Best Car Insurance Companies

Find the car insurance that fits your coverage & needs

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Why should you carry auto insurance? Well, for one thing, it's mandated in just about every state in the union (and the two that currently don't require insurance, New Hampshire and Virginia, deem you responsible for covering any bodily injury or property damage caused by a car you own). Like many other types of insurance, even if it wasn't required by law, the peace of mind that car insurance coverage provides spans from sea to shining sea.

However, not all car insurance policies are the same, and each car insurance company offers something unique to its customers. When comparing providers, it’s important to look at the entire picture, including customer service, coverage options, discount offerings, and even the digital experience the company’s website offers. 

We considered all of those factors (and more) while also analyzing ratings from agencies like J.D. Power and publications like U.S. News & World Report to compile a list of the best auto insurers in the industry.

Based on our findings, here are a quintet of companies that we feel represent the best in the industry for rates and discount offerings, military families, personalized experiences, claims satisfaction, and high-risk drivers. We selected the following as the five best car insurance companies.

Best Car Insurance Companies:

  • GEICO: Best Rates & Discounts
  • USAA: Best For Military Families
  • State Farm: Best Personalized Experience
  • Amica Mutual: Best For Claims Satisfaction
  • Allstate: Best For High-Risk Drivers

GEICO: Best Rates & Discounts

Geico

Its satiric ads can be head-scratchers, but GEICO does offer impressive discounts, excellent customer service, and some of the lowest premiums in the industry. A well-designed, highly efficient website and mobile app also cause the company to stand out among bargain-rate carriers.

Coverage

GEICO's extensive coverage options include:

  • Liability coverage
  • Collision and comprehensive
  • Personal injury protection
  • Uninsured motorist coverage
  • Guaranteed Asset Protection (GAP) insurance
  • Mechanical breakdown insurance
  • Rideshare insurance
  • Emergency roadside assistance
  • Rental car reimbursement

In addition to covering cars, GEICO provides policies for a variety of vehicles: motorcycles, all-terrain vehicles (ATVs), boats, and RVs. The company also offers other types of coverage, like homeowners and renters insurance, that you can bundle with your auto insurance.

Discounts

Another of GEICO's big strengths is the breadth and variety of its discount options. Some of the breaks are if the car has:

  • Airbags
  • Anti-lock brakes
  • Anti-theft system
  • Is a new vehicle

Other breaks relate to you and your behavior. You might qualify for a discount if you are a:

  • Good driver
  • Seat belt use
  • Educated driver
  • Student
  • Federal employee
  • Member of the military

The company also partners with hundreds of groups, associations, and corporations to provide special rates for members or employees. GEICO also awards discounts for customer loyalty: There are multi-vehicle and multi-policy discounts. Some of the above-mentioned breaks increase the longer you retain your GEICO insurance coverage.

Digital Experience

In addition to their great discount offerings, one of the other reasons why people love GEICO is because of its nd mobile app. Although many car insurance companies have gone digital, Geico is on the cutting-edge when it comes to communication, provides state-of-the-art online tools and ease of service through both the company website and mobile app.

As the slogan says, GEICO offers a quick quote process through their website. Once you enroll with GEICO insurance, you can manage your policy and make changes 24/7 through the online customer portal. You can also file claims or check the status of pending claims, receive quotes for adding new drivers or vehicles to your policy, and more.

The GEICO mobile app is the #1 rated car insurance app by Dynatrace, which ranks digital tools of financial service companies. Through the GEICO app, you can request emergency roadside assistance, view digital insurance ID cards, report a claim (or track existing claims), and receive virtual assistance. Its Mobile Vehicle Care feature, a joint venture with CARFAX, allows you to view repair costs, vehicle recalls, and service history for your vehicle.

Customer Satisfaction

GEICO consistently receives high ratings by both its customers and industry experts. In fact, the company maintains an A+ rating with the Better Business Bureau (BBB) and an A++ rating in financial strength with A.M. Best. Furthermore, J.D. Power consistently ranks GEICO high for customer satisfaction.

