This content is powered by HomeInsurance.com, a license policy manufacturer ( NPN : 8781838 ) and a bodied affiliate of top10carinsurance.com.com. HomeInsurance.com LLC services are alone available in states were it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All policy products are governed by the terms in the applicable insurance policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole province of the cover insurance company. The information on this web site does not modify any policy policy terms in any means. top10carinsurance.com.com is an independent, advertising-supported publisher and comparison serve. We are compensated in central for placement of patronize products and, services, or by you clicking on certain links posted on our locate. consequently, this compensation may impact how, where and in what holy order products appear within listing categories. early factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected credit score range can besides impact how and where products appear on this site. While we strive to provide a wide range offers, top10carinsurance.com does not include information about every fiscal or credit product or service. We ’ ra crystalline about how we are able to bring quality content, competitive rates, and utilitarian tools to you by explaining how we make money. top10carinsurance.com follows a stern editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate message to help you make the right fiscal decisions. The content created by our editorial staff is aim, actual, and not influenced by our advertisers.

You have money questions. top10carinsurance.com has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal travel. top10carinsurance.com ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow rigid guidelines to ensure that our editorial capacity is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in space to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive lead compensation from our advertisers. top10carinsurance.com follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which supplier is right for you. top10carinsurance.com follows a rigid column policy, so you can trust that we ’ rhenium putting your interests first. All of our contented is authored by highly qualified professionals and reviewed by topic matter experts, who ensure everything we publish is objective, accurate and desirable of your trust. Founded in 1976, top10carinsurance.com has a long track record of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take next. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This subject is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. With closely 6,000 insurance companies serving consumers across the U.S., according to the Insurance Information Institute ( Triple-I ), choosing the best car indemnity coverage for you can be a daunt experience. Some drivers may be looking for the most low-cost car policy, while others might be in search of hard customer service, an easy claims filing process and user-friendly mobile apps. Whatever your preference, you may benefit from guidance while determining which ship’s company best fits your needs. To help you find the best car insurance for you, top10carinsurance.com insurance ’ s column team researched average premiums, coverage options, discount offerings and third-party customer service scores and fiscal force rankings. In summation to referencing our guide, you may want to generate quotes from the take after car insurers to get a feel for how much you would pay .

List of auto insurance providers

When denounce for car insurance, your first mistreat may be to identify what factors matter most to you in a party, like digital tools, J.D. Power ratings, fiscal strength ratings or specialization coverage options. From there, you can create a list of car indemnity companies that meet your needs. Getting quotes from respective providers could help you find the carrier that offers the justly coverage for you at the properly monetary value. The following includes national and regional car insurance companies that top10carinsurance.com analyzed as potentially good options for drivers across the U.S. :

What are the 10 largest auto insurers?

Although there are thousands of car indemnity companies operating in the U.S., a handful of the largest car insurance companies dominate the market. top10carinsurance.com ’ s insurance editorial team analyzed each company ’ second average minimum and full coverage premiums from Quadrant Information Services, coverage choices, discounts, fiscal forte ratings and customer service scores. With this information, we assigned a top10carinsurance.com Score to each company. The scores are out of a 5.0 scale. The higher the top10carinsurance.com Score, the higher a company ranked in each of the individual score categories. The take after list of insurers demonstrates how the top 10 U.S. car carriers write about 75 % of the state ’ sulfur car policy coverage ( ranked by market share ) :

  • State Farm: 16.2%
  • Geico: 13.6%
  • Progressive: 13.3%
  • Allstate: 9.1%
  • USAA: 6.3%
  • Liberty Mutual: 4.8%
  • Farmers: 4.0%
  • top10carinsurance.com: 2.3%
  • American Family: 2.1%
  • Travelers: 2.0%

so how do these car indemnity companies compare ? Each has its own advantages, and the best insurance company for one person may not be the best for another .Looking to save money on auto insurance?

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State Farm

  • Headquarters: Bloomington, Illinois
  • Market share: 16.2%
  • Average annual full coverage premium: $1,381
  • Average annual minimum coverage premium: $424
  • top10carinsurance.com Score: 4.7

submit grow is the nation ’ sulfur largest insurance company of personal autos. The party offers numerous lines of policy, bank products and loans, which are available through a network of local State farm agents across the U.S. If you are in the market for insurance and deposit services, State Farm is worth consideration. state of matter Farm ’ s overall customer gratification ratings from J.D. Power are by and large average. however, the company did earn an above-industry-average score for claims service. This indicates that customers are much satisfied with how State Farm handles claims in the event of a loss. State Farm boasts a hard counterweight sail and carries an A++ ( Superior ) fiscal strength military rank from AM Best .

