Top Car Insurance Companies in USA
Car Insurance Companies in America Car insurance companies offer their customers more than just the coverage they want at a reasonable price, they provide a customer-centric experience, from quotation to claim, as well as a hassle-free way to manage policies and make payments.
We looked at rates and discounts, ease of application, site transparency, complaint statements from the National Association of Insurance Commissioners, and more to determine the best auto insurance companies.
[the_ad id=”2615″]
The best car insurance companies in America
Auto insurance companies in America
The following companies received 4.5 or 5 stars out of 5 in NerdWallet’s analysis of the best auto insurers in the United States:
America 5/5
NJM 5/5
Shelter 5/5
Texas Farm Bureau Insurance 5/5
Allstate 4.5/5
American Family 4.5/5
Auto-Owners 4.5/5
Chubb 4.5/5
Series 4.5/5
Farmers 4.5/5
Geico 4.5/5
The Hanover 4.5/5
Liberty Mutual 4.5/5
Progressive 4.5/5
Safety 4.5/5
State Farm 4.5/5
Travelers 4.5/5
USAA 4.5/5
[the_ad id=”2615″]
Read more:
- Top 3 Car Insurance Companies 2023
- How Financial Planners Can Advance Equality
- The Best Life Insurance Companies
- The Best Way To Earn Money Online Is Paypal
Note: *USA is only available to military personnel, veterans, and their families.
** Not all insurance companies are available in all states.
Find the best car insurance company for you
Rates and discounts were part of every insurance company’s score, but we know that cost is the number one factor for many auto insurance shoppers. Because pricing depends on personal factors including your age, location, car history, credit, and (in most cases) gender, it’s important to consider auto insurance quotes.
If price is the most important factor in your search, then comparing car insurance rates can help you find the cheapest rate. However, your shopping experience will also shed light on the company’s customer service standards.
[the_ad id=”2615″]
To find the best car insurance companies:
Visit the state insurance commissioner’s website to find complaints and other information about companies in your area.
Ask your agent or customer service representative to make sure you get the coverage you need.
Think of the smaller auto insurance companies, they offer much lower rates than the big competitors in many locations.
If you have fines or violations, be sure to seek out insurance three and five years after the accident, when additional fees can drop significantly.
And just in case you want to take a look at rates, scroll to your state below and compare the average rates from the three cheapest car insurance companies in several categories where you live.
More about the best car insurance companies in America
A larger company may not necessarily mean a better customer experience. Smaller local insurers like NJM and Erie make the cuts, while some of the largest companies in the US (including Nationwide) aren’t on our list.
Auto insurance companies in America
Amica
Rating: 5/5
Amica Insurance sells auto insurance in 49 states. In the 2020 JD Power Studies, Amica ranked first for overall satisfaction in the New England region, and eighth among 12 midsize insurers for insurance shopping satisfaction.
JD Power Amica also ranked No. 2 for the overall satisfaction of motor vehicle claims in 2020.
If you have to go through the claims process, you may not see an increase in your rates. Customers who opt for certain upgrades can earn Advantage Points for driving well, renewing a policy, and referring other drivers. These points can be used to maintain your current rate after an accident.
Amica also offers a free windshield repair, a free lock replacement, and a free airbag repair.
NJM
Rating: 5/5
Despite its name, New Jersey Manufacturers Insurance is not limited to one state. The company offers auto insurance to drivers in Connecticut, New Jersey, and Pennsylvania.
NJM has also received high scores in the J.D. Power Customer Satisfaction Studies:
Ranked #1 in the 2020 Automotive Claims Satisfaction Study, the most recent study available.
Ranked third out of 14 insurers in the Mid-Atlantic region in the 2020 US Auto Insurance Satisfaction Study, which measures overall customer satisfaction.
You can get all the standard auto coverages from NJM, along with add-ons, including new car replacement coverage for cars with less than 15,000 miles, and pet coverage, which pays vet bills if they’re injured in a covered car accident.
You can also add gap insurance to help pay off your auto loan if your car is stolen or totaled.
[the_ad id=”2615″]
Auto insurance companies in America Shelter
Rating: 5/5
Shelter Insurance sells policies in 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.
Shelter ranked third among 14 insurers in the central region in JD Power’s 2020 US Auto Insurance Satisfaction Study.
Shelter’s new vehicle policy includes new car replacement insurance, which will pay for a new car if your first-year vehicle has less than 15,000 miles.
Several discounts are available, including discounts for drivers who are at least 48 years old and have another eligible Shelter policy.
[the_ad id=”2615″]
Texas Farm Bureau Insurance
Rating: 5/5
Texas Farm Bureau Insurance operates in one state, and purchasing coverage requires a Farm Bureau membership, which typically costs $35 to $50 per year. This gives you access to the cheapest insurance
for cars in Texas.
