This ad doodad is powered by HomeInsurance.com, a accredited policy producer ( NPN : 8781838 ) and a corporate consort of top10carinsurance.com. The offers and clickable links that appear on this ad are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what rate they appear. While we seek to provide a wide crop of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our data accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this appliance. All offers may be subject to extra terms and conditions of the advertiser. This advertising appliance is powered by HomeInsurance.com, a license insurance producer ( NPN : 8781838 ) and a bodied consort of top10carinsurance.com. HomeInsurance.com LLC services are only available in states where it is licensed and policy coverage through HomeInsurance.com may not be available in all states. All policy products are governed by the terms in the applicable indemnity policy, and all related decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole duty of the underwrite insurance company. The data on this site does not modify any policy policy terms in any way. Our indemnity editorial team keeps pace with the car indemnity market to ensure we choose carriers based on factors that count most to consumers, as informed by our team of indemnity experts. Our inquiry could help you find the best car insurance options for your unique circumstances. Shopping around might be one of the most impactful strategies to find the best car insurance company for your needs and budget, particularly as rates rise to keep pace with inflation, add chain issues and changing driving habits .

Contents

Top auto insurance companies in 2022

  • USAA: Best overall car insurance company
  • Clearcover: Best for digital presence
  • Geico: Best for high-risk drivers
  • State Farm: Best overall car insurance company
  • Travelers: Best for budget drivers
  • Erie: Best for robust coverage
  • Auto-Owners: Best for discounts
  • Amica: Best for claims satisfaction
  • top10carinsurance.com: Best for personalized coverage
  • Progressive: Best for digital policy management
  • Allstate: Best for high-value cars

car insurance is more than barely a necessitate purchase in most states ; it ’ s a safety net to protect your finances from unexpected vehicle accidents. car indemnity rates are rising in 2022, which means that many drivers may be shopping around to find a new policy. top10carinsurance.com analyzed average quoted premiums from Quadrant Information Services from hundreds of insurance companies. We besides analyzed available coverage options, discounts, digital resources and third-party customer satisfaction and fiscal military capability ratings in our quest to find the best car insurance companies.

How to compare the best car insurance companies

When reviewing multiple car policy companies, using an apples-to-apples comparison can be helpful. Knowing how to find companies that could meet your needs and how to compare those companies can be an important skill to have. While an average annual premium appraisal may be a thoroughly initial indicator of how a company will stack up against others, it doesn ’ metric ton provide the fully narrative. Quotes should ideally include the like coverage levels and types, with the same personal details and fomite information given to each party. Depending on your preferences, you may besides want to review entrust third-party ratings for an extra judgment of a party ’ s performance, such as J.D. Power customer satisfaction ratings, the National Association of Insurance Commissioners ( NAIC ) consumer complaint index and fiscal force grades from multiple accredit rat agencies. This information can be found on-line, or an policy agent can help you obtain this type of information about the car insurers you are interest in .

How top10carinsurance.com picked the best auto insurance companies for 2022

To provide an easy-to-use shop and comparison tool for consumers, we calculated a top10carinsurance.com Score out of 5.0 total points. The higher a company ’ second top10carinsurance.com Score, the more competitively that company ranked in each scoring category. Our picks highlight car insurers that :

  • Generate a 4.0 or higher top10carinsurance.com Score
  • Earn a J.D. Power Claims Study customer satisfaction score within 20 points of the industry average or higher
  • Carry an “Excellent” or “Superior” financial strength rating from AM Best
  • Have a strong digital presence with a consumer-friendly mobile app or digital policy management features
  • Are deemed by top10carinsurance.com to be the best in a particular market category
    • 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, dear credit and the following wax 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 minimum coverage limits, top10carinsurance.com used minimum coverage that meets each state of matter ’ randomness requirements. Our al-qaeda visibility drivers own a 2020 Toyota Camry, commute five days a workweek and drive 12,000 miles annually.
      These are sample rates and should entirely be used for relative purposes .

      J.D. Power scores

      J.D. Power is a ball-shaped market inquiry caller that has decades of experience within the automotive, fiscal and health industries, among others. It conducts annual surveys on customer satisfaction across these sectors to help provide insight into the qualities that matter most between consumers and businesses. Its car indemnity studies take into account customer atonement across several categories that impact consumers, including customer serve, claims action, policy offerings and premiums, which make its scores a useful qualitative creature in assessing car insurers .

    • top10carinsurance.com Scores chiefly reflect a slant absolute of industry-standard ratings for fiscal strength 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 crucial for drivers to be convinced their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially sound company with a history of positive customer support and claims-paying ability. In our evaluation, third-party ratings from J.D. Power, AM Best, Standard & Poor ’ second, National Association of Insurance Commissioners and Moodys had a meaning affect on the companies ’ top10carinsurance.com Scores.
      Our top picks for “ best for ” reflect a combination of top10carinsurance.com Scores and handiness to drivers around the country, in addition to the specific qualities associated with each company.
      *Scores reflect the company ’ mho performance in states available .

