30 May Different Auto Insurance Companies

Best Car Insurance Companies

The best auto insurance companies provide their customers with more than just the coverage they need at a fair price – even good companies are capable of this. The best car insurance providers put the policyholder first from quote to claim, providing a simple way to handle plans and make payments.

To determine the best auto insurance providers, the following factors were considered: rates and incentives, ease of filing a claim, website transparency, complaint data from the National Association of Insurance Commissioners, and more.

Through a review of the best auto insurers in the United States, the following providers earned 4.5 or 5 stars out of 5.

1. Amica

Amica Insurance provides automobile insurance in 49 states. In 2020, experts at J.D. Power conducted studies and rated Amica first in the New England area for overall satisfaction. They ranked Amica eighth among 12 midsized insurers for insurance shopping satisfaction. Amica was also ranked second in overall auto claims satisfaction by J.D. Power in 2020. 

If you do have to go through the claims process, there’s a chance your insurance prices will not rise. Customers who want certain upgrades will receive “Advantage Points” for safe driving, renewing their policies, and referring other drivers. These points can be used to maintain your current rate after an accident. Amica also provides free glass repair, lock replacement, and airbag repair after deployment.

2. Erie

Erie Insurance sells auto insurance in 12 states, including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin, as well as Washington, D.C. 

Erie received high scores in J.D. Power consumer satisfaction surveys: 

• The 2020 U.S. Insurance Shopping Report, which tests satisfaction with the auto insurance shopping experience, ranked Erie second out of a dozen midsized insurance providers. 
• In the 2020 U.S. Auto Insurance Satisfaction Report, Erie ranked second among 14 companies in the mid-Atlantic region, second among 17 insurers in the Southeast region, and third among 20 companies in the North Central region.
• In the 2020 Auto Claims Satisfaction Report, Erie ranked seventh out of 23 companies nationally. 

When you purchase Erie auto insurance, you can lock in your rates before you change your covered drivers, covered vehicles, or your home address. Erie provides new car insurance for vehicles that are less than 24 months old. Rental compensation coverage is included with comprehensive coverage in most states. After three years with the organization, accident forgiveness is available.

3. Geico

Geico, one of the most well-known insurance providers in the United States, offers auto insurance in all 50 states and Washington, D.C. 

Geico rated first among major insurers for the insurance shopping experience. Geico ranked first (or tied for first) for overall satisfaction in the North Central, Northwest, and Southwest regions in J.D. Power’s 2020 customer satisfaction studies. In 2020, J.D. Power ranked Geico 11th out of 24 companies in terms of customer satisfaction with its claims process.

Geico packages discounts, offering drivers in certain states a few dollars off for anything from a clean driving record to good grades. Federal workers, as well as veterans, active forces, and reservists, are eligible for discounts. In terms of coverage, you can get the basics as well as mechanical failure coverage, which helps pay for maintenance on newer vehicles with fewer miles.

4. NJM

New Jersey Manufacturers Insurance, despite its name, is not limited to a single state. Drivers in Connecticut, New Jersey, and Pennsylvania will get auto insurance from the company. 

J.D. Power’s consumer satisfaction surveys give NJM high marks: 

• The 2020 Auto Claims Satisfaction Report, the most recent available, ranked us first in “among the best.” 
• The 2020 U.S. Auto Insurance Satisfaction Report, which tests overall customer satisfaction, ranked us third out of 14 insurers in the mid-Atlantic region.

NJM offers all the regular insurance coverages, as well as extras. Including, new vehicle repair coverage for vehicles with less than 15,000 miles and pet coverage, which pays for medical expenses if your pet is involved in a covered car accident. You can also purchase gap insurance to help pay off your car loan if it is stolen or totaled.

5. Shelter

Shelter Insurance offers policies in the following states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. 

Shelter is ranked third among 14 insurers in the Central region in J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Report. 

Shelter’s new vehicle plans include new car replacement insurance, which will pay for a new car if yours is totaled in the first year with less than 15,000 miles on it. There are several discounts available, including one for drivers who are at least 48 years old and have another qualifying Shelter policy.

6. Texas Farm Bureau

Texas Farm Bureau Insurance is only available in one state, and purchasing coverage necessitates a Farm Bureau membership, which normally costs $35 to $50 per year. This gives you access to some of the most affordable auto insurance in Texas. 

Texas Farm Bureau Insurance is the top ranked auto insurer in Texas according to J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Report. 

Texas Farm Bureau Insurance offers discounts to student drivers for good grades, homeowners for bundling, and anyone for getting a car’s vehicle identification number, or VIN, written in the glass to prevent theft.

7. Allstate

Allstate is present in all 50 states as well as Washington, D.C.

In J.D. Power’s 2020 report, Allstate ranked fourth among eight major insurers for consumer satisfaction with insurance purchasing and first in Florida for overall satisfaction. In 2020, Allstate ranked eighth out of 24 providers in terms of consumer claims satisfaction. 

In certain states, Allstate provides incentives to drivers who use the company’s telematics service — a device that monitors how safely you drive. Discounts are available for being a good student, buying a new vehicle, and going paperless. Allstate also offers a deductible reduction if you sign up for the optional deductible rewards program, which reduces your out-of-pocket costs in the event of an accident.

8. American Family

American Family Insurance is present in 19 states, mostly in the Midwest and Pacific Northwest.

According to J.D. Power’s 2020 consumer satisfaction surveys, American Family ranked third among a dozen midsized insurers for satisfaction with the insurance shopping experience. They also tied for first position in the Southwest area for overall satisfaction. In 2020, J.D. Power rated American Family 17th out of 24 providers in terms of auto insurance claims satisfaction.

