Best Car Insurance Companies in 2024 (Your Guide to the Top 10 Providers)

The top picks among the best car insurance companies are State Farm, Geico, and Progressive. These companies stand out for their robust coverage options.

Easily compare top car insurance companies online and find the best policy for you with our help. Everyone deserves the best coverage.

It’s important to revisit your car insurance options, especially if it’s been years since you last checked. Updating your coverage with the best providers could be worthwhile.

Start comparing car insurance rates now by entering your ZIP code into our free tool. Find the best coverage and company for your needs, whether you’re seeking affordability or award-winning service.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies. Learn more in our State farm car insurance review.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: State Farm offers various coverage options tailored for different business needs.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.

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#2 – Geico: Best for Coverage Options

Pros

• High Safe Driving Discount: Geico offers a 24% discount for safe drivers, one of the highest in the industry.
• Extensive Coverage Options: Provides a wide range of coverage types, including mechanical breakdown insurance.
• Fast Claims Process: Known for a quick and efficient claims resolution process. See more details on our Geico car insurance review.

Cons

• Customer Service Variability: Customer service quality can vary significantly by region.
• Pricing Fluctuations: Some customers report inconsistent pricing at renewal.

#3 – Progressive: Best for Customer Service

Pros

• Highest Safe Driving Discount: Progressive leads with a 28% discount for safe driving.
• Loyalty Rewards: Offers benefits like small accident forgiveness as part of its loyalty rewards program.
• Flexible Policies: Provides flexibility in customizing policies and choosing payment schedules. More information is available about this provider in our Progressive car insurance ieview.

Cons

• Higher Rates for Riskier Drivers: Rates can be significantly higher for high-risk drivers.
• Inconsistent Agent Experiences: Experiences can vary depending on the agent or representative.

#4 – Allstate: Best for Add-on Coverages

Pros

• Multiple Add-Ons: Allstate offers several unique add-ons, such as new car replacement and custom equipment coverage. Read up on the Progressive car insurance review.
• Safe Driving Club: Rewards safe drivers with discounts and other benefits through its Safe Driving Club.
• Effective Online Tools: Provides robust online tools and apps for policy management.

Cons

• Higher Premiums: Tends to have higher premiums compared to competitors.
• Complex Policy Options: Some customers find policy options and add-ons complex and difficult to understand.

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#5 – USAA: Best for Military Savings

Pros

• Dedicated to Military: Tailored services and discounts specifically for military members and their families. Check out insurance savings in our complete USAA car insurance review.
• Consistently High Ratings: USAA regularly receives high marks for customer service and claims satisfaction.
• Comprehensive Coverage: Offers comprehensive coverage that often exceeds competitors at similar or lower rates.

Cons

• Limited Availability: Only available to military members, veterans, and their families.
• Fewer Physical Locations: Limited physical branches which may affect those preferring in-person service.

#6 – Liberty Mutual: Best for Add-on Coverage

Pros

• Customizable Add-Ons: Offers extensive add-on options, including accident forgiveness and lifetime repair guarantee.
• Diverse Discounts: Provides a wide array of discounts, such as for hybrid/electric cars and good students.
• Strong Global Presence: Extensive support network and services available globally. Discover more about offerings in our Liberty Mutual car insurance review.

Cons

• Variable Customer Satisfaction: Customer satisfaction ratings can be inconsistent across different regions.
• Pricing Above Average: Some customers report higher than average pricing.

#7 – Nationwide: Best for SmartRide Program

Pros

• SmartRide Discount: Offers discounts for safe driving through its telematics-based SmartRide program.
• Wide Range of Products: Provides a broad range of insurance products, making it easy to bundle services.
• Strong Financial Stability: Maintains a strong financial status with high ratings from A.M. Best. Access comprehensive insights into our Nationwide car insurance discounts.

Cons

• Customer Service Issues: Some policyholders report less than satisfactory experiences with customer service.
• Claims Process: The claims process can sometimes be slower compared to industry leaders.

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#8 – Farmers: Best for Customizable Policies

Pros

• Highly Customizable Policies: Allows extensive customization of policies to fit individual needs.
• Proactive Claims Service: Known for proactive management and resolution of claims. Delve into our evaluation of Farmers car insurance review.
• Innovative Home Coverage: Offers unique home insurance options that can be bundled with auto for savings.

Cons

• Higher Cost: Generally more expensive than some other competitors.
• Complexity in Policy Management: Some users find managing their policies through online portals to be complex.

#9 – Travelers: Best for Comprehensive Coverage

Pros

• Broad Coverage Options: Offers some of the most comprehensive coverage options available. Unlock details in our Travelers car insurance review.
• Green Home Discount: Provides discounts for certified green homes and hybrid/electric vehicles.
• Excellent Risk Assessment Tools: Offers superior risk assessment tools to tailor coverage needs accurately.

Cons

• Higher Premiums for Some Policies: Premiums can be on the higher side for certain policies.
• Limited Discount Opportunities: Fewer discount options compared to other top insurers.

#10 – American Family: Best for Claims Service

Pros

• Focused on Claims Satisfaction: Emphasizes superior claims service and quick resolution. Discover insights in our American Family car insurance review.
• Bundling Options: Offers significant discounts for bundling auto with other types of insurance.
• Diverse Policy Offerings: Wide range of policy options catering to diverse customer needs.

Cons

• Geographical Limitations: Not available in all states, which can limit availability for some customers.
• Premium Variability: Some customers report variability in premium rates at renewal time.

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Comparative Monthly Rates for Leading Car Insurers

When assessing car insurance options, it’s essential to consider the monthly rates for both minimum and full coverage across various providers. The table below illustrates a comparison among top insurers, showing a significant range in pricing for both types of coverage. Learn more in our “Compare Monthly Car Insurance: Rates, Discounts, & Requirements.”

Allstate, Liberty Mutual, and USAA present varying rates with Allstate charging $61 for minimum coverage and $160 for full coverage, positioning it at a higher pricing bracket. On the other end, USAA offers the most competitive rates at $22 for minimum and $59 for full coverage, particularly favorable for military families.

