Your car is among the most important items you own. While some coverage features are probably required in your state, looking into some of the best car insurance companies and getting additional coverage could be the best decision you ever made.
The following car insurance agencies will ensure you and your family are always safe on the road. Keep reading to see what they have to offer, the national availability of their policies, and discounts you can use to save. Also, know that this is the selection of the best auto insurers you can find.
Best Auto Insurance Companies
State Farm
State Farm is more than just an insurance company. Besides its policies, State Farm offers other financial products, which might be the reason for the high satisfaction ratings from its customers. State Farm sold its first car insurance policy in 1922, and ever since, it has been helping people manage risks and recover from sudden events.
Key Features
- Collision coverage
- Comprehensive coverage
- Liability coverage
- Car rental
Geico
GEICO is an abbreviation for Government Employees Insurance Company. This organization was founded in 1936 and primarily targeted US government employees. However, today it’s among the best car insurance companies, and anyone can purchase GEICO auto insurance policies. At the moment, the company supports 17 million auto policies and insures about 28 million vehicles.
Key Features
- Bodily injury
- Property damage
- Uninsured motorist
- Collision insurance
Progressive
Progressive is among the largest insurers in the US. Still, it’s not a direct provider of its policies. The company was founded in 1937 when two men from Cleveland were first to offer basic insurance products. Progressive was also the first to introduce the drive-in claims locations, which is why it’s on our list of car insurance companies.
Key Features
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Underinsured coverages
Allstate
The Allstate Corporation provides multiple policies that help you insure your home, automobiles, lives, businesses, and other valuables. Allstate was founded in 1931, and now it’s a leading insurer that offers various insurance policies to customers from across the US.
Key Features
- Collision coverage
- Custom equipment
- Comprehensive coverage
- Roadside coverage
USAA
USAA is more than just an insurance company. It offers other financial services to its customers. However, its insurance policies are available to military members, veterans, and their families. Still, the company is known for its impeccable customer service, affordable prices, and comprehensive types of car insurance coverages.
Key Features
- Comprehensive coverage
- Collision coverage
- Liability
- Uninsured and underinsured coverage
List of the Largest Auto Insurance Companies – Reviews 2022
State Farm
Essential Features
- Collision coverage
- Comprehensive coverage
- Liability coverage
- Car rental
Additional Features
- Rideshare insurance
- Teen driver coverage
- Sports car insurance
- Classic car insurance
Overview
State Farm is one of the best insurers in the US that offers great auto insurance policies at competitive prices. With the State Farm mobile app, you also have access to some of the best deals, depending on your age and driving style.
Pricing Plans and Features
State Farm is among the top 10 auto insurance companies in the USA, meaning you might also pay the lowest price for your car insurance. The factors that affect your premiums are:
- Safety rating of your vehicle
- Your driving history
- Your location
- Credit history, etc
Based on the latest price comparison, State Farm’s car insurance policy might cost you about $597 for minimal coverage and up to $1,589 for the full coverage option. While this is the most affordable option you could find, State Farm also offers multiple discounts to help you save.
Discounts
For starters, State Farm offers the best car insurance for new drivers under 25 and deals such as Steer Clear and Good Student offer where you could save 15% and 25% of insurance, respectively.
Other discounts include:
- Bundling
- Drive Safe & Save
- Accident Free
- Multiple Auto, etc
Some of these discounts could get you up to 25% off of the cost of your policy. Consult with your agent about how to use all the available deals to score the best cheap car insurance.
Customer Support
If you face difficulties with your account, you can visit the Help page for answers. Unfortunately, this company could have better customer service reviews, as many policyholders aren’t satisfied with the service. Customers claim they receive no answer to their emails and no information about their claims.
Our Verdict
State Farm provides comprehensive coverage and a long list of discounts, and this is why we included it on our list of car insurance companies. What’s more, State Farm is ideal for younger drivers and for insuring classic cars.
Still, we believe that its customer support should improve. If you face difficulties with your policy, remain persistent in solving your issues.
Geico
Essential Features
- Bodily injury
- Property damage
- Uninsured motorist
- Collision insurance
Additional Features
- Comprehensive insurance
- Medical coverage
- Roadside assistance
- Mechanical breakdown insurance
Overview
GEICO is known for powerful car insurance policies and is among the best auto insurance company sites you can find. However, the company is not a direct provider of insurance. This might make the claiming process complicated, but GEICO is there to help you along the way, especially if you’re looking for great discounts.
Pricing Plans and Features
GEICO is also known for the lowest car insurance premiums in the industry. With GEICO, your annual premium might be only $1,268. Still, keep in mind that these rates are estimated and reflect the best car insurance for full coverage policy for drivers with good credit scores. Minimum coverage might cost you about $380/annually.
Also, note that not all discounts and offers are available in all states, so you might get offered a different deal with this. Regardless, there are many ways to save with GEICO car insurance.