Texas Farm Bureau Insurance was ranked the best auto insurance company in Texas in JD Power’s 2020 US Auto Insurance Satisfaction Study.
Texas Farm Bureau Insurance gives students a discount on good grades, gives homeowners a discount on collections, and gives anyone a discount for being able to etch a Vehicle Identification Number (or VIN) onto their windshield to deter theft.
Allstate auto insurance companies in America
Rating: 5/5
Allstate operates in all 50 states and in Washington, D.C.
Ranked 4th among Big 8 insurers for customer satisfaction with insurance purchases, and 1st for overall satisfaction in Florida, in the 2020 JD Power Studies.
It also ranked #8 out of 24 companies with average customer satisfaction scores in 2020.
Allstate offers discounts to drivers in some states who use the company’s telematics program, a system that tracks how safe driving is. You can get discounts for being a diligent student, driving a new car, and being paperless. Allstate also gives you a rebate on your deductible if you enroll in the Optional Deductible Rewards program, which reduces your out-of-pocket expenses when you have an accident.
[the_ad id=”2615″]
American Family car insurance companies
Rating: 4.5/5
American Family Insurance operates in 19 states, primarily throughout the Midwest and Pacific Northwest.
It was ranked third out of dozens of midsize insurers in terms of satisfaction with the insurance shopping experience, and first in overall satisfaction in the Southwest region, in JD Power’s 2020 Customer Satisfaction Studies.
American Family ranked #17 out of 24 companies in terms of auto insurance claims satisfaction in 2020.
They offer a range of discounts for drivers in some states, including for loyalty, completing a defensive driving course, and for out-of-school students.
The company also has driving monitoring apps, allowing good drivers to get discounts.
Auto insurance companies in America Auto-Owners
Rating: 4.5/5
Auto-Owners insurances are available in 26 states.
This company was ranked fifth among 12 medium-sized insurance companies for customer satisfaction with insurance shopping, and first in terms of overall satisfaction in the central region, in the 2020 JD Power studies.
Auto-Owners was ranked 3rd out of 24 companies for customer claims satisfaction in 2020.
Drivers in some states can get discounts for multiple car insurance, pay premiums on time for 3 years and take out a life insurance policy with the company. Auto-Owners also has an app to track your driving. Good drivers can get a discount for avoiding hard braking and sharp turns, among other safe behavior.
\
[the_ad id=”2615″]
Chubb
Rating: 4.5/5
Chubb Insurance specializes in high-end coverage for well-to-do families. The company has offices in 35 states and Washington, DC.
Chubb isn’t trying to be the cheapest car insurance company, it’s trying to be a car insurance company with a touch of luxury.
Rent payment comes with a whopping cap of $15,000. The coverage will pay the cost of repairing your car with original manufacturer-made parts. And you can even get extra high liability limits of up to $10 million.
Car insurance companies in America Erie
Rating: 4.5/5
Erie Insurance offers auto insurance to buyers in 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin, plus Washington, DC.
Erie has received strong ratings in JD Power’s customer satisfaction studies, coming in second out of dozens of midsize auto insurers in the 2020 US Insurance Shopping Study, which measures satisfaction with the auto insurance shopping experience.
It was also ranked second out of 14 companies in the Mid-Atlantic region, second out of 17 insurers in the Southeast region, and third out of 20 in the North Central region in the 2020 US Auto Insurance Satisfaction Study. And seventh out of 23 companies nationwide in the 2020 Automotive Claims Satisfaction Study.
When you buy Erie insurance, you can lock in your rates until you change drivers, cars covered, or your home address. Erie offers New Vehicle Protection for cars less than 24 months old, and lease payment coverage comes standard with comprehensive coverage in most states. Accident tolerance is available after 3 years with the company.
Farmers
Rating: 4.5/5
Farmers Insurance is the 7th largest auto insurer in the United States
And in the 2020 US Insurance Shopping Study conducted by JD Power, Farmers ranked sixth among eight large insurers in customer satisfaction with the insurance shopping experience. It was also ranked 10th out of 24 companies for customer satisfaction with the claims process in 2020.
You can get discounts for collecting multiple policies, being a good student, or being a member of certain professional groups.
[the_ad id=”2615″]
Geico
Rating: 4.5/5
NerdWallet rating
Geico is one of the most popular auto insurance companies in the United States, operating its auto insurance business in all 50 states and Washington, DC.
Ranked first among large insurance companies for insurance shopping experience, and first in terms of overall satisfaction in the North Central and Northwest regions
Baya and Southwest, in JD Power’s 2020 Customer Satisfaction Studies.
It was ranked 11th out of 24 companies in terms of satisfaction with the claims process in 2020.
Geico is stacking up with discounts, giving drivers in some states a few bucks for everything from clean driving records to good grades. Federal employees also get discounts, as do veterans, military personnel, and reservists.