Geico also stands out with remarkably low rates of $30 for minimum and $80 for full coverage, making it an appealing choice for budget-conscious consumers. Each company’s rates reflect their unique value propositions, catering to different segments of the market based on coverage needs and financial flexibility.

Compare the Best Car Insurance Companies in the Nation

You’ve seen the commercials: mayhem, disasters, flying pigs.

Flying pigs? Yep, according to Farmers

We’ve seen it and covered it.

What about your neighbors? Are you really in good hands? I haven’t seen any cavemen lately, but can I really save 15 percent with a ten-minute phone call?

Maybe. But which is actually the best? What are the 10 best insurance companies? We’ve got the complete buyer’s guide to who’s the best.

Check our car insurance comparison chart below to see how the biggest auto insurance companies measure up in four core categories: availability and rates, financial stability, reputation, and best company for you.

Car Insurance Comparison Chart

Here’s one important fact: the top 10 car insurance companies are licensed to operate in all 50 states except for American Family, Nationwide, and Travelers. Be sure and check out our company reviews if you are considering one of the companies above to see if it is available in your state.

The table below includes a list of the top 10 auto insurance companies, their average annual rate on a national scale compared to the national average, and their cheapest insured vehicle.

Read more:

• Liberty Mutual vs. USAA Car Insurance Comparison
• American Family vs. Safeco Car Insurance Comparison
• American Family vs. Safe Auto Car Insurance Comparison
• Amica vs. Nationwide Car Insurance Comparison
• Allstate vs. Safeco Car Insurance Comparison
• Allstate vs. State Farm Car Insurance Comparison
• Allstate vs. The Hartford Car Insurance Comparison
• AAA vs. Nationwide Car Insurance Comparison
• Geico vs. AAA Car Insurance Comparison
• Liberty Mutual vs. Travelers Car Insurance Comparison
• Progressive vs. Travelers Car Insurance Comparison
• State Farm vs. Liberty Mutual Car Insurance Comparison
• Compare Best Car Insurance Companies That Only Look Back Three Years
• Farmers vs. MetLife Car Insurance Comparison
• Farmers vs. The Hartford Car Insurance Comparison
• Farmers vs. Travelers Car Insurance Comparison

Although the table shows USAA and State Farm have the lowest premiums, that doesn’t necessarily mean you should choose one of them as your provider without doing further research.

USAA has the lowest prices, but the company provides insurance for military personnel and their family members only. If you’re looking for car insurance discounts for military members, USAA may be the best option for you.

If you aren’t affiliated with the military, State Farm may be your next choice. But again, our research has shown that location and carrier, not price, are the most important factors when deciding on an insurance company.

Other factors, such as the laws in your state, marital status, and credit history, also play a role in the cost of your rates. We will cover all of these factors in this article.

For the best car insurance companies by claim settlement ratio, keep reading.

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Compare the Best Car Insurance Companies by Financial Ratings

The future financial stability of a company can often be judged by its historic financial stability, especially in comparison to its top competitors. Also, third-party entities such as A.M. Best use an intricate algorithm to rate and predict the financial stability of a company.

The National Association of Insurance Commissioners (NAIC) releases an annual report that examines the financial stability of all car insurance companies. Here’s what you should look for:

• Direct Premiums Written: The total dollar amount in premiums received by an insurance company without any adjustments.
• Market Share: Indicates the degree (in percent) of market concentration in a line of business.
• Loss Ratio: A percent that represents the amount paid out on claims against what a company earns in premiums.

The table below shows these three figures for the top 10 companies in the car insurance market for 2018 and indicates whether they’re rising (↑), falling (↓), or remaining steady (~) based on NAIC data from 2015 through 2018.

Because loss ratios can fluctuate from year to year, the safest bet is if they stay in the 60-to-70 percent range. A loss ratio (or claim settlement ratio) lower than 60 percent shows the company is not paying out on enough claims. A loss ratio above 70 percent shows the company may be losing money, which long term can mean an increase in rates.

Read more:

• American Standard Car Insurance Review
• AXA Car Insurance Review
• BCS Insurance Car Insurance Review

Compare the Best Car Insurance Companies by Reputation

Saving money is nice, but what happens when you need to file a car insurance claim? When you’re looking for the best-rated car insurance companies, you certainly don’t want to rely on a company with a bad reputation when it comes to customer service.

When choosing (or changing) car insurance providers, it’s essential to examine the satisfaction of new customers and established customers who file a claim. Luckily, J.D. Power collects data on both.

J.D. Power is a well-known go-to source for customer ratings of all sorts. Over 40,000 participants complete their comprehensive surveys.

We share data here from two of their annual reviews: the U.S. Auto Claims Satisfaction Study and the Insurance Shopping Study.

J.D. Power uses Power Circle Ratings. These ratings are calculated based on the range between the highest score and the lowest score (per survey item) and place a company in that range with one to five circles.

Five circles = among the best; one circle = the rest. J.D. Power may assign one or more power circles to any company; however, they publicly announce and publish only those ratings that are two power circles or higher.

More circles of trust are shown to mean a higher level of customer satisfaction, which is suitable for everyone, including Greg.

This table shows J.D. Power Circles (and translates them) awarded in two categories: satisfaction of new customers and satisfaction of customers that file a claim. J.D. Power awards Power Circles in many other categories as well.

Read more:

• Car Insurance Companies With the Worst Customer Satisfaction
• Truck Insurance Exchange Car Insurance Review

The NAIC tracks official complaints about how car insurance companies do business. This agency calculates a complaint ratio for each company and compares it to the collective national complaint ratio.

The complaint ratio is determined by looking at the number of complaints per year per $1 million of premium earned by the total in annual premiums. In 2018, the collective national complaint ratio was 1.15; a rate lower than 1.15 is good, and one higher than 1.15 is not so good.

