The 7 Best Car Insurance Companies (2022)
The best car insurance companies based on your driver profile
We rated our best overall insurers based on a combination of great customer serve and low-cost rates. however, shoppers value different qualities in an indemnity company .
many drivers will find great rates with these insurers ; in fact, your rates may be even cheaper than our averages. early drivers might actually find these insurers expensive. Given how the policy industry works, you wo n’t know which caller provides the best prize until you get quotes yourself .
To help you get started in the march, we ‘ve provided our insurance company recommendations for customers looking for a specific type of experience, ranging from those who highly value customer service to those who have bad drive histories .
Best car insurance company for customer service: State Farm
State Farm comes out on top for our consumer survey on policy company serve. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock in ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/statefarm-2 ”, ” description ” : ” State Farm comes out on top for our consumer survey on indemnity company avail. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” radio link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.statefarm.com\/insurance\/auto & carrier=State % 20Farm ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” identify ” : ” State Farm ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” style ” : ” State Farm ” }
The good :
- Strong customer service reputation
- Affordable rates
The bad :
- Expensive for drivers with poor credit
The most important factor to consider when patronize for indemnity is the customer serve experience. If you have to make a car indemnity claim, you can expect some extra costs and headaches, and you will want a ship’s company that guarantees a fluent claims march .
state farm ranks as one of the best car policy companies for general customer service and for claim atonement .
The company received above-average scores from J.D. Power for overall customer atonement, shopping feel and claims satisfaction. State Farm receives fewer customer complaints than its competitors according to the National Association of Insurance Commissioners ( NAIC ) complaint index. In addition, our editors awarded State Farm four and a half out of five stars — a rat that encompasses customer satisfaction scores, value and coverage options .
|
Insurer |
J.D. Power claims rating |
Editor’s rating |
|---|---|---|
| State Farm | 862 |
|
| Geico | 833 |
|
| Nationwide | 814 |
|
| Progressive | 830 |
|
| Allstate | 825 |
|
| USAA* | 884 |
|
country grow besides received the highest fiscal constancy military rank from AM Best — A++. That means that the company has a superior ability to pay out claims, even in unmanageable economic times .
With State Farm, drivers do n’t have to pay more for excellent customer service. It is one of the most low-cost large policy companies in our sample. A full coverage policy costs $ 1,310, 41 % less than the national average .
As with all insurers, rates can vary wide depending on the driver. Shoppers looking for strong customer military service should get a quote with State Farm and balance the pros and cons against other providers .
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: A++ (Superior)
- J.D. Power overall customer satisfaction rating: 862
- Read our full State Farm review
Alternate best car insurance company for customer service: Farm Bureau Insurance
Drivers should not constantly look for major national insurance providers. local insurers can frequently provide an peer or better customer service experience due to more personalize one-on-one attention .
The state insurance affiliates of the american Farm Bureau Federation are normally a great choice for shoppers seeking excellent customer service. farm Bureau Insurance affiliates much rank among the best companies for any given state based on our editor program ‘s evaluation and J.D. Power customer atonement scores. { “ backgroundColor ” : ” grey ”, ” message ” : ” \u003C\/p\u003E\n\n\u003Ch3 class=\ ” alternate-font weight-light\ ” \u003EAlternate best car insurance company for customer service : grow Bureau Insurance\u003C\/h3\u003E\n\n\u003Cp\u003EDrivers should not always look for major national indemnity providers. local insurers can often provide an adequate or better customer service experience due to more personalized one-on-one attention.\u003C\/p\u003E\n\n\u003Cp\u003EThe department of state policy affiliates of the american english Farm Bureau Federation are normally a great option for shoppers seeking excellent customer service. farm Bureau Insurance affiliates often rank among the best companies for any given state based on our editor ‘s rat and J.D. Power customer gratification scores. \n ”, ” padding ” : ” duplicate ” }
Best car insurance company for affordable coverage: Erie
The good :
- Cheap rates for minimum and full coverage policies
- Excellent customer service
The bad :
- Service is limited to 12 states and the District of Columbia
The price you pay for car policy is crucial. With many insurers offering like levels of customer avail and types of coverage, rates should decidedly factor into your decision. If you ‘re shopping for the cheapest possible car indemnity, we found that Erie has the most low-cost rates on average .
