No matter what kind of vehicle you drive or where you’re going, it’s essential that you have car insurance coverage from one of the best auto insurance companies — and not just because it’s the law in 48 of the 50 states. A car insurance policy protects you in case of property damage or bodily injury liability if you’re in an accident. There are also policies that cover damage to your own vehicle for a variety of reasons, incidents with uninsured or underinsured drivers, plus medical expenses incurred due to accidents. Some car insurance companies have coverage options that even include roadside assistance.
Those costs can accumulate for an uninsured motorist or even an underinsured one. Having comprehensive coverage can help keep out-of-pocket costs associated with car insurance premiums in check. Note that an insurance policy typically doesn’t cover wear and tear on a vehicle, damage incurred by drivers not listed on the insurance policy, or driving under the influence and damage to the engine as a result of oil leakage.
Sorting through car insurance companies and offers can be intimidating. There are an estimated 300 car insurance providers in the US, ranging from those operating at a nationwide level to smaller companies. It’s worth checking if you have any well-reviewed statewide options in your area before committing to a car insurance rate with a nationwide insurance company.
10 Best Car Insurance Companies In USA
Geico’s clever commercials ensure that it remains one of the best-known car insurance companies in the country, but its customers know the company for the great service and support it offers. Geico’s 97% customer satisfaction rate speaks for itself, as does its long list of honors, including the most desired insurer according to Kanbay Research Institute. You know, just in case the gecko isn’t enough to convince you that you want their insurance coverage.
Allstate was one of the rare car insurance companies ranked on every single one of J.D. Power’s regional customer satisfaction lists — and was No. 1 in Florida. Allstate prides itself on its scope of coverage and offers a host of discounts that, depending on your circumstances, could easily make it the most cost-effective auto insurance policy available for many motorists.
A giant in the insurance world with over 18 million customers, Progressive manages to attract and retain so many satisfied customers with a continued commitment to saving its customers money on their car insurance rates. Progressive was the first auto insurer to offer safe-driving discounts, which makes the company a great option for people with a good driving record. Even today, customers who switch to Progressive save an average of $699 per year.
7. Auto-Owners Insurance
Auto-Owners Insurance may not have the flashy marketing presence of the competition, but how many of them can say they’ve been around almost as long as cars have? Established in 1916, the company has nearly 3 million policyholders across 26 states. Its high rankings from J.D. Power might prompt you to check if it has coverage where you live.
Ranked the No. 1 auto insurer in California, Esurance in quickly making inroads around the country (the company operates in 43 states). A division of Allstate, Esurance promises customers that switching or signing up for car insurance can be as easy as possible, or “painless,” as the company puts it.
Users agree with the assessment, as reviews on the website call attention to how fast and easy it is to sign up, either online or with the Esurance app. And calling all introverts, you likely won’t have to talk with an insurance agent directly to get set up.
Operating globally, Liberty Mutual is the fifth-largest property and casualty insurer in the world. Still, the company makes it very clear that its business starts with you, and the first step in that journey is getting an insurance coverage quote.
Most insurers offer free car insurance quotes on their websites, but Liberty Mutual offers you a discount for using its own — you can save up to 12% off your rate by getting a policy quote online.
4. NATIONWIDE INSURANCE
With over 90 years covering drivers, Nationwide has learned a thing or two about what keeps customers happy (and in turn, what keeps them, customers). The company’s list of visions and values shows exactly where its priorities lie.
Among the many plans, Travelers offers is a car insurance coverage policy that you can customize based on your needs. Rather than upsell users, Travelers offers a host of resources (in the form of blog posts) designed to educate motorists prior to policy purchase. An informed customer is a happy customer.
A division of Liberty Mutual, Seattle-based Safeco has been in the car insurance business for over 85 years and has been a national presence for more than two decades. Safeco partners with local agents who can devote the time and attention that customers need in order to get all of their individual car insurance questions answered and requests met.
Judging entirely based on satisfaction, the United Services Automobile Association (USAA) would take the top spot in our rankings. What affects the USAA’s ranking is that its scope is narrower than those of most other auto insurers, as the company only offers coverage to servicemembers, veterans, and their families. That said, USAA offers prices that even beat Geico’s, with customers who switch save an average of $707 per year.