For example, USAA has some of the best rates in the country, and J.D. Power awarded them five Power Circles on handling claims. However, they have one of the highest complaint ratios, squeaking in right under the collective national complaint ratio of 1.15.

Progressive is in a similar situation, except J.D. Power awarded them three Power Circles on handling claims, though they are among the lowest in complaint ratio out of the top 10 companies.

 

Besides J.D. Power and NAIC, here are three other agencies that provide customer satisfaction ratings to help you choose the best company for your specific needs.

• Consumer Reports
• Better Business Bureau
• Consumer Affairs

Read more: Consumer Reports Car Insurance Recommendations

Take a few minutes to research companies you’re considering by using tools like these to get online quotes before you make a decision.

Finding the Best Car Insurance Company for You

Who has what you need?

We’ve looked at several factors that are crucial to choosing the best company for your insurance needs, and they are undoubtedly important.

But there are also things we can’t control when shopping around for auto insurance.

Like where you live, whether you drive an older vehicle, if you have multiple cars, or even if you have kids.

So let’s take a look at our list of the most important factors to consider when comparing car insurance companies.

Factors to Consider When Comparing Car Insurance Companies

Location location location!

You want to find a place that offers competitive prices and great service.

But sometimes, it boils down to dollars and cents. Are there ways you can save money?

Check out this table, where we’ve listed each company and the total number of car insurance discounts. We’ve also listed the highest percent discount, our opinion of what kind of customer it’s best for, and a link to our company review.

As you can see, depending on what you’re looking for, some companies may be a better fit than others.

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How to Choose the Best Car Insurance Companies

Choices.

There are many options when it comes to choosing car insurance. Here are some key questions to consider before getting a quote:

• Do I want to conduct business with an agent, a broker, directly with the provider, online, a national company, or a local company?
• What is the financial stability of each company, and what is their position for the future when it comes to market share, loss ratios, and third-party rankings?
• Which company offers the best discounts and rates for my situation and needs?
• How satisfied are customers of each company with its service and claims process?
• How many and what types of complaints have customers issued against each company?

We’ll spend a little time discussing some of these questions in greater detail in the next few sections. (For more information, read our “Should I buy car insurance through a broker or direct from the company?”).

Car Insurance Buying Options

We know cost is a huge factor in determining which company to choose. But let’s look at your personal preference: Do you conduct business online? Do you prefer to let your fingers do the walking? Or do you like to meet with someone in person?

Each of the top 10 companies varies in the services they provide through their agents, website, and mobile app. Some companies have more strengths in their agents, while others are almost entirely web or app-based. Some of these services include:

• Finding and contacting an agent
• Purchasing a policy
• Filing a claim
• Tracking a claim
• Paying or modifying your bill
• Storing electronic proof of insurance
• Accessing app chat or 24/7 phone services
• Requesting roadside assistance

J.D. Power provides ratings of company services such as agents, call-center representatives, and websites. Take a look at these ratings and see if they meet your needs.

Depending on what you’re looking for, different companies are more successful in some areas than others, as shown by the J.D. Power Circle ratings.

Read more: Best Car Insurance Comparison Websites

How Your Situation Affects Car Insurance Rates

When obtaining a quote from a car insurance company, the company will ask you a series of personal questions, which will be used to help determine the cost of your rates.

Insurance companies claim statistics show drivers with some of these characteristics as lower risk, but the numbers also make assumptions that are not always true about individual drivers.

In most states, there are nine factors that affect car insurance rates.

• Where you live: States (and sometimes cities) have specific laws about car insurance. Your state of residence is the most significant factor in determining your rate.
• Age: Insurance companies assume that, with more driving experience and maturity, we become safer drivers.
• Gender: In some cases, rates for males are higher than for females because of the assumption that men are more adventurous and willing to take risks.
• Marital Status / Homeownership: Insurance companies consider being married and owning a home both signs of stability and responsibility, so they assume that married homeowners carry less risk.
• Level of Education: Similar to marital status and homeownership, the assumption is that people with higher levels of education will also be more responsible and safer.
• Vehicle Year, Make, and Model: What you choose to drive makes a huge difference in your rate based on safety ratings, cost of repairs, and, sometimes, the amount of damage your vehicle can do to another car if in an accident.
• Credit Score: Along with education, marital status, and homeownership, your credit score can reflect how responsible you are.
• Driving Record: If you have a history of speeding tickets, accidents, or DUIs, you are considered a risky driver and will pay higher rates in most cases.
• Commute Distance: If you drive more, you statistically increase your chances of getting in an accident.

Okay, some of these factors make sense, but some of them may make you feel a little uncomfortable.

The good news is some states have outlawed some of the more discriminatory methods in calculating rates.

Here are a few examples:

• Determining rates based on gender has been outlawed in California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and parts of Michigan.
• Montana was one of the first states (1985) to outlaw determining rates based on gender and marital status.
• California, Massachusetts, and Hawaii have outlawed using consumer credit information to determine rates.
• A recent law in Michigan prohibits insurance companies from determining rates based on anything but driving record, age, the vehicle you choose to operate, and possibly location.

Given this decision in Michigan, it may not be long before other states pass such legislation.

Read more: Massachusetts Bay Car Insurance Review

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Car Insurance Discounts

Got discounts? How do you know unless you ask?

Companies offer discounts of up to 40 percent if you answer “yes” to specific questions. Be sure and ask your provider what car insurance discounts are available to you.

Laws and discounts vary by state and company, and we’ll spend some time looking at various discounts offered by the top 10 carriers in the nation.

Top Car Insurance Companies in the Nation

Which company has the best reputation and is inside your circle of trust? Who’s the best of the best? What is the highest-rated auto insurance company?

Four companies (Allstate, Geico, Progressive, and State Farm) have dominated the car insurance industry for the past 15 years. They are the top car insurance companies by market share. We researched NAIC’s website from 2004 onward and discovered an important fact:

In 15 years, these companies have gained a 10 percent market share, and now control over half of the market share for the entire car insurance industry.

Comparing market share in 2004 and market share in 2018 shows who was and continues to be the best.

