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It’s easy to see why some casualty insurance is imperative, but finding the best casualty insurance can be tricky, depending on the type of insurance you want and the level of coverage you need to feel protected. If you're found liable for someone else’s injuries, property damage, or loss, everyday circumstances can become financial disasters without casualty insurance coverage. You could be left covering the expenses out of your own pocket.
We've sifted through more than 20 insurance carriers to help with your search and find the best insurance companies for you. We've compared the cost and coverage availability along with financial strength ratings, accessibility, consumer satisfaction reports, and product availability.
Best Casualty Insurance for 2023
- Best Overall: State Farm
- Best Value: Allstate
- Best Auto Coverage: GEICO
- Best Homeowners Coverage: Amica Mutual
- Best Renters Coverage: Lemonade
- Best Business Coverage: The Hartford
- Our Top Picks
- State Farm
- Amica Mutual
- The Hartford
- See More (3)
Best Overall : State Farm
- Where available: All states and Washington D.C., but not all products and services are offered everywhere
- Resources online: Claims, quotes, and guides, but no policy purchases
- Local agents: Yes
We picked State Farm as the best casualty insurance company overall due to its consistently high satisfaction ratings and a wide variety of policy types that are offered across the country.
Available in all states and the District of Columbia
Many policy types offered
Top consumer satisfaction ratings
Online quotes, guides, and resources
Policies managed by local agents
Discounts not available in all states
Founded in 1922, State Farm is a well-trusted name in the insurance industry, insuring more homes and vehicles than any other U.S. insurance carrier. The company offers various casualty and property coverage options so you can blend policies to create the coverage you need.
State Farm’s options include home, renters, condo, auto, life, boat, motorcycle, motorhome, ATV, liability, health, small business, and disability insurance. State Farm holds an A++ financial strength rating from AM Best—the highest possible—and earns consistently high consumer satisfaction ratings, even taking sixth in the J.D. Power 2022 U.S. Home Insurance Study.
We named State Farm as our overall pick for casualty insurance thanks in part to these habitually high ratings. It offers policies in all 50 states and Washington, D.C., so coverage is accessible to customers everywhere. It’s important to note, however, that not all its products, services, or discounts are available in every state.
Quotes for many different policies can be obtained online or by contacting a local State Farm agent. You’ll also have to purchase your coverage through one of these independent agents. You can't buy it online. Customers can save money by bundling multiple policies together, but State Farm is more limited in terms of stand-alone discounts than some other carriers.
Claims can be filed online, in the State Farm mobile app, or through your local agent. You can find many answers online through State Farm’s comprehensive resource library if you need help with your policy or adding coverage. You also can contact State Farm customer service or reach out to your local independent agent.
Best Value : Allstate
- Where available: All states
- Resources online: Some quotes; claims
- Local agents: Yes, large network
Along with a variety of policy types and coverage in all 50 states, Allstate gives its customers the ability to save up to 25% by bundling certain insurance policies together, earning this carrier our top nod for value.
Offered in all 50 states
Many policy types to choose from
Save up to 25% by bundling
Need to work with a local agent
Online quotes not available for everyone
Allstate is a highly rated carrier offering a variety of casualty insurance products across the U.S. In fact, Allstate was the largest publicly-held personal lines insurer in the country in 2022, providing trusted coverage since 1931. It holds an A+ (Superior) financial strength rating from AM Best. It also ranked eleventh out of 19 carriers in the 2022 J.D. Power U.S. Home Insurance Study, and fifth in the 2022 U.S. Auto Claims Satisfaction Study.
Consumers can purchase many different policies through Allstate, including casualty and full coverage protection if desired. The policies offered include auto, home, renters, condo, motorcycle, off road, roadside, business, and life insurance.
There are many cost-saving opportunities no matter which type of coverage you need, and you can save up to 25% on your premiums by bundling certain policies together. This is why we picked Allstate as the best casualty insurance if you’re looking for value.
Homeowners can take advantage of claims-free and responsible payment discounts. Drivers can save with student, good driver, new car, paper-free billing, and early signing discounts, and renters who are retired and 55+ can get a discount. Allstate also offers savings just for holding more than one of these policies.
While you can get quotes online for some Allstate products, you’ll have to work with an agent in order to personalize and purchase coverage. Allstate has a large network of Agency Owners and Licensed Sales Professionals nationwide, making it easy to find someone to work with. Most claims can be filed online through the easy-to-use Allstate app or directly with your agent.
Best Auto Coverage : GEICO
- Where available: All 50 states and Washington D.C.