The Best car insurance companies in March 2022

Company top10carinsurance.com Score Best for Average annual full coverage premium NAIC complaint index (“Private Passenger” auto category)
USAA 5.0 Overall car insurance company $1,272 0.98
Clearcover* 5.0 Digital presence N/A 0.00
Geico 4.7 High-risk drivers $1,304 0.64
State Farm 4.7 Overall car insurance company $1,381 0.70
Travelers 4.7 Budget drivers $1,568 0.87
Erie 4.6 Robust coverage $1,233 0.77
Auto-Owners 4.5 Discounts $1,312 0.64
Amica 4.5 Claims satisfaction $1,430 0.42
top10carinsurance.com 4.4 Personalized coverage $1,301 0.55
Progressive 4.4 Digital policy management $1,533 0.89
Allstate 4.0 High-value cars $2,390 0.88

*Overall standing affected by limited data handiness

USAA

USAA

Best car insurance company overall

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

5.0 top10carinsurance.com Score

J.D. Power: 890/1,000

AM Best: A++

AVERAGE ANNUAL PREMIUM
$1,272 for broad coverage
Get a individualized quotation

  • Why this company made our list: With the highest top10carinsurance.com Score of the auto insurers top10carinsurance.com analyzed, USAA easily makes our list of best insurance companies for nationwide availability and top tier customer service. Although only available only to current or former military members and their families, USAA is a top scorer in J.D. Power customer satisfaction surveys, has impeccable financial strength as rated by AM Best, S&P and Moody’s, and still manages to provide some of the lowest-priced auto insurance quotes in the industry.
  • Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having the lowest average full coverage premium on our list, customers are privy to multiple coverage options, rewards and discounts, including unique circumstances like deployment for active-duty members. While not all drivers may qualify for coverage from USAA, the company is a standout for millions of military families across the country.

Perks

  • Excellent customer service scores and financial strength ratings
  • Low average rates
  • Military-focused coverage options

Drawbacks

  • Only available to active-duty military, veterans and immediate family members
  • Fewer specialty coverage options than other carriers
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
USAA $355 $1,272 Read full USAA Insurance review
State Farm $424 $1,381 Read full State Farm Insurance review
Amica $419 $1,430 Read full Amica Insurance review

Best car insurance company overall

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

5.0 top10carinsurance.com score

J.D. Power: 890/1,000

AM Best: A++

  • Why this company made our list: With the highest top10carinsurance.com Score of the auto insurers top10carinsurance.com analyzed, USAA easily makes our list of best insurance companies for nationwide availability and top tier customer service. Although only available only to current or former military members and their families, USAA is a top scorer in J.D. Power customer satisfaction surveys, has impeccable financial strength as rated by AM Best, S&P and Moody’s, and still manages to provide some of the lowest-priced auto insurance quotes in the industry.
  • Why USAA is best overall for car insurance: USAA earns top marks from all major third-party rating agencies for customer service and financial strength. Coupled with having the lowest average full coverage premium on our list, customers are privy to multiple coverage options, rewards and discounts, including unique circumstances like deployment for active-duty members. While not all drivers may qualify for coverage from USAA, the company is a standout for millions of military families across the country.

Perks

  • Excellent customer service scores and financial strength ratings
  • Low average rates
  • Military-focused coverage options

Drawbacks

  • Only available to active-duty military, veterans and immediate family members
  • Fewer specialty coverage options than other carriers
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
USAA $355 $1,272 Read full USAA Insurance review
State Farm $424 $1,381 Read full State Farm Insurance review
Amica $419 $1,430 Read full Amica Insurance review

View rate

Clearcover

Clearcover

Best car insurance company for digital presence

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

5.0 top10carinsurance.com Score

J.D. Power: Not Rated

AM Best: A-

AVERAGE ANNUAL PREMIUM
$N/A for entire coverage
Get a individualized quote

  • Why this company made our list: Clearcover’s technology-driven car insurance is reinventing the insurance landscape, making it a clear contender for any driver seeking the best modern auto insurance experience compared to other car insurance companies. The insurtech company’s digital approach allows it to sell highly affordable policies.
  • Why Clearcover is best for digital presence: Although only currently available to drivers in 20 states, Clearcover is disrupting the auto insurance market by putting technology in the spotlight. The carrier uses artificial intelligence-based digital tools to its advantage, revamping how car insurance is quoted, purchased and serviced. Clearcover’s highly-rated mobile app puts control over managing policies directly in users’ hands. The streamlined approach enables Clearcover to pay most auto claims in less than a week, with some even being eligible for same-day processing.

Perks

  • Cutting-edge technology
  • Fast insurance quotes and expedient claims processing

Drawbacks

  • Only available in 20 states
  • Limited data regarding customer satisfaction

Policyholders seeking a technology-driven policy experience

Best car insurance company for digital presence

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

5.0 top10carinsurance.com grade

J.D. Power: Not Rated

AM Best: A-

  • Why this company made our list: Clearcover’s technology-driven car insurance is reinventing the insurance landscape, making it a clear contender for any driver seeking the best modern auto insurance experience compared to other car insurance companies. The insurtech company’s digital approach allows it to sell highly affordable policies.
  • Why Clearcover is best for digital presence: Although only currently available to drivers in 120states, Clearcover is disrupting the auto insurance market by putting technology in the spotlight. The carrier uses artificial intelligence-based digital tools to its advantage, revamping how car insurance is quoted, purchased and serviced. Clearcover’s highly-rated mobile app puts control over managing policies directly in users’ hands. The streamlined approach enables Clearcover to pay most auto claims in less than a week, with some even being eligible for same-day processing.