Our Verdict on GEICO

If you’re looking for a great car insurance company that offers competitive rates and a lengthy list of incredible discounts, then GEICO is definitely the best choice for you. Furthermore, some of the amazing features in the GEICO mobile app really make this company stand out from the rest of the top insurance providers across the country.

USAA: Best For Military Families

USAA

If you or a family member has or has had military ties, then the car coverage offered by USAA is hands down your best choice. The well-regarded financial institution, which is open to armed services members (active or retired) and their immediate kin (spouses, children), offers some of the lowest premiums in the industry, along with sterling customer service.

Coverage & Discount Options

Like those of most other auto insurance carriers, USAA's policies offer:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive coverage
  • Uninsured motorist coverage
  • Personal injury protection and medical payments

Additionally, USAA offers rideshare coverage for Lyft and Uber drivers, 24/7 roadside assistance and towing coverage. USAA customers can also bundle their car and homeowners policies, or select other coverages like life insurance, renters or condo insurance, or boat insurance.

When it comes to discounts, USAA offers:

  • Safe driver discounts
  • Student discounts for drivers under 21
  • Multi-vehicle and multi-policy discounts
  • Base and storage discounts
  • Mileage-based discounts
  • Return customer discounts

Current military personnel who live on base or end up deployed overseas can receive discounts for upwards of 60%. Additionally, USAA offers accident forgiveness if you go accident-free for five years or if you end up in any accidents where you are deemed not at fault.

Digital Experience

Believe it or not, USAA actually offers a great digital experience through the USAA website and mobile app. Through the USAA website, customers can use the free quote tool and receive rates without even providing an email address or phone number. The site also includes lots of information about coverage options, planning and calculating tools, and general insurance and money management advice. The USAA mobile app also provides secure access for customers to pay their bill, access digital ID cards and insurance policies, or even start the claims process. 

When it comes to the claims process, USAA makes it easy for you to complete the entire process digitally, which is great for people on the go. When you end up in an auto accident, you can simply go to the USAA website or open the mobile app and file your claim. If additional information is needed, a claims adjuster will notify you via text message or email. Furthermore, you can upload images of the damage and other needed information through the site or app to attach to your claim.

Customer Satisfaction

When it comes to ratings, USAA car insurance receives top marks. In fact, J.D Power listed USAA as a top choice in their 2019 U.S. Auto Insurance Study, and U.S. News & World Report also listed the company as their top pick on their review of the Top Insurance Companies in 2020. USAA also receives top marks for financial strength from A.M. Best rating services. Finally, The National Association of Insurance Commissioners (NAIC) reported USAA as having fewer customer complaints than the industry median.

Our Verdict on USAA

If you meet the criteria for USAA’s car insurance coverage, then you should definitely take advantage of it. The company offers great rates, impressive discounts for current members of the military, and a wonderful online experience.

State Farm: Best Personalized Experience

State Farm

Over the past century, State Farm has grown into a national name for a variety of insurance products, including car coverage. And—increasingly rare in this digitized, outsourcing age—it maintains a network of employees across the United States, meaning you always have access to a local State Farm agent for your insurance questions and needs.

Coverage & Discount Options

State Farm offers fairly extensive car insurance coverages like:

  • Liability coverage
  • Collision and comprehensive
  • Medical payments & Personal injury protection (PIP) coverage
  • Uninsured & underinsured motorist coverage
  • GAP insurance
  • Rideshare insurance
  • Emergency roadside assistance
  • Rental car & travel expense reimbursement

Additionally, State Farm offers coverage for other vehicles, like motorcycles, boats, and off-road vehicles. You can bundle your auto coverage with one of its other insurance policies.

When it comes to discounts, State Farm offers lots of options for safe drivers, safe vehicles, and customer loyalty. Bundling different insurance policies can save up to 17%, and multi-vehicle policies, up to 20%.

