Good Student Discount
- Claim-Free Discount
- Safe Driver Discount
- Affinity Discount
- Automated Payment Discount
See More Discount
Customer Feedback:
While many high-risk drivers commend its competitive rates and the user-friendly app, its high NAIC Complaint Index points to widespread dissatisfaction, particularly with claims handling, where customers frequently report delays, as seen in reviews on BBB (3.56/5).
Metromile
Metromile Car Insurance is a pay-per-mile provider that tailors premiums based on how much you drive by charging a low base rate plus a per-mile fee, unlike traditional insurers that offer a flat monthly rate.
NAIC Complaint Index
16.71
BBB Rating
2.18/5
Annual Full Coverage Cost
$1,878
Average Cost for Minimum Liability Coverage
$780/Year
Pros:
- Cost-savings for low-mileage drivers
- Up to 250 miles per day without extra charges
- 17-day Ride Along test period
Cons:
- Not suitable for high-mileage drivers
- Its tracking device Metromile Pulse required to be installed
- Fewer discounts for things like safe driving
Key Discounts Include:
- Multi-Car Discount
- Mature Driver Discount
- Good Driver Discount:
- Policy-Based Discounts
- Paperless Discount
- Continuous Coverage Discount
- Online Quote Discount
- Bundling Discounts
- Homeowner Discount
- Multi-Policy Discount
See More Discount
Customer Feedback:
Customers generally appreciate Metromile’s transparent pricing model and how much they can save when driving less. However, many feel uncomfortable with customer service, citing long wait times, unhelpful responses, and difficulties reaching support when needed. Additionally, according to BBB, Metromile claims processing has been a point of frustration for numerous users, with slow handling and occasional denials causing delays. Some customers also feel that the base rate is higher than expected, which diminishes the potential savings from the pay-per-mile model.
Metlife
MetLife Car Insurance offers standard auto coverage with additional options like new car replacement and major parts replacement. While MetLife’s direct auto policies are now managed by Farmers Insurance, the brand still has recognition.
BBB Reviews
1.06/5
AMB FSR
A+
Annual Full Coverage Cost
$2,212
Average Cost for Minimum Liability Coverage
$728/Year
Pros:
- Good coverage for rental car damage
- Multiple discounts available
- Excellent financial stability
Cons:
- Limited online functionality
Key Discounts Include:
- Multi-Car Discount
- Multi-Policy Discount
- Defensive Driving Course Discount
- Good Student Discount
- Claim-Free Discount
- Safe Driver Discount
- Affinity Discount
- Automated Payment Discount
See More Discount
Customer Feedback:
While some policyholders have had smooth experiences with claims processing, many are left feeling let down by customer service, citing long wait times and unhelpful responses. Additionally, a common gripe among policyholders is that MetLife’s rates are often higher than competitors for comparable coverage. Compounding these issues, the company has received a higher-than-expected number of complaints to state regulators, according to BBB and Trustpilot data.
Watch Out: These Car Insurance Companies Have the Most Complaints on Trustpilot
It’s one thing to find affordable or well-known car insurance, but it’s another to trust that your insurer will have your back when you need them most. Complaints often arise when this trust is broken, typically in the following areas:
Claims Get Ignored: Many people have shared how frustrating it was when they filed a claim after an accident, but their insurer didn’t respond.
Customer Service That’s Hit or Miss: Some companies are polite and helpful when it comes to billing, but when customers are transferred to the claims department, it’s a whole different story. It’s a classic case of “passing the buck,” where no one takes responsibility.
Unexpected Cancellations or Price Hikes: Imagine thinking you’re covered, only to find out your policy was canceled without warning. That’s exactly what happened to some customers. Others reported sudden increases in their rates, with no clear explanation.
Billing Problems: For some, the trouble started with unexpected charges or confusing bills. Some companies made mistakes with payments, overcharging or adding fees that didn’t seem right.
Misleading Low Prices: While low prices can be tempting, customers quickly found out that these “bargains” often came with hidden costs.
