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Trying to find the best auto insurance can be frustrating. Each company claims to have the lowest price and superior customer service, but they can\u2019t all be the best. To help you get a clear understanding of the car insurance market, we scored more than 30 popular companies based on the following factors: Financial strength (AM Best rating), Availability, Customer service (including J.D. Power surveys), Costs and discounts, Coverage, and Technology.<\/p>\n
Let\u2019s take a closer look at the 12 providers that came out on top.<\/p>\n
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In this article:<\/strong><\/p>\n Best for Military Families<\/p>\n \u2605\u2605\u2605\u2605\u2605<\/p>\n Get Quote<\/p>\n \u00a0<\/p>\n Our best overall pick: Offers great customer service to military members and their families.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n At the end of the day, we found USAA to be the best car insurance company, although it\u2019s not available to everyone. If you already know you don\u2019t qualify, you might want to skip this section since it will only make you jealous of your neighbor\u2019s insurance policy.<\/p>\n USAA has an A++ rating from A.M. Best, which is the highest rating possible. It came in first place in J.D. Power\u2019s 2019 Auto Claims Satisfaction Study and second place in J.D. Power\u2019s 2019 Insurance Shopping Study. That\u2019s no easy feat, and it means USAA knocks customer service out of the park. Coverage options with USAA include:<\/p>\n As you\u2019d expect from the best car insurance company, USAA has a Consumer Reports reader score of 92, the highest of any car insurance company. It is also the only company to hold the best score in all of Consumer Reports\u2019 survey categories.<\/p>\n You might think that a company with high customer service ratings might also be expensive, but USAA is actually the most affordable option in many states. USAA tends to offer the cheapest rates overall, and that\u2019s what makes it one of the best auto insurance companies on the market. USAA is available to:<\/p>\n The last qualification above leaves room for many people to join USAA. One member of the military can pass on USAA eligibility to generation after generation. If you\u2019re eligible, we think nothing beats the customer service and great rates of USAA auto insurance.<\/p>\n \u00a0<\/p>\n Best Company Overall<\/p>\n \u2605\u2605\u2605\u2605\u2605<\/p>\n Get Quote<\/p>\n \u00a0<\/p>\n Our 2nd favorite and best for those ineligible for USAA: Offers competitive pricing and great coverage.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n For the majority of drivers, there\u2019s Geico. The company offers some of the most competitive prices on the market, and it\u2019s one of the best auto insurance options available nationwide. Here\u2019s a breakdown of Geico\u2019s coverage:<\/p>\n In our research, we found Geico to be a great company for students \u2013 drivers can get up to a 15 percent discount for being good students. Geico also offers other discounts for:<\/p>\n The company wrote over $33 billion in car insurance premiums in 2018 and has an A++ rating from AM Best. While Geico offers a somewhat standard experience according to J.D. Power\u2019s shopping survey, the company came in fourth place overall in J.D. Power\u2019s 2019 Auto Claims Satisfaction Study. That\u2019s good because having to file a claim is never fun. Geico also has an A+ rating from the Better Business Bureau (BBB) and a Consumer Reports reader score of 78.<\/p>\n Typical rates from Geico are between $1,000 and $1,600 per year, which is pretty good. These are average rates, so your specific quote might be different. Your rate can be affected by the state you live in and the car you drive, as well as your driving history and credit score. If you can\u2019t get USAA, you\u2019ll probably find the best auto insurance rates from Geico.<\/p>\n \u00a0<\/p>\n Great for Discount Bundles<\/p>\n \u2605\u2605\u2605\u2605\u2605<\/p>\n Get Quote<\/p>\n \u00a0<\/p>\n Our 3rd best overall pick: Offers a number of ways to get a discount, including the Snapshot tool or bundle options.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n In third place in our best car insurance comparison is Progressive. This company has been around since 1937 and has introduced many insurance firsts over the years. For example, Progressive was the first to allow people to purchase insurance plans online in the 1990s.