Best overall car insurance company: State Farm

State FarmGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” engage ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/statefarm-2 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : false, ” isUnavailable ” : false, ” connection ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.statefarm.com\/insurance\/auto & carrier=State % 20Farm ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” diagnose ” : ” State Farm ” }

Read State Farm review

The good

  • Rates are 41% cheaper than national average
  • Top customer service scores from our editors and JD Power

The bad

  • May require an agent to finalize policies
  • High rates for drivers with DUI or poor credit

When shopping for car indemnity, two of the most important factors to consider are price and customer service .
State Farm offers very low-cost rates and ranks as one of the best car insurance companies for general customer avail and for claim satisfaction .
If you have to make a car policy call, you can expect some extra costs and headaches, and you will want a company that guarantees a smooth claims procedure. The ship’s company received above-average scores from J.D. Power for overall customer atonement, shopping experience and claims satisfaction .
submit 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 atonement scores, respect and coverage options .

Insurer

Editor’s rating

J.D. Power claims rating

State Farm

862
Geico

833
Nationwide

814
Progressive

830
Allstate

825
USAA*

884

Find the Best Cheap Auto Insurance in Your Area

presently insured ? submit farm besides received the highest fiscal stability rating from AM Best — A++. That means that the company has a superior ability to pay out claims, even in difficult 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 indemnity companies in our sample. A wide coverage policy costs $ 1,310, 41 % less than the national average .
As with all insurers, rates can vary widely depending on the driver. Shoppers looking for potent customer serve should get a quote with State Farm and balance the pros and cons against other providers .

  • ValuePenguin editor’s rating: 4.5/5
  • AM Best financial strength rating: A++ (Superior)
  • J.D. Power overall customer satisfaction rating: 862

Alternate best car insurance company for customer service: Farm Bureau

Drivers should not always compare major national indemnity companies. local anesthetic insurers can frequently provide an equal or better customer service experience due to more individualized one-on-one attention .
The state insurance affiliates of the american Farm Bureau Federation are normally a big choice for shoppers seeking excellent customer service. grow Bureau Insurance affiliates often rank among the best companies for any given department of state based on our editor ‘s rat and J.D. Power customer satisfaction scores. { “ backgroundColor ” : ” grey ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Ch3 class=\ ” alternate-font weight-light\ ” \u003EAlternate best car policy company for customer service : grow Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EDrivers should not always compare major national insurance companies. local insurers can much provide an peer or better customer service have due to more personalize one-on-one attention.\u003C\/p\u003E\n\n\u003Cp\u003EThe country insurance affiliates of the american Farm Bureau Federation are normally a great choice for shoppers seeking excellent customer overhaul. grow Bureau Insurance affiliates much rank among the best companies for any given state based on our editor program ‘s rating and J.D. Power customer atonement scores. \n ”, ” padding ” : ” double ” }

Best car insurance company for affordable coverage: Erie

ErieGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” chief ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/erie-3 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : faithlessly, ” isUnavailable ” : false, ” connect ” : ” hypertext transfer protocol : \/\/www.erieinsurance.com\/OnlineQuote\/ ”, ” diagnose ” : ” Erie ” }
Read Erie review

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 insurance is important. With many insurers offering similar levels of customer service and types of coverage, rates should decidedly factor into your decision. If you ‘re shopping for the cheapest possible car policy, we found that Erie has the most low-cost rates on median .
Erie offers the best rates across multiple coverage levels, making it one of the best indemnity 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 only meets the policy minimums required by their state — get the most savings with Erie on median. Its policies, adjusted for the minimal requirements in each state, are 38 % cheaper than the national average .
Full coverage insurance is besides very low-cost from Erie. The company charges $ 1,379 per class, which is 43 % cheaper than the national average .
unfortunately, Erie Insurance is only available in 12 states and DC. Customers looking for bum indemnity outside these states should consider alternate recommendations .

  • ValuePenguin editor’s rating: 4.5/5
  • AM Best financial strength rating: A+ (Superior)
  • J.D. Power overall claims satisfaction rating: 880

Alternate best car insurance companies for affordable minimum coverage: Farm Bureau Insurance, American Family and State Farm

Given how restricted Erie Insurance is in handiness, individuals looking for bum car policy could besides consider Farm Bureau Insurance, American Family and State Farm. All three rank among the most low-cost for both minimum and full coverage policies .
farm Bureau Insurance is available wherever an affiliate of the american Farm Bureau Federation does business, while State Farm is offered in most states .