In certain states, American Family provides a variety of discounts to drivers, including those for loyalty, completion of a defensive driving course, and students away at school. The company also has driving-monitoring apps, which enable good drivers to receive discounts.

9. Auto Club of Southern California (AAA)

The Auto Club of Southern California is one of several insurance providers that trade under the AAA banner. The Auto Club of SoCal may appear to be a regional player, but it actually operates in about 20 states, from California to Maine. To obtain coverage, you would most likely need a AAA club membership, which usually costs between $40 and $165 per individual per year. 

According to J.D. Power’s 2020 consumer satisfaction surveys, the Auto Club of SoCal rated second among 15 insurers in California for overall satisfaction. They ranked tenth among 12 midsized insurers for satisfaction with the insurance shopping experience. In 2020, Auto Club of SoCal ranked 15th out of 24 companies in terms of auto insurance claims satisfaction. 

In certain states, Auto Club of SoCal offers incentives for maintaining coverage, maintaining good ratings, or bundling policies. Good drivers can also save money by monitoring their driving with the AAA OnBoard app. Discounts differ by territory.

10.  Auto-Owners

In 26 states, Auto-Owners Insurance is eligible.

In J.D. Power’s 2020 report, Auto-Owners ranked fifth among 12 mid-sized insurers for consumer satisfaction with insurance shopping and first in the Central area for overall satisfaction. In 2020, Auto-Owners ranked third out of 24 providers in terms of consumer claims satisfaction. 

In certain states, auto-owners can receive incentives for ensuring multiple vehicles, paying premiums on time for three years, and getting a life insurance policy with the company. Auto-Owners also has a driving tracking app. Drivers who avoid hard braking and sudden turns, among other healthy activities, may be eligible for a discount.

11.  Farmers

Farmers Insurance is ranked seventh of the largest auto insurance providers in the United States. 

Farmers ranked sixth among eight major insurers in J.D. Power’s 2020 U.S. Insurance Shopping Study for consumer satisfaction with the insurance shopping experience. Farmers was ranked No. 10 out of 24 companies in 2020 by J.D. Power for customer satisfaction with its claims process. 

Discounts are available for bundling various policies, being a good student, and being a member of some professional organizations.

12.  Progressive

Progressive Insurance is available in all 50 states and Washington, D.C., so no matter where you live, you will get it. 

Progressive ranked seventh out of eight major insurers in J.D. Power’s 2020 U.S. Insurance Shopping Study for consumer satisfaction with the insurance shopping experience. Progressive was ranked 21st out of 24 organizations in 2020 by J.D. Power for customer satisfaction with its claims process.

Depending on your state, Progressive has different features and choices. Some of the more intriguing additions include pet accident insurance, which is included with crash coverage, and a deductible “savings bank,” which reduces your deductible by $50 per claim-free policy cycle, to a minimum of $0.

13.  State Farm

State Farm, the nation’s largest personal auto insurer, serves all 50 states and Washington, D.C. 

State Farm ranked third among eight major insurers in consumer satisfaction with buying insurance and first in overall satisfaction in New York and the mid-Atlantic area in J.D. Power’s 2020 studies. In 2020, State Farm ranked sixth out of 24 companies in terms of consumer claims satisfaction.

In certain states, the business provides incentives to drivers for owning several vehicles, being a good driver, and having a student away at school. State Farm offers a safe driving app that can be accessed through your phone or OnStar. You will get a discount if you obey the rules and drive safely.

14.  Travelers

Travelers Insurance is available in 42 states as well as Washington, D.C. 

In J.D. Power’s 2020 report, Travelers ranked eighth out of eight major insurers in terms of consumer satisfaction with insurance purchasing. In 2020, Travelers ranked 19th out of 24 organizations in terms of customer claims satisfaction. 

In certain states, Travelers provides possible incentives for using the company’s telematics service, which is a device that monitors your driving. Optional policies include forgiveness for one accident and one minor breach every 36 months, ensuring that your premiums do not rise because of an incident.

15.  USAA

While USAA offers insurance in all 50 states and the District of Columbia, it is only available to active personnel, veterans, and their families. As a result, NerdWallet does not rate USAA among other big auto insurance providers. However, for customers who qualify, USAA often provides low rates. 

In J.D. Power reports, USAA consistently ranks high in insurance shopping, claims, and overall consumer satisfaction. 

USAA provides several discounts, including those designed especially for military drivers. You can, for example, get a discount if you keep your car in a garage on a military base. In certain states, you can even get more general discounts for taking defensive driving lessons, getting good grades, and insuring a new vehicle.

Which Insurance Company is #1?

According to the National Association of Insurance Commissioners, State Farm is the largest automobile insurance provider in the United States. State Farm accounts for more than 16 percent of the personal auto insurance market in 2019. Geico, Progressive, and Allstate are the next biggest car insurance companies. 

Choosing the Right Auto Insurance Provider for You 

Pricing and incentives contributed to each insurer’s ratings. However, it is well known that cost is one of the most important factors for many auto insurance buyers. Because pricing is individualized, focused on factors such as your age, region, vehicle, credit history, and gender (in most cases), it is critical to compare car insurance quotes. 

If cost is the most important consideration in your quest, comparing car insurance quotes will help you find the best deal. However, the shopping experience can also reveal information about a company’s customer service expectations.

To find the best car insurance providers, do the following: 

• To find complaints and other information about companies in your region, go to the website of your state’s insurance commissioner. 
• Ask your agent or a customer service representative any questions you have to ensure you’re getting anything you need — and nothing you don’t. 
• Take into account smaller insurance providers as well. In certain areas, small businesses deliver prices that are far lower than large rivals. 
• If you’ve had fines, DUIs, or other breaches, shop three to five years after the event, when surcharges will be substantially reduced.