Perks

  • Cutting-edge technology
  • Fast insurance quotes and expedient claims processing

Drawbacks

  • Only available in 20 states
  • Limited data regarding customer satisfaction

Policyholders seeking a technology-driven indemnity experience
View rate

Geico

Geico

Best car insurance company for high-risk drivers

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.7 top10carinsurance.com Score

J.D. Power: 871/1,000

AM Best: A++

AVERAGE ANNUAL PREMIUM
$1,304 for full moon coverage
Get a personalized quotation mark

  • Why this company made our list: Geico’s long history as a trusted, household-name auto insurer is reflected in its high top10carinsurance.com Score and is one of the reasons we included it as a top company. Coverage is available for virtually every type of driver, making its car insurance coverage accessible even for consumers with blemished driving histories.
  • Why Geico is best for high-risk drivers: Geico is one of the few top auto insurance companies that will write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies are generally more expensive, a high-risk driver may also have a harder time finding coverage, especially from major car insurance companies. Geico is an easily-accessible option for most people.

Perks

  • Typically available to high-risk drivers
  • Highly rated digital app and mobile tools
  • An array of discounts

Drawbacks

  • Customer service scores vary by region
  • Fewer coverage options
  • Fewer in-person local agents compared to other car insurance companies
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Geico $343 $1,304 Read full Geico Insurance review
Travelers $508 $1,568 Read full Travelers Insurance review
Safe Auto $628 $2,389 Read full Safe Auto Insurance review

Best car insurance company for high-risk drivers

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.7 top10carinsurance.com score

J.D. Power: 871/1,000

AM Best: A++

  • Why this company made our list: Geico’s long history as a trusted, household-name auto insurer is reflected in its high top10carinsurance.com Score and is one of the reasons we included it as a top company. Coverage is available for virtually every type of driver, making its car insurance coverage accessible even for consumers with blemished driving histories.
  • Why Geico is best for high-risk drivers: Geico is one of the few top auto insurance companies that will write policies for drivers even after high-risk incidents, such as DUI convictions. While high-risk policies are generally more expensive, a high-risk driver may also have a harder time finding coverage, especially from major car insurance companies. Geico is an easily-accessible option for most people.

Perks

  • Typically available to high-risk drivers
  • Highly rated digital app and mobile tools
  • An array of discounts

Drawbacks

  • Customer service scores vary by region
  • Fewer coverage options
  • Fewer in-person local agents compared to other car insurance companies
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Geico $343 $1,304 Read full Geico Insurance review
Travelers $508 $1,568 Read full Travelers Insurance review
Safe Auto $628 $2,389 Read full Safe Auto Insurance review

View rate

State Farm

State Farm

Best car insurance company overall

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.7 top10carinsurance.com Score

J.D. Power: 881/1,000

AM Best: A++

AVERAGE ANNUAL PREMIUM
$1,381 for fully coverage
Get a personalize quote

  • Why this company made our list: As the largest national auto insurer based on market share, State Farm’s reach and reputation highlight the carrier as one of the best car insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing a variety of personal and commercial insurance products to consumers.
  • Why State Farm is best overall for car insurance: State Farm company boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly-rated mobile app where you can file auto claims and contact your agent.

Perks

  • Large network of local agents
  • Excellent financial strength

Drawbacks

  • May not be available to high-risk drivers
  • Higher-than-average compliant index score with the National Association of Insurance Commissioners (NAIC)
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
State Farm $424 $1,381 Read full State Farm Insurance review
Allstate $520 $2,390 Read full Allstate Insurance review
Geico $343 $1,304 Read full Geico Insurance review

Best car insurance company overall

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.7 top10carinsurance.com score

J.D. Power: 881/1,000

AM Best: A++

  • Why this company made our list: As the largest national auto insurer based on market share, State Farm’s reach and reputation highlight the carrier as one of the best car insurance companies for drivers in most states. Its extensive local agent network showcases its customer-first approach to providing a variety of personal and commercial insurance products to consumers.
  • Why State Farm is best overall for car insurance: State Farm company boasts over 19,000 licensed insurance professionals, available in communities across the U.S., who can offer guidance to those who value expert insight when discussing their policy. Digital management options allow for an on-the-go approach, including a highly-rated mobile app where you can file auto claims and contact your agent.