Geico has shown the largest growth over this period, with over seven percent. Progressive has also shown an impressive growth spurt with just under four percent of the market. While State Farm and Allstate have lost market share with decreases of over one percent.

But, when you look at the period between 2013 and 2018, Geico is closing the gap in market share with State Farm, while Progressive continues to gain market share over Geico. Take a look at this chart for a visual representation of growth and rankings.

Currently, based on 2018 financials, State Farm is still in the lead in total direct premiums written. Allstate hasn’t lost any of its market shares but continues to trail behind Geico and Progressive in the current five-year growth trend. This chart visually represents the direct premiums written by the four companies over the same five-year period.

What sets these industry leaders apart from one another? There are a few key differences:

• State Farm is a mutual company owned by its customers, all shouldering risks and rewards equally.
• Geico offers internet-based policies dealing directly with customers, and they also partner with investors.
• Progressive offers both agents and internet-based policies.
• Allstate offers only an agent-based model.

It’s hard to say which business model is the best of the best, but, as the consumer, you have choices. Your individual needs and preferences will ultimately determine the best company for you. Compare the Best Car Insurance Companies by Region

If you plan to move a state or two over, up, or down, these tables may be helpful. Sometimes when moving out of state (even within the same region), your current carrier may not have the best rates.

In some cases, neighboring states have such cheaper car insurance, it may be more feasible to move there and commute to work or ride the subway.

We’ve broken down the 50 states into regions so you can take a quick look at the average rate of your current (or future) insurance provider.

Average Car Insurance Rates by Company in the Midwest

We’ll start with the Midwest. Take a look at this table to see the average annual rates by state.

Liberty Mutual has the overall highest average rate of $7,762 per year. In the Midwest, Michigan car insurance has the highest rates, where coverage by Allstate tops out at just under $23,000.

Read more: Compare Vermont Car Insurance Rates

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Average Car Insurance Rates by Company in the Northeast

Next, we’ll look at the Northeast. This table outlines average annual rates by state.

Read more: Compare New Hampshire Car Insurance Rates

Liberty Mutual has the overall highest rate of $5,952 per year. In the northeast, New Jersey car insurance has the highest rates, where coverage by State Farm leads the way with a yearly rate of $7,527.

Average Car Insurance Rates by Company in the Southeast

This table includes average annual rates for states in the Southeast part of the country.

Again, Liberty Mutual has the highest overall rate of $6,879 per year. In the southeast, Delaware car insurance has the highest rates, where coverage by Liberty Mutual tops out at $18,360.

Average Car Insurance Rates by Company in the Southwest

Take a look at this table for average annual rates for states in the Southwest.

Liberty Mutual has the highest overall rate of $6,874 per year, followed by American Family, whose average rate is $4,849.

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Average Car Insurance Rates by Company in the West

Finally, we’ll look at average annual rates for states in the Western part of the country.

Allstate has the highest overall rate of $4,161 per year. In the west, Nevada car insurance has the highest rates where coverage from Liberty Mutual leads the way at $6,202.

Compare the Best Car Insurance Companies by State

The state in which you live has a huge influence on your rate. Every state is different, and it usually has a lot to do with the laws.

For example, one dividing factor between 11 states and the remaining 39 is whether or not their laws are at-fault-based or no-fault-based.

Typically, no-fault states require drivers to purchase a certain amount of personal injury protection coverage (PIP), which is elective in most at-fault states.

Michigan has just passed historic legislation to overhaul its insurance systems completely. To read more about the insurance laws in your state, be sure and check out our comprehensive state guides linked in the table below.

Next, we’ll discuss insurance companies by rates.

Best Car Insurance Companies by Rates

It’s not just laws that can affect your rates. Many companies offer cheaper options, and some even advertise, “to pick and choose only the coverage you need.” Delve into our evaluation of “Does a negligent driving ticket affect car insurance rates?”

The following sections and tables show national-level rates for the top 10 auto insurance providers based on various demographics.

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Compare the Best Car Insurance Rates by Gender

Some states have outlawed car insurance rates based on gender, and other states now require a non-binary category when drivers obtain a quote. Discover insights in our “Average Car Insurance Rates by Age and Gender.”

We have removed teenage drivers from this table since their age more heavily influences their rates rather than their gender.

The numbers don’t lie: on average, males pay an average of an extra $80 per year for the same coverage as female drivers do.

Compare the Best Car Insurance Rates by Relationship Status

There is a difference in the cost of married car insurance vs. single car insurance.

We have removed teenage drivers from the table below since their age more heavily influences their rates rather than their marital status.

Female drivers pay more for car insurance, based on this data. Not all companies provide a discount for marital status, while Geico and State Farm have similar rates.

Compare the Best Car Insurance Rates for New Drivers

Teen car insurance is often expensive. Take a look at this table to see the average rates for teenagers and young adults.

If you have teen drivers in your household, Geico offers the least expensive coverage at $5,966 per year. Liberty Mutual charges nearly double that rate, so if the cost is a major deal-breaker, then they may not be the best choice.

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Compare the Best Car Insurance Rates for Adults Ages 20 to 30

This table provides data on average rates for drivers in their 20s and 30s by company.

Nationally, Geico, Travelers, and USAA (military-affiliated only) charge the least for covering single drivers in their mid-20s to mid-30s. Liberty Mutual has the highest rates at $4,231 per year.

Compare the Best Car Insurance Rates for Adults Ages 30 to 50

In this table, we outline the average annual rates for drivers between their mid-30s and mid-50s by company. Take a look.

Liberty Mutual charges more than $1,400 more than average for married drivers in this age range.

Compare the Best Car Insurance Rates by Adults in Their 60s

Take a look at this table for average annual rates for drivers in their 60s by company.

Nationally, American Family and State Farm charge the least for covering drivers 60 and older.

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Compare the Best Car Insurance Rates by Vehicle Type

Different vehicle types can mean differing insurance rates. Take a look at this table to see what we mean.

