Best Car Insurance Companies in the United States

The top car insurance companies in USA provide their clients with more than simply the desired level of coverage at reasonable rates. Some insurers also offer a customer-focused experience, including a simple manner to handle payments and policy management.

Car insurance coverage typically includes the following seven elements:

• Liability insurance 
• Uninsured/underinsured motorist coverage
• Comprehensive coverage
• Collision coverage
• Medical payments coverage
• Personal injury protection (PIP)
• Guaranteed asset protection (GAP)

According to the most current Car Insurance Database Report from The National Association of Insurance Commissioners (NAIC), the average price of car insurance in USA is $1,539. But, a number of factors, such as the following, could result in your premium being higher or lower:

• Age
• Driver record
• Location
• Type and amount of coverage
• Credit score
• Available car insurance discounts

To pinpoint the best car insurance companies in USA, we looked at customer complaints data, consumer experience, and financial strength. Based on these factors, below are our top auto insurance companies in USA:

NJM

New Jersey Manufacturers Insurance, also known as NJM, offers all the regular auto coverage options in addition to extras like new car replacement coverage and pet coverage, which covers veterinary expenses in the event that your pet is hurt in a covered motor accident. In the event that your automobile is stolen or wrecked, you can also purchase gap insurance to assist with loan repayment.

Pros

• Low average rates
• Big list of special offers
• Sold by regional brokers
• Low-quality private traveler Index of NAIC Complaints
• Potential distributions of dividends to New Jersey policyholders

Cons

• Available only in 5 states
• No mobile app exists to manage policies

American Family

There are several different forms of optional car insurance offered by the American Family, and the company receives relatively few customer complaints. Even if their auto insurance premiums are simply average, this makes them stand out.

Pros

• There aren't many complaints concerning auto insurance reported to state insurance departments
• Expenses for drivers with DUIs are reasonable
• Offers a disappearing deductible and accident forgiveness
• American Family offers gap insurance for new automobile owners
• provides auto insurance for non-owners
• American Family offers ridesharing insurance to Lyft and Uber drivers

Cons

• Not available nationwide, just in 19 states
• Has merely average rates for good drivers' auto insurance

Auto-Owners

The ease and savings of bundling their insurance plans with Auto-Owners, which provides a wide range of coverage options and minimal customer complaints, may be advantageous to people who require multiple insurance policies.

Auto-Owners also offer advantages to clients, including waiving your deductible in certain cases. In the event that you collide with another Auto-Owners customer, the insurance company will pay your collision deductible. If you have house and auto insurance through the same provider and file a claim for the same covered damage, it will also waive or lower your auto insurance deductible.

Pros

• Provides a large selection of products with the option to bundle
• Fewer complaints than competing businesses
• Offers a decreasing deductible and accident forgiveness
• Gives a decent discount of 14%, on average, for fully paying for a car insurance policy
• There are options for gap insurance and new vehicle replacement coverage

Cons

• Only available in 26 states
• There are no online quotes available

Nationwide

Nationwide provides reasonable car insurance prices for specific types of drivers along with a wide selection of practical add-on coverages. The level of complaints against it for auto insurance is relatively low, making it a firm to check out if you're shopping for auto insurance. Interestingly, Nationwide provides drivers who wish to perhaps cut their expenses based on real driving with both a usage-based insurance scheme and a pay-per-mile option.

Pros

• Provides good drivers with the usage-based insurance policy SmartRide
• Provides low-mileage drivers with a pay-per-mile insurance program (SmartMiles)
• When a teen driver is added to a policy, the insurance prices are reasonably good
• Premiums that are comparatively low for drivers with bad credit
• Provides choices to customize insurance, including accident forgiveness, new car replacement, and disappearing deductibles

Cons

• Recent J.D. Power studies show that vehicle insurance customers are less satisfied than the average
• Does not offer auto insurance coverage in every state

USAA

For drivers with a variety of driving histories, USAA offers vehicle insurance with fairly reasonable premiums. If you are eligible, USAA is worth looking into. To be qualified for USAA auto insurance, you must be a service member, veteran, or family member of a military member.

Clients have access to a variety of coverage options, advantages, and discounts, as well as special situations like deployment for active-duty personnel.

