Top Car Insurance Companies in the USA
When it comes to choosing car insurance, finding the right company can make a significant difference in terms of coverage, customer service, and cost. Here are some of the top car insurance companies in the USA, along with their rates and reviews. These companies offer a range of coverage options from basic liability to comprehensive plans, often tailored with add-ons such as roadside assistance or rental reimbursement. For the best plan, it’s advisable to get quotes and compare based on individual needs and location.
USAA
Exclusively available to military members and their families, USAA provides high customer satisfaction scores and some of the lowest average premiums in the industry
- Rating: 4.9/5
- Average Annual Rate: $1,335
- Pros: Outstanding customer service, top-notch claims handling, and a variety of discounts. Exclusively available to military members, veterans, and their families.
- Cons: Not accessible to the general public.
Auto-Owners
- Rating: 4.7/5
- Average Annual Rate: $1,619
- Pros: High customer satisfaction, strong claims handling, and competitive rates.
- Cons: Only available in 26 states.
Nationwide
Well-regarded for flexible policies and good customer service. It offers features like vanishing deductibles and coverage options for classic cars
- Rating: 4.1/5
- Average Annual Rate: $1,621
- Pros: Broad selection of coverage options, attractive rates, and minimal complaints.
- Cons: Coverage limited to 46 states and Washington, D.C., excluding Alaska, Hawaii, Louisiana, and Massachusetts.
State Farm
The largest auto insurer in the U.S., popular for broad coverage options and competitive pricing. It also stands out for accident forgiveness and excellent digital tools
- Rating: 4.0/5
- Average Annual Rate: $2,150
- Pros: Robust network of agents, extensive coverage options, and reliable customer service.
- Cons: Premiums are generally higher than those of some competitors.
Geico
Renowned for its affordable rates and wide availability across the country. It often ranks highly for ease of use and customer satisfaction
- Rating: 3.9/5
- Average Annual Rate: $1,778
- Pros: Competitive rates, good customer service, and strong online presence.
- Cons: Some complaints about claims handling.
Allstate
Offers comprehensive policy options and various add-ons like accident forgiveness. Allstate’s extensive agent network and digital tools add to its appeal
- Rating: 3.8/5
- Average Annual Rate: $1,800
- Pros: Comprehensive coverage options, strong network of agents, and good customer service.
- Cons: Higher rates compared to some competitors.
Progressive
Known for innovative offerings such as its Snapshot usage-based program, which rewards safe driving with discounts. It has competitive rates and a broad range of coverages
- Rating: 3.7/5
- Average Annual Rate: $1,900
- Pros: Competitive rates, good customer service, and unique discounts.
- Cons: Some complaints about claims handling.
Farmers
Offers a range of discounts and coverage options, appealing especially to those seeking customizable policies
- Rating: 3.6/5
- Average Annual Rate: $1,950
- Pros: Extensive coverage options, reliable customer service, and a solid network of agents.
- Cons: Premiums are generally higher than those offered by some competitors.
American Family
- Rating: 3.5/5
- Average Annual Rate: $1,950
- Pros: Good customer service, comprehensive coverage options, and strong network of agents.
- Cons: Higher rates compared to some competitors.
Erie Insurance
- Rating: 3.4/5
- Average Annual Rate: $1,800
- Pros: Good customer service, competitive rates, and strong network of agents.
- Cons: Some complaints about claims handling.