Company

Minimum coverage

Full coverage

Farm Bureau $472 $1,576
State Farm $532 $1,310
American Family $634 $1,755
National average $875 $2,208

{ “ backgroundColor ” : ” gray ”, ” contentedness ” : ” \u003C\/p\u003E\n\n\u003Ch3 class=\ ” alternate-font weight-light\ ” \u003EAlternate best car indemnity companies for low-cost minimal coverage : farm Bureau Insurance, American Family and State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EGiven how restrict Erie Insurance is in handiness, individuals looking for brassy car indemnity 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.\u003C\/p\u003E\n\n\u003Cp\u003EFarm Bureau Insurance is available wherever an affiliate of the american english Farm Bureau Federation does business, while State Farm is offered in most states.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ReactComponent — root\ ” \u003E\n \u003Cdiv class=\ ” js-react-component-rendered js-react-component-SortableTable\ ” data-component-name=\ ” SortableTable\ ” \u003E\n \u003Cdiv class=\ ” StyledRootWrapper-sc-3qeib4 jYHfZo\ ” \u003E\u003Cdiv class=\ ” StyledTableWrapper-sc-5nmmx9 fesmOM\ ” \u003E\u003Cdiv class=\ ” StyledTableOverflowWrapper-sc-hixhp9 gVbnK\ ” \u003E\u003Ctable class=\ ” StyledTable-sc-ujzn9t jVpJxq\ ” \u003E\u003Cthead class=\ ” StyledHeaderRow-sc-1m1b8dn hCELBb\ ” \u003E\u003Ctr\u003E\u003Cth colSpan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledHeaderCell-sc-nsptsd frWuiR\ ” \u003E\u003Cdiv class=\ ” StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\ ” \u003E\u003Cspan\u003ECompany\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledHeaderCell-sc-nsptsd frWuiR\ ” \u003E\u003Cdiv class=\ ” StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\ ” \u003E\u003Cspan\u003EMinimum coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledHeaderCell-sc-nsptsd frWuiR\ ” \u003E\u003Cdiv class=\ ” StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\ ” \u003E\u003Cspan\u003EFull coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\ ” StyledBody-sc-14y8oc0 dcdMVT\ ” \u003E\u003Ctr\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee XfhRD\ ” \u003EFarm Bureau\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 472\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 1,576\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee XfhRD\ ” \u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 532\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 1,310\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee XfhRD\ ” \u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 634\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 1,755\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee XfhRD\ ” \u003ENational average\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 875\u003C\/td\u003E\u003Ctd colSpan=\ ” 1\ ” rowspan=\ ” 1\ ” width=\ ” \ ” class=\ ” StyledBodyCell-sc-5cu9ee frAYUA\ ” \u003E $ 2,208\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\ ” application\/json\ ” class=\ ” js-react-component\ ” data-component-name=\ ” SortableTable\ ” \u003E { \ ” alignsHorizontal\ ” : [ \ ” left\ ”, \ ” right\ ”, \ ” right\ ” ], \ ” alignsVertical\ ” : [ ], \ ” columnWidths\ ” : [ ], \ ” data\ ” : [ [ \ ” Company\ ”, \ ” Minimum coverage\ ”, \ ” Full coverage\ ” ], [ \ ” farm Bureau\ ”, \ ” $ 472\ ”, \ ” $ 1,576\ ” ], [ \ ” State Farm\ ”, \ ” $ 532\ ”, \ ” $ 1,310\ ” ], [ \ ” american english Family\ ”, \ ” $ 634\ ”, \ ” $ 1,755\ ” ], [ \ ” National average\ ”, \ ” $ 875\ ”, \ ” $ 2,208\ ” ] ], \ ” footnote\ ” : \ ” \ ”, \ ” hideHeaderRow\ ” : false, \ ” hasMarginBottom\ ” : true, \ ” isExpandable\ ” : true, \ ” isSortable\ ” : false, \ ” maxWidth\ ” : \ ” 1215\ ”, \ ” minWidth\ ” : \ ” 100 % \ ”, \ ” showSearch\ ” : false, \ ” sortColumnIndex\ ” :0, \ ” sortDirection\ ” : \ ” asc\ ” } \u003C\/script\u003E\n\n\u003C\/div\u003E\n ”, ” padding ” : ” double ” }

Best car insurance company for good or young drivers: Root

RootGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” elementary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/root-1 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : delusive, ” isUnavailable ” : fake, ” connect ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.joinroot.com\/ & carrier=Root % 20Insurance ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” beginning ” }
Read Root review

The good

  • Cheap rates for high-risk drivers & teens
  • Big discounts for safe drivers

The bad

  • Available in 31 states
  • 85% more NAIC customer complaints than competitors

Drivers are normally rewarded for having an excellent drive commemorate, but individuals in bad demographics may find that their policy rates are still highly high. For example, drivers in their teens and early 20s wage more for car insurance than most other drivers, even if they ‘re exceptionally dependable on the road .
Root is relatively unique because its car policy rate calculations are about wholly based on measuring driving demeanor, not your demographics .
Drivers who perform well based on choice drive behaviors, such as braking habits and speed, can get big savings with Root compared to a traditional insurance company .
Since young drivers are statistically more likely 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: 3.5/5
  • AM Best financial strength rating: N/A
  • J.D. Power overall claims satisfaction rating: N/A