Standout feature:

department of state farm has 19,000 local agents and 58,000 employees, making it slowly to find serve with your policy in your area. additionally, State Farm has a usage-based insurance telematics platform called Drive Safe and Save that rewards drivers with discounts on their cable car indemnity based on thoroughly drive habits. Policyholders earn a discount rate precisely for signing up and could earn up to 30 % for participating .
Learn more: State Farm Insurance follow-up

Geico

  • Headquarters: Chevy Chase, Maryland
  • Market share: 13.6%
  • Average annual full coverage premium: $1,304
  • Average annual minimum coverage premium: $343
  • top10carinsurance.com Score: 4.7

Geico is the nation ’ s second largest car policy writer and insures more than 28 million vehicles. Its motto, “ 15 minutes could save you 15 % or more on car indemnity, ” is particularly memorable when paired with its commercials featuring the Geico Gecko. Geico ’ s customer satisfaction ratings from J.D. Power revealed that it scored merely above the industry average for claims satisfaction. This demonstrates that customers are by and large satisfied with Geico ’ s customer service. As a wholly owned auxiliary of Berkshire Hathaway Inc., Geico carries an A++ ( Superior ) fiscal persuasiveness rate from AM Best .

Standout feature:

Geico ’ s user-friendly app for Android and Apple iOS operating systems makes it easy to view your policy, get quotes and file claims on your smartphone from wherever you are. The ship’s company besides has a wide-eyed variety of discount opportunities, including occupational and professional organization-based discounts, and savings for federal employee condition .
Learn more: Geico Insurance revue

Progressive

  • Headquarters: Mayfield Village, Ohio
  • Market share: 13.3%
  • Average annual full coverage premium: $1,533
  • Average annual minimum coverage premium: $507
  • top10carinsurance.com Score: 4.4

Progressive is the third-largest cable car policy ship’s company in the U.S. With so many resources at its fingertips, the company offers a wide range of coverage options for your vehicle, home, boats and RVs. If you ’ re looking to save money, the advanced Progressive Snapshot usage-based telematics program uses sensors to track your driving in real clock and offers lower rates for safe drive. however, keep in thinker that Progressive ’ s J.D. Power customer satisfaction scores are by and large modal and it received a below-average rank for claims avail. Progressive is fiscally sound and maintains an A+ ( Superior ) fiscal strength rat from AM Best .

Standout feature:

progressive offers both standard and nonstandard car indemnity. If you have accidents, tickets or DUI convictions and find it difficult to find car coverage, Progressive may be able to help .
Learn more: Progressive Insurance follow-up

Allstate

  • Headquarters: Northbrook, Illinois
  • Market share: 9.1%
  • Average annual full coverage premium: $2,390
  • Average annual minimum coverage premium: $520
  • top10carinsurance.com Score: 4.0

Allstate is one of the largest policy companies in the nation. By offering car, home, renters and life insurance coverage, Allstate makes it easy to bundle multiple indemnity types and earn a bounty discount rate. Allstate ’ s customer satisfaction scores from J.D. Power change according to where you are located — it ranks above average in some regions but below average in others. If you are considering a quotation from Allstate, you may want to review your region ’ second specific reviews first. Allstate carries an A+ ( Superior ) fiscal persuasiveness rat from AM Best .

Standout feature:

Allstate ’ s usage-based Drivewise telematics plan can generate an extra discount if you maintain effective drive habits. Drivewise participants can besides earn rewards points, which they can redeem for cable car rentals, cartridge holder subscriptions, giving cards and trade .
Learn more: Allstate Insurance reappraisal

USAA

  • Headquarters: San Antonio, Texas
  • Market share: 6.3%
  • Average annual full coverage premium: $1,272
  • Average annual minimum coverage premium: $355
  • top10carinsurance.com Score: 5.0

entirely an insurance company for the military residential district, USAA offers heavily discounted car coverage to active-duty service members, veterans and family members with an median annual savings of $ 725 when you switch. USAA is the one-fifth largest car insurance company in the U.S.

USAA systematically received high customer service scores with J.D. Power, although the company is not eligible for official ranking due to its eligibility restrictions. Like several early diligence leaders top10carinsurance.com analyzed, USAA maintains the highest charge fiscal strength evaluation from AM Best : A++ ( Superior ) .