Below are some car insurance companies with lower-than-expected ratings on Trustpilot, even though they may be well-known. But don’t get the wrong idea – Trustpilot is just one part of our overall analysis. We’re highlighting it separately just for easier reference, as many users turn to this world’s largest review platform when making final decisions.
| Auto Insurance Comapny | Trustpilot Reviews |
| Ensurance | Auto Insurance Company |
| Mile Auto | 2.8/5 |
| Porsche Auto Insurance | 2.7/5 |
| Titan Auto Warranty | 2.6/5 |
| Clearcover | 2.4/5 |
| Anchor General Insurance Agency, Inc. | 2.5/5 |
| Anchor General Insurance Agency, Inc. | 2.2/5 |
| PacStar General Insurance Agency, Inc. | 2.2/5 |
| Champion Car Warranty | 2.3/5 |
| Metromile | 2.0/5 |
| Vero | 1.8/5 |
| Farmers Insurance | 1.3/5 |
| Farmers Insurance | 1.3/5 |
| The Hartford | 1.3/5 |
| Metlife | 1.2/5 |
| Progressive | 1.2/5 |
| Allstate | 1.2/5 |
| Infinity Auto insurance | 1.2/5 |
| Liberty Mutual | 1.1/5 |
Top Trending Car Insurance Services
You don’t have to limit your choice to just the top-rated companies we just mentioned; there are also some trending options out there. We’re not just talking about the most popular auto insurance providers but also brokers that help you compare quotes from various insurers.
| Insurers | Key Features | Avg. Full Coverage Rate | Get a Quote |
| Auto-Owners | Personalized service, bundling, and safe driving discounts | $1451 | Auto-Owners Quote |
| OTTO | AI matches customers with customized options | Varies by provider | OTTO Quote |
| Dairyland insurance | Coverage for high-risk drivers, SR-22 support | $4,692 | Dairyland insurance Quote |
| Geico | Low rates, many discounts, easy online tools | $1572 | Geico Quote |
| Progressive | Usage-based rates, digital tools, multiple discounts | $1742 | Progressive Quote |
| Triple AAA | Comprehensive coverage, roadside assistance | $1903 | AAA Quote |
| Safex car insurance | Affordable rates, telematics for safe drivers | $1,800 | Safex car insurance Quote |
| Insurify (middleman) | Compares rates from various insurers | Varies by provider | Insurify Quote |
| Walmart (middleman) | Partners with insurers for competitive rates | Varies by provider | Walmart Quote |
| Experian (middleman) | Uses credit data to find savings | Varies by provider | Experian Quote |
| State Farm | Largest U.S. insurer, broad coverage options | $1,515 | State Farm Quote |
Find the Most Suitable Car Insurance Company for You
In our analysis of the best-rated car insurance companies, Erie really caught our eye with its winning combination of competitive rates and a broad range of valuable add-on coverages. It delivers solid pricing across different age groups and driving histories while maintaining a low rate of customer complaints. Given these strengths, Erie truly earns its place as a top contender for the best overall car insurance provider.
However, what’s best overall might not be the best for you, especially if you have specific needs or priorities. Let’s take a closer look at what might work best for you:
Best Auto Insurers for Budget-Conscious Drivers – USAA
For drivers looking to keep costs down, USAA is a standout choice. With an average annual rate of $1,432 for full coverage, it comes in as the most affordable option on our list of best car insurance companies.
Car Insurance Company with the Best Customer Service – Amica
As one of the largest auto insurers in the U.S., Amica took the top spot among eight major insurers in J.D. Power’s 2023 U.S. Insurance Shopping Study. That same year, it also ranked 1st out of 24 companies in J.D. Power’s U.S. Auto Claims Satisfaction Study, reflecting strong performance in both customer acquisition and claims handling.
Best for New Cars – Auto-Owners
Auto-Owners is a great option for new car owners due to its robust coverage options. It offers a “purchase price guarantee” that reimburses the full original purchase price if your car is totaled within the first two years. Additionally, their “total loss to a new automobile” coverage ensures a replacement vehicle if yours is totaled within 90 days of purchase.