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 lawsuit, you should look for an insurance company that tends to have broken 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 country .
young drivers looking for low-cost rates should constantly get car policy quotes from multiple insurers .
{ “ backgroundColor ” : ” grey ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Ch3 class=\ ” alternate-font weight-light\ ” \u003EAlternate best car policy company for young drivers : State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIf you ‘re a young driver, then you may not want an insurance company tracking your driving habits. In that case, you should look for an insurance company that tends to have low rates for young drivers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodePullquote — root\ ” \u003E\n \u003Cp class=\ ” ShortcodePullquote — text ShortcodePullquote — blue\ ” \u003E\n \nThe cheapest wide available insurance company for unseasoned drivers is State Farm.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOn average, \u003Cstrong\u003EErie\u003C\/strong\u003E is the cheapest insurance company for drivers aged 18 to 25. however, Erie has limited handiness across the country.\u003C\/p\u003E\n\n\u003Cp\u003EYoung drivers looking for low-cost rates should always get \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root ShortcodeLink — black\ ” title=\ ” car indemnity quotes\ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/auto-insurance-quotes\ ” \u003Eauto insurance quotes\u003C\/a\u003E\u003C\/span\u003E from multiple insurers.\u003C\/p\u003E\n\n\u003Cp\u003E ”, ” padding ” : ” double ” }

Best car insurance company for drivers with an accident history: Farm Bureau

Farm BureauGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/farmbureau-3 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : false, ” isUnavailable ” : delusive, ” link ” : ” hypertext transfer protocol : \/\/www.scfbins.com\/ ”, ” appoint ” : ” farm Bureau ” }
Read Farm Bureau review

The good

  • Cheap rates for drivers with an accident
  • Top satisfaction scores from our editors and J.D Power

The bad

  • Average $50 annual fee per year to become a Farm Bureau member

If you have a holocene 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 recent history — 6 % less than average .
Using rates pulled from all over the nation, we found that Farm Bureau only increases prices by $ 534 per year for a wax coverage policy after an accident. Below we list the insurers with the smallest and largest rate changes .

  • ValuePenguin editor’s rating: 4.5/5
  • AM Best financial strength rating: A (Excellent)
  • J.D. Power overall customer satisfaction rating: 856

Best car insurance company for drivers with bad credit: Nationwide

NationwideGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/nationwide-4 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : fake, ” isUnavailable ” : fake, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.nationwide.com\/ & carrier=Nationwide ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Nationwide ” }
Read Nationwide review

The good

  • Cheap rates for drivers with poor credit
  • Good customer support ratings

The bad

  • Higher than average rates for most other customers
  • Auto & home bundles not available in every state

Unless the commit is banned in your state, your credit grudge can have a major impact on the price of your car insurance policy. Every insurance company calculates its own credit-based policy score and uses it to adjust its base rates. In many cases, drivers with poor credit pay up doubly arsenic much for cable car policy as individuals with an excellent credit score .
Among major insurers, Nationwide penalizes drivers the least for having a below-average accredit seduce when compared to rates for drivers with an excellent credit sexual conquest .
Nationwide merely increases rates by 52 % when a driver goes from having a very good credit score to a poor accredit mark .

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: 4/5
  • AM Best financial strength rating: A+ (Superior)
  • J.D. Power overall customer satisfaction rating: 814

Best car insurance company for military members and veterans: USAA

USAAGet a Quote

{ “ align ” : ” center ”, ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” className ” : ” ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” cssNamespace ” : ” AffiliateBanner ”, ” context ” : ” ”, ” disclaimers ” : [ “ ” ], ” isButtonSquare ” : false, ” isUnavailable ” : false, ” link ” : ” hypertext transfer protocol : \/\/www.usaa.com\/inet\/wc\/insurance-products ? akredirect=true ”, ” identify ” : ” USAA ” }
Read USAA review

The good

  • Cheapest insurer in most states
  • Highly rated customer service

The bad

  • Only military members and their families are eligible
  • Lengthy online quote process

class after year, USAA combines the best of both worlds : It ‘s one of the most low-cost car insurance companies and has one of the best customer servicing reputations in the industry .
If you ‘re an active-duty military penis or veteran who is eligible, USAA should be one of the first insurers you get quotes from, given its first gear rates and quality 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 atonement sexual conquest.

Beyond its service and rates, USAA besides offers discounts that cater to the lifestyles of service members. If your vehicle is garaged on a military base, you can get a deduction of 15 % on the monetary value of comprehensive examination insurance. The company besides has a vehicle memory discount that can save policyholders up to 60 % off their premium if their vehicle is stored in a secure location while not used, meaning deploy policyholders can get coverage at a deduction .

  • ValuePenguin editor’s rating: 4.5/5
  • AM Best financial strength rating: A++ (Superior)
  • J.D. Power overall customer satisfaction rating: 884

Top Rated Car Insurance Companies

The key to finding the best car policy is to comparison workshop and research multiple insurers. Besides our top rated indemnity picks, you have dozens of other companies to choose from that offer low-cost rates and big customer support .

Leave a Reply

Your email address will not be published. Required fields are marked *