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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:
Top 10 Car Insurance Companies Average Car Insurance Rates
| Company | Availability | Average Annual Rates | Higher/Lower than National Average Annual Rates | Cheapest Insured Make and Model |
|---|---|---|---|---|
| Allstate | All 50 States and D.C. | $4,532.96 | 23.82% (Higher) | 2015 Toyota RAV-4 |
| American Family | 19 States | $3,698.77 | 1.03% (Higher) | 2015 Honda Civic |
| Farmers | All 50 States and D.C. | $3,907.99 | 6.75% (Higher) | 2015 Toyota RAV-4 |
| Geico | All 50 States and D.C. | $3,073.66 | -16.04% (Lower) | 2015 Toyota RAV-4 |
| Liberty Mutual | All 50 States and D.C. | $5,295.55 | 44.65% (Higher) | 2015 Toyota RAV-4 |
| Nationwide | 46 States and D.C. | $3,187.20 | -12.94% (Lower) | 2018 Toyota RAV-4 |
| Progressive | All 50 States and D.C. | $3,935.36 | 7.5% (Higher) | 2015 Toyota RAV-4 |
| State Farm | All 50 States and D.C. | $2,731.48 | -25.39% (Higher) | 2015 Honda Civic |
| Travelers | 42 States and D.C. | $3,729.32 | 1.87% (Higher) | 2015 Ford F-150 |
| USAA (Military & Family Members) | All 50 States and D.C. | $2,489.49 | -32% (Lower) | 2015 Honda Civic |
Best Rated Car Insurance Companies
Below you will find the financial ratings of the top 10 car insurance companies:
Highest Rated Car Insurance Companies
| Companies | A.M. Best Ratings | Direct Premiums Written (in Billions) | Market Shares (in Percent) | Loss Ratios (in Percent) |
|---|---|---|---|---|
| Allstate | A+ (Superior) | $22.7 (↑) | 9.19 (↓) | 56 (↓) |
| American Family | A (Excellent) | $4.7 (↑) | 1.9 (↑) | 69 (~) |
| Farmers | A (Excellent) | $10.5 (↑) | 4.26 (↓) | 61 (~) |
| Geico | A++ (Superior) | $33.1 (↑) | 13.41 (↑) | 71 (~) |
| Liberty Mutual | A (Excellent) | $11.8 (↑) | 4.77 (↓) | 62 (~) |
| Nationwide | A+ (Superior) | $6.7 (↓) | 2.73 (↓) | 58 (↓) |
| Progressive | A+ (Superior) | $27.1 (↑) | 10.97 (↑) | 62 (~) |
| State Farm | A++ (Superior) | $41.9 (↑) | 17.01 (↓) | 63 (↓) |
| Travelers | A++ (Superior) | $4.7 (↑) | 1.9 (↑) | 60 (~) |
| USAA (Military & Family Members) | A++ (Superior) | $14.5 (↑) | 5.87 (↑) | 77 (~) |
You can also see which car insurance companies were highly rated by companies via JD Power.
J.D. Power Auto Insurance Regional Ratings
| Auto Insurance Companies | Average J.D. Power Regional Ratings (out of 1,000) |
|---|---|
| Geico | 830 |
| Allstate | 826 |
| Progressive | 818 |
| Auto-Owners Insurance* | 841 |
| Esurance* | 836 |
| Liberty Mutual Insurance | 810 |
| Nationwide | 808 |
| Travelers Insurance* | 818 |
| Safeco* | 810 |
| USAA* | 891 |
Best Car Insurance Companies: J.D. Power Ratings and Complaint Ratios
| Company | Overall Satisfaction of Shopping Experience (JD Power Rating) | Overall Satisfaction of Claims Process (JD Power Rating) | Complaint Ratios (Lower or Higher than National Average of 1.15) |
|---|---|---|---|
| Allstate | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.64 (Lower) |
| American Family | 4 Power Circles (better than most) | 3 Power Circles (about average) | 0.70 (Lower) |
| Farmers | 3 Power Circles (about average) | 4 Power Circles (better than most) | 0.97 (Lower) |
| Geico | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.92 (Lower) |
| Liberty Mutual | 3 Power Circles (about average) | 2 Power Circles (the rest) | 6.32 (Higher) |
| Nationwide | 2 Power Circles (the rest) | 3 Power Circles (about average) | 0.36 (Lower) |
| Progressive | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.89 (Lower) |
| State Farm | 3 Power Circles (about average) | 3 Power Circles (about average) | 0.57 (Lower) |
| Travelers | 3 Power Circles (about average) | 3 Power Circles (about average) | 1.27 (Higher) |
| USAA (Military & Family Members) | 4 Power Circles (better than most) | 5 Power Circles (among the best) | 1.14 (Lower) |
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:
Best Car Insurance Companies Overall and by Discounts
| Insurance Company | Total Number of Discounts | Highest Percent Discount | Best for |
|---|---|---|---|
| Allstate | 29 | 45% | Usage-based and pay-as-you-drive policies |
| American Family | 27 | 40% | Best value in coverage level and 60+ |
| Farmers | 34 | 5% | Married and longer commute |
| Geico | 31 | 40% | Teen drivers and those with a speeding ticket or accident |
| Liberty Mutual | 38 | 35% | Vehicle recovery system discount |
| Nationwide | 35 | 40% | Teen drivers and best value in coverage level |
| Progressive | 36 | 31% | Poor credit and DUI |
| State Farm | 19 | 50% | Poor driving record and 60+ |
| Travelers | 28 | 30% | Middle-aged drivers and poor credit |
| USAA | 28 | 15% | Military (especially if single) |
Cheapest Car Insurance by Company and State
Where you live can play a major role in how you pay for car insurance:
Cheapest Car Insurance by Company and State
