Car Insurance Companies

When people think of car insurance companies they sometimes think of just the big brand names such as Nationwide®, Allstate®, Progressive®, State Farm®, Geico® (who doesn’t love the caveman and gecko) however do you know that 100’s of car insurance companies exist?

Minimum coverage requirements are mandated by state laws but many times these minimum requirements are less than enough to protect your family from the litigious nature of car accidents.

We can help you locate car insurance rates nationwide, learn about the different types of car insurance available and even help you compare car insurance quotes online with just a few clicks.

Find the Best Car Insurance Company

This question is hard to answer since all car insurance companies have different advantages and disadvantages.

Obviously, you want to choose a provider who is solvent and ready to pay any car accident claims should you find yourself needing to file a claim against your auto insurance policy, however, how about 24-hour customer service? Roadside assistance no matter where you are? Assistance in Spanish? Online claims handling?

A number of factors exist that should all be considered when choosing a car insurance company. Learn more about some of the questions to ask car insurance companies even read policyholder reviews online here.

Best Car Insurance Companies with the Lowest Rates

Some of the best rated car insurance companies can have the lowest rates. Below, you will find the top 10 car insurance companies in the USA:

Minimum vs. Full Coverage Auto Insurance Monthly Rates by Provider

Insurance CompanyMinimum CoverageFull Coverage
Allstate TablePress Logo$87$228
American Family TablePress Logo$62$166
Farmers TablePress Logo$76$198
Geico TablePress Logo$76$114
Liberty Mutual TablePress Logo$96$248
Nationwide TablePress Logo$63$164
Progressive TablePress Logo$56$150
State Farm TablePress Logo$47$123
Travelers TablePress Logo$53$141
USAA TablePress Logo$32$84

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Best Rated Car Insurance Companies

Below you will find the financial ratings of the top 10 car insurance companies:

Top U.S. Auto Insurance Companies: Ratings & Claims

Insurance CompanyA.M. BestPremiums WrittenMarket ShareLoss Ratio
Allstate TablePress LogoA+$22.7B9.19%56%
American Family TablePress LogoA$4.7B1.90%69%
Farmers TablePress LogoA$10.5B4.26%61%
Liberty Mutual TablePress LogoA$11.8B4.77%62%
Nationwide TablePress LogoA+$6.7B2.73%58%
Progressive TablePress LogoA+$27.1B10.97%62%
State Farm TablePress LogoA++$41.9B17.01%63%
Travelers TablePress LogoA++$4.7B1.90%60%
USAA TablePress LogoA++$14.5B5.87%77%

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You can also see which car insurance companies were highly rated by companies via JD Power.

J.D. Power Auto Insurance Study

Insurance CompanyJ.D. PowerPower Circle
CSAA Insurance Group839🟡🟡🟡🟡🟡
The Hartford838🟡🟡🟡🟡🟡
State Farm829🟡🟡🟡🟡
American Family819🟡🟡🟡
Southwest Region819🟡🟡🟡
Allstate815🟡🟡🟡
Progressive812🟡🟡🟡
Liberty Mutual811🟡🟡🟡
Travelers809🟡🟡
Nationwide805🟡🟡
Geico798🟡🟡
Farmers797🟡🟡
Safeco792🟡🟡
USAA887🟡🟡🟡🟡🟡

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Read more: Auto-Owners Specialty Insurance Company Car Insurance Review

Best Car Insurance Companies Overall and by Discounts

Below you can find which car insurance companies are best for what type of driver:

Car Insurance Discounts Availability by Provider

Discount NameAllstateAmerican FamilyFarmersGeicoState FarmTravelersUSAA
Adaptive Cruise Control✓✓✓✓✓✓✓
Adaptive Headlights✓✓✓✓✓✓✓
Anti-lock Brakes10%✓✓5%5%
Anti-Theft10%✓23%15%
Claim Free35%✓✓26%15%23%12%
Continuous Coverage✓✓✓15%✓
Daytime Running Lights2%✓3%✓
Defensive Driver10%10%✓✓5%10%3%
Distant Student35%✓✓✓7%
Driver's Ed10%✓✓✓15%8%3%
Driving Device/App20%40%✓✓50%30%5%
Early Signing10%✓✓✓✓10%12%
Electronic Stability Control2%✓✓✓✓✓✓
Emergency Deployment✓✓✓25%✓✓✓
Engaged Couple✓✓✓✓✓✓✓
Family Legacy✓✓✓✓✓✓10%
Family Plan✓✓✓✓✓✓✓
Farm Vehicle10%✓✓✓✓✓
Fast 5✓✓✓✓✓✓✓
Federal Employee✓✓12%✓✓✓
Forward Collision Warning✓✓✓✓✓✓✓
Full Payment10%✓✓✓8%✓
Further Education✓✓✓✓
Garaging/Storing✓✓✓✓90%
Good Credit✓✓✓✓
Good Student20%✓15%25%8%3%
Green Vehicle10%✓5%✓✓10%✓
Homeowner✓✓✓3%5%✓
Lane Departure Warning✓✓✓✓✓✓✓
Life Insurance✓✓✓✓✓✓✓
Low Mileage✓✓30%
Loyalty✓✓✓✓✓✓
Married✓✓✓✓✓
Membership/Group✓✓✓✓✓
Military✓✓15%✓
Military Garaging✓✓✓✓✓✓15%
Multiple Drivers✓✓✓✓✓✓✓
Multiple Policies10%29%✓10%17%13%
Multiple Vehicles✓✓25%20%8%
New Address✓✓✓✓✓✓✓
New Customer/New Plan✓✓✓✓✓✓✓
New Graduate✓✓✓✓✓✓✓
New Vehicle30%✓✓15%40%10%12%
Newly Licensed✓✓✓✓✓✓✓
Newlyweds✓✓✓✓✓✓✓
Non-Smoker/Non-Drinker✓✓✓✓✓✓✓
Occasional Operator✓✓✓✓✓✓
Occupation✓✓✓
On-Time Payments5%✓✓✓15%✓
Online Shopper✓✓✓✓✓✓✓
Paperless Documents10%✓✓✓✓✓
Paperless/Auto Billing5%✓✓$203%3%
Passive Restraint30%30%40%40%
Recent Retirees✓✓✓✓✓✓✓
Renter✓✓✓✓✓✓✓
Roadside Assistance✓✓✓✓✓✓✓
Safe Driver45%✓15%15%23%12%
Seat Belt Use✓✓✓15%✓✓✓
Senior Driver10%✓✓✓✓
Stable Residence✓✓✓✓✓✓✓
Students & Alumni✓✓✓✓✓✓
Switching Provider✓✓✓✓✓
Utility Vehicle15%✓✓✓✓✓
Vehicle Recovery10%✓✓15%5%
VIN Etching✓✓✓✓✓
Volunteer✓✓✓✓✓✓✓
Young Driver✓✓✓✓✓✓$75