- Resources online: Claims; policy purchases
- Local agents: Limited in some areas
With top customer satisfaction ratings, a slew of discounts, 24/7/365 customer service, and a range of vehicles that can be covered, GEICO easily wins our pick for the best auto casualty insurance.
Excellent third party and customer ratings
Customer service available 24/7/365
Coverage offered for many vehicle types
Variety of discount options
Coverage can be purchased online
Available in all 50 states and Washington, D.C.
Gap coverage not offered
Accident forgiveness not available in every state
Agents can be limited in some areas.
Easily snagging our top spot for the best auto casualty insurance is GEICO, a carrier that's been offering coverage since 1936. GEICO has written more than 17 million policies to customers across the country and operates in all 50 states and Washington, D.C. It offers more than just car insurance, but its reputation for trusted auto coverage, claims satisfaction, solid discounts, and customer service accessibility make it an obvious choice for drivers everywhere as one of the best car insurance companies around.
The company also ranked above average in J.D. Power’s 2022 Customer Satisfaction rankings. It holds an A++ (Superior) financial strength rating from AM Best, the highest rating possible.
Drivers can buy casualty insurance policies for their cars as well as their motorcycles through GEICO, as well as for RVs, boats, ATVs, and collector cars. Gap coverage is not offered through this carrier as of 2023.
There are many discounts to choose from, and GEICO offers accident forgiveness to drivers in many states. You can buy a policy online or through a local agent, but some areas may have a limited number of agents available. Claims can be reported and tracked online, through the mobile app, over the phone, or with your agent.
Best Homeowners Coverage : Amica Mutual
- Where available: Not available in all states
- Resources online: Claims, quotes, and policy purchases
- Local agents: None, but 24/7 customer service by phone
Our pick for homeowners casualty insurance, Amica Mutual earns top customer service ratings, provides a wide array of discounts, and even links customers to a network of trusted contractors for their various home improvement projects.
Top consumer and claims satisfaction ratings
Provides annual dividends to customers
Online quotes offered
Variety of discount options
24/7 customer service
Not available in all states
Some services and benefits not available in all states
No local agents
Amica Mutual was founded in Rhode Island in 1907 and is the oldest mutual auto insurer in the U.S. It also offers homeowners coverage and insurance for renters, condos, life, small business, motorcycles, boats, events, and pets. Consider the coverage available from our top homeowners pick if you’re shopping around for a homeowners insurance policy.
Amica Mutual offers affordable casualty insurance for homeowners that consistently receives high ratings. It pays out dividends to eligible customers and provides many opportunities for discounts and bundling. Discounts include loyal customer (two years or more), signing up for autopay, having certain equipment in your home (sprinklers, burglar alarm system, fire alarms), or purchasing a new or remodeled home.
Homeowners' coverage is not offered in Alaska or Hawaii, and certain features and coverage options aren't available in some states. You can reach Amica customer service 24/7, and it provides quotes online or over the phone. But there are no local agents, so you may want to go with a different provider if you prefer an in-person experience.
The company has received an A+ (Superior) financial strength rating from AM Best, as well as top marks in J.D. Power’s annual U.S. Home Insurance Study 20 times out of 21 beginning in 2001 and through 2022.
Best Renters Coverage : Lemonade
- Where available: 28 states and Washington D.C.
- Resources online: App-based claims, quotes, and policy purchases
- Local agents: None
Lemonade uses AI technology to offer easy-to-manage renters insurance coverage starting at only $5 a month and it earns top marks for customer satisfaction.
Renters insurance starting at $5 per month
High customer satisfaction ratings
App based and easy to manage
Excess profits are donated to chosen causes.
90 seconds to buy coverage
Three minutes to get paid out for claims
Available in only 28 states
Limited coverage and bundling options
No agents available
Lemonade has aimed to disrupt the traditional renters and homeowners insurance model since its introduction in 2015. Policies are managed through a top-rated mobile app and provide instant protection for customers looking for renters, homeowners, condo, or co-op insurance, and even pet coverage, all at an excellent price.
We chose Lemonade as our top pick for renters' casualty coverage because it offers policies starting at only $5 a month. Claims are simple to file and pay out instantly, and the carrier receives top marks in customer satisfaction. Its mobile app makes it easy to buy or manage your policy, file a claim, and even cancel coverage day or night.
You can purchase a policy in about 90 seconds online, and approved claims are paid out in as little as three seconds. Claim payments are issued directly to your bank account, minus your deductible.
Online quotes can be obtained in just minutes from your computer or smartphone. But Lemonade has no agents if you prefer working with a real-life person to manage your policy. Customer service is limited to emails, although the insurer does provide a phone number for emergencies or when you’re unable to access your policy by computer or phone. There's not a dedicated toll-free number for everyday questions, however.