| State | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Illinois | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | N/A | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Iowa | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Kansas | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Michigan | $22,902.59 | N/A | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | N/A | $2,066.99 | N/A | $2,861.60 |
| Missouri | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | N/A | $2,525.78 |
| Nebraska | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | N/A | $2,330.78 |
| North Dakota | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | N/A | $2,006.80 |
| Ohio | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| South Dakota | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | N/A | N/A |
| Wisconsin | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | N/A | $2,975.74 |
| Connecticut | $5,831.60 | N/A | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 | N/A |
| Maine | $3,675.59 | $2,770.15 | $2,823.05 | $4,331.39 | N/A | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 | N/A |
| Massachusetts | $2,708.53 | N/A | $1,510.17 | $4,339.35 | N/A | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 | N/A |
| New Hampshire | $2,725.01 | N/A | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | N/A | $1,906.96 | N/A |
| New Jersey | $5,713.58 | $7,617.00 | $2,754.94 | $6,766.62 | N/A | $3,972.72 | $7,527.16 | $4,254.49 | N/A | N/A |
| New York | $4,740.97 | N/A | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 | N/A |
| Pennsylvania | $3,984.12 | N/A | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 | N/A |
| Rhode Island | $4,959.45 | N/A | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 | N/A |
| Vermont | $3,190.38 | N/A | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | N/A | $1,903.55 | N/A |
| Alabama | $3,311.52 | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 | N/A |
| Arkansas | $5,150.03 | $4,257.87 | $3,484.63 | N/A | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 | N/A |
| Delaware | $6,316.06 | N/A | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 | N/A |
| Florida | $7,440.46 | N/A | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | N/A | $2,850.41 | N/A |
| Georgia | $4,210.70 | N/A | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | N/A | $3,157.46 | N/A |
| Kentucky | $7,143.92 | N/A | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 | N/A |
| Louisiana | $5,998.79 | N/A | $6,154.60 | N/A | N/A | $7,471.10 | $4,579.12 | N/A | $4,353.12 | N/A |
| Maryland | $5,233.17 | N/A | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | N/A | $2,744.14 | N/A |
| Mississippi | $4,942.11 | N/A | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 | N/A |
| North Carolina | $7,190.43 | N/A | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | N/A | N/A |
| South Carolina | $3,903.43 | $4,691.85 | $3,178.01 | N/A | $3,625.49 | $4,573.08 | $3,071.34 | N/A | $3,424.77 | N/A |
| Tennessee | $4,828.85 | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 | N/A |
| Virginia | $3,386.80 | N/A | $2,061.53 | N/A | $2,073.00 | $2,498.58 | $2,268.95 | N/A | $1,858.38 | N/A |
| West Virginia | $3,820.68 | N/A | $2,120.80 | $2,924.39 | N/A | N/A | $2,126.32 | N/A | $1,984.62 | N/A |
| Arizona | $4,904.10 | N/A | $5,000.08 | $2,264.71 | N/A | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| New Mexico | $4,200.65 | N/A | $4,315.53 | $4,458.30 | N/A | $3,514.38 | $3,119.18 | $2,340.66 | N/A | $2,296.77 |
| Oklahoma | $3,718.62 | N/A | $4,142.40 | $3,437.34 | $6,874.62 | N/A | $4,832.35 | $2,816.80 | N/A | $3,174.15 |
| Texas | $5,485.44 | $4,848.72 | N/A | $3,263.28 | N/A | $3,867.55 | $4,664.69 | $2,879.94 | N/A | $2,487.89 |
| Alaska | $3,145.31 | $4,153.07 | N/A | $2,879.96 | $5,295.55 | N/A | $3,062.85 | $2,228.12 | N/A | $2,454.21 |
| California | $4,532.96 | N/A | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | N/A | $3,338.87 |
| Hawaii | $2,173.49 | N/A | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | N/A | $1,189.35 |
| Idaho | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | N/A | $1,867.96 | $3,226.29 | $1,877.61 |
| Montana | $4,672.10 | N/A | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | N/A | $2,031.89 |
| Nevada | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| Oregon | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Utah | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | N/A | $2,491.10 |
| Washington | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | N/A | $2,262.16 |
| Wyoming | $4,373.93 | N/A | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | N/A | $2,779.53 |
Read more:
- Farmers Insurance Company of Arizona Car Insurance Review
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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.
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