Discounts
These are the discounts you’ll find at GEICO:
- Car insurance discounts – for good drivers with a 5-year accident-free history
- Senior driver discount – for drivers over 50
- Military discounts – special offers for service members
- Federal employee deals – premium reductions for federal employees
- Student driver discounts – for full-time students with
- Member and employee deal – over 500 organizations qualify for this deal
Student deals are also the reason GEICO is deemed as the best car insurance for college students, among other companies.
GEICO also offers a powerful mobile app where you can manage your policies and opt-in for a deal to check whether you’re eligible.
Customer Support
GEICO customer support is available via email, Twitter, live chat, or locally via an agent. However, the customer reviews are mixed. Some are highly satisfied with how GEICO treated them after an accident, while others claimed the company avoided paying out their insurance.
Our Verdict
If you’re looking for all types of car insurance cover policies, GEICO is definitely worth considering. Plus, its robust mobile app will help you quickly update policies and reach out to support. In addition, GEICO is a good choice for classic and collector car insurance policies.
Progressive
Essential Features
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Underinsured coverage
Additional Features
- Medical payments
- Loan/lease payoff
- Rental car reimbursement
- Custom parts and equipment value
Overview
Progressive is among the best auto and home insurance companies out there. It was the first to introduce toll-free, 24/7 car insurance and the first to sell its policies online in real-time. Additionally, it also has a Name Your Price feature for policy quoting for car insurance.
Pricing Plans and Features
As with other car insurance policies, several factors affect the final cost of your policy. Some websites note that the full coverage for good drivers with good credit scores costs about $1,562. On the other hand, your annual premium for the minimum coverage would be approximately $577.
Progressive is on the list of the best car insurance for new drivers over 25, and if the costs of its policies are too much for you, there are some ways to save.
Discounts
These are some of the discounts you might qualify for:
- Multi-policy – up to 5% off
- Multi-car – about 4% off
- Continuous insurance – varies
- Snapshot: safe driver discount – average savings of $146
- Teen driver – varies
- Good student – about 10% off
- Online quote – 7% off on average
- Automatic payment – varies
As always, there are more ways to save on your car insurance policy. For example, get the best car insurance for young drivers, avoid tickets and accidents, and keep a good credit score.
Customer Support
If you have any questions about your policies or trouble with your coverage, you can start a live chat with the support. The team is also available 24/7 via phone. If you wish to send an email, you’ll have to log in to your account. Unfortunately, the support reviews are poor, due to a lack of claim payouts.
Our Verdict
Progressive offers comprehensive car insurance policies that can also work out as some of the best classic car insurance policies in the market. What’s more, Progressive provides great ways to save and is used by millions of customers across the US. Plus, with its mobile app, you’ll always know the status of your claims and how much coverage you have.
Allstate
Essential Features
- Collision coverage
- Custom equipment
- Comprehensive coverage
- Roadside coverage
Additional Features
- Liability coverage
- Personal injury coverage
- Medical payments
- Uninsured/underinsured coverage
Overview
Allstate is among the best car insurance companies and the oldest insurers on the market. Besides the required coverage, Allstate can also serve you with specialty policies, like insurance for classic cars or coverage for a trip to Mexico.
Pricing Plans and Features
Allstate is among the expensive car insurance companies. Its annual premium for good drivers with good credit is approximately $2,381 for full coverage. If you’re looking for minimal protection, you’ll likely pay about $795.
The two basic types of policies you can get from Allstate are Drivewise and Milewise, which means Allstate offers one of the best pay per mile car insurance policies in the industry.
Additionally, Allstate car insurance comes with many discounts you can qualify for, so make sure to check them out with your agent.
Discounts
When it comes to discounts, Allstate offers two main discounts that bring additional savings – the New Car Discount and Teen Driver Discount, which means Allstate offers the best car insurance for 18 year olds. In addition, there are a few other available deals, such as the anti-lock brakes deal as well as the anti-theft device discount.
If you’re looking into purchasing a home insurance policy as well, ask your agent about bundling auto and home policies for additional savings. Other deals are:
- Early singing discount
- FullPay discount
- Safe Driving Club, etc
Customer Support
You can reach Allstate’s customer support by logging in to your account and asking for assistance or via a mobile app. There’s also a way to submit a ticket, and you can use the official Twitter account @Allstate to reach out.
Our Verdict
Allstate is among the best auto Insurance companies that you can consider for car insurance. The company has a long history of offering insurance policies, and millions of people trust it to secure their vehicles or homes. Allstate also has a great mobile app and provides you full access to your data and policies. Discount offers are also decent.
USAA
Essential Features
- Comprehensive coverage
- Collision coverage
- Liability
- Uninsured/underinsured coverage
Additional Features
- Roadside assistance
- Rental reimbursement
- Insurance for other types of vehicles
- National/international availability
Overview
When it comes to USAA and its car insurance, it’s the best company to look into for car insurance for veterans. USAA has reliable service at reasonable prices. Still, its insurance policies are only available to service members, their families, and veterans.