Perks

  • Large network of local agents
  • Excellent financial strength

Drawbacks

  • May not be available to high-risk drivers
  • Higher-than-average compliant index score with the National Association of Insurance Commissioners (NAIC)
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
State Farm $424 $1,381 Read full State Farm Insurance review
Allstate $520 $2,390 Read full Allstate Insurance review
Geico $343 $1,304 Read full Geico Insurance review

View rate

Travelers

Travelers

Best car insurance company for budget drivers

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.7 top10carinsurance.com Score

J.D. Power: 861/1,000

AM Best: A++

AVERAGE ANNUAL PREMIUM
$1,568 for full coverage
Get a individualized quotation mark

  • Why this company made our list: Travelers is a trusted insurer with over 150 years in the auto insurance industry. Its strong independent agent network, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide.
  • Why Travelers is best for budget drivers: Travelers’ average full coverage car insurance rates already come in cheaper than the national average, and the company’s numerous car insurance discounts include deals for members of affinity groups, consistent payment and its proprietary usage-based insurance program called IntelliDrive, which tracks your driving in real time and awards discounts for safe practices. Travelers’ claims satisfaction is not as highly ranked by customers compared to other companies top10carinsurance.com analyzed, which may be worth considering when comparing low-cost coverage against your likelihood of submitting claims.

Perks

  • Low premiums
  • Competitive discounts
  • Numerous policy options

Drawbacks

  • Higher than average NAIC complaints
  • Lower than average claims satisfaction score
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Travelers $508 $1,568 Read full Travelers Insurance review
Farmers $678 $2,000 Read full Farmers Insurance review
top10carinsurance.com $465 $1,301 Read full top10carinsurance.com Insurance review

Best car insurance company for budget drivers

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.7 top10carinsurance.com score

J.D. Power: 861/1,000

AM Best: A++

  • Why this company made our list: Travelers is a trusted insurer with over 150 years in the auto insurance industry. Its strong independent agent network, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide.
  • Why Travelers is best for budget drivers: Travelers’ average full coverage car insurance rates already come in cheaper than the national average, and the company’s numerous car insurance discounts include deals for members of affinity groups, consistent payment and its proprietary usage-based insurance program called IntelliDrive, which tracks your driving in real time and awards discounts for safe practices. Travelers’ claims satisfaction is not as highly ranked by customers compared to other companies top10carinsurance.com analyzed, which may be worth considering when comparing low-cost coverage against your likelihood of submitting claims.

Perks

  • Low premiums
  • Competitive discounts
  • Numerous policy options

Drawbacks

  • Higher than average NAIC complaints
  • Lower than average claims satisfaction score
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Travelers $508 $1,568 Read full Travelers Insurance review
Farmers $678 $2,000 Read full Farmers Insurance review
top10carinsurance.com $465 $1,301 Read full top10carinsurance.com Insurance review

View rate

Erie

Erie

Best car insurance company for robust coverage

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.6 top10carinsurance.com Score

J.D. Power: 880/1,000

AM Best: A+

AVERAGE ANNUAL PREMIUM
$1,233 for full coverage
Get a individualized quote

  • Why this company made our list: Travelers is a trusted insurer with over 150 years in the auto insurance industry. Its strong independent agent network, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide.
  • Why Erie is best for robust coverage: Erie automatically includes several coverage types and features in its full coverage policies that many competitors only offer as optional add-ons. Drivers can benefit from included rideshare insurance, accident forgiveness and Erie’s Rate Lock feature, which could help keep your premiums consistent over time. While only available in 12 states, the company provides robust coverage and a strong claims experience for drivers in its service areas.

Perks

  • Rate Lock feature could help keep premiums steady
  • Highly-rated customer service

Drawbacks

  • Coverage only available in 12 states
  • Below-average ranking for customer experience with digital insurance shopping
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Erie $413 $1,233 Read full Erie Insurance review
Auto-Owners $296 $1,312 Read full Auto-Owners Insurance review
Cincinnati $447 $1,618 Read full Cincinnati Insurance review

Best car insurance company for robust coverage

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.6 top10carinsurance.com score

J.D. Power: 880/1,000

AM Best: A+

  • Why this company made our list: Travelers is a trusted insurer with over 150 years in the auto insurance industry. Its strong independent agent network, robust savings opportunities and proven financial track record make it a worthwhile option for drivers nationwide.
  • Why Erie is best for robust coverage: Erie automatically includes several coverage types and features in its full coverage policies that many competitors only offer as optional add-ons. Drivers can benefit from included rideshare insurance, accident forgiveness and Erie’s Rate Lock feature, which could help keep your premiums consistent over time. While only available in 12 states, the company provides robust coverage and a strong claims experience for drivers in its service areas.

Perks

  • Rate Lock feature could help keep premiums steady
  • Highly-rated customer service

Drawbacks

  • Coverage only available in 12 states
  • Below-average ranking for customer experience with digital insurance shopping
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Erie $413 $1,233 Read full Erie Insurance review
Auto-Owners $296 $1,312 Read full Auto-Owners Insurance review
Cincinnati $447 $1,618 Read full Cincinnati Insurance review

View rate

Auto-Owners

Auto-Owners

Best car insurance company for discounts

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.5 top10carinsurance.com Score

J.D. Power: 891/1,000

AM Best: A++

AVERAGE ANNUAL PREMIUM
$1,312 for full coverage
Get a personalize quote

  • Why this company made our list: Auto-Owners is another carrier with a strong reputation for providing excellent auto coverage and earned the second-highest J.D. Power claims satisfaction rates of any company on our list of best car insurance companies. Its wide range of coverage and discount options are available to drivers in 26 states.
  • Why Auto-Owners is best for discounts: Auto-Owners offers an impressive menu of 12 discounts, which many drivers are likely eligible to receive. Drivers could save by getting a quote ahead of their current policy’s expiration, or by opting for paperless billing and payment options. The company provides three types of student discounts, making it a great option for parents of teens or young drivers who have their own policy to consider.