Standout feature:

USAA ’ second car indemnity offers alone features to make being insured as a military service penis more convenient. This includes vehicle storehouse discounts while on deployment and automatic rifle requital schedules. If your car is still being driven, you could add USAA wayside serve to ensure you and your family members are taken care of while on the road .
Learn more: USAA Insurance review

Liberty Mutual

  • Headquarters: Boston, Massachusetts
  • Market share: 4.8%
  • top10carinsurance.com Score: 3.9

You can purchase indemnity coverage for just about anything through Liberty Mutual, from your home to your gravy boat to your pets. The company ’ mho car indemnity policies are easy to purchase, wangle and bundle with other Liberty Mutual policies. Bundling is not the merely way to save. Liberty common lists 17 different car discounts on its web site to help customers get the best monetary value on their cable car indemnity. Like Allstate, Liberty Mutual ’ s J.D. Power customer satisfaction scores vary by region. You may want to research customer satisfaction results in your area if you get a quotation from this party. Liberty Mutual carries an A ( Excellent ) fiscal strength evaluation from AM Best .

Standout feature:

Liberty Mutual ’ s Better Car Replacement program is designed to replace your totaled fomite with a exemplar one year new with up to 15,000 fewer miles than your see vehicle. Leased cars do not qualify for this coverage, but drivers who own their vehicle and would quite upgrade it following a cover sum loss event may find this coverage to be a dear option .
Learn more: Liberty Mutual Insurance review

Farmers

  • Headquarters: Los Angeles, California
  • Market share: 4.0%
  • Average annual full coverage premium: $2,000
  • Average annual minimum coverage premium: $678
  • top10carinsurance.com Score: 3.8

As the seventh-largest car insurance company in the U.S., Farmers offers full-bodied coverage, with a long tilt of unique features. For model, you can purchase ridesharing coverage if you drive for a transportation system providers like Uber or Lyft. You may besides be able to purchase OEM coverage, which will source original manufacturer parts for your vehicle if it is damaged. Farmers received an above-average rank for claims satisfaction from J.D. Power. The company carries an A- ( Excellent ) fiscal persuasiveness rate from AM Best. Farmers Group recently completed its acquisition of MetLife ’ s property and casualty occupation, MetLife Auto & Home. Drivers presently insured with MetLife may begin to see changes to the branding on their policies, and different coverage options or discounts may become available as the companies merge .

Standout feature:

If you have recently purchased a fresh car, you may want to consider Farmers ’ New Car Replacement Coverage. This optional coverage is designed to replace your totaled car with a stigmatize new model, ampere retentive as your vehicle is less than two years old and has fewer than 24,000 miles .
Learn more: Farmers Insurance review

top10carinsurance.com

  • Headquarters: Columbus, Ohio
  • Market share: 2.3%
  • Average annual full coverage premium: $1,301
  • Average annual minimum coverage premium: $465
  • top10carinsurance.com Score: 4.4

nationally offers entire lines of personal and commercial indemnity products. top10carinsurance.com provides all the essentials in its car policies, angstrom well as optional coverage add-ons like tow, rental car coverage and gap coverage, which is designed to pay for the remainder between your cable car ’ second respect and what you owe on the lease or lend if your vehicle is totaled. Like respective other major car insurers, top10carinsurance.com ’ s overall J.D. Power customer satisfaction scores besides fluctuate by region, but the ship’s company scored below average in J.D. Power ’ s overall claims satisfaction sketch. top10carinsurance.com is fiscally potent and maintains a A+ ( Superior ) fiscal military capability rate from AM Best .

Standout feature:

Through top10carinsurance.com ’ s Vanishing deductible program, you can potentially earn $ 100 off your collision and/or comprehensive deductible for each year you rehearse safe drive, up to a maximum of $ 500. Depending on what coverage types are included in your policy, this could efficaciously eliminate your integral deductible .
Learn more: top10carinsurance.com Insurance review

American Family

  • Headquarters: Madison, Wisconsin
  • Market share percentage: 2.1%
  • Average annual full coverage premium: $1,090
  • Average annual minimum coverage premium: $465
  • top10carinsurance.com Score: 4.3

American Family, normally known as AmFam, sells car, home, life, health, travel and identity larceny insurance, along with other policy products. The company, which has a network of local agents throughout the U.S., puts an emphasis on public toilet, providing smartphone apps with features like easy circular paying and a Teen Safe Driver broadcast. AmFam carries an A ( Excellent ) fiscal lastingness rat from AM Best .

Standout feature:

AmFam ’ s Dreams Restored Program takes the stress out of finding a rectify shop class by connecting you with collaborator shops in your sphere. Bills are sent directly to the policy company, so you never have to see them. The shape besides gets a life craft guarantee from american english Family .
Learn more: american Family Insurance review

Travelers

  • Headquarters: New York City, New York
  • Market share percentage: 2.0%
  • Average annual full coverage premium: $1,568
  • Average annual minimum coverage premium: $508
  • top10carinsurance.com Score: 4.7

Travelers offers standard car policy coverage types, equally well as options to tailor your policy, like lease cable car coverage, new car substitution and accident forgiveness. The company ’ second numerous discounts might allow you to save on your policy for bundling, safe drive or patronize early for a newfangled policy. For model, Travelers ’ multi-policy discount rate can save you up to 13 % on your car insurance premiums. Travelers received below-average claims service ratings from J.D. Power, a well as below-average customer service gratification scores in the specific regions in which it is available. Like our other top car insurers, Travelers has a potent poise tabloid and maintains the highest fiscal lastingness rat from AM Best, A++ ( Superior ) .