Digital Experience

In comparison to some of the other top insurance companies, State Farm is a bit behind when it comes to a streamlined digital experience. What that being said, State Farm started a partnership with SalesForce back in 2018 to enhance the online experience for its customers. Like most other insurance websites, you can now manage your account through the State Farm customer portal.

Customer Satisfaction

State Farm holds numerous awards and accolades for its customer service. J.D. Power's 2019 U.S. Auto Claims Satisfaction Study ranked State Farm seventh out of 25 insurance companies. Of course, what makes State Farm stand out are those local service agents, who get high marks for being efficient, knowledgable, and easy to reach (no dialing a 1-800 number, and enduring endless prompts and sitting on hold).

Our Verdict on State Farm

Although State Farm doesn’t offer as many digital perks as some other large insurance companies, the company does offer an extensive network of agents to help with your insurance needs anytime. Furthermore, State Farm is one of the oldest insurance companies in the industry and has a great track record with customers.

Amica Mutual: Best Claims Satisfaction

Amica

Amica Mutual has received the top spot on J.D. Power’s Auto Claims Satisfaction Study for multiple years in a row—including 2019. From low complaints to low premiums, it garners superlatives in several areas. We're singling it out as the best based on claims satisfaction.

Coverage & Discount Options

Like most other auto insurance companies, Amica offers all of the required and beneficial elective coverages you’d need: 24/7 roadside assistance, rental car reimbursement, and even glass coverage (repairing your windshield or windows, without incurring a deductible). Amica also offers an inclusive package called Platinum Choice Auto, which includes perks like accident forgiveness, the aforementioned glass coverage, identity theft monitoring, and premium rental car coverage. Customers can also receive referral and loyalty discounts.

Amica's rates are competitive. Although it doesn’t offer a huge amount of discounts, the company does have:

  • Safe vehicle discounts for airbags, anti-theft systems, and more
  • Multi-vehicle and multi-policy discounts
  • Loyalty discounts for customers who remain with Amica for 2+ years
  • Auto-pay and paid-in-full discounts
  • E-discount for customers who go paperless

Digital Experience

Overall, Amica’s website and mobile app are very basic and don’t do anything overly impressive. Still, they are easy to navigate, and you can do the standard tasks, like pay bills or access ID cards. Amica also allows its customers to file claims through the app and online. Customers can also request roadside assistance through the app.

Customer Satisfaction

Amica’s customer reviews are overwhelmingly positive. Furthermore, the company holds a complaint rating of 0.36 with the National Association of Insurance Commissioners, which is one of the lowest in the industry. Customers say that Amica handles claims quickly and efficiently and that customer service representatives are always available to answer questions.

Our Verdict on Amica

While Amica Mutual doesn’t offer any unique discounts or digital bells and whistles, their reputation for customer service and claims satisfaction speaks for itself. And their premiums aren't out of line; in fact, they rank among the lowest in the business. We highly recommend this company if you’re looking for a reliable vendor when it comes time to make a claim.

Allstate: Best For High-Risk Drivers

Allstate

If your driving record is less than stellar, Allstate can help you get back on track (and will provide incentives for you along the way). In fact, Allstate offers payments for every six months you drive without accidents and will cut down your collision deductible by $100 for every year you drive without any moving violations. This is why many high-risk drivers choose Allstate over other car insurance companies.

Coverage

When it comes to auto coverage, Allstate offers:

  • Bodily injury liability
  • Property damage liability
  • Collision and comprehensive coverage
  • Uninsured motorist coverage
  • Personal injury protection and medical payments
  • Umbrella insurance policies

What’s more, Allstate offers some unique items, such as rideshare coverage for Lyft and Uber drivers, classic car coverage for antique autos, Mexican travel insurance for those who drive across the border, and custom parts coverage for aftermarket equipment.

Discounts

Allstate's deals center around a mileage-based discount program called the Drivewise Program. Customers who use Drivewise receive a 3% discount just for signing up, and can earn as much as a 15% rate reduction for safe driving.