Best Car Insurance Company for Discounts – Esurance
If you’re aiming to cut costs on your car insurance, Esurance could be a good option to consider. They offer a wide range of discounts, such as savings for homeowners, insuring multiple vehicles, completing a defensive driving course, and opting for automatic payments. However, remember that the insurer with the most discounts isn’t always the cheapest overall, so it’s still worth comparing rates.
Best for High-Risk Drivers – Progressive
Progressive is a strong choice for high-risk drivers, offering some of the most affordable rates for those with a DUI and not-perfect record. With a long history of serving drivers with challenging records, Progressive knows how to provide coverage where others might not. The company also uses advanced data and smartphone tools to monitor driving behavior, helping drivers improve over time.
Best Car Insurance for Young Drivers – Liberty Mutual
For young drivers looking for affordable car insurance, Liberty Mutual would be as a top choice. It offers competitive rates along with several discounts tailored to younger drivers, such as savings for good students, those who complete driver’s education courses, and those who maintain a clean driving record.
Best Auto Insurance for Seniors – USAA
According to US News, USAA ranks as the top car insurance provider for seniors, particularly for those with military ties. Offering some of the most competitive rates for both male and female senior drivers, USAA is known for its affordability and quality service. Though it’s only available to seniors with a direct or family connection to the military, USAA consistently provides the lowest rates among insurers, making it an excellent choice for eligible seniors seeking reliable coverage at a lower cost.
Best Car Insurance Choice for Military Members – USAA
USAA is widely recognized as the premier auto insurance provider for those connected to the military. Serving only active-duty members, veterans, and their families, USAA is known for its affordable rates and comprehensive services. Beyond auto insurance, they offer a range of financial products, including banking and investment services, tailored specifically for those in the military community. With high marks in customer satisfaction, USAA also provides unique perks, like discounts for vehicles stored on base, making it a preferred choice for military families.
Other Car Insurance Companies to Consider
| Auto Insurance Company | Avg. Annual Rate (Approx.) | Financial Strength (based on A.M. Best data) | Get a Quote |
| Mapfre | $1,040 | A | Mapfre Quote |
| Shelter | $1,462 | A | Shelter Quote |
| Safeco | $1,405 | A | Safeco Quote |
| The Hartford | $1,497 | A++ | The Hartford Quote |
| Grange Insurance | $1,705 | 2.6 | Grange Insurance Quote |
| AssuranceAmerica | $1,800 | 3.2 | AssuranceAmericQuote |
| COUNTRY Financial | $1,416 | 2.3 | COUNTRY Financial Quote |
| CarInsurance | $1,682 | 3.8 | CarInsurance Quote |
| New York Central Mutual | $1,548 | 1.28 | NYCM Quote |
| Allianz Insurance | $1,600 | 4.5 | Allianz Insurance Quote |
| AIG | $2,000 | 1.6 | AIG Quote |
Understand Vehicle Insurance Coverage Options
Car insurance policies are typically made up of several key types of coverage, each designed to protect you in different situations:
Liability Insurance: Includes both bodily injury liability (BI), which covers medical expenses for others if you’re at fault in an accident, and property damage liability (PD), which pays for damages to another person’s vehicle or property when you are responsible.
Collision Insurance: Covers the cost of repairing or replacing your car if it is damaged in a collision with another vehicle or a road hazard.
Comprehensive Insurance: Protects against damages not caused by collisions, such as theft, vandalism, natural disasters, or hitting an animal.
Medical Payments Coverage (MedPay): Helps cover medical bills and funeral costs for you and your passengers, regardless of who is at fault in an accident.
Personal Injury Protection (PIP): Extends coverage to include medical expenses for you and your passengers, as well as lost wages and other related costs following an accident.