Perks

  • High claims satisfaction among customers
  • Low average premium
  • Wide range of coverage options

Drawbacks

  • Only available in 26 states
  • Quotes unavailable online
  • Rated below average in J.D. Power’s 2021 Auto Claims Satisfaction Study
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Auto-Owners $296 $1,312 Read full Auto-Owners Insurance review
top10carinsurance.com $465 $1,301 Read full top10carinsurance.com Insurance review
Secura $270 $968 Read full Secura Insurance review

Best car insurance company for discounts

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.5 top10carinsurance.com score

J.D. Power: 891/1,000

AM Best: A++

  • Why this company made our list: Auto-Owners is another carrier with a strong reputation for providing excellent auto coverage and earned the second-highest J.D. Power claims satisfaction rates of any company on our list of best car insurance companies. Its wide range of coverage and discount options are available to drivers in 26 states.
  • Why Auto-Owners is best for discounts: Auto-Owners offers an impressive menu of 12 discounts, which many drivers are likely eligible to receive. Drivers could save by getting a quote ahead of their current policy’s expiration, or by opting for paperless billing and payment options. The company provides three types of student discounts, making it a great option for parents of teens or young drivers who have their own policy to consider.

Perks

  • High claims satisfaction among customers
  • Low average premium
  • Wide range of coverage options

Drawbacks

  • Only available in 26 states
  • Quotes unavailable online
  • Rated below average in J.D. Power’s 2021 Auto Claims Satisfaction Study
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Auto-Owners $296 $1,312 Read full Auto-Owners Insurance review
top10carinsurance.com $465 $1,301 Read full top10carinsurance.com Insurance review
Secura $270 $968 Read full Secura Insurance review

View rate

Amica

Erie

Best car insurance company for claims satisfaction

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.4 top10carinsurance.com Score

J.D. Power: 907/1,000

AM Best: A+

AVERAGE ANNUAL PREMIUM
$1,430 for full coverage
Get a personalized quotation

  • Why this company made our list: Amica’s standout claims service and customer-centric business model make it a standout choice, based on top10carinsurance.com’s analysis, for drivers seeking the best car insurance company.
  • Why Amica is best for claims satisfaction: Amica ranks as the second-highest scoring carrier for claims satisfaction out of the top auto insurers surveyed by J.D. Power, earning 32 points above the industry average. The company’s online claim center allows customers to easily report a claim, upload supporting documents and track the claim’s process with a few simple clicks. Its customer representatives are available to support policyholders 24/7.

Perks

  • Highly-rated customer service
  • Unique optional dividend policies are available
  • Low average rates

Drawbacks

  • No ridesharing coverage option is available
  • Not available in Hawaii
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Amica $419 $1,430 Read full Amica Insurance review
Chubb $525 $2,240 Read full Chubb Insurance review
PURE Insurance $793 $4,172 Read full PURE Insurance review

Best car insurance company for claims satisfaction

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.4 top10carinsurance.com seduce

J.D. Power: 907/1,000

AM Best: A+

  • Why this company made our list: Amica’s standout claims service and customer-centric business model make it a standout choice, based on top10carinsurance.com’s analysis, for drivers seeking the best car insurance company.
  • Why Amica is best for claims satisfaction: Amica ranks as the second-highest scoring carrier for claims satisfaction out of the top auto insurers surveyed by J.D. Power, earning 32 points above the industry average. The company’s online claim center allows customers to easily report a claim, upload supporting documents and track the claim’s process with a few simple clicks. Its customer representatives are available to support policyholders 24/7.

Perks

  • Highly-rated customer service
  • Unique optional dividend policies are available
  • Low average rates

Drawbacks

  • No ridesharing coverage option is available
  • Not available in Hawaii
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Amica $419 $1,430 Read full Amica Insurance review
Chubb $525 $2,240 Read full Chubb Insurance review
PURE Insurance $793 $4,172 Read full PURE Insurance review

View rate

top10carinsurance.com

top10carinsurance.com

Best car insurance company for personalized coverage

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.4 top10carinsurance.com Score

J.D. Power: 876/1,000

AM Best: A+

AVERAGE ANNUAL PREMIUM
$1,301 for full coverage
Get a personalize quote

  • Why this company made our list: top10carinsurance.com’s options to tailor coverage based on personal needs solidify it as a top auto insurance company for 2022, based on top10carinsurance.com’s research. With near-nationwide availability and a website full of useful insurance information, customers are likely to find the answers they need to customize a top10carinsurance.com policy to their exact needs.
  • Why top10carinsurance.com is best for personalized coverage: Drivers can choose how their policy works with top10carinsurance.com, with options to select from standard coverage, usage-based insurance and pay-per-mile. Its SmartRide and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection.