Erie offers the best rates across multiple coverage levels, making it one of the best policy companies for drivers looking to save money .
|
Type of policy |
Erie average annual premium |
National average annual premium |
|---|---|---|
| Minimum coverage | $503 | $875 |
| Full coverage | $1,379 | $2,208 |
Drivers looking for a minimal coverage policy — one that entirely meets the indemnity minimums required by their state — get the most savings with Erie on average. Its policies, adjusted for the minimum requirements in each state, are 38 % cheaper than the home average .
Full coverage policy is besides very low-cost from Erie. The company charges $ 1,379 per year, which is 43 % cheaper than the national average .
unfortunately, Erie Insurance is only available in 12 states and DC. Customers looking for cheap policy outside these states should consider alternate recommendations .
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: A+ (Superior)
- J.D. Power overall claims satisfaction rating: 880
- Read our full Erie Insurance review
Alternate best car insurance companies for affordable minimum coverage: Farm Bureau Insurance, American Family and State Farm
Given how restrict Erie Insurance is in handiness, individuals looking for cheap cable car insurance could besides consider Farm Bureau Insurance, American Family and State Farm. All three rank among the most low-cost for both minimal and entire coverage policies .
grow Bureau Insurance is available wherever an consort of the american Farm Bureau Federation does business, while State Farm is offered in most states .
|
Company |
Minimum coverage Read more: The Best Car Insurance Companies for 2022 |
Full coverage |
|---|---|---|
| Farm Bureau | $472 | $1,576 |
| State Farm | $532 | $1,310 |
| American Family | $634 | $1,755 |
| National average | $875 | $2,208 |
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Best car insurance company for good or young drivers: Root
The good :
- Big potential savings for those who do well on a test drive
The bad :
- Limited coverage options compared to other insurers
- Average customer service reputation
Drivers are normally rewarded for having an excellent drive record, but individuals in bad demographics may find that their insurance rates are still extremely high. For example, drivers in their teens and early 20s pay more for car policy than most other drivers, even if they ‘re exceptionally safe on the road .
Root is relatively unique because its car policy rate calculations are about entirely based on measuring driving demeanor, not your demographics .
Drivers who perform well based on choice drive behaviors, such as braking habits and travel rapidly, can get big savings with Root compared to a traditional insurance company .
Since young drivers are statistically more probably to get in an accident, the demographic as a whole faces high car insurance rates. Root lets you prove you ‘re a safer driver than your peers .
however, there are some risks and downsides associated with Root .
- Poor customer service: According to the National Association of Insurance Commissioners (NAIC), it receives more customer complaints than competitors.
- Limited coverage options: Its policies come with fewer optional add-ons, like gap insurance and rideshare insurance, than policies through other insurers.
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: N/A
- J.D. Power overall claims satisfaction rating: N/A
- Read our full Root review
Alternate best car insurance company for young drivers: State Farm
If you ‘re a young driver, then you may not want an insurance company tracking your driving habits. In that event, you should look for an insurance company that tends to have low rates for young drivers .
The cheapest widely available insurance company for young drivers is State Farm .
On average, Erie is the cheapest insurance company for drivers aged 18 to 25. however, Erie has limited handiness across the area .
young drivers looking for low-cost rates should always compare prices from multiple insurers .
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Best car insurance company for drivers with an accident history: Farm Bureau
The good :
- Minimal penalties for an accident history
- Exceptional customer service
The bad :
- Limited specialized coverage options
If you have a late accident in your driving history, insurers are going to charge you higher rates. however, they wo n’t all penalize you to the lapp degree .
farm Bureau raises rates by 34 % when drivers have an at-fault accident in their holocene history — 6 % less than median .
Using rates pulled from all over the nation, we found that Farm Bureau only increases prices by $ 534 per year for a full coverage policy after an accident. Below we list the insurers with the smallest and largest rate changes .