Uninsured/Underinsured Motorist Coverage: Provides compensation for your damages if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
Extra Auto Insurance Coverage
In addition to standard coverages, many insurers offer optional add-ons to customize your policy. Here are some common options:
| Add-ons | Explanation |
| Accident Forgiveness | Keeps your premium from going up after your first at-fault accident. |
| Total Loss Protection | Replace your car if it’s deemed a total loss in an accident caused by another driver. |
| Gap Insurance | Covers the difference between your car’s actual cash value and the remaining loan amount if your vehicle is totaled. |
| Rental Car Reimbursement | Pays for a rental car while your vehicle is being repaired, typically up to 30 days. |
| Roadside Assistance | Provides help for breakdowns, including towing, jump-starts, tire changes, and lockout services. |
| Mechanical Breakdown Insurance | Similar to an extended warranty, this covers repairs for vehicle breakdowns under normal use. |
| Rideshare Insurance | Covers damages when driving for services like Uber or Lyft. |
| Original Parts Replacement | Ensures that only original manufacturer parts are used in repairs. |
| Classic Car Insurance | Offers coverage for vintage vehicles at an agreed value, often with mileage restrictions. |
| Commercial Car Insurance | Provides protection for personal vehicles used for business purposes. |
| Death and Dismemberment | Pays for damages if an accident results in death or dismemberment. |
| Auto Glass Repair | Covers repairs or replacement for damaged windshields or other auto glass. |
| Umbrella Insurance | Adds extra liability coverage beyond basic policy limits in case of lawsuits. |
| Valuables Protection | Covers repair or replacement costs for valuable items kept in your car. |
| Pet Coverage | Provides compensation if your pet is injured or killed in an accident. |
| Diminishing Deductible | Reduces your deductible over time if you don’t file a claim |
What You Need: Minimum-liability Policies or Full Coverage Car Insurance
Minimum-Liability Policies: These policies cover only what’s legally required, protecting you against damages and injuries to others if you’re at fault. They’re a good fit if you have an older car, don’t drive much, or need to keep premiums low. However, they won’t cover damage to your own car or medical costs for you or your passengers.
Full Coverage Car Insurance: Full coverage includes liability, collision, and comprehensive insurance, protecting you against a wider range of risks, for example, replacement after accidents, theft, or natural disasters. It’s more expensive but offers peace of mind, especially if you have a newer car or drive regularly.
Ultimately, it’s about balancing cost against risk. If your car has significant value or you prefer the security of broader protection, full coverage could be worth the investment. If your priority is saving on premiums and your car isn’t worth much, minimum liability might suffice.
How to Find the Best Car Insurance
Finding the right car insurance can feel overwhelming with so many options available. With a few smart strategies, you can secure coverage that fits both your needs and budget.
- Know What You Need: While state laws mandate minimum coverage, this often falls short of comprehensive protection. Consider full coverage to shield yourself from significant financial losses after an accident.
- Shop Around Regularly: Insurance rates fluctuate, so it pays to compare quotes from different providers every six months.
- Research Company Reputation: Price isn’t everything. Look into the insurer’s track record for customer service and claims handling. Reading reviews and checking third-party ratings like J.D. Power can give you a clearer picture of their reliability.
- Weigh Local vs. National Insurers: While national insurers often provide more options and discounts, smaller local companies may offer personalized service or lower rates.
- Hunt for Discounts and Tailored Options: Most insurers offer discounts for safe driving, vehicle features, or even affiliations like your job. Additionally, consider useful add-ons like roadside assistance or accident forgiveness to customize your coverage.
- Factor in Your Profile: Your age, credit score, and driving history can heavily influence your premium. Even if your rates are high now, working to improve your profile can help lower costs over time.
About Car Insurance Cost
Generally, How Much Will You Pay for Car Insurance?
In general, U.S. drivers pay an average of $1,070 to $2,000 annually for full coverage. However, this range can be much higher or lower depending on the state. Below is a quick overview of average annual premiums across several states:
| State | Avg. Annual Premium |
| California | $1,800 |
| Florida | $2,364 |
| Hawaii | $1,451 |
| Texas | $1,760 |
| New York | $1,700 |
| Ohio | $1,200 |
| Louisiana | $2,883 |
| Vermont | $1,000 |
| Michigan | $2,858 |
While premiums tend to be higher in states like Michigan and Louisiana due to higher accident rates and insurance requirements, states like Vermont and Ohio enjoy more affordable rates.