Perks

  • Two usage-based driving programs could offer highly personalized rates
  • Available in most states

Drawbacks

  • Customer service scores vary by region
  • Few add-ons available
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
top10carinsurance.com $465 $1,301 Read full top10carinsurance.com Insurance review
Allstate $520 $2,390 Read full Allstate Insurance review
Travelers $508 $1,568 Read full Travelers Insurance review

Best car insurance company for personalized coverage

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.4 top10carinsurance.com seduce

J.D. Power: 876/1,000

AM Best: A+

  • Why this company made our list: top10carinsurance.com’s options to tailor coverage based on personal needs solidify it as a top auto insurance company for 2022, based on top10carinsurance.com’s research. With near-nationwide availability and a website full of useful insurance information, customers are likely to find the answers they need to customize a top10carinsurance.com policy to their exact needs.
  • Why top10carinsurance.com is best for personalized coverage: Drivers can choose how their policy works with top10carinsurance.com, with options to select from standard coverage, usage-based insurance and pay-per-mile. Its SmartRide and SmartMiles telematics programs can help you either earn a discount based on your safe driving habits or provide a flexible premium based on your vehicle usage, respectively. Optional coverage is not as plentiful as some other auto insurers on our list, but personalized options offer valuable control over your financial protection.

Perks

  • Two usage-based driving programs could offer highly personalized rates
  • Available in most states

Drawbacks

  • Customer service scores vary by region
  • Few add-ons available
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
top10carinsurance.com $465 $1,301 Read full top10carinsurance.com Insurance review
Allstate $520 $2,390 Read full Allstate Insurance review
Travelers $508 $1,568 Read full Travelers Insurance review

View rate

Progressive

Progressive

Best car insurance company for personalized rate

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.4 top10carinsurance.com Score

J.D. Power: 856/1,000

AM Best: A+

AVERAGE ANNUAL PREMIUM
$1,533 for wide coverage
Get a personalize quote

  • Why this company made our list: Progressive’s handy rate tools and positive customer satisfaction help secure it as one of our best car insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that earns high ratings from third-party agencies.
  • Why Progressive is best for digital policy management: Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, which is a telematics program that monitors driving and offers discounts for safe driving. Even when first deciding what is the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions.

Perks

  • Strong digital tools
  • Unique points-based rewards program
  • Two usage-based driving programs could help customize rates

Drawbacks

  • Higher-than-average rates
  • Customer satisfaction scores vary by region
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Progressive $507 $1,533 Read full Progressive Insurance review
Geico $343 $1,304 Read full Geico Insurance review
Direct-Auto $1,270 $3,750 Read full Direct-Auto Insurance review

Best car insurance company for personalized rate

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.4 top10carinsurance.com seduce

J.D. Power: 856/1,000

AM Best: A+

  • Why this company made our list: Progressive’s handy rate tools and positive customer satisfaction help secure it as one of our best car insurance selections. Consumers can find options to save based on their own budget and driving habits with a Progressive policy anywhere in the U.S., backed by a financially strong company that earns high ratings from third-party agencies.
  • Why Progressive is best for digital policy management: Progressive provides several ways for drivers to save time and money by managing their policy online, such as its Snapshot app, which is a telematics program that monitors driving and offers discounts for safe driving. Even when first deciding what is the right policy for you, you can use its online Name Your Price tool to personalize your buying experience and review coverage options based on your budget. The Progressive mobile app offers instant access to review coverage, ID cards, bill payment and claims submissions.

Perks

  • Strong digital tools
  • Unique points-based rewards program
  • Two usage-based driving programs could help customize rates

Drawbacks

  • Higher-than-average rates
  • Customer satisfaction scores vary by region
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Progressive $507 $1,533 Read full Progressive Insurance review
Geico $343 $1,304 Read full Geico Insurance review
Direct-Auto $1,270 $3,750 Read full Direct-Auto Insurance review

View rate

Allstate

Allstate

Best car insurance company for high-value cars

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.0 top10carinsurance.com Score

J.D. Power: 876/1,000

AM Best: A+

AVERAGE ANNUAL PREMIUM
$2,390 for full coverage
Get a personalize quote

  • Why this company made our list:As the fourth-largest insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstate’s rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards and other great perks.
  • Why Allstate is best for high-value cars: Allstate is one of the few insurers that offer coverage for custom equipment. The company’s full coverage policies have a higher average cost compared to other carriers on top10carinsurance.com’s list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstate’s classic car insurance so the vehicle’s higher intrinsic value is accounted for in case of costly damage.

Perks

  • Classic or custom car coverage
  • Unique points-based rewards program
  • Two usage-based driving programs could help customize rates

Drawbacks

  • Higher-than-average rates
  • Customer satisfaction scores vary by region
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Allstate $520 $2,390 Read full Allstate Insurance review
State Farm $424 $1,381 Read full State Farm Insurance review
Geico $343 $1,304 Read full Geico Insurance review

Best car insurance company for high-value cars

  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

4.0 top10carinsurance.com score

J.D. Power: 876/1,000

AM Best: A+

  • Why this company made our list:As the fourth-largest insurer based on market share, Allstate has a long list of valuable coverage options that make it a standout option for many drivers, but especially for those with unique vehicles. Allstate’s rewards program adds additional benefits, allowing drivers to earn points toward hotels, gift cards and other great perks.
  • Why Allstate is best for high-value cars: Allstate is one of the few insurers that offer coverage for custom equipment. The company’s full coverage policies have a higher average cost compared to other carriers on top10carinsurance.com’s list, but drivers who have invested money into modifying their vehicles with the best sound equipment likely need more extensive coverage, which Allstate provides. Classic and antique car collectors can opt for Allstate’s classic car insurance so the vehicle’s higher intrinsic value is accounted for in case of costly damage.