Lemonade is not yet rated by AM Best, but the company has been awarded an A (Exceptional) rating from Demotech for financial stability. Lemonade also ranked second-highest for satisfaction among renters insurance providers in the 2022 J.D. Power U.S. Home Insurance Study.
Lemonade renters insurance was available in 28 states and Washington, D.C. in 2023: Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Virginia, Washington, and Wisconsin.
Best Business Coverage : The Hartford
- Where available: 48 states and Washington D.C., but not all policies are available in each state
- Resources online: Quotes, policy purchases
- Local agents: Yes
Our top choice for business casualty insurance is The Hartford, which offers the ability to purchase up to $4 million in liability protection online with a range of coverage options.
Aggregate liability coverage up to $4 million
Online quotes offered
Policies can be purchased online or through an agent.
Higher priced than many competitors
Below-average industry ratings
The Hartford has been providing a range of insurance coverage to millions of customers since 1810. It offers everything from auto, home, and umbrella coverage to small business insurance protection that you can purchase online in minutes.
The Hartford offers three categories of coverage for small business owners: general liability, business property insurance, and business income protection. It also sells a business owner’s policy (BOP) that includes all three coverage types. General business liability protection is offered up to $2 million per occurrence and $4 million as the aggregate. Policies can be purchased online or through an agent.
Business casualty insurance from The Hartford can help owners protect their assets with coverage for professional liability, worker’s compensation, general liability, umbrella, auto, and credit/political risk. Policies are available in 48 states and Washington, D.C., but not all coverage types (and policy limits) are available in all states.
Claims satisfaction ratings posted on The Hartford’s own website are high—4.8 out of 5 stars from almost 1,000 customers—but the company was ranked last in the J.D. Power 2022 U.S. Small Commercial Insurance Study.
We chose State Farm as the best overall casualty insurance provider because it offers so many policy options all over the country, allowing you to blend coverage for maximum protection. It provides a good selection of services online, although you must visit an agent to purchase coverage. That said, those agents are top of the line. State Farm's customer satisfaction ratings are consistently excellent.
Compare the Best Casualty Insurance Providers
|Our Top Category||Notable Benefits and Features|
|Wide variety of policy types offered, online resources and guides available, with top-rated consumer ratings|
|Offers a number of discount and bundle options with many coverage types to choose from|
Best Auto Coverage
|Top-rated coverage available for drivers in all 50 states|
Best Homeowners Coverage
|Earns high customer service ratings, provides online quotes, and connects customers with a network of trusted contractors|
Best Renters Coverage
|Coverage can be purchased online in 90 seconds, premiums start at $5 a month, and claims are paid immediately|
Best Business Coverage
|Online quotes are offered, and up to $4 million in business liability coverage can be purchased in just minutes|
Frequently Asked Questions
What Does Casualty Insurance Mean?
Casualty insurance covers consumers when they're deemed to be liable or responsible for certain expenses. Rather than covering the cost of property damage or paying medical bills out of their own pockets, casualty insurance can step in to pay a portion (or all) of these expenses for policyholders.
This type of coverage is different from comprehensive or personal property insurance. Casualty insurance coverage is meant to cover expenses incurred by others, whether you’re in an at-fault accident, if someone is injured in your home, or your business is sued for damages.
What Is Included in Casualty Insurance?
Casualty insurance protects consumers from damage, loss of others’ property, and related expenses for which they're found liable. Depending on the type of policy, this could include property and physical damages stemming from an at-fault car accident or personal injuries that occur on your property.
How Much Does Casualty Insurance Cost?
The cost of casualty insurance depends on the type of policy you've chosen: homeowners, auto, renters, motorcycle, or something else. It also depends on personal factors such as your age, location, and coverage limits. There's no golden standard for how much casualty insurance costs, but consumers can purchase renters coverage for as low as $5 per month, while the average auto casualty insurance premiums vary depending on the state.
Your best bet is to shop around and get quotes from multiple, trusted carriers to see which will provide you with the best coverage at the lowest rates.
What Are the Three Major Types of Casualty Insurance?
Common casualty insurance types include vehicle coverage, coverage for financial loss to due theft, and liability insurance, which covers you and pays out if you're found to be responsible for injuring someone or for damage to their property. Vehicle insurance covers you if you're the at-fault driver in an accident. Casualty insurance is available to businesses as well as to individuals.
We looked at more than 20 insurance companies to provide you with a reliable list of the best casualty insurance carriers. We compared the company’s operational history, product availability, financial strength ratings, the price of casualty insurance coverage, and consumer reviews over time. We also considered the ease with which you can obtain a quote, purchase coverage, and manage your policy.
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