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: A (Excellent)
- J.D. Power overall customer satisfaction rating: 856
- Farm Bureau Insurance review
Best car insurance company for drivers with bad credit: Nationwide
The good :
- Very minor rate penalties for a poor credit score
The bad :
- Base rates are higher than average
Unless the commit is banned in your state of matter, your credit score can have a major impact on the price of your car indemnity policy. Every insurance company calculates its own credit-based indemnity sexual conquest and uses it to adjust its basis rates. In many cases, drivers with inadequate credit give twice angstrom a lot for cable car indemnity as individuals with an excellent credit score .
Among major insurers, Nationwide penalizes drivers the least for having a below-average credit sexual conquest when compared to rates for drivers with an excellent credit score .
Nationwide only increases rates by 52 % when a driver goes from having a very full credit score to a poor credit score .
|
Category |
Company |
Annual rate with poor credit |
Annual rate with very good credit |
Difference |
|---|---|---|---|---|
| Insurers that penalize poor credit the least | Nationwide | $2,698 | $1,772 | 52% |
| Farmers | $3,650 | $2,182 | 67% | |
| Allstate | $3,431 | $2,016 | 70% | |
| Insurers that penalize poor credit the most | State Farm | $2,859 | $874 | 227% |
| Erie | $2,846 | $1,051 | 171% | |
| Travelers | $3,208 | $1,511 | 112% |
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: A+ (Superior)
- J.D. Power overall customer satisfaction rating: 814
- Read our full Nationwide review
Best car insurance company for online service experience: Liberty Mutual
The good :
- Intuitive online shopping experience
- Easy to file a claim online or via its mobile app
The bad :
- Average to poor customer service in its offline service experience
- Higher-than-average rates
As more consumers shop for insurance on-line, the relief and functionality of on-line quotation tools are more significant than ever .
Liberty Mutual ranks as having the best web site experience among major insurers, according to J.D. Power ‘s Insurance Shopping Study .
Liberty Mutual ‘s quotation mark creature is extremely intuitive. In some cases, it ‘s able to pull your fomite information and current coverage limits from DMV records or your stream insurance company, which speeds up the serve. The on-line quote tool mechanically shows three recommend levels of coverage for you to compare, along with the ability to customize your coverage levels .
Liberty Mutual besides has a highly rated mobile app that gives drivers contiguous entree to ID cards and coverage information and lets you request wayside aid, charge claims and upload photos of damage to your vehicle .
The claims action is besides very easy with Liberty Mutual. Most claims can be filed within five to 10 minutes. The web site can besides help you determine whether you should file a title, with an “ Am I Covered ? ” tool and a exhaustive explanation of the process .
Beyond the on-line know, Liberty Mutual is a run-of-the-mill insurance company. Its rates are more expensive than the diligence average for most drivers. It besides received below-average marks for customer satisfaction with claims from J.D. Power, and it has more customer complaints than its competitors according to the NAIC complaint exponent .
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: A (Excellent)
- J.D. Power overall claims satisfaction rating: 827
- Read our full Liberty Mutual review
Best car insurance company for military members and veterans: USAA
The good :
- Cheap rates
- Strong customer service reputation
The bad :
- Only military members, veterans and their families are eligible
class after year, USAA combines the best of both worlds : It ‘s one of the most low-cost car indemnity companies and has one of the best customer service reputations in the industry .
If you ‘re an active-duty military member or seasoned who is eligible, USAA should be one of the first insurers you get quotes from, given its first gear rates and quality military service .
According to the National Association of Insurance Commissioners ( NAIC ), USAA receives fewer complaints from policyholders than its competitors. The party besides holds the highest J.D. Power claims gratification score .
Beyond its service and rates, USAA besides offers discounts that cater to the lifestyles of serve members. If your vehicle is garaged on a military base, you can get a discount of 15 % on the monetary value of comprehensive insurance. The company besides has a vehicle storage discount rate that can save policyholders up to 60 % off their premium if their fomite is stored in a guarantee placement while not used, meaning deploy policyholders can get coverage at a rebate .
-
ValuePenguin editor’s rating:
- AM Best financial strength rating: A++ (Superior)
- J.D. Power overall customer satisfaction rating: 884
- Read our full USAA review