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The 10 Best Car Insurance Companies in the United States
No matter what type of vehicle you drive or where you go, it’s essential that you have auto insurance — and not just because it’s the law in 48 of 50 states. A car insurance policy protects you against property damage or bodily injury in the event of an accident. There are also policies that cover damage to one’s own vehicle for various reasons, incidents with uninsured or underinsured drivers, and medical expenses incurred due to accidents.
These costs can add up for an uninsured, or even underinsured motorist. Comprehensive coverage can help you control your personal expenses. Note that insurance generally does not cover wear and tear on a vehicle, damage sustained by drivers not listed on the insurance policy or driving under the influence, and engine damage resulting from an oil leak.
Sorting through car insurance companies and offers can be daunting. There are approximately 300 auto insurance providers in the United States, ranging from those operating nationwide to small businesses. It’s worth checking to see if you have well-researched statewide options in your area before committing to a national insurance company.
There are also a lot of things that go into an auto insurance policy. Factors such as personal injury liability, property damage and accident forgiveness play a role in quotes and rates. Understanding what goes into insurance coverage will help you make the best decision for your particular situation, but where do you start?
We help you find the best auto insurance coverage for you by narrowing down the list. We’ve selected the top 10 insurance companies nationwide, based primarily on audience satisfaction, as measured by the JDPower 2019 US Auto Insurance Study. The study measures five criteria: interaction, policy offers, price, billing process and complaints. 42,759 customers were surveyed from February to April 2019.
Geico, the top scorer overall, reported high levels of customer satisfaction in all regions of the country and made it the top auto insurer in the United States. cheapest car insurance (and a big premium is a big expense), which undoubtedly contributes to satisfaction.
That said, your costs will ultimately be determined by personal factors, such as where you live, your credit score (for the best rates, a score of 770 or higher is recommended), and the type of vehicle you drive, as well. than his age. The good news is that you can actually lower your insurance costs if you work on your credit score or maintain a safe driving record.
Five things to know before signing up for auto insurance:
1. What coverage does your state legally require of you? In most states, bodily injury and property damage liability is required to drive, but you’ll want to check the details for where you live.
2. What type of coverage do you want? Most companies order many different policies that cover a variety of damages and risks, so your first step should be to figure out your risks and how to offset them.
3. Which companies are the best? We have this covered in detail.
4. Shopping is important. Even the cheapest insurance company may not offer the best rates for someone in your situation. Likewise, you may want a more comprehensive plan that makes more sense at another insurance company.
5. Which payment plan is right for you? Some companies offer a variety of payment methods (for example, annually or monthly, or with electronic funds transfer), so you can figure out which one works best for you and then request it.
Before we get into the list, it’s worth mentioning that not all insurance companies have your best interests at heart. A Buzzfeed News report from August found that State Farm, Farmers and Erie Insurance are three of many insurance companies that have paid law enforcement to investigate their customers for fraud. All these companies have been excluded from this ranking.
| Company | JD regional average power (out of 1000) |
| Geico | 830 |
| Allstate | 826 |
| progressive | 818 |
| Automobile owners insurance | 841 * |
| Insurance | 836* |
| Liberty mutual insurance | 810 |
| At national scale | 808 |
| Travelers insurance | 818* |
| Safeco | 810 * |
| MetLife | 812* |
- *Not available in all regions of the United States. This affects the overall placement.
GEICO
GEICO Insurance
Geico’s clever advertisements ensure they remain one of the most well-known car insurance companies in the country, yet their customers know them for the excellent service and support they provide. Its 97% satisfaction rate speaks for itself, as does its long list of accolades, including Kanbay Research Institute’s Most Wanted Insurer. You know, just in case the gecko isn’t enough to convince you.
Allstate
Allstate Insurance
Allstate was one of the few auto insurance companies ranked on each of JDPower’s regional customer satisfaction lists and was #1 in Florida. Allstate prides itself on the breadth of its coverage and offers a host of discounts that, depending on your situation, could easily make it the most cost-effective option available to many motorists.
progressive
A giant of the insurance world with over 18 million customers, Progressive manages to attract and retain so many satisfied customers with an ongoing commitment to saving its customers money. Progressive was the first auto insurer to offer safe driving discounts. Even today, customers who switch to Progressive save an average of $699 per year.
Automobile owners insurance
Car owners’ insurance may not have the flashy marketing presence of the competition, but how many can say they’ve been around nearly as long as cars? Founded in 1916, the company has nearly 3 million policyholders in 26 states. Its high rating with JDPower might prompt you to check if it has coverage where you live.
Ranked #1 in auto insurance in California, Esurance is rapidly entering the country (the company operates in 43 states). A division of Allstate, Esurance promises customers that switching or buying auto insurance can be as easy as possible — “painless,” as the company puts it.
Users agree with the rating, as reviews on the website draw attention to the speed and ease of registration, online or with the Esurance app.
Liberty mutual insurance
Present throughout the world, Liberty Mutual is the fifth P&C insurer in the world. Yet the company makes it very clear that their business starts with you, and the first step in that journey is getting a quote.
Most insurers offer free car insurance quotes on their websites, but Liberty Mutual gives you a discount for using theirs – you can save up to 12% off your rate by getting a quote online.
National Insurance
With over 90 years in the chauffeur business, Nationwide has learned a thing or two about what makes customers happy (and, in turn, what keeps them, customers). The list of company visions and values shows exactly where its priorities lie.
Top ratings from a variety of outlets (such as AM Best, S&P, and Moody’s) suggest it works. These values also extend to employees – Nationwide was ranked No. 53 in Fortune’s most recent list of “100 Best Companies to Work For”.
Travelers insurance
Among the many plans offered by travelers is an auto insurance policy that you can customize to suit your needs. Rather than reselling users, Travelers offers a host of resources (in the form of blog posts) designed to educate motorists before purchasing the policy. An informed customer is a happy customer.
Safeco Insurance
Safeco, a Seattle-based division of Liberty Mutual, has been in the auto insurance industry for more than 85 years and has been present nationally for more than two decades. Safeco partners with local agents who can devote the time and attention customers need to get all of their individual auto insurance questions answered and inquiries answered.
Auto insurance may not be MetLife’s best-known offering, but the company’s coverage receives high marks across the country. Available through the MetLife Auto & Home division, the company’s plans are often offered at discounted rates through employers or affinity groups — up to $597 per year on average.
Disclaimer: The information in this article, including program features, program fees, and credits available through credit cards to apply to these programs, may change from time to time and is presented without warranty. When evaluating offers, please check the credit card provider’s website and review their terms and conditions for the most up-to-date offers and information.
