Best Car Insurance Companies

Best Car Insurance Companies

The best car insurance companies are Geico, Progressive, and State Farm, based on average premiums, customer reviews. The best auto insurance companies provide affordable coverage, a variety of insurance types, and plenty discounts.

10 Best Car Insurance Companies

1. Geico

2. Progressive

3. State Farm

4. USAA

5. Esurance

6. Travelers

7. AAA

8. Mercury

9. Allstate

10. Farmers

 Table of Contents

1. Best Companies

2. Compare the Best Companies

3. How to Get the Best Car Insurance

4. Best Companies by State

5. Best Car Insurance Companies by Category

6. Video: Best Car Insurance Companies

7. Methodology

8. Ask The Experts

9. FAQ

10 Best Car Insurance Companies

 GEICO

Rating: 2 out of 5 | 8,653 Reviews

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-Average annual premium: $462 per year

- Better Business Bureau rating: A+

The best car insurance company is Geico because of its competitive premiums and its wide variety of coverage options and discounts, including good-driver and vehicle-safety discounts. Besides auto insurance, Geico also sells a variety of other types of insurance, including boat, condo, and renters’ coverage.

Progressive

Rating: 2.5 out of 5 | 4,048 Reviews

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- Average annual premium: $549 per year

- Better Business Bureau rating: A+

Progressive is one of the best car insurance companies, given its consistently low prices. Policyholders can easily file a claim with the company, too, since it offers the option of filing online or via the mobile app, plus a 24/7 claims support phone line. Ways to save on Progressive car insurance include multi-policy, multi-car, and Snapshot discounts.

State Farm

Rating:3 out of 5 | 3,773 Reviews

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- Average annual premium: $718 per year

- Better Business Bureau rating: A+

State Farm is the country’s largest car insurance company, which means many drivers have already concluded it’s the best insurance provider for their needs. State Farm’s size also makes it a good choice for drivers who value the benefits that large insurance companies can offer, such as long customer service hours online quotes, and greater financial stability.

State Farm offers several different types of insurance, meaning that customers can save via multi-policy discounts and avoid having to deal with multiple insurers. Plus, drivers with specific needs can purchase sports-car or classic-car insurance from State Farm, as well as rideshare insurance in some states.

USAA Insurance

Rating: 2.5 out of 5 | 3,393 Reviews

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- Average annual premium: $487 per year

- Better Business Bureau rating: N/A

USAA is an affordable car insurance company, though it’s only available to military service members, veterans, and their families. Besides standard auto insurance coverage types, USAA also offers rideshare and classic car insurance. Just bear in mind that USAA has lower customer service ratings than some of its competitors, given complaints about slow communication and unsatisfactory claims settlements.

Esurance

Rating: 3.5 out of 5 | 1,620 Reviews

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- Average annual premium: $645 per year

- Better Business Bureau rating: B

Esurance provides inexpensive insurance coverage for drivers who are comfortable buying a policy from a company without local agents. Auto policies from Esurance are available in 43 states, including California, Florida, and Texas. However, Esurance’s low prices are accompanied by some disadvantages. For instance, Esurance has about three times as many customer complaints as its average competitor.

Travelers Insurance

Rating: 2 out of 5 | 663 Reviews

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- Average annual premium: $639 per year

- Better Business Bureau rating: A

Travelers is a good car insurance company overall, given the variety of coverage options and discounts it offers. For instance, policyholders can save by insuring a hybrid vehicle, driving safely, and taking a driver’s education class. Besides car insurance, Travelers also offers homeowners, renters, and landlord insurance policies, among others.

Mercury Insurance

Rating: 2 out of 5 | 493 Reviews

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- Average annual premium: $604 per year

- Better Business Bureau rating: A-

Mercury’s premiums are competitive, but the company’s policies are only available in 11 states, including California, Florida, and Texas. Policy add-ons from Mercury include rental reimbursement, mechanical protection, and emergency road service. If you’re looking to bundle several policies, you can also purchase home, renters, or condo coverage from Mercury.

 AAA Insurance

Rating: 2 out of 5 | 931 Reviews

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- Average annual premium: $529 per year

- Better Business Bureau rating:A+

AAA offers low prices and a range of discounts, making it a good choice for budget-conscious drivers. However, customers must be AAA members to purchase auto insurance from the company. AAA membership fees vary by regional club but often range from $38 to $171 per year. Besides standard car insurance offerings, some regional clubs offer gap insurance, accident forgiveness, and rental reimbursement coverage.

Allstate

Rating: 3 out of 5 | 2,689 Reviews

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- Average annual premium: $781 per year

- Better Business Bureau rating: A+

Allstate’s rates are competitive, and Allstate drivers can save even more by signing up for their Drivewise program, getting a Milewise (pay-per-mile) policy, or earning discounts for safe driving. In addition, Allstate has received high ratings from consumer watchdog groups for its financial stability and ability to pay out claims.

Allstate also has a claim-satisfaction guarantee, as long as you go to an in-network repair shop. If you’re not happy with a claim experience, you can get a six-month credit on your car insurance premium for the car involved in the claim.

Farmers Insurance

Rating: 3 out of 5 | 1,666 Reviews

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 -Average annual premium:  $1,044 per year

-  Better Business Bureau rating: A

Although Farmers Insurance is one of the pricier options, it compensates with an extensive range of coverage options, highly-rated claims service, and numerous discounts. In addition to various types of insurance, Farmers offers supplemental coverages like new car replacement, custom equipment, and original equipment manufacturer coverage.