Review the top 10 of the most popular auto insurers in the United States and find out which one is best for you to keep your car protected at all times.
Best Auto Insurance Companies in USA
- Auto-Owners Insurance
- Liberty Mutual Insurance
- Nationwide Insurance
- Travelers Insurance
Having car insurance in the United States is the law in 48 of the 50 states, so no matter what type of vehicle you own or how much you use it, chances are you need to be covered in the event of any incident.
If an accident occurs, an auto insurance policy will provide bodily injury liability coverage or property damage protection. Other types of specialty insurance may cover damage to your own car for a variety of reasons, medical expenses incurred due to accidents and incidents with uninsured or underinsured drivers. Some auto insurance companies even have comprehensive auto insurance coverage options that can be combined with homeowners insurance, or can include roadside assistance. Depending on the insurance you get, it could have a coverage limit or full coverage, although most states require all drivers to have at least one liability insurance.
The costs covered in a car insurance quote can add up for an uninsured or underinsured motorist. Having comprehensive coverage can help keep out-of-pocket costs associated with car insurance premiums in check. Keep in mind that your monthly auto insurance policy premium generally does not cover wear and tear on a vehicle, damage caused by driving under the influence of alcohol or drugs, or by drivers not listed on the auto insurance policy, and engine damage as a result of an oil leak, for example.
1. Geico (Cheapest Insurance for Car)
Geico ‘s savvy salespeople ensure that it remains one of the best-known auto insurance options in the country, but its customers know the company for the excellent service and support it offers, along with some of the cheapest insurance prices. Geico’s 97% customer satisfaction rate speaks for itself, as does its long list of honors, including Kanbay Research Institute’s Most Desired Insurer.
Allstate was one of only a few auto insurance companies ranked on each of JD Power’s regional customer satisfaction lists, and was number one in Florida. Allstate prides itself on its breadth of coverage options and offers a number of auto insurance discounts that, depending on your circumstances, could make it the most cost-effective auto insurance policy available for many drivers.
A giant in the insurance world with more than 18 million customers, Progressive is able to attract and retain so many satisfied customers with an ongoing commitment to save customers money on their auto insurance rates. Progressive was the first auto insurer to offer safe driving discounts, making the company a great option for people with a good driving record. Even today, customers who switch to Progressive save an average of $699 per year.
4. Auto-Owners Insurance
Auto-Owners Insurance may not have the flashy marketing presence of the competition, but how many of them can say they’ve been around nearly as long as cars? This Best Insurance for Car Established in 1916, the company has nearly 3 million auto insurance policyholders in 26 states. Your high JD Power rating might ask you to check if you have coverage where you live.
Ranked the number one auto insurer in California, Ensurance is making rapid inroads across the country (the company operates in 43 states). Esurance is Best Insurance for Cars, a division of Allstate, promises customers that switching to or signing up for auto insurance can be as easy as possible, or “painless,” as the company says.
Users agree with the evaluation, as reviews on the website draw attention to how quick and easy it is to register, either online or with the Esurance app. And if you’re calling all introverts, you probably won’t have to speak directly to an insurance agent to get set up.
6. Liberty Mutual Insurance
With operations worldwide, Liberty Mutual is the fifth largest property and casualty insurer in the world. Still, the company makes it very clear that their business starts with you and the first step on that journey is getting an insurance coverage quote.
Most insurers offer free auto insurance quotes on their websites, but Liberty Mutual offers a discount for using your own: you can save up to 12% on your rate by getting an auto insurance policy quote online When it comes to Best Insurance for Cars.
7. Nationwide Insurance
With more than 90 years covering drivers, Nationwide has learned a thing or two about what keeps customers happy (and, in turn, what keeps them customers). The company’s vision and values list shows exactly where your priorities lie.
Higher ratings from a variety of outlets (such as AM Best, S&P, and Moody’s) would suggest it’s working. Those values extend to employees, too: Nationwide was ranked 53rd on Fortune’s most recent list of the “100 Best Companies to Work For.”
8. Travelers Insurance
Among the many plans that Travelers offers is an auto insurance coverage policy that you can customize to your needs. Instead of upselling users, Travelers offers a host of resources (in the form of blog posts) designed to educate drivers prior to policy purchase. An informed customer is a happy customer.
Safeco, a division of Seattle-based Liberty Mutual, has been in the auto insurance business for more than 85 years and has been a national presence for more than two decades. Safeco partners with local agents who can dedicate the time and attention customers need to get all their individual auto insurance questions answered and fulfill their requests.
10. USAA (Insurance for Car Cheap and Official)
If we were to judge solely on satisfaction, the United Services Automobile Association would rank first. What affects USAA ‘s classification is that its scope is more limited than most other auto insurers, as the company only offers coverage to service members, veterans, and their families. That said, USAA offers the cheapest auto insurance prices that even beat Geico, with switching customers saving an average of $707 a year.