In all cases, a new sedan will cost you more for car insurance than a used model. The same goes for SUVs, except for Nationwide, which charges less for a used model. One could expect to pay higher premiums for their older or antique car insurance.

Read more: Compare Taxi Cab Insurance Rates

Compare the Best Car Insurance Rates by Credit Score

Who has the best rates for car insurance based on credit score? If you’re below 600, then companies may want you to pay more.

Check out the table below to see where your number lands for good, fair, and bad credit.

Liberty Mutual charges more than double for car insurance for customers who have poor credit versus those with good credit.

Compare the Best Car Insurance Rates by Driving History

If there’s one factor that insurance companies can use in determining rates that is non-discriminatory, it’s your driving record. Car insurance with a bad driving record will cost more. Finding the best car insurance companies after an accident requires a little more work, but it can be done.

The table below shows how much your rates can go up with just one speeding ticket, as well as rates for several other infractions.

Read more:

• Geico Defensive Driving Course Review: Compare Rates, Discounts, & Requirements
• Geico DriveEasy Review: Compare Rates, Discounts, & Requirements

Speed trap? Not only will you have to pay for the ticket, but there’s a good chance you’re trapped into paying more for your insurance. Progressive charges over $600 more for drivers who have a speeding ticket than those with a clean record.

More difficult to find are the best car insurance companies after a DUI. Some car insurance companies won’t work with you after a DUI conviction, and you’ll definitely see higher rates. However, it’s integral to compare rates after a DUI, or you’ll likely overpay for your coverage.

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Compare the Best Car Insurance Rates by Commute

In the case of commute distance, a shorter commute is considered 10 miles or 6,000 miles per year. A long commute is considered 25 miles or 12,000 miles per year.

Top 10 Car Insurance Companies: Rates by Commute

Insurance Company	Average Annual Rates for a Short Commute	Average Annual Rates for a Long Commute
Allstate	$4,841.71	$4,934.20
American Family	$3,401.30	$3,484.88
Farmers	$4,179.32	$4,209.22
Geico	$3,162.64	$3,267.37
Liberty Mutual	$5,995.27	$6,151.63
Nationwide	$3,437.33	$3,462.67
Progressive	$4,030.02	$4,041.01
State Farm	$3,175.98	$3,344.01
Travelers	$4,399.85	$4,469.96
USAA	$2,482.69	$2,591.91
Average	$3,910.61	$3,995.69

Rates are consistent with the top 10 companies, as there is less than a $200 difference between a short and long commute.

Compare the Best Car Insurance Rates by Coverage Level

Coverage level refers to the difference in cost of coverage based on minimum requirements (low coverage), slightly above the minimum (medium coverage), and well above the minimum (high coverage). Take a look at this table to see how coverage level can affect rates.

American Family rates are less than $50 between low and high coverage. Other companies like Nationwide and Geico charge less than $400 for the same low to high coverage.

If your car is a newer model or you want to make sure your family is fully protected in case of an accident, you may want to consider buying extra coverage.

The Best Company for Car Insurance

The best company for auto insurance depends on individual needs. Companies like USAA, State Farm, and Geico have the lowest average rates at an average of $230.41/mo, but may not be the best company for auto insurance for you.

• Before purchasing auto insurance, you must clearly define your insurance needs
• You must realize there are numerous insurance discounts available to you
• Do your research by reading reviews about the various insurance companies you are considering
• Use internet quote tools to ensure you are buying the best deal for your unique situation

When shopping for auto insurance, it’s natural to ask what is the best car insurance company. However, the answer will be different depending on a number of factors.

On one hand, you have the car insurance companies that dominate national market shares such as Geico, Allstate, State Farm, and Nationwide, but on the other hand, you have many highly rated companies that have smaller footprints or offer specialized types of coverage.

There really is no single best company for every driver. Keep reading to learn more.

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Figuring Out Your Insurance Needs

If you don’t understand what types of car insurance you need, how can you choose the best policy option? Learn about auto insurance and build a good base knowledge of the coverage you need before starting any search.

Most car insurance companies will ask for the same information, so make a list that’s easy to read and keep it handy.

Providing the same information to each potential car insurance company will make sure you are comparing apples-to-apples, as the quotes received will all be based on the same information.

Some of the most important details to have are:

• Names and number of household drivers
• Type of vehicle and VIN number
• List of vehicle safety features
• Estimated annual usage

Keep reading to learn more about car insurance discounts and other factors to consider when shopping for insurance.

Finding Car Insurance Discounts

This is very important since a lot of drivers assume they will receive lots of discounts by answering questions. But what if the agency representative does not ask all the right questions?

Learn what common car insurance discounts are available and make sure to ask any potential car insurance company about your eligibility.

From multi-vehicle discounts to good grades discounts for young drivers, a wide variety of discounts are available, and ultimately it is up to you to ask for them.

Compare the Best Car Insurance Companies by Customer Reviews

Car insurance reviews should be researched based on the experiences of people who have filed a claim.

Customer service is a big aspect of auto insurance, and you want to hear from people who have filed a claim, as the real test of an auto insurance company is when you have to ask them for money.

Anyone can write a check for rates, and most customer service representatives are pretty friendly; however, when it comes to using the coverage you have paid for, it’s important to know that the claims handling team is as cooperative as the division cashing your checks.

You may also want to look at industry rating agencies like A.M. Best, Standard & Poor’s, and J.D. Powers and Associates for financial and customer service ratings.

As we noted earlier these three agencies handle most of the awards and financial stability ratings in the auto insurance industry.

While very few of the big car insurance companies ever get a failing grade, and sometimes ratings can be a little difficult to interpret, it is still worth factoring this information into your decision process.

Readmore: Assurant Car Insurance Review 2023

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Why You Should Compare Rates

Your search for car insurance started out as a car insurance comparison search, so never take the first quote or accept a policy until you really have compared enough companies to make a qualified decision.

The best auto insurance company for you doesn’t have to be the winner of an award, just a reliable company with whom you feel comfortable. This can certainly vary depending on who you speak with.

Be sure to compare rates using our free search tool below.

