Whether you’re shopping for your first car insurance policy or renewing an existing one, you’ll want to find the best company for your needs. To help you do this, we’ve rounded up the top rated car insurance companies based on affordability, customer satisfaction and financial strength.
Premiums vary widely from company to company, and are influenced by factors like age, driving habits and where you live.
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The best way to find the lowest rates is to compare quotes from several insurers.
1. State Farm
State Farm offers a wide range of products and services to help protect your life and the people you love. You can shop for coverage online or meet with a local agent to discuss your options.
State Farm’s auto insurance is a good pick for a variety of reasons, including its broad selection of coverages and low rates. It also has high customer satisfaction scores and fewer complaints to state regulators than average, according to three years of data from the National Association of Insurance Commissioners.
The company’s usage-based program, Drive Safe & Save, uses a smartphone app to track your driving habits and can reduce your premium by up to 30%. It also offers accident-free and good student discounts to encourage safer driving.
State Farm also offers a number of additional discounts, such as anti-theft and bundling/multi-policy. Customers report savings of nearly $50 per month when they switch to State Farm.
2. Progressive
Progressive offers a variety of products and services, including auto, home, life, health, pet, travel, umbrella and credit monitoring. In addition, Progressive sells identity theft protection and a credit monitoring service sponsored by Experian.
The company’s website features a helpful Name Your Price tool that lets you quickly find a car insurance policy that fits your budget. You can also take advantage of the Save With Snapshot mobile app, which tracks your driving habits to unlock discounts.
As with most insurance companies, your driving history can impact your rates. Those with speeding tickets, DUIs and at-fault accidents can pay more for coverage than drivers with clean records.
Progressive also offers accident forgiveness, which reduces your premiums if you’ve had no claims for several years. Its Deductible Savings Bank add-on also gives you a $50 reduction in your deductible for every year you’ve gone without an accident or speeding ticket.
3. Allstate
Allstate is one of the top car insurance companies in the US, and it offers a wide range of coverage options and features. Its Drivewise program uses a cell phone app to track your driving habits and reward you with discounts based on your behavior.
Allstate also has a comprehensive roadside assistance program that covers services like towing, locksmith service and battery jumps if your car needs repairs while you are on the road. Additionally, its rideshare program covers drivers who work as independent contractors for ridesharing services like Uber and Lyft.
Allstate is a national car insurance company that provides auto and home insurance in most states across the country. It also maintains a strong digital presence with a variety of online resources, customer portals and a mobile app to assist policyholders.
4. Nationwide
Nationwide offers a variety of auto insurance products for drivers, from comprehensive collision to uninsured motorist protection. They also offer a number of discounts and savings opportunities to help you reduce your car insurance costs.
If you have a clean driving record and good credit, Nationwide may be the best insurance option for you. The company’s premiums are competitive and vary based on your state and driving history.
Customers generally rate their Nationwide experience positively, according to The Zebra Customer Satisfaction Survey. The survey found that 57 percent of respondents were happy with their experience with the company, while only 19% said it was poor.
In addition to standard auto coverage, Nationwide also offers motorcycle, boat, recreational vehicle and motorhome insurance. They also have a number of add-on coverages, including accident forgiveness, roadside assistance and a vanishing deductible.