Pros

• Low average rates
• Military-focused options for coverage
• Provides the telematics service SafePilot
• Offers new car replacement and accident forgiveness
• Provides a rideshare insurance option

Cons

• Available to military personnel, veterans, and close family
• Fewer alternatives for specialized coverage than other carriers
• Only digital and telephone access is available for managing policies and claims
• Not all states have SafePilot available to them.
• Offers no 24/7 client service

Geico

Geico's high Bankrate Score is a result of its protracted history as a reputable, well-known vehicle insurer. Any sort of driver can be covered, making its auto insurance coverage widely available, even to customers with a checkered driving record.

Geico is a desirable choice, especially as inflation squeezes household budgets and auto insurance rates keep rising, thanks to its cheap average premiums and an extensive list of discounts.

Pros

• A possibility for high-risk drivers
• Robust mobile and digital tools
• Provides a variety of discounts
• Lower rates than average for the majority of driving profiles
• Provides the DriveEasy telematics program

Cons

• Fewer alternatives for coverage than the majority of rivals
• Less local agents available in person when compared to other car insurance providers
• Compared to other carriers, fewer supplementary products are available

Travelers

About 150 years have passed since Travelers first entered the auto insurance business. It is a great alternative for drivers countrywide because of its extensive network of independent agents, many endorsement options, substantial savings prospects, and solid financial history.

There are numerous methods to tailor Travelers' insurance to particular requirements. Extras like new car replacement, accident forgiveness, ridesharing coverage, and gap coverage could result in higher rates but offer more comprehensive financial protection against a variety of unforeseen events.

Pros

• National network of independent agents
• Competitive discounts
• A variety of policy alternatives
• Better AM's highest ranking for financial strength
• Less frequent private passenger Index of NAIC Complaints

Cons

• Illinois and Colorado are the only states that offer ridesharing coverage
• Exclusively accessible in Washington, D.C., and 42 other states
• Total NAIC complaint index above average

Amica

Amica received the top overall score in the most recent J.D. Power claims satisfaction study. Moreover, customer service agents are on call around-the-clock to assist policyholders. Amica also provides a wide range of savings and coverage options to help you customize your policy.

Pros

• Higher-than-average J.D. Power asserts a satisfaction rating
• Strong coverage options are offered by the Platinum Choice auto plan
• There are special optional dividend policies available
• Lower-than average rates
• Online live chat option available

Cons

• There is no ridesharing insurance option available
• Inaccessible in Hawaii
• A little higher than usual Private passenger automobile NAIC Complaint Index
• Not many local offices

Progressive

With the help of Progressive's Snapshot app, a usage-based telematics program that tracks driving and rewards safe driving with discounts, drivers can manage their policies online and save time and money. You can customize your purchasing experience and explore coverage options based on your budget by using its online Name Your Price feature while choosing the best policy for you.

Pros

• Strong digital tools
• Choices for coverage for various types of cars
• There are numerous opportunities to save money
• may provide solutions for drivers who pose a risk
• There are SR-22 filing options

Cons

• Prices between agency and internet quotations may differ
• NAIC Complaint Index for Private Passenger Automobiles little above average
• For unsafe drivers, the Snapshot telematics program may increase rates

State Farm

State Farm's reach and reputation place the company among the top auto insurance providers for drivers in most states, even though Progressive is the largest national auto insurer based on market share.

For consumers who seek knowledgeable advice when reviewing their policy, State Farm has more than 19,000 licensed insurance specialists available in local areas all around the country. Digital management solutions enable an on-the-go strategy, including a smartphone app where you can submit car claims and get in touch with your agent.

Pros

• A vast network of specialized local agents
• Strong financial stability
• Young drivers may save money with the Steer Clear Teen Driver program
• Provides the Drive Safe & Save telematics program

Cons

• Not available in all 50 states
• Forgiveness for mistakes must be "earned"; it cannot be purchased
• Car plans typically have durations of six months, which means premiums could rise twice a year

The majority of Americans must pay for car insurance because it is against the law to drive without it and there are few public transportation options outside of large American cities. The top car insurance companies in USA include costs, options for coverage, discounts, third-party ratings, and digital tools that are tailored to your particular requirements.