Perks

  • Classic or custom car coverage
  • Unique points-based rewards program
  • Two usage-based driving programs could help customize rates

Drawbacks

  • Higher-than-average rates
  • Customer satisfaction scores vary by region
Car insurance company Average annual minimum coverage premium Average annual full coverage premium Learn more
Allstate $520 $2,390 Read full Allstate Insurance review
State Farm $424 $1,381 Read full State Farm Insurance review
Geico $343 $1,304 Read full Geico Insurance review

View rate

How much does car insurance usually cost?

When answering the coarse doubt “ how much is car policy, ” it ’ randomness important to know that rates are highly dependant on the personal rat factors and vehicle information drivers provide when submitting for a quote. nationally, wax coverage policies average $ 1,655 per year. “ Full coverage ” refers to a policy that includes indebtedness, collision coverage and comprehensive coverage. In addition to the coverage types and levels you choose, other factors will importantly influence your concluding cost. Insurers base car policy rates on a sensed floor of risk, which means that the follow factors ( and more ) can impact your agio :

  • Driving record: If you have a history of accidents, tickets or DUI convictions, you’ll likely pay more for coverage.
  • Age and driving experience: Younger drivers tend to have less experience on the road, which means accidents are more likely and rates are usually higher than average. Hawaii and Massachusetts ban the use of age as a rating factor.
  • State and city: Different states have different insurance laws, different accident statistics and different costs of living. Even your city and ZIP code (in most states) can influence how much you pay.
  • Coverage types and levels: Choosing fewer coverage types and lower limits will generally mean a lower premium, but it also means less financial protection and higher out-of-pocket costs if you have an accident.
  • Vehicle make and model: Each make and model of vehicle has unique features which impact the likelihood of accidents, the severity of accidents and the cost to repair the vehicle itself. Because of this, each vehicle will cost a different amount to insure.
  • Credit-based insurance score: In most states, your credit tier is used to determine how likely you are to file a claim. Drivers with lower credit scores generally pay higher premiums.
  • Insurance lapse history: Because most states require drivers to have at least minimum levels of coverage, lapses in insurance can result in higher premiums when you take out a policy again.

The board below shows the average rate for drivers with several different scenarios. Compared to the national average rate, you can see that different factors affect premiums differently .

Drivers with… $Average annual full coverage premium
A lapse in coverage $1,861

One speeding ticket $2,062
One at-fault accident $2,311
One DUI conviction $3,139
Poor credit $3.873

Why location matters when choosing car insurance

car insurance rates are based on several factors, and your city, country and ZIP code are among the most impactful. If you recently moved, it may be a good idea to compare companies to ensure that your cable car indemnity provider is placid the best fit for your needs. This is particularly true if you have moved across state lines, as car indemnity is not standardized across the nation. Adding a comprehensive review of your car policy coverage as separate of your moving checklist is a well way to remember this crucial measure. To view top10carinsurance.com ’ second picks for the best car policy in your state, select it from the postpone below.
Looking to save on auto insurance?

Looking to save on auto insurance?

Compare rates & save

What you need to know about car insurance

What is car insurance and how does it work?

car insurance is a form of fiscal protection that covers a kind of vehicle incidents that could affect you, your vehicle, or others and their vehicle.While most states require a particular minimum measure or type of coverage to be purchased, industry experts typically recommend having more robust fiscal protective covering to protect your finances in the event of a costly loss. Auto policies will cover certain incidents of injury, damage or indebtedness. Coverage limits can be set to satisfy your favored level of fiscal protection, though not all coverage types will apply in all states or for all policies. In addition, deductibles are specific to certain coverage types. Because a higher deductible means you are uncoerced to pay more if you file a title, selecting a higher deductible can lower your premium price. More than a twelve evaluation variables singular to each driver go into determining how much you pay for car policy. As each carrier uses different fink factors and weights when underwriting policies, comparing quotes from multiple insurers is frequently substantive in finding the most low-cost rate. While your accurate tied of coverage will depend on the policy you choose, filing a claim could potentially offer you a payout for loss caused by an uninsured motorist, weather event, happening of larceny or vandalism, or a battalion of other damage events. similarly, if you are involved in an accident with another driver and they are at demerit, their car indemnity could help cover your aesculapian expenses and property price ( depending upon the country ) .

What are the different types of car insurance coverage?