If you’re looking for more ways to save money, Allstate also offers:

  • New car discounts if you’re the first owners of a vehicle
  • Multi-car and multiple-policy discounts for customers who bundle policies
  • Student discounts for drivers under 25
  • Anti-lock brake and anti-theft discounts
  • EZ pay plan discounts for policyholders who use automatic payments
  • Allstate eSmart® discounts for policyholders who go paperless
  • FullPay® discounts for customers who pay their full premium instead of monthly installments
  • Safe driving discounts for policyholders who meet safe driver requirements

Digital Experience

Like State Farm, Allstate works through a network of local agents. You must utilize your agent to handle most of your car insurance needs, from taking out a new policy to changing policy details. 

With that being said, you can handle some items online or through the Allstate mobile app. In fact, you can file a claim 24/7 through the website or mobile app then follow up on the claim status online as well. Allstate’s website also offers a number of tools and digital resources for customers, which can help you find answers to questions without calling a local agent.

Customer Satisfaction

The BBB gives Allstate an A+ rating. As we looked through complaint logs, it appears that some customers disagree with Allstate’s conclusions of fault for accidents, while positive reviews note how much your agent can make a difference in the experience. This likely explains why Allstate’s ratings with J.D. Power are so different based on region: It ranks No. 1 in Florida, 3rd in Texas, 5th in New England, and an ignominious 14th (the bottom) in the Mid-Atlantic. When working with a company that uses independent agents, the agent you work with can make all the difference in your customer experience.

Our Verdict on Allstate

While Allstate may seem lacking in some areas, the company really shines in its discount offerings and willingness to accept high-risk drivers. Because of this, we highly recommend Allstate for any driver with a history of accidents or any other negatives on their driving record. In fact, we suggest you enroll in Drivewise and let your current record help reduce the rates that your past may currently influence.

What Coverage Options Are Available?

With some exceptions, most car insurance companies offer the following types of coverage:

  • Bodily Injury and Property Damage Liability, which pays for the other party's medical care and property damage if you’re found at fault in an auto accident.
  • Collision Coverage, which pays for damage to your own car regardless of fault.
  • Comprehensive Coverage, which pays for damage to your car in the event of weather damage or theft.
  • Personal Injury Protection/Medical Payments, which covers your own medical expenses regardless of fault.
  • Uninsured Motorist Coverage, which pays for your own medical and car repair bills if you are in an accident with an uninsured driver.
  • Guaranteed Asset Protection (GAP) Coverage, which covers the gap between what is owed on your car's lease or loan and its current value if the accident caused a total loss.

What Coverage Do I Even Need?

Many drivers go by the minimum coverage amounts set by their state's regulations because it seems like the most affordable option. However, it’s important to understand what precisely what is included in each policy, before selecting which coverages to add and which to leave off.

What Should I Do When Comparing Car Insurance Companies?

When comparing insurance rates between multiple insurance companies, it’s important to keep several considerations in mind, including the actual coverage you’re receiving (including dollar amounts for each coverage), available discounts, the company’s financial strength rating, and the company’s customer service ratings. Make sure you understand everything about how car insurance works before making your final decision.

The Bottom Line

When choosing a car insurance company, consider your needs and prioritize your choice based on what is most important to you. While GEICO offers the lowest rates across the board, other companies like Amica offer the best claims satisfaction, Allstate offers great coverage for high-risk drivers, State Farm offers the most personalized experience, and USAA gives amazing discounts to military personnel. 

Methodology

When determining our top car insurance choices, we evaluated each insurance company based on several categories, including: financial strength via A.M. Best, claims satisfaction ratings based on J.D. Power’s latest Claims Satisfaction Survey, and customer reviews from websites such as the Better Business Bureau, Consumer Reports, and more. We also complied comparison data from multiple consumer review websites. Our analysis is an excellent guide, but we encourage you to shop around and compare quotes before committing to a single car insurance provider.