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Cheapest Car Insurance by Company and State

Where you live can play a major role in how you pay for car insurance:

Minimum vs. Full Coverage Auto Insurance Monthly Rates by State

StateMinimum CoverageFull Coverage
Alabama$50$147
Alaska$50$139
Arizona$56$162
Arkansas$59$156
California$72$219
Colorado$51$169
Connecticut$87$169
Delaware$81$192
Florida$64$190
Georgia$72$179
Hawaii$37$100
Idaho$26$104
Illinois$30$106
Indiana$57$150
Iowa$49$143
Kansas$43$135
Kentucky$64$176
Louisiana$54$201
Maine$56$144
Maryland$126$237
Massachusetts$51$115
Michigan$163$339
Minnesota$90$220
Mississippi$55$156
Missouri$53$142
Montana$42$153
Nebraska$55$131
Nevada$49$177
New Hampshire$39$148
New Jersey$50$122
New Mexico$126$197
New York$56$142
North Carolina$61$144
North Dakota$90$174
Ohio$44$114
Oklahoma$52$160
Oregon$75$147
Pennsylvania$60$179
Rhode Island$61$143
South Carolina$79$191
South Dakota$20$127
Tennessee$37$130
Texas$77$207
Utah$66$147
Vermont$56$132
Virginia$43$133
Washington$45$104
Washington D.C.$96$183
West Virginia$47$133
Wisconsin$52$141
Wyoming$24$105

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Read more:

Dorchester Insurance Company Claims Process

Ease of Filing a Claim

When it comes to car insurance, the ease of filing a claim can be a critical factor for policyholders. Many insurance companies offer multiple channels for filing claims, making it convenient for their customers. Whether it’s through their website, a mobile app, or a traditional phone call, accessibility matters. Understanding how simple or complex the process can be can greatly influence a driver’s choice of insurance provider.

Average Claim Processing Time

Claim processing time is another essential aspect of an insurance company’s performance. Policyholders want timely resolutions when they file a claim after an accident or damage to their vehicle. The average claim processing time varies among insurance providers, and knowing this information can help individuals make an informed decision about which company to choose for their car insurance needs.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a significant role in evaluating an insurance company’s claim resolution and payout process. Real-life experiences shared by policyholders provide insights into how responsive and fair an insurer is when it comes to settling claims. Analyzing this feedback can help potential customers gauge the reliability and trustworthiness of a car insurance company when they need it the most.

Read more: Dorchester Mutual Insurance Company Car Insurance Review

Dorchester Insurance Company Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, mobile apps have become essential tools for managing car insurance policies. Car insurance companies often provide mobile apps that allow policyholders to access their accounts, view policy documents, make payments, and even file claims on the go. Understanding the features and functionality of these apps can be a deciding factor for tech-savvy customers.

Online Account Management Capabilities

Online account management capabilities enable policyholders to have greater control over their insurance policies. These features can include the ability to update personal information, add or remove vehicles, adjust coverage, and access important documents like insurance certificates and billing statements. An insurance company’s online account management system can greatly impact the overall customer experience.

Digital Tools and Resources

Car insurance companies often offer a range of digital tools and resources to assist policyholders in making informed decisions. These tools may include online calculators for estimating premiums, educational resources about insurance coverage, and safety tips for drivers. Evaluating the availability and usefulness of these digital resources can help individuals choose an insurance provider that aligns with their needs and preferences in the digital realm.

Where do you Start?

Well, you certainly are here so that is a good first step.

As a new driver, you really want to compare car insurance and understand the different forms of coverage car insurance companies provide and what they mean. Remember, its never a wise financial decision to buy an insurance policy without understanding exactly how you are insured.

You should also check out online reviews of car insurance companies to get feedback from other drivers, read up on the factors which influence car insurance premiums such as the different makes and models of cars and your area of residence.

Both new and existing drivers do have one thing in common – Always shop around and get multiple car insurance quotes before choosing a provider.