Key Factors That Affect Your Car Insurance Costs
Location: Urban areas typically have higher rates due to increased traffic and accident risk, while rural areas tend to be cheaper.
Driving Record: Drivers with a history of accidents or violations pay more than those with clean records. Even a single speeding ticket can lead to a noticeable increase in premiums.
Coverage Levels: Full coverage, which includes comprehensive and collision coverage, costs more than minimum liability coverage. Additional options like roadside assistance and rental car reimbursement can also increase costs.
Vehicle Type: Cars with high safety ratings often cost less to insure, while luxury or sports cars generally come with higher premiums due to expensive repairs.
Age and Gender: Younger drivers and male drivers under the age of 25 typically pay higher premiums due to statistically higher accident rates.
Credit Score: In many states, insurance companies use credit scores to help determine rates, with lower scores often leading to higher premiums.
Know This: Car Insurance Costs Keep Rising
Car insurance premiums have been steadily rising, and the numbers don’t lie. Between February 2023 and February , insurance rates saw a 20.5% increase for consumers, as reported by the Bureau of Labor Statistics. This upward trend can be attributed to a variety of factors, including the growing cost of vehicle repairs, an increase in medical expenses following accidents, and the impact of natural disasters leading to more claims.
Additionally, the surge in litigation costs and the broader economic inflation have pushed insurance companies to adjust their rates accordingly. For drivers, this means a heavier financial burden, especially in states with already high average premiums.
Conclusion: What is the Best Car Insurance Company in the U.S.?
After weighing factors like customer complaints, claims handling, financial stability, and affordability, Erie is the top performer for overall quality. Trailing close behind, the top 10 list includes USAA, Nationwide, Auto-Owners, Travelers, Geico, Westfield, Progressive, AAA, and State Farm. Each of these companies excels in various aspects, offering a strong balance of service, value, and reliability, making them leading choices in the car insurance market.
FAQs on Best Car Insurance Companies
How can I get the best deal on car insurance?
- Use comparison tools to evaluate quotes from different providers side-by-side.
- Time your renewal strategically, avoiding auto-renewal to explore better options.
- Adjust your coverage by increasing deductibles or opting for liability-only if comprehensive isn’t needed.
- Maximize available discounts, such as bundling policies, paying in full, or having a good driving record.
Which car insurance company is best for my family?
American Family, thanks to its generational discounts and incentives for young drivers, appears to be a solid choice for families.
Which auto insurance offers the best liability insurance?
Nationwide provides extensive full-coverage options, blending competitive rates with reliable service.
What’s the top choice for usage-based insurance?
Nationwide leads with generous telematics discounts, while Metromile is perfect for low-mileage drivers with its pay-per-mile program.
What’s the best car insurance company in claims satisfaction?
Amica ranks highest in claims satisfaction, per J.D. Power.
Which car insurance offers the best full coverage?
Nationwide provides extensive full-coverage options, blending competitive rates with reliable service.
What’s the best car insurance company for low-mileage drivers?
Metromile’s pay-per-mile model offers substantial savings for those who drive infrequently.
Source:
- Wikipedia, “Vehicle Insurance“
- National Association of Insurance Commissioners, “Vehicle Insurance Rating“
- Trustpilot, “Customer Reviews of Auto Insurance Companies“
- Better Business Bureau, “Auto Insurance Company Research“
- J.D. Power, “ U.S. Auto Insurance Study“
- U.S. News & World Report, “Introduction to Car Insurance Companies“
- MarketWatch, “Car Insurance: Reviews and Guide“
About Author:
Meet Scarlett Brooks, an experienced Insurance Writer with a knack for simplifying complex insurance concepts and delivering straightforward, practical advice – particularly when it comes to car insurance.
With 4 years of hands-on experience in the insurance industry, Scarlett has gained a deep understanding of what consumers truly need when choosing the right coverage. Her unique insights allow her to break down intricate policies into easy-to-digest information. When she’s not analyzing insurance plans, Scarlett stays up-to-date on industry trends to ensure readers always have the best guidance at their fingertips.