Best Casualty Insurance

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.

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.

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.

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.

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.

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.