As for coverage, you can get all the basics plus mechanical breakdown coverage, which helps pay for repairs to newer, low-mileage cars.
The Hanover
Rating: 4.5
If you’re looking for an auto insurance policy with built-in add-ons, you might want to consider The Hanover. This company offers both home and auto insurance in 27 states and Washington, DC. It received fewer auto insurance complaints than expected, and it has a variety of coverage options.
Hanover offers the usual car insurance coverage, but they also have customizable packages that include additional perks. These packages come in two tiers and different price points. Extras include key replacement coverage if you lose your keys, child car seat replacement up to $300, and coverage that pays for a rental car if you are unable to drive your own.
Auto insurance companies in America Liberty Mutual
Rating: 4.5/5
Liberty Mutual is one of the largest insurance companies in the country, with an extensive list of coverages and deductibles.
It is the only company to offer both gap insurance and new car replacement coverage out of the top 6 new car insurance companies, and it pays for a new car if it has less than 15,000 miles in the first year. The company also provides a unique benefit for teachers, as they can get free auto insurance such as collision and personal property insurance and protection against losses from vandalism in some states.
Liberty Mutual ranked 5th out of 8 large insurers for customer satisfaction with insurance purchases in the 2020 JD Power Study. It also ranked 14th out of 24 companies for customer claims satisfaction in 2020.
Liberty Mutual offers more discounts than other major insurance companies, other than American Family. For example, drivers can save by paying their bill online, driving a hybrid or electric car, and owning a home.
[the_ad id=”2615″]
progressive
Rating: 4.5/5
Progressive Insurance operates in all 50 states and in Washington, D.C., so you can get it no matter where you live.
The company ranked seventh out of eight large insurers for customer satisfaction with the insurance shopping experience in the 2020 US Insurance Shopping Study conducted by J.D. Power.
It was also ranked 21st out of 24 companies for customer satisfaction with the claims process in 2020.
Progressive has different features and options depending on your situation. More interesting additions include pet injury protection, which is included with collision coverage, and a “bank savings” deductible, which lowers the $50 deductible per claim-free policy period to at least $0.
Safety
Rating: 4.5/5
Safety is only available in Maine, Massachusetts, and New Hampshire, and has very strong customer service.
The company receives fewer consumer complaints to government regulators than would be expected for an insurer of its size.
You can customize your car insurance with the Safety Shield package which may include comprehensive windshield coverage, a collision waiver, emergency road travel expenses and other add-ons, depending on where you live.
In Massachusetts, optional insurance may include an accident waiver or coverage for riding a pet in the car with you. You can also add gap insurance to pay off a loan or lease if your car is beyond repair, in all three states.
Safety offers a variety of ways to save, including discounts for bundling multiple policies, having policies delivered electronically, or having a student get good grades on a policy.
State Farm
Rating: 4.5/5
As the nation’s largest personal auto insurer, State Farm covers all 50 states and Washington, DC.
The company ranked third among eight large insurers for customer satisfaction with insurance purchases, and first for overall satisfaction in New York and the Mid-Atlantic region, in the 2020 JD Power studies.
It was also ranked sixth out of 24 companies with average customer satisfaction scores in 2020.
State Farm offers discounts to drivers in some states for owning multiple cars, being good drivers, and being diligent students. They have a safe driving app that you can download to your phone or through OnStar. And you can get a discount by following the rules and driving wisely.
[the_ad id=”2615″]
Car insurance companies in America Travelers
Rating: 4.5/5
Travelers Insurance operates in 42 states and Washington, DC.
It was ranked 8th among eight large insurance companies in terms of customer satisfaction with insurance purchases and ranked 19th out of 24 in terms of customer satisfaction in 2020, in the 2020 JD Power Study.
This company offers possible discounts in some states for using the company’s telematics software, a system that tracks your driving.
Optional plans provide amnesty for one accident and one minor offense every 36 months, so your rates don’t go up after an accident.
consolidation companies
Yen on cars in America
USAA
Rating: 4.5/5
Although USAA sells insurance in all 50 states and Washington, D.C., it is only available to military personnel, veterans, and their families. For these qualified clients, USAA often offers cheap rates.
This company consistently scores highly in JD Power studies regarding claims and overall customer satisfaction.
They offer many discounts, including some for military drivers. For example, you can get a discount for keeping your car in a garage on a military base. You can also get more general discounts in some states for taking defensive driving courses, earning good grades, and securing a new car.
Conclusion:
Top auto insurance companies based on financial strength, customer complaints, and other consumer-friendly factors:
Amica
NJM
Shelter
Texas Farm Bureau Insurance
methodology
Ratings are based on weighted averages of results in several categories, including financial strength, consumer complaints, website transparency, and affordability. Customer satisfaction surveys are also taken into account.
jan rated days jun health industry quote independent february ribbon picks view future survey providers motorcycle mercury products offering agents kaya norman Bankrate pros