Most car indemnity companies offer like types of coverage, although variations do exist, particularly with endorsements, or “ add-ons. ” Some companies might offer gap coverage as an option, for example, while another company doesn ’ metric ton. Below are the types of car indemnity coverage that most companies offer : Almost always required by law
In most states, drivers are legally required to carry at least sealed minimum limits of these coverage types :

  • Bodily injury liability coverage pays for the injuries that you cause to others in an at-fault accident.
  • Property damage liability coverage pays for the damage you cause to another’s vehicle or other property (like a fence, pole or building) in an at-fault accident.

Sometimes required by law

  • Uninsured and underinsured motorist coverage pay for injury and damage caused by a driver who either lacks sufficient coverage or lacks any coverage at all. The Insurance Research Council’s latest study indicated one in eight U.S. drivers was uninsured in 2019.
  • Personal injury protection (PIP), also known as no-fault insurance and offered only in certain states, pays for medical expenses you and your passengers incur following an accident, regardless of fault. It also accounts for non-medical expenses incurred as a result of an accident, such as lost wages or the cost of childcare. PIP is typically required in no-fault states.
  • MedPay is similar to PIP insurance coverage but includes only payments for medical expenses. It is required in some states and optional in others.

Required if you have a loan or lease
If you finance or lease your car, your fiscal institution will likely require that you have a “ full coverage ” policy, which includes the be coverage types and adds coverage for damage to your vehicle :

  • Collision coverage pays for damages to your vehicle caused by a collision. If you collide with another car, a tree, a pole, a building or a pedestrian, your collision coverage is the part of the policy that will pay for the damage to your vehicle.
  • Comprehensive coverage pays for damage to your car caused by non-collision losses like theft, vandalism and storm damage. Comprehensive also pays for damages caused by hitting an animal and cracked windshields. According to the Triple-I, approximately 80% of drivers carry this optional coverage.

however, there are more types of car indemnity coverage available to you that may be worth discussing with your insurance company. additionally, each state has its own cable car insurance laws and each driver has a alone site. Talking with a accredited agent can help you determine the best coverage types and limits for your needs .

What are the different types of car insurance discounts?

last, most major car insurers offer the follow car insurance discounts that might help you lower your premium :

  • Multi-policy, sometimes called multi-line or bundling, could earn you a discount on each policy you insure with the same company. This discount is common for insuring both a home and auto policy but is also sometimes offered for having other policies as well, like renters insurance, pet insurance or life insurance..
  • Multi-car discount could save you money if you insure more than one vehicle on the same policy.
  • Claims-free is commonly offered if you do not have any losses on your driving record for three to five years.
  • Good student discount is usually available for full-time students under the age of 25 who have a certain grade point average or letter-grade average.
  • Telematics programs are becoming more common with many car insurance companies. These usage-based insurance programs track your driving patterns with a mobile app or plug-in device. The safer you drive, the more you might save.

Keep in mind that indemnity regulations vary by state. This means that some coverage types and discounts may not be available where you live .

Frequently asked questions

    • car insurance is required in all U.S. states ( except New Hampshire and Virginia ) american samoa well as Washington, D.C. Virginia drivers who forgo car coverage must pay a $ 500 uninsured drive fomite tip. To help avoid fiscal straiten after accidents and other report events, policy experts typically recommend purchasing limits in overindulgence of your department of state minimal level. Working with an agent could help you decide how much coverage to buy .
    • by and large, the more accidents you have on your record, the higher your agio will be.Car policy companies often use a comprehensive Loss Underwriting Exchange ( C.L.U.E. ) report and motor vehicle report ( MVR ) to help determine rates. These reports include information regarding your prior accidents, traffic violations, license status, claims history and other apposite details of your driving history. however, many carriers offer accident forgiveness as an second. If you are involved in an accident, your car insurance company may “ forgive ” your incident rather of increasing your rates. Accident forgiveness doesn ’ deoxythymidine monophosphate transfer to other carriers, so that accident will probably affect your rates if you switch companies .
    • We found that Auto-Owners, USAA and Amica have some of the cheapest average rates, but the cheapest cable car insurance company will depend on your alone rat factors. Each caller has its own rat algorithm, which means that even the like coverage will cost different amounts with different companies. Shopping around could help you find the lowest-priced policy for you.

    • Having the best car indemnity coverage can be an important component of establishing fiscal peace of mind for you and your syndicate. While state requirements vary, it is about constantly a safe stake to have an appropriate degree of coverage to protect your money and assets. John Colletti, adjunct business professor at north Central College, recommends beginning the task of learning the important function car policy plays in providing fiscal auspices a early as you can drive. “ As families discuss a child ’ s adjustment to driver education class, include a talk explaining monetary considerations and crucial terms to improve fiscal literacy, ” Collettti says. He explains that doing thus can help young drivers grasp the concept of fomite ownership and other important topics that impact your fiscal health .
    • How much car insurance you need will depend on your flush of gamble allowance, adenine well as the assets you need to protect. Your driving profile, including your accident history, the type of vehicle you have, and the phone number and ages of the drivers on your policy can besides impact your decision, as can the cost of know in your area. Buying enough coverage to protect your finances but not thus a lot that your budget is strained is the sweet topographic point. Working with an agent can be helpful when calculating the right come of coverage for you .

Leave a Reply

Your email address will not be published. Required fields are marked *

%d bloggers like this: