Purchasing a new car is an exciting experience all over the world. But cars aren’t cheap, and Car insurance is legally required in most states to protect your investment. Car insurance covers your vehicle in the event of an accident and protects you from certain liabilities as a driver. To find the Best Car Insurance Companies, it’s important to look at financial strength, customer service reviews, coverage options, and the price of policies. The good news is, we used our proprietary Simple Score, to compare discounts, customer satisfaction, coverage options, digital accessibility, and customer support to rate and review the best car/auto insurance companies.
Below you’ll find a complete in-depth list of the best car insurance companies we’ve found.
The Best Auto / Car Insurance Companies 2020
- Amica Mutual – Best overall car insurance
- State Farm – Best for customer support
- Progressive – Best for discounts
- The Hartford – Best policy options
- Geico – Best for tech-savvy consumers
- USAA – Best for members of the military
- Erie Insurance
1: Amica Mutual
Amica Mutual is Earning the highest rating in the New England region in J.D. Power’s 2020 customer satisfaction report. It takes the spot for the best overall company on our list. Allowing consumers to urge a free quote online, Amica allows you to customize your coverage to satisfy your needs. The oldest mutual insurer overall the industry, it has also received the very best Consumer Reports rating among auto insurance providers since 1999.
Amica offers Consumer’s standard fare of auto coverage collision and uninsured motorist. Along with extra features that you won’t find anywhere else –– free lock replacement, no-charge damaged glass repair, and free airbag repair.
2: State Farm
Among the Best Car Insurance Companies, State Farm is the largest automobile insurance company within the nation. Fortunately, it’s also one of the best, especially when it comes to the customer service experience. Receiving high praise from J.D. Power for its service interaction and claims handling, State Farm has the foremost positive remarks far and away.
Another advantage State Farm claims is how easy it’s to urge in touch with an agent. With 19,000 agents, you can easily call them to file a claim. But if you don’t have time for a phone call, the State Farm mobile app allows you to contact a representative or send a picture of the damage. A user-friendly app is something we often take for granted, but not all companies have this luxury. Amica, for example, doesn’t allow you to connect with an agent or file a claim via an app.
Beyond comprehensive, collision, and liability insurance, State Farm offers Uber or Lyft drivers rideshare driver coverage. Another useful coverage is State Farm’s emergency roadside coverage, you’ll have access to onsite repairs (up to one hour), towing, a locksmith or the free delivery of gas, a tire, or battery. Read our full State Farm review.
State Farm has the simplest online quote tool, though it lacks a couple of common driver discounts and important coverage options
Progressive is the fourth-largest auto insurer company in the US. It provides customers with an array of discounts and special coverages that have the potential to reduce your monthly bill. Unique to Progressive, the Snapshot tool bases your rate on your driving habits – like how often you drive, if you slap on the break or if you used your phone while driving. You will get an automatic discount for using the Snapshot app. Progressive also earned an “A+ Superior” stability rating from AM Best, which shows its solid financial footing to hide any claims.
In addition to the standard insurance coverages like liability, collision, and comprehensive, Progressive offers coverage options that other companies lack. Gap insurance from Progressive covers 125% of the value of the car if it’s totaled while you’re still making payments. An even less common type of coverage, free pet injury coverage that pays any veterinary bills if your pets are injured in an auto accident.
With solid customer experience and many discount options, Progressive has plenty to seem forward to. But there is still room for improvement. Its rate guarantee only lasts for the duration of a 6-month policy.
4: The Hartford
Even though The Hartford is only the nation’s 13th largest insurer, it still packs a punch. According to J.D. Power’s 2020 report, it has the highest rated among mid-sized insurance companies. Hartford offers a good range of policy options and benefits, including rates supported what proportion you really drive and a replacement car replacement program for cars totaled shortly after purchase.
What Hartford offers customers is what you expect from most automobile insurance companies, though it does add perks for AARP members. Perks include lifetime warranties for repairs done at approved shops and therefore the RecoverCare program that reimburses you for the value of home services while you get over a collision. Some of the reimbursable services include home cleaning, snow removal, dog walking, lawn mowing, and transportation.
The Hartford offers customers mechanical breakdown coverage and tons of useful policy benefits. While customers report a superb purchase experience, The Hartford doesn’t have many online education resources and only has a mean claims satisfaction rating.
Geico is that the second-largest automobile insurance provider within the US for a reason. It caters to the tech-savvy consumer. For those who don’t want to speak to an agent or listen to the never-ending elevator music while you’re on hold, Geico’s superior mobile app comes in handy. With the ability to personalize your alerts and access all of your important information, Geico Mobile makes things easy.
Geico’s range of coverage includes the quality fare — collision, comprehensive, and insurance. Unlike many other companies, rideshare insurance for Lyft and Uber drivers is also available. Geico does offer mechanical breakdown coverage, though it’s only for new cars less than 15 months old with less than 15,000 miles while it’s not applicable to all people, if you fall into this category, you’ll be able to renew mechanical breakdown coverage for up to seven years or 100,000 miles.
Geico has a lot of upsides. It draws customers in with a superior mobile app and a spread of discounts. Rideshare coverage is a major plus, but Geico lacks gap coverage.
State Farm has the simplest online quote tool, though it lacks a couple of common driver discounts and important coverage options.
Throughout our research, we found that USAA’s stellar reputation holds true. USAA is one of the three highest-rated automotive insurers in the country –– but it isn’t available to everyone. Only active service members, veterans, and their families are eligible for a car insurance policy through USAA. Given there are such strict restrictions, you should expect the quote process to take longer and be more involved than other competitors. Though that’s a small price to pay for its exemplary service and established reputation.
USAA provides a typical fare of auto coverage and roadside assistance. It may not be the most innovative when it comes to coverages. But it’s one of the highest-rated insurance companies out there. With a number of rock bottom average premiums, USAA may be a great option for automobile insurance if you fall under one among their eligibility categories. Read our full USAA review.
As a corporation, USAA offers a flawless purchase experience for its customers. But there are still some catches. Missing a couple of key vehicle coverages, the most downside to USAA is that the strict membership restrictions.
7: Erie Insurance
Erie Insurance serves customers who live in the South, Midwest, or Mid-Atlantic regions. Consistently receiving high marks from J.D. Power and Consumer Reports and with above-average customer service ratings including the power to personalize your coverage, Erie is worth considering.
Erie’s limited availability is the reason it didn’t make our top five recommendations. It only serves residents of Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and certain parts of the District of Columbia.
Erie is one of the simplest commercial auto insurers, offering policies that come standard with coverage for road service, lawyer fees, and loss of earnings.
8: Auto-Owners Insurance
Auto-Owners has the kinds of coverages you’d expect –– liability, comprehensive, and collision coverages. Though unlike many other options, it offers gap insurance to make up for the amount you owe on your vehicle loan or lease should the car be totaled. The Personal Automobile Plus package allows consumers to profit from 10 additional coverages, including telephone insurance and rekeying your locks. The company scored an almost perfect score in J.D. Power’s 2019 satisfaction report, falling short only within the realm of its rental car experience.
It operates in: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.