Pricing Plans and Features
The price you’ll pay for USAA car insurance depends on your deductible, age, and driving habits. According to some estimates, a 60-year-old driver with good driving habits could pay an annual premium of $1,114, while an 18-year old could pay over $3,000.
Since many factors determine your premium, the best course of action is to reach out to your agent and see whether you qualify for a discount.
Discounts
Being among the best car insurance agencies, USAA offers the following discounts:
- Student driver with good grades
- Clean driving record
- Garaging a car for a military installation
- New vehicle discount
- Loyal member deal, and more
To save even more, you could increase your deductible, drop collision and comprehensive coverage, or select a different car to insure. Don’t forget to ask about bundling your policies if you already own USAA home insurance.
Customer Support
USAA is one of the best car insurance companies that has a decent customer service score. Still, the latest customer reviews are poor. Users often complain about a poor experience. If you own USAA policy and face issues, start by talking to a virtual agent or call the company on the main phone number.
Our Verdict
USAA has comprehensive coverage and enough discounts to lower your premiums. However, its services are limited to military personnel, their families, and veterans. If you’ve been in the service and need car insurance, USAA should be the first company to consider.
How to Select the Best Car Insurance Site?
Insuring your car comes with many questions, and only the right company can answer them all. This is why you should browse and consider multiple options before finally signing the papers.
Know the Type of Coverage You Need
Some forms of car insurance coverages are required based on your location. The requirements vary based on the state, so asking an agent to explain these is the best thing to do. However, you might want to include additional coverage to be fully secured, and that’s also a smart move to make.
Check on the Discounts
The price might be the only thing that helps you decide on one insurance company. So ask yourself what the 10 best insurance companies that offer the best discounts are? Discounts are also crucial if you’re insuring your teen driver or desperately want expensive policy add-ons but currently can’t afford them.
Throw a Glance at Their Customer Support
When an accident happens, having someone to support you is crucial. This is why you should decide on an insurer that offers great customer support at all times – especially if you’re paying for roadside assistance coverage.
Consider the Price Range
Calculate how much coverage you need, including the discounts, and you’ll get your annual premium. Additionally, you can read some of the best car insurance reviews to compare the price range of other insurers.
Conclusion
Having a car means you should be a responsible adult and also get mandatory car insurance since you never know what might happen on the road. Luckily, there are many car insurance agencies out there that can help you select the right coverage.
Additionally, you can purchase car insurance even if you own a classic car or you’re a teen driver. The most important thing is that you and the people that ride with you are safe.
People Also Ask
What types of car insurance are required?
Some types of car insurance coverages are required by the state you live in, while others are optional. Liability coverage is mandatory, and it’s designed to ensure that drivers, passengers, and pedestrians who suffer damage don’t have to pay out of pocket.
State-dependent coverages include uninsured/underinsured motorist coverage and personal injury protection. Uninsured/underinsured motorist coverage makes sure that the damaged party is paid even when the driver doesn’t have enough coverage and personal injury protection pays for medical expenses.
How can I find the best price on car insurance?
There are several ways to get the most affordable car insurance. Don’t take just one company into consideration. Instead, contact as many as you can and let them calculate your rates. What’s more, most of the insurers will offer discounts to lower your premiums.
Since your credit score is a significant factor for your premium costs, make sure to keep your credit score in a good range. Finally, skip the coverages you don’t need and raise your deductibles.
Who actually has the best car insurance?
According to the latest reviews, GEICO offers the best car insurance on the market. GEICO is among the cheapest car insurers with a national availability and easy shopping experience. GEICO also has above-average customer satisfaction for auto insurance claims.
Additionally, GEICO has a powerful mobile app and a great website to explore all auto insurance coverage. GEICO is the second-largest auto insurance company in the US, and it also offers mechanical breakdown coverage.
What is the #1 car insurance?
Regarding the best car insurance policies, Erie shows up as the top choice you can make. It has the highest rating for claims service from collision repair professionals and high rates across multiple types of drivers.
What’s more, Erie has so many coverages to choose from, and it even offers auto glass repair, locksmith services, and other features to keep your peace of mind. In addition, you can rest assured that ERIE Rate Lock will keep your rates the same unless you make some changes.
Is AAA a good car insurance?
The AAA is usually only available to members, but different perks might get you willing to join. AAA offers insurance based on your region or state. Overall, its financial strength is excellent, but its auto insurance policies come from other regional insurers.
AAA also offers some of the mandatory and typically required insurance coverage, like bodily injury and property damage liability, uninsured/underinsured motorist, collision coverage, and comprehensive coverage. If you decide to join AAA and purchase auto insurance, you’ll also enjoy multiple discounts.
Who are the top 3 insurance companies?
If you’re looking for the top three insurance companies that offer auto insurance and other policies, you might see GEICO, USAA, and State Farm at the very top of the list. GEICO is the best option overall for your car insurance policy.
USAA is ideal for military members, veterans, and their families. Finally, State Farm is among the best car insurance companies that offers benefits for good driving habits.