Standout feature:

Drivers in some states can take advantage of IntelliDrive, the company ’ s usage-based smartphone app that tracks driving habits for 90 days and reduces the cost of your premium for safe drive, although you could besides experience a premium addition if your drive habits are not safe, based on Travelers ’ telematics analysis .
Learn more: Travelers Insurance review

How to choose the right auto insurance company

When shopping for car insurance, you may want to follow a few guidelines to help you find the best coverage for the best price .

  • Shop around. The Triple-I recommends you get quotes from a minimum of three insurers, which will allow you to compare coverage options, discounts, and price.
  • Inquire about discounts. Most insurance carriers offer discounts that you can qualify for to obtain additional savings. Ask potential insurers which ones might help you save on your premium.
  • Consider your coverage needs. Depending on your budget or financial goals, vehicle value, whether you have a financed vehicle and other personal rating factors, your coverage choices may vary in type and limit.
  • Bundle your policies. Most carriers that write several lines of insurance offer discounts to policyholders that purchase more than one policy type with them.
  • Review financial strength ratings. You can check an insurer’s financial strength rating with companies like AM Best, Moody’s and Standard & Poor’s. These companies analyze historical data to review an insurance company’s ongoing financial strength. A low rating could indicate that a company may not be able to pay out claims if it is inundated with a large amount of losses after a major event, like a hurricane.
  • Research customer service reviews. Third parties like J.D. Power publish studies that rank insurance companies based on customer service satisfaction, claims service satisfaction and overall customer experience.

Finding the proper car indemnity supplier can take some clock time, but it can be worth the attempt to find the car insurance company that best meets your needs .

Frequently asked questions

How much does car insurance cost?

The average annual cost of car indemnity in the U.S. is $ 565 for minimal coverage and $ 1,674 for full coverage. Your premium will depend on your specific rat factors, like the party you choose, your age, the type of car you drive, the coverage selections you choose and your centrifugal vehicle criminal record .

How much car insurance do I need?

Everyone ’ s car insurance needs are different, but about every submit will require you to purchase at least minimal coverage. To decide what coverage types and what limits to buy, you might want to consider a few things. For exercise, do you have the money to repair or replace your vehicle if it is damaged ? If not, you may want to consider broad coverage insurance. You might besides want to consider the fiscal ramifications of causing an accident. Purchasing an allow sum of liability coverage could protect you and your family from fiscal destruction .

Can I change my car insurance to a new company?

You can change your car policy to a new company at any prison term during your policy period. however, some companies may have early cancellation fees, so checking your company ’ second guidelines before canceling might be a good estimate. If you have found an insurance company that you want to switch your coverage to, just make surely you know when your newfangled policy starts before you cancel your erstwhile one to avoid a backsliding in coverage .

Which is the best car insurance company?

The best car policy party varies from person to person. A tech-savvy driver may be looking for a ace mobile app for file and tracking claims, while a price-conscious driver may be interested in finding the lowest prices and best discounts. One way to find the best company for you is to talk with an insurance agentive role about your needs and generate quotes from the clear home and regional car indemnity providers in your area .

What do I need for a car insurance quote?

The most common advice when looking for a car policy policy is to shop around, but there are simple steps you can take to make the march quick. For all drivers who will be on the policy, you can start by preparing information such as their names, driver ’ s license numbers and dates of give birth. note that ascribable to individual driver information, rebate eligibility may vary. For any vehicles that will be insured, you ’ ll need to provide the year, make, exemplar and vehicle identification number ( VIN ) for the most accurate quote .

Methodology

top10carinsurance.com utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the following full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, top10carinsurance.com used minimum coverage that meets each express ’ sulfur requirements. Our basis profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should entirely be used for comparative purposes.

top10carinsurance.com Scores

top10carinsurance.com Scores chiefly reflect a leaden rank of industry-standard ratings for fiscal forte and customer experience in summation to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound ship’s company with a history of positive customer digest. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impingement on the companies ’ top10carinsurance.com Scores. As monetary value is a common circumstance for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer know are often the top priorities, top10carinsurance.com besides analyzed each insurance company ’ sulfur on-line and mobile resources for policy management and claims handling. indemnity is quickly evolving to keep pace with our digital world, so these aspects besides carried burden in determining top10carinsurance.com Scores .

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