<\/p>\n Here\u2019s what you can get with the company today:<\/p>\n Progressive has an A+ rating from AM Best and wrote over $27 billion in premiums in 2018. In addition to the standard coverage options, we also like that Progressive stands out from other auto insurance companies with a few different ways to get discounts:<\/p>\n Additionally, Progressive\u2019s Name Your Price\u00ae tool lets you start with your desired payment and view optimal insurance plans, which can save you time.<\/p>\n According to our research, Progressive performed very well across financial strength, availability, coverage, and technology. However, the company had standard customer service satisfaction and overall cost ratings. According to Progressive\u2019s website, customers generally pay between $1,500 and $2,000 per year for auto insurance, which is a bit higher than the 2019 national average of $1,470. In J.D. Power\u2019s 2019 Auto Claims Satisfaction Study, survey participants said Progressive\u2019s claims process was average, and the company has a reader score of 75 from Consumer Reports.<\/p>\n Overall, Progressive is a strong company and is among the best auto insurance options out there. The quote you receive is based on a number of factors, and you might find a price from Progressive that\u2019s below the national average. Also, Progressive tends to be a little more affordable than Geico for drivers who have a DUI\/DWI on record.<\/p>\n \u00a0<\/p>\n Most Popular Car Insurer in the U.S.<\/p>\n \u2605\u2605\u2605\u2605\u2605<\/p>\n Get Quote<\/p>\n \u00a0<\/p>\n Our 4th pick: Most popular auto insurance company that services over 83 million policies.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n State Farm is the largest auto insurer in the U.S. with a market share of 17 percent, and it currently services over 83 million policies. The company is ranked 36th on the Fortune 500 and has the claims service to back it up. It came in fifth place on J.D. Power\u2019s Auto Claims Satisfaction Study of top car insurance companies. However, the company was ranked average on J.D. Power\u2019s Insurance Shopping Study. With State Farm, you can get the following coverages:<\/p>\n State Farm has four car insurance apps that can make life easier and provide discounts:<\/p>\n In addition to the discounts through Steer Clear and Drive Safe & Save, State Farm gives discounts for the following:<\/p>\n The company has an A+ rating from the BBB, though its reviews on the BBB and Trustpilot are mixed. While State Farm could offer a better shopping experience, we think it\u2019s still one of the best auto insurance options around.<\/p>\n Most Trusted Brand<\/p>\n \u2605\u2605\u2605\u2605\u2605<\/p>\n Get Quote<\/p>\n \u00a0<\/p>\n Our 5th favorite provider: Offers a variety of discounts and is made up of regional auto groups.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\nBest Car Insurance Company Comparison (Top 12)<\/h2>\n
USAA: Best Auto Insurance Company For Military Families<\/h2>\n
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\n Coverage<\/strong><\/th>\n Details<\/strong><\/th>\n<\/tr>\n \n Bodily Injury Liability and Property Damage Liability (BI\/PD)<\/strong><\/td>\n BI\/PD insurance is required by most states. It covers the other party if you cause an accident.<\/td>\n<\/tr>\n \n Comprehensive<\/strong><\/td>\n Comprehensive insurance covers damage to your car not caused by an accident. Examples are damage from hail, floods, vandalism, and theft.<\/td>\n<\/tr>\n \n Collision<\/strong><\/td>\n Collision insurance covers damage to your car from an accident or rollover. This coverage also compensates you for the market value of your car if it is totaled.<\/td>\n<\/tr>\n \n Personal Injury Protection (PIP)<\/strong><\/td>\n PIP insurance covers medical payments and lost wages no matter who is at fault. It can be required in no-fault states like Florida.<\/td>\n<\/tr>\n \n Medical Payments\/Extended Benefits<\/strong><\/td>\n Similar to PIP, Medical Payments (MedPay) covers hospital bills, while Extended Benefits add coverage for lost wages and death benefits.<\/td>\n<\/tr>\n \n Uninsured\/Underinsured Motorist BI\/PD<\/strong><\/td>\n Uninsured\/underinsured bodily injury and property damage options cover you if a driver without insurance or with too little insurance injures you or damages your car.<\/td>\n<\/tr>\n \n Roadside Assistance<\/strong><\/td>\n Adds coverage for emergency towing, lockout services, gas delivery, and spare tire installation.<\/td>\n<\/tr>\n \n Rental Reimbursement<\/strong><\/td>\n This option pays toward a rental car after you file a covered insurance claim.<\/td>\n<\/tr>\n \n Accident Forgiveness<\/strong><\/td>\n In some states, USAA members can purchase an accident forgiveness option that protects their rates after one accident.<\/td>\n<\/tr>\n \n Other Insurance Products<\/strong><\/td>\n USAA offers numerous insurance products including motorcycle, rideshare, boat, renters, homeowners, collectibles, flood, vision, pet, and life insurance.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n \n