Top-Rates Car Insurance Companies

Choosing a car insurance carrier is one of the most important insurance decisions you will ever have to make.

Larger insurance companies have a number of advantages over smaller ones. Large companies are financially stable and able to continue providing coverage through periods of economic boom and bust. Financial stability also means larger insurers are generally more reliable than smaller ones

If you listen to the advertisements, every car insurance company in the country would have you believe they offer the lowest rates and the best customer service. While all companies have strengths and weaknesses, some do have more of a claim on the top spot than others.

By taking a look at the largest insurance companies and those with the best customer service, we can try and determine the top insurance company in the country.

Enter your ZIP code into our free tool, and we will help you find the best car insurance for your needs by sending multiple car insurance quotes for free.

Compare the Best Car Insurance Companies by Size

Larger insurance companies have a number of advantages over smaller ones. Large companies are financially stable and able to continue providing coverage through periods of economic boom and bust.

Their large financial base also means they’re not going to suddenly change their premiums to make up for a financial shortfall.

Financial stability also means larger insurers are generally more reliable than smaller ones. Smaller insurance companies are also more likely to be bought and sold.

Large companies grew from small companies by offering what customers want. They offer reliability and stability and have developed the trust you need in your insurance provider.

Car Insurance Prices by Company Size

Many large companies are better able to compete on price as well. Although some small insurers try and undercut industry giants, they may raise their rates more quickly because their initial rate is unsustainable.

They may also struggle to offer the same level of responsiveness for claims and policy services because they have fewer resources with which to act.

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The Largest Car Insurance Companies

So who are the largest insurance companies? The five largest insurance companies by market share in are listed below:

1. State Farm: 16.14 percent
2. Geico: 3.78 percent
3. Progressive: 12.25 percent
4. Allstate: 9.33 percent
5. USAA: 6.01 percent

State Farm has been the largest insurance company for a long time, although it has lost market share to discount providers like Esurance.

However, once we look at the customer service scores, you’ll see why State Farm has maintained its position, despite losing a little bit of market share.

Why Customer Service is Important

When you buy insurance, it’s tempting to skimp on customer service. Car insurance customer service is very important, even though your insurance company is not a company you hope to interact with very often.

However, when you need your insurance company, you really need everything to go smoothly. An accident is expensive enough without your insurance company skimping on coverage or directing you to a disreputable body shop with low rates.

Finding the Car Insurance Company With the Best Customer Service

Companies with good customer service scores generally provide their customers with plenty of options and an easy buying experience. Many have individual agents rather than an online-based policy buying system.

These agents build relationships with customers and help explain what each type of coverage means and why a policyholder may need it.

Companies without agents, where customers buy entirely online, have struggled to match the customer service scores of those with agents.

A customer may eliminate coverage for something they really need while shopping online, not realizing they’ve done so until they have an accident.

Some insurers also offer lower default coverage limits, so a particularly nasty accident may exceed what the insurance company has agreed to pay.

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Car Insurance Companies With the Best Customer Service

Amica, a company that doesn’t even crack the top 10 of the largest insurance companies, received J.D. Power and Associates award for the highest customer satisfaction scores.

They had a top rating of “among the best” in all five of the ranked categories—overall satisfaction, policy offerings, pricing, billing, payment, and contacting the insurer. Learn how you can get Amica Mutual car insurance quotes here.

Smaller Companies and Customer Service

Several smaller companies didn’t do as well. Esurance, the discount insurer with the catchy commercials, scored poorly, as did 21st Century, another heavily discounted provider.

These two were the lowest, although several other discount providers also received low scores.

The only other company to do as well as Amica was USAA. However, USAA insurance is only open to military members and their families, and J.D. Power and Associates doesn’t rank companies with restrictions on membership.

Read more:

• Amica vs. AAA Car Insurance Comparison
• 21st Century vs. Amica Car Insurance Comparison
• Allstate vs. Amica Car Insurance Comparison
• American Family vs. Amica Car Insurance Comparison
• Progressive vs. USAA Car Insurance Comparison
• Allstate vs. Nationwide Car Insurance Comparison

The Best Large Car Insurance Company

The best of the large insurance companies is State Farm. It received high scores in overall customer satisfaction and how easy they are to contact.

They also had above-average marks in the rest of the categories including policy offerings, pricing, billing, and payment. Their network of agents provides a lot of support to their customers and a level of one-on-one service other companies struggle to match, which is only one of the benefits of choosing State Farm.

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The Top Insurance Company

By combining the largest insurance companies and their J.D. Power scores, it’s clear State Farm has scored well on customer service as well as being the largest insurance provider in the country.

The other large insurance companies had good customer service scores as well, so they’re all more or less in second place, just below State Farm

However, since all these insurance companies price things differently, you should make sure you shop around frequently to make sure you’re still getting the best price on your car insurance.

The best way to shop around for car insurance for free is to enter your ZIP code in our car insurance comparison tool.

More on Car Insurance Companies and Customer Service

Finding the cheapest car insurance for you can be done by (1) visiting third-party review sites, (2) looking at financial ratings, and (3) comparing quotes from multiple companies.

• The best car insurance company will depend on personal factors
• Finding the best car insurance company for you takes research
• Customer service and financial stability are important factors when choosing a provider

Everyone has his or her own preference, which is not likely to change unless there’s a major reason to do so.

The fact is, car insurance is a very personal thing for most people.

It’s not uncommon for an individual driver to stick with the same car insurance company throughout their entire life, especially if they’ve never had any difficulties with it.

You can see online car insurance rates right now by entering your ZIP code in our free tool.

What to Look for in a Car Insurance Company

As we noted earlier, determining who is the best insurance provider requires a serious evaluation of your needs and desires.

 For example, every insurance provider licensed to do business in your state will provide the legally required minimum coverage at a price comparable to their competitors.

But you must ask yourself whether or not you require more coverage than simply the state minimums. If you do, you’ll find that’s where most of the price differences begin to show up.