Geico: Best Auto Insurance Company Overall<\/h2>\n
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\n Coverage<\/strong><\/th>\n Details<\/strong><\/th>\n<\/tr>\n \n Standard Coverages<\/strong><\/td>\n Like most auto insurance companies, Geico offers standard coverages including BI\/PD, comprehensive, collision, PIP, MedPay, and uninsured\/underinsured BI\/PD.<\/td>\n<\/tr>\n \n Roadside Assistance<\/strong><\/td>\n Through Geico\u2019s Emergency Road Service, drivers can request roadside assistance right in an app. It includes coverage for towing, jump starts, flat tire changes, and lockout services.<\/td>\n<\/tr>\n \n Rental Reimbursement<\/strong><\/td>\n This option helps pay rental car costs when your car is being repaired after a claim. Enterprise Rent-A-Car bills Geico directly under this arrangement.<\/td>\n<\/tr>\n \n Mechanical Breakdown Insurance (MBI)<\/strong><\/td>\n MBI is similar to an extended warranty, except you pay for it with your auto insurance policy. This program covers repairs for all mechanical parts, though it doesn\u2019t cover maintenance or regular wear and tear. MBI is available for vehicles under 15 months or 15,000 miles, and it can be renewed annually up to 7 years or 100,000 miles.<\/td>\n<\/tr>\n \n Other Insurance Products<\/strong><\/td>\n Geico offers many kinds of insurance, including boat, rideshare, condo, mobile home, landlord, professional liability, overseas, and jewelry insurance.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n \n
Progressive Auto Insurance<\/h2>\n
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\n Coverage<\/strong><\/th>\n Details<\/strong><\/th>\n<\/tr>\n \n Standard Coverages<\/strong><\/td>\n Progressive offers the standard coverage options of BI\/PD, comprehensive, collision, PIP, MedPay, and uninsured\/underinsured BI\/PD.<\/td>\n<\/tr>\n \n Roadside Assistance<\/strong><\/td>\n This adds on coverage for towing, lockout services, fuel delivery, and spare tire installation.<\/td>\n<\/tr>\n \n Loan\/Lease Payoff<\/strong><\/td>\n With this option, Progressive will pay an additional 25 percent of your car\u2019s value toward its outstanding lease amount if collision compensation isn\u2019t enough after a total loss.<\/td>\n<\/tr>\n \n Rental Reimbursement<\/strong><\/td>\n This option grants $30 to $50 per day for a rental while your car is in the shop after a covered claim.<\/td>\n<\/tr>\n \n Custom Parts and Equipment Value<\/strong><\/td>\n This covers aftermarket parts on your car, like a sound system, and pays for repairs in the event of an accident.<\/td>\n<\/tr>\n \n Other Insurance Products<\/strong><\/td>\n Progressive offers numerous other options that include ATV, classic car, golf cart, homeowners, ID theft, travel, motorcycle, rideshare, and umbrella insurance.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n \n
State Farm Auto Insurance<\/h2>\n
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\n Coverage<\/strong><\/th>\n Details<\/strong><\/th>\n<\/tr>\n \n Standard Coverages<\/strong><\/td>\n State Farm coverage includes BI\/PD, comprehensive, collision, PIP, MedPay, and uninsured\/underinsured BI\/PD.<\/td>\n<\/tr>\n \n Roadside Assistance<\/strong><\/td>\n With this option, State Farm will cover up to one hour of labor at the breakdown site, fluid delivery, spare tire installation, jump start, towing, and lockout services.<\/td>\n<\/tr>\n \n Car Rental Expense<\/strong><\/td>\n This option pays for a rental car while your car is in the shop for a covered repair. You can choose the limits of this policy.<\/td>\n<\/tr>\n \n Travel Expenses<\/strong><\/td>\n State Farm will pay up to $500 for food, lodging, and travel if you get in an accident more than 50 miles from home. This option also includes a trip to retrieve your vehicle.<\/td>\n<\/tr>\n \n Rental Deductible<\/strong><\/td>\n State Farm will pay up to $500 toward your deductible if you get into an accident while driving a rental car.<\/td>\n<\/tr>\n \n Other Insurance Products<\/strong><\/td>\n Other coverages through State Farm include rideshare, boat, home, life, rental property, and health insurance.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n \n
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AAA Auto Insurance<\/h2>\n
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