In terms of coverage, you should be looking for a company that will cover your needs at a price you can afford.

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What to Look for in Customer Service

Next to coverage and the bottom-line price, one of the other important factors to consider is customer service, as we’ve already discussed.

Hopefully, you never need to make a car insurance claim, but if you do, customer service turns out to be everything.

The last thing you need during the stress of an accident is to call your insurance company and be put on hold for an hour.

Look for a company that is responsive to your needs not only in a timely manner, but also with a friendly, courteous, and caring attitude.

A good place to investigate customer service is through online car insurance ratings sites such as Moody’s or Weiss Ratings as well as J.D. Power (which we’ve already spent some time discussing) and more.

Many of these sites rate companies according to several criteria, including customer satisfaction.

Just be careful of comparison websites that glean their information from user forums or other similar resources.

What to Look for in Financial Stability

In most cases, the financial stability of an insurance company won’t come into play. However, that’s not to say it’s never a factor.

There are some insurance companies that are financially unstable and may present a problem down the road.

The quickest and easiest way to find out where your insurance company stands is to visit the websites of some of the leading financial services rating companies.

Two examples of these types of companies are A.M. Best and Standard & Poor’s.

These companies rate the financial strength and future outlook of insurance companies, banks, and other financial institutions, based solely on hard numbers and forecasts by financial experts.

Everything Else You Should Know About Car Insurance

At the end of the day, whether you’re looking at the top 50 car insurance companies or the top 5 car insurance companies, the best insurance companies are the ones who can provide you with the appropriate coverage, customer satisfaction, and future stability you need.

Finding these companies requires that you do your homework before making a decision.

So ask friends and family, search online, and find out as much information as you can. Doing so will increase your chances of finding the right car insurance company for you.

Get car insurance quotes from America’s best auto insurance companies by entering your ZIP code right now.

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The Major Car Insurance Companies

When you’re looking at top-rated auto insurance companies, it’s a good idea to learn more about the major car insurance companies. Some of the factors to consider include:

• A company’s market share, which is the measure of how much of the total market a single company holds
• A smart driver will always compare quotes to find the best insurance deal for his needs

Most of the major car insurance companies appear on the Fortune 500 list, but an appearance on the Fortune 500 alone is sufficient only for identifying large companies (small car insurance companies don’t typically show up on the list).

That list is not useful for ranking car insurance companies in the order of the major car insurers.

Therefore, the car insurance companies identified here as the major companies serving the broader national market are identified and ranked according to market share.

Enter your ZIP code in our car insurance comparison tool to get free auto insurance quotes.

Market Share of the Largest Car Insurance Companies

In 2010, State Farm’s national market share was 18.7, meaning that it writes 18.7 percent of all of the car insurance policies written across the entire country.

Ranking companies by market share means State Farm is at the top of the list.

The top ten best car insurance companies in terms of market share wrote 68.2 percent of all of the car insurance policies across the country.

Companies near the end of the list that have a market share of around only two percent still write plenty of car insurance policies.

As an example, at the beginning of 2011, there were 254,212,610 registered highway vehicles in the United States. A two percent share of that huge market equates to more than five million policies.

A car insurance company with only a two percent share of the market is still a large company. Keep reading to learn more about the 10 largest insurance companies in the country.

#1 – State Farm Insurance

State Farm is the leader in the U.S. market, with a market share of 16.14 percent. Revenues decreased from $81.7 billion in 2018 to $79.4 billion in 2019.

State Farm provides many benefits when a consumer chooses them for auto insurance.

Although the biggest player in the auto insurance arena, State Farm will still take on car insurance for high-risk drivers with less-than-perfect driving records

In an auto claims satisfaction study by J.D. Power, State Farm ranked sixth compared to many of the other large insurance providers. This insurer ranks higher marks for its insurance claims process and customer service.

State Farm has a local insurance agent in almost every city, so you receive more personalized attention than you do with Amica.

The NAIC analyzed the complaints filed with state insurance regulators and concluded that State Farm was at fault for denying claims unfairly at a rate far lower than the average insurance company.

Check out this more detailed State Farm car insurance review.

Read More: Traits of the Worst Car Insurance Companies

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#2 – Geico

The second-largest car insurance company in terms of market share, Geico, has been a part of Warren Buffett’s Berkshire Hathaway company for several years.

Revenues in 2019 to $35.57 billion from $33.63 billion in 2018.

Check out our Geico car insurance review for more information.

#3 – Progressive

Progressive’s revenues increased from $31.98 billion in 2018 to $39 billion in 2019.

Much of that increase may be attributed in part to Progressive’s extensive advertising.

If you want more information, look into our Progressive car insurance review.

#4 – Allstate

In second place with a 10.2 percent share of the market, Allstate is actually larger than State Farm in terms of total revenue. Its revenues in 2018 were $39.82 billion, which increased in 2019 to $44.68 billion.

The difference in revenues between the top two companies reflects the numbers of policies sold, not any price differences in policies.

Check out our Allstate car insurance review if you want to learn more.

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#5 – USAA

USAA’s revenues totaled $31.4 billion in 2009, with an increase to $35.6 billion in 2019.

Those who are in the armed services should without a doubt look into the United Services Automobile Association or USAA. The clients of USAA are delighted with the pricing, claims, customer service, and car insurance discounts for military members provided by this carrier.

J.D. Power and Associates rank them very high in these areas as well. The company is very strong financially, scoring the highest levels in the following five independent financial rating services:

• Fitch Ratings
• Moody’s
• A.M. Best
• Standard & Poor’s
• Weiss

Their complaints are equal to or better than the average auto insurance provider as well.

Take a look at our USAA car insurance review to learn more.

#6 – Liberty Mutual

One of the oldest car insurance companies, Liberty Mutual was founded in 1912.

It collected revenues of $41.57 billion in 2018 but increased total revenues to $43.2 billion in 2019.

You can learn more about this company by reading our Liberty Mutual car insurance review.

#7 – Farmers

Founded in 1928, Farmers Insurance Group is an old company. Farmers increased its total revenues to $19.91 billion in 2019.

See our Farmers car insurance review for more detailed information.

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#8 – Nationwide

Nationwide is one of the smaller car insurance companies in terms of revenue, despite being founded in 1926.

Nationwide also has been advertising extensively over the past few years, and they have a market share of 2.47 percent.

See what Nationwide car insurance discount programs are offered.

#9 – American Family

American Family Insurance, founded in 1927, increased its revenues from $10.2 billion in 2018 to $12.2 billion in 2019.

As one of the United States’ top ten biggest car insurance companies, American Family holds its own in regard to customer reviews and complaints.

In regards to customer complaints, the BBB gives it a very high mark of A+ for handling these issues in a fair, prompt, and above-board manner.

Individuals in higher tax brackets seem to think highly of American Family insurance and rate the company well year after year.

According to J.D. Power and Associates, the company does an excellent job of handling claims expeditiously and paying out quickly.

It is a financially strong and stable company and ranks above the national average in regards to not being at fault in regards to customer complaints put before them.

See our American Family car insurance review to learn more.

Each car insurance company has its own personality and pursues different types of drivers.

Every driver should compare quotes from several companies to find the lowest price for what fits their own situation.

#10 – Travelers

The Travelers Insurance Company that exists today is one that was founded in 1853.

However, its revenues increased 4.8 percent between 2018 and 2019.

Read more details on this company on our Travelers car insurance review page.

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How Car Insurance Company Reviews Help You

When you’re shopping for an insurance company, whether you’re considering one of the big ten or looking specifically for the best car insurance in Washington, reviews of the companies are a good way to do some research. Some considerations when looking at reviews include:

• Insurance rating companies’ websites are a great source for accurate reviews
• Reviews can span from being objective to highly emotional, so be discerning
• A good review vs. a bad review makes all the difference for the auto insurance company and how it is viewed by its customers

Since there are so many insurance companies in the industry, you may benefit from reading major car insurance company reviews. These reviews are written to inform you of the many aspects of this arena. This is a way to go beyond quote comparisons and look at the total insurance company for comparisons.

Read more: Compare Washington DC Car Insurance Rates

This is important since you are required to carry car insurance on your vehicle in most states in the U.S.

Major car insurance company reviews include information that will educate you on choosing a good and reputable company.

Some people may suggest a friend or family member’s recommendation. Although this type of recommendation is a good suggestion, provided this referral is in the same state, sometimes you may not receive the service you expected.

People usually have the best intentions when they offer you a referral of any kind. If they had a good experience, they want you to have the same experience.

Unfortunately, these good intentions sometimes backfire, and you may end up having a totally different experience from that of your friend or family member.

Find reviews and start comparison shopping today by entering your ZIP code in our free online tool.

Information in Car Insurance Reviews

When you are in the market for car insurance, your needs may be very different from somebody else’s needs. Your family makeup and all the other categories that factor into a car insurance rate may be entirely different.

Major car insurance reviews usually contain the lines of insurance that the company offers, whether it is a large, medium, or small company, and the average capital the company earns.  Unlock details in our “Cheap Car Insurance Companies That Beat Quotes.”

These reviews also contain the company’s rating with the most reputable insurance rating companies in the industry such as:

•  A.M. Best
• Standard and Poor’s
• Moody’s

Recall that we’ve noted these companies as good options in previous sections. Company ratings are typically noted in grade form.

For example, most major car insurance companies have an “A++” or similar rating if they are solvent.

A company’s solvency is indicative of its financial strength and ability to pay its policyholders’ claims. If the company’s future business projection does not look promising, the rating companies will give it a lower grade and offer an explanation.

A company’s grade also indicates whether or not it has a good standing in the community it serves.

Major car insurance reviews usually inform you of the types of plans they offer. The review will mention the required types of coverage for the states in which the company serves. If the company offers coverage for vehicles such as motorcycles or boats, the review may mention that as well.

 

The majority of major car insurance reviews are written by policyholders and persons involved in an accident with a policyholder. These reviews are of most interest to the average consumer because they want to know the kind of service the average person receives from the company.

These reviews normally explain the details of a particular incident.

Reviews written by insurance writers are more objective, and these are the ones that contain the most information about the company. If the writer is objective, they may even include information about court cases that involve major car insurance companies.

If the company demonstrates a pattern of unethical practices and claims denials, its actions are usually made manifest in lawsuits, which are matters of public record.

Benefits of Car Insurance Reviews

Major car insurance company reviews are beneficial to the insurance industry because they make big corporations accountable to the public. There was a time, before the Internet when these practices went unnoticed for a longer period of time before they were made public.

It also helps the consumer make educated decisions about who they may consider doing business with.

Reviews are also beneficial to the insurance companies, especially those who have good intentions, and proof of it is expressed in customer and insurance writer reviews.

There are no derogatory cases settled or pending that involve ethical companies. If there was a lesson to be learned, the company learned its lesson and is proving it by keeping its business out of the justice system.

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Disadvantages of Car Insurance Company Reviews

For the most part, the disadvantages of major car insurance company reviews fall on the insurance company. If there are too many consistently negative customer and insurance writer reviews, the company stands to lose business.

Bad reviews are a fair disadvantage if the company is guilty of faulty practices.

There may be a couple of isolated incidents when a consumer or person involved in a serious car accident may post angry words online. However, a rational person can judge when someone is angry and emotional in a post.

Ultimately, major car insurance company reviews carry no disadvantage to the consumer, who should have the advantage when it comes to spending their hard-earned money.

Compare the Best Car Insurance Companies Today

Now that you have all of this information on the top 10 car insurance companies, are you ready to go your separate ways with your insurance provider?

Remember when you’re shopping for a new insurance company, you should compare rates, look at company ratings for both customer satisfaction and financial stability, and company reviews.

Remember, where you live is the most significant factor in determining what your car insurance rates will be.

Before you go, use your ZIP code to get a free quote so you can start comparing rates today to make sure you get coverage